23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Complaint involves an unauthorized transaction on my PayPal Account on XXXX-XXXX-18 in the amount if {$1100.00} ( {$980.00} EURO ). I recd a text from PayPal on XXXX-XXXX-18 @ XXXX XXXX  alerting me they discovered a suspicious transaction ( after making the payment ) and asking me if I authorized it. Less than 1 minute later I responded to the text advising I did not authorize it. On XXXX I called PayPal and spoke with a rep. who confirmed my complaint and advised I would not be responsible for the charge since I did not authorize the transaction/payment. Then I receive an e-mail stating they are denying my complaint based upon their investigation.
Product: Debt collection

I started receiving emails from a representative from Resurgent, informing me that I owe {$1100.00} to LVNV Funding LLC and to contact them to pay the amount owed. I checked my credit reports to see what exactly this is for, and I see its 's a charge off for an account I never opened, and they have reported this collection on all bureaus and didn't provide their contact information on the collection account. I googled their information and started sending them letters requesting validation of debt bearing my signature and evidence that I owe them. 

I have sent the collection company LVNV Funding LLC XXXX letters requesting them to provide me with proof to validate the debt bearing my signature on : XX/XX/2021, XX/XX/2021 and XX/XX/2021. They have not responded to any of my request, but had their account XXXX : Resurgent Capital Services responded to my first and second request on XX/XX/2021 and XX/XX/2021 by sending me a bill and an Account summary report that they generated as proof. I responded to both LVNV and Resurgent on XX/XX/2021 letting them know that per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute validation, and to provide me with proof to validate the debt bearing my signature. 

They have not responded to my last request dated XX/XX/2021, they received the letter certified mail and signed for the letters on : XX/XX/2021 at XXXX. By not replying in a timely manner to my initial letter, they have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

My request is since LVNV Funding has now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item from all credit bureaus!
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear UNITED REVENUE, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the Texas Finance Code under Sections 392.301 and 392.305, as well as Texas Penal Code Section 32.51 , which pertains to identity fraud.

It has come to my attention that UNITED REVENUE has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities.

Furthermore, Texas law under Section 392.301 of the Texas Finance Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. Texas Penal Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for UNITED REVENUE to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers. 

I hereby demand that UNITED REVENUE immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the Texas Finance Code ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas Penal Code Section 32.51 for identity fraud.

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring UNITED REVENUE into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that UNITED REVENUE will swiftly correct these violations and respect my rights under the law.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the repeated and unsuccessful attempts to correct late open account on my credit report. Despite my persistent efforts and the passage of time, these inaccuracies remain unresolved and continue to negatively impact my creditworthiness. I first initiated disputes regarding these late open account. Since then, I have consistently reported these inaccuracies to your agency and provided the necessary documentation to support my claims, such as proof of timely payments and account closures. Despite multiple disputes and my repeated efforts, these late open account have not been corrected. 
The continued presence of this inaccuracy on my credit report has had detrimental effects on my credit score, financial stability, and overall well-being. I am unable to secure loans, obtain favorable interest rates, or access various financial opportunities due to these errors. I kindly request the following actions be taken promptly : A thorough and comprehensive review of my credit report to verify the accuracy of the late open account in question. Kindly help me correct the account immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled all three credit reports and I began disputing errors. I sent the first set of letters XX/XX/XXXX second XX/XX/ and third XX/XX/XXXX I also provided copies my drivers license and social security card as proof, that their reporting incorrect names, address, verification of accounts but not response to any of the letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PAID OFF 3 ACCOUNTS WITH PORTFOLIO AND THEY AGREED TO REMOVE THEM FROM ALL CREDIT AGENCIES XXXX XXXX XXXX  ETC ... I PAID THEM ALL OFF AND THEY DID NOT REMOVE THEM!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I paid off this account in full and Ford Motor Credit agreed to remove any negative marks on my credit report for this account. The amount they are claiming as a charge-off was actually the same amount that was paid to them. Therefore no money was charged off. My vehicle was totaled in an accident and the amount I paid was the deficiency amount left on the lease. Ford is insisting that this is correct. I disagree how can they continue to harm my credit for an amount of money they collected nearly 3 years ago.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that accounts refrain from sharing my personal information with XXXX-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting inaccurate late payments 5 at that have disputed these several times and come back accurate as someone bought off the credit and telling it's going to stay active. 
Auto loans or leases- XXXX loans date open unknown- {$1900.00} status fraudulent also hard 7 inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge me to fix my credit did northing but take my money and still have bad credit help!
Product: Checking or savings account

