23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

Account Name : XXXXXXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXXXXXXXXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX LL Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I received a call from my friend, XXXX XXXX XXXX, saying he accidentally sent me money on Venmo and asked me to withdraw the money and send it back to him on XXXX. He then sent follow up texts, which I have attached. He had sent me {$1000.00} on Venmo. I withdrew {$1000.00} from Venmo, and it showed up in my XXXX XXXX checking account. He asked me to withdraw it immediately, which has a penalty and that is why the amount withdrawn is {$1000.00}. I then sent {$1000.00} to XXXX XXXX XXXX on XXXX. I did this because I have known him for years and know him to be a trusted friend. On XX/XX/XXXX I received an email from Venmo saying that the sender ( XXXX XXXX XXXX ) had disputed the charge with his bank, saying he did not send me the Venmo on XX/XX/XXXX, a chargeback. The dispute amount was for a different amount than the initial transaction ( dispute amount was {$1000.00}, initial transaction was {$1000.00} ). I then contacted Venmo support to plead my case that XXXX XXXX had sent me the money on XX/XX/XXXX, per his text messages to me, and requested that I send it back through XXXX. I provided screenshots of our text messages. I provided screenshots of the {$1000.00} amount in my bank. And I provided screenshots of the XXXX transaction, where I sent him the {$1000.00} back. Venmo investigated the case. They did not side with me, even though I provided sufficient evidence that this individual had sent me the money and then requested it back. Venmo then made my account- {$1000.00} I spoke to several Venmo support staff who said they had in fact sided with me and my account would not be in the negative within a few months. At this point my account is still negative. I have tried to file a dispute again but they will not take it. I have attached all necessary attachments. Please let me know if I can provide additional attachments or information.
Product: Credit reporting or other personal consumer reports

I reached out to SERVICE FINANCE COMPANY LLC on XXXX XXXX and XXXX and XXXX XXXX by Certified mail ( XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) Asking them to return my {$40.00} dollars for late payment charges as you can clearly see i was never late according to my XXXX consumer report. Their responds was everything came back verified which is a big lie!!!! its been 2 months i havnt heard anything from SERVICE FINANCE COMPANY LLC... ( Acc # XXXX ) I WANT MY {$40.00} DOLLARS BACK!!!!! WHO KNOW HOW MANY CUSTOMERS THEY BEEN SCAMMING LIKE THIS FOR YEARS!!! 1 My XXXX  consumer report clearly shows i was never late and on time!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX is currently listed on my credit profile. I am not sure what this is but it looks like it may be some type of timeshare. It shows where this account was opened back in XXXX, however I have no knowledge of this account. I submitted an electronic dispute through my credit monitoring service by experian on XX/XX/XXXX. There has been no change to the negative inaccurate posted account. I would like to have this problem resolved in a timely manner.
Product: Checking or savings account

HSBC refuses to return {$10000.00} sent to them from XXXX XXXX 's XXXX XXXX XXXX Account on XXXX. They have received the information requested and are free to verify content.
Product: Student loan

I contacted Navient about a loan forgiveness because of the intuition I attended that they we're shut down of there practices and no one would help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed because. According to 15 USC 1681.I have the right to privacy, and I did not give Equifax written permission to furnish these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX
Product: Credit card or prepaid card

I had an XXXX XXXX  XXXX XXXX CARD issued thru BARCLAYS. IT EXPIRED IN XX/XX/2020. BARCLAYS NEVER ISSUED A REPLACEMENT CARD. CALLED BARCLAYS THE REPRESENTATIVE SAID BARCLAYS CLOSED MY ACCOUNT WITH NO EXPLANATION. I HAVE A  XXXX BALANCE ON MY CARD AND THE TELEPHONE REP GAVE NO EXPLANATION AND THE REP TOLD ME THAT BARCLAYS WAS GOING TO SEND ME A LETTER WHICH I HAVE NOT RECEIVED. I THOUGHT THAT DURING THE PANDEMIC THAT CREDIT CARD COMPANIES CAN NOT UNILATERALY TAKE SUCH ACTION.
Product: Credit card

Review the attached documents, and I request an investigation into these accounts where I have never been late but am being reported as such.
Product: Credit card or prepaid card

On XX/XX/2022 I disputed a charge on my Discover business card in the amount of {$210.00}. I uploaded relevant documentation at that time. On XX/XX/2022 I called as to the status of my dispute. On XX/XX/2022 I received notification that Discover found in favor of the merchant. I interpret XXXX as the credit card company has 90 days to resolve a dispute. This is beyond 90 days. I did my due diligence providing extensive documentation and calling before the 90-day deadline to check on the status of the dispute. I called Discover on XX/XX/XXXX and spoke with a supervisor who informed me that Discover has 120 days to resolve a dispute. That is not my read of XXXX XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally dispute an alleged collection account that is being reported on my credit report by CAVPS Cavalry Portfolio Services. This account references an amount of {$1100.00}, purportedly from the original creditor, XXXX XXXX, with the account number XXXX. Upon contacting XXXX XXXX directly, they were unable to locate any records associated with my file. I am unaware of any relationship with either XXXX XXXX or CAVPS Cavalry Portfolio Services, and I believe this account is fraudulent.

This reporting is a violation of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that you investigate this account and take immediate action.

To resolve this matter, I am requesting that CAVPS Cavalry Portfolio Services provide the following : Proof of their authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt. 
The legal basis for their collection efforts.

Proof of their authorization to operate in my state.

Evidence supporting the alleged debt, including any signed contracts or agreements.

A full and complete account history, including all related charges and transactions.

Their failure to provide this information violates FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I demand that this fraudulent account be immediately removed from my credit report, and this matter be resolved without further delay.

According to the provisions under the FCRA and FDCPA, I demand that this item be deleted from all three credit bureaus as soon as possible. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of this past debt as mine from the credit bureaus.

I appreciate your prompt attention to this matter and look forward to your assistance in correcting this issue.

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : Dispute of Inaccurate Information under Rule 611 of the Fair Credit Reporting Act Dear, Experian, I am writing to dispute the following information in my credit report. I have reviewed my credit report, and I believe that the following item XXXX  XXXX # XXXX inaccurate or incomplete. Under Rule 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that you investigate and correct this/these information. 

Disputed Item ( XXXX ) : XXXX  XXXX # XXXX Item : XXXX  Reason for Dispute : This account was reinserted back on my credit report within a few days of being deleted. Under RULE 611 Certification of accuracy of information. If any information is deleted from a consumers file pursuant of sub paragraph ( A ) The information may not be reinserted in the file by the consumer reporting agency.

Supporting Documentation : To assist with your investigation, I have enclosed copies of the following documents [ list the documents you are including ] : [ Document XXXX, State Drivers Liscense [ Document XXXX, Valid Social Security Card [ Document XXXX, FTC Report Please reinvestigate this/these matter ( s ) and delete or correct the disputed item ( s ) as soon as possible. Additionally, please provide me with a written response detailing the outcome of your investigation and a free copy of my updated credit report. 

If you find that the disputed information can not be verified, I request that it be removed from my credit report. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX- XXXX
Product: Debt collection

Hello, My name is XXXX XXXX. This debt collector- Jefferson Capital Systems bought my debt collection from XXXX XXXX back in XXXX. I was XXXX XXXX XXXX. Every so often when I check my credit report, I can see that XXXX keeps updating the open date to a more recent date. Ive tried multiple times directly disputing it, and it does not work. This account has been sitting on my collections credit report for XXXX YEARS. XXXX will officially be 10 years. I called and spoke to collections with XXXX XXXX on XXXX, XXXX and they said the account was too old to find any information about the account even after I gave them the phone number my address and my ss #. I just recently spoke to XXXX XXXX collections again in XX/XX/XXXX to see if I could get an actually copy of the date this account was open and they said it was too old and in their eyes acts like it doesnt exist I refuse to call XXXX because I know they will re-open the account and itll stay another 10 years. I just recently started getting countless calls from XXXX attempting to collect a debt. Randomly. Or is it? This account of mine has been opened 10 years ago and was also brought to collections, 9 years ago. This is unfair and seems illegal after speaking with lawyers. The attorney I spoke to told me to file a complaint thru here before we pursue legal action against them, so this is it.
Product: Debt collection

On XXXX I settled this debt with the attorney Portfolio recovery sent the debt too. Now my account is showing that I still owe over {$300.00}. 

I filed a dispute with XXXX, Portfolio claims the debt is valid. 

I filed a dispute with Portfolio over a week ago and haven't received a response.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I had problems with my payment the pandemic came I lost my job, now I am working I am paying it but it is making it difficult for me to pay it in full since I depend on my work for all my expenses and I would like you to help me remove my debt please
Product: Credit reporting or other personal consumer reports

EQUIFAX has failed to fulfill its illegal obligation under the Fir Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against EQUIFAX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 

These failures align with my experience, where EQUIFAX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts ( ACCOUNT IN QUESTION XXXX XXXX XXXX # XXXX ), as EQUIFAX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. It also states a consumer reporting agency can not furnish an account without my written instruction. 