Noticed an unauthorized transaction on my debit card reported it to Huntington they reissued my debit card and disputed the charge. Then they reversed and reapplied the unauthorized charge to my account. I called them again to get clarification what the issue was and why this happened. Agent told me they denied it because it is consistent with my account activity I advised that I dont understand what that means then they asked me did I lose my card I said yes. Then the agent told me they will get it reopened for me. I still dont have a resolution. I will not be paying for a charge I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE TO CLAIM # XXXX ACIMA has been instructed to cease all reporting of my NON-PUBLIC INFORMATION to its NONAFFILIATED THIRD PARTY XXXX. ACIMA has responded with they have the right to do so because of an alleged proper agreement. In this agreement ACIMA FAILED TO GIVE ME EXPLAINATION AND GIVE ME THE OPPORTUNITY TO EXERICSE MY RIGHT TO DIRECT THE MANNER OF MY NONPUBLIC INFORMATION BEING REPORTED UNDER 156 USC 6802b ( B ) ( C ). 
ACIMA IS IN FACT A FINANCIAL INSTITUTION BY DEFINITION THERE FOR IS OBLIGATED TO MAINTAIN PROPER PROCEDURES TO PROTECT ME AND MY NONPUBLIC INFORMATION UNDER 15 USC 6801 WHICH THEY HAVE NOT. I AM EXERCISING MY RIGHT TO SIMPLY DIRECT THE MANNER IN WHICH MY NONPUBLIC INFORMATION IS BEING REPORTED IN THE FORM OF SAID ACTION BEING CEASED. ACIMA REFUSES TO DO BECAUSE THEY ALLEGEDLY HAVE THE RIGHT UNDER AN AGREEMENT TO WHICH FAILED TO PROVIDE PROPER DISCLOSURES THERE FOR BEING NONINFORCEABLE.
Product: Debt collection

Wakefield and Associates contacted me via mail regarding an alleged debt with no verification or proof of aforementioned debt.
Product: Credit card or prepaid card

Purchased items, then before leaving the store returned them. Credits not posted back into my account. Merchant denied any wrongdoing. Filed dispute, completed all required steps. Issuer did not investigate properly. After I sent in the 2nd request for information, 15 mins later claim was denied. Issuer refused to contact me as I requested many times. Issuer did not send me supporting documents. Issuer would not reply to emails. Issuers phone does not connect to representatives, only recordings and then hangs up.
Product: Vehicle loan or lease

Westlake Portfolio Management mentioned that they sent a welcome letter, which is not true. I never received a welcome letter. There was a link on American Financial Car Center website directing me to Westlake Portfolio, but when I clicked on the link, nothing happened. Also, there was a phone number, I called the number several times and no answer. I repeated this several times in XXXX of XXXX. I can provide the phone number used and the IP address that I will be delivering to my attorney. After, I reported the car stolen, I was told by the XXXX XXXX Sheriff Department that ALL repossessions should legally be contacted by XXXX. That never happened. I just saw marks where the car had been dragged away and after all of that : I DID NOT WANT TO GET THE CAR BACK FROM WESTLAKE PORTFOLIO MANAGEMENT DUE TO VEHICLE NOT WORKING PROPERLY FROM BEING DRAGGED WITHOUT THE KEYS. ALSO, NO ONE KNOCKED ON THE DOOR TO GET THE KEYS TO THE VEHICLE. THERE WAS NO THREAT OR ANYTHING.
Product: Credit reporting or other personal consumer reports

same issue i reported last year : XXXX and XXXX still both demand a mobile phone number, which they have no right to and will place on the report iteself, before providing the report which is required by law. experien demands hard copies of ID as if i don't exist, which have been sent over the decades several times as i am almost XXXX years old. none of the 3 major bureaus will provide my annual report. 