15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed a number of accounts on my credit I do not recognize. I have been a victim of Identity Theft for years. I need these items removed and blocked from reporting again. They are a result of Fraud. 

The items are XXXX  XXXX from XX/XX/XXXX for {$610.00} XXXX XXXX XXXX from XX/XX/XXXX for {$590.00} XXXX XXXX XXXX from XX/XX/XXXX for {$330.00} XXXX XXXX XXXX from XX/XX/XXXX for {$230.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX from XX/XX/XXXX for {$280.00} XXXX XXXX from XX/XX/XXXX for {$520.00} XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$1400.00} XXXX  XXXX is also reporting as XXXX XXXX XXXX for {$610.00} so it is reporting twice as both an alleged original creditor and a collection agency. They are double reporting and hurting my score even more so because neither are mine. They are fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contacting Equifax since XX/XX/2021 about unauthorized inquiries on my report. I was told they are not able to remove these inquiries over the telephone without a FTC report or a police report. I then sent in my FTC report and as it's widely known ; an FTC report can not only have XXXX inquires listed at a time, BUT on the site where the FTC report is located, IT clearly states that you can add additional Inquiries in your personal statement if need be. I myself have done this and sent the letter in to all credit bureaus including Equifax and was told ONLY BY EQUIFAX that they can not accept my FTC report because its not filled out correctly when indeed it is. They are also well known to report false information on consumers behalf. I've also sent letters asking for proof that said inquiries belong to me & followed up with a 30 day notice to comply. And both times was denied any explanation. These inquiries have impacted me negatively in the past and present and I ask that they be removed expeditiously!
Product: Debt collection

Hi, theyre trying to accuse me of something that I did not do regarding a XXXX back account thats negative {$28000.00} that I reported I didnt do.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports from TransUnion, XXXX XXXX etc. and noticed my account with inaccuracies that I was never seen. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never had inaccuracies like this for XXXXXXXX XXXX XXXXXXXX account XXXX Please investigate and provide Proof with statements If proof can't be provided, I demand these payments be updated to on time as they should be as I was never Late. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experians response to complaint XXXX highlighted many violations in their procedures. The response from Experian states, We had previously placed the item under reinvestigation per your request, on XX/XX/2021. The data furnisher responded and verified that the disputed information was accurate as reported. According to the FCRA whenever an item on a consumer credit report is disputed an investigative consumer report is produced. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. These procedures were not followed and furthermore they came to conclude the investigation through illegal means. As stated by the Fair Credit Reporting Act, information shall not include specific factual information on a consumers credit record obtained DIRECTLY from a CREDITOR of the consumer. Experian clearly states they received their information strictly from the data furnisher and never properly investigated and verified and verified this account. The XXXX XXXX XXXX XXXX account must be deleted from my credit report immediately.
Product: Debt collection

I do not know who this company is I have never had an account with these people!! Identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts has been disputed a few times, and Never once has any of the following companies nor credit reporting agencies ( Transunion, XXXX ) sent me any  physical verification of these accounts as promised by the FCRA/ law. However, the reporting agencies in opposition of the FCRA will only update my report without physical verification, these are the accounts in dispute ... 1 ) XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )
Product: Debt collection

I was harassed and threatened by this lady XXXX, calling from a processing company after balance credit already told me they were working with XXXX XXXX XXXX, and I had my power of attorney to manage my account, and when I have tried to follow up with them about that they will not answer me
Product: Debt collection

Requested more information of the debts XX/XX/XXXX. 
Asked XX/XX/XXXX to not be contacted for debts before XXXX to which they continued to do so. Agency stopped calling XX/XX/XXXX however kept emailing and sending notices very frequently. 10-15 emails per day.
Product: Credit reporting or other personal consumer reports

Child support is not a credit transaction. Therefore it is illegally RE-AGED and furnished. XXXX memo
Product: Vehicle loan or lease

The Financial Organization violated my consumer rights by failing to disclose very important information that was needed to be told before the signing of the agreement. The organization also failed to disclose forms very important forms that was supposed to be given before the signing of the agreement. The organization purposely put dollars amount in other parts of the agreement to gain an advantage and to have me pay more.