again, it is illegal for them to demand my mobile phone number before providing my report as required by law, and if they don't stop demanding mobile numbers before providing the reports, perhaps a class action lawsuit is in order.
Product: Credit reporting or other personal consumer reports

All accounts under my name from XXXXXXXX XXXX XXXX  was made through fruad and scamming and identify theft.. all accounts by my consent close immediately. I don't own any account with any bank known. 

You may contact me XXXX XXXX Images sent are banks that I don't not have in my name and that information is from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate stuff on credit report. Fraudulent activity, also reporting my credit score ithout my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, TX XXXX, DEPTEDXXXX  XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX  XXXX Balance Owed : {$0.00}, DEPTEDXXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXXXXXX XXXX Balance Owed : {$290.00} XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXXXXXX XXXX Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$800.00} XXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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: Prepaid card

This is crazy, I received a prepaid debit card as a refund and then I ca n't pull anything up online, ca n't activate it online, there 's a sticker to call to activate it, I 'm sure it 's probably lost it 's value as all these cards do ... These cards are basically yet XXXX more way to XXXX consumers. I am certain they are offered to companies at a discount because they are certain people wo n't use them, wo n't jump through these hoops, and mysteriously, they get to keep money that is not theirs and call it 'fees ' is the bottom line. 

To save a step, the card number is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FEDLOAN SERVICING from XX/XX/XXXX ACCOUNT # TO WHOM IT MAY CONCERN, This letter is a second formal complaint. I am in disagreement with the items listed above that still appear on my credit report, even after your investigation from XX/XX/XXXX. 
I would like these items immediately re-investigated and deleted. 

I would like this account deleted and removed from my credit report. Included are documents from department of correction, stating that I was incarcerated when this account was opened in XX/XX/XXXX. I did not receive funds or able to receive student loan benefits because I was in jail the date this account was open. 

Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections. I request the item be verified manually and provided PROOF of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. Also please provide the name, address, and telephone number of each credit grantor or other subscriber. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Lastly to help resolve the issue I will be filing complaints and forwarding this letter to the FTC, CFPB, and FEDLOAN SERVICING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate information The Credit Bureaus NEVER Did Proper Investigation according to the FCRA The term investigation consumer report means a consumer report or thereof in which information on on a consumers character, general reputation on, 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 on. 
They did not do this. 


Also they have violated more of my rights According with the fair Credit Reporting Everything must be 100 % ACCURATE!! 
The credit bureaus stated this account was properly inves : gated but how if the Open Date is inaccurate, Last Payment Date in inaccurate, date last reported is not accurate This is Grounds for REMOVAL!! 



They Also Violated the law because according to 15U.S.C 1681 Sec : on 602 A States I have a RIGHT to Privacy.

15 U.S.C 1681 Sec : on 604 A States a Consumer repor : ng agency can not furnish an account without my written instructions on.

I myself did not given anyone consent
Product: Credit reporting

Never could receive my credit report from Experian who has the wrong birth date. I can not even see it because it says I am a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX
Product: Debt collection

The company PORTFOLIO RECOVERY keep harassing me with over 1000 phone calls about an account that does not belong to me, I have begged and pleaded with them to stop.
Product: Credit reporting

I have a fraudulent account on my credit report From XXXX energy, that I have faxed police report to their fraud department Yet acct remains and hurting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX, has violated my rights. 
In accordance with the fair credit reporting act Wells Fargo Card Services has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions. 
15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
15 USC 1681a : report containing information solely as to transactions or experiences between the consumer and the person making the report.