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

This is my fifth times writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX, XXXX, GA XXXX Please delete all other names and addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

Delete any and all other addresses and names below : Names : XXXX XXXX XXXX XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Debt collection

Unknown company, unknown debt. They claim I owe them through another company. I don't have a signed contract with this company, They have no authorization to run my credit. Never received any proof of a signed contract between me and this company
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I read dispute results from Transunion regarding my creditor, XXXX XXXXXXXX XXXX, statement balance for XX/XX/2023. A balance has been reported to my credit report at least 2 times inaccurately for the month of XXXX within a 30 day period. The balance on my balance sheet for XX/XX/XXXX is {$340.00}. On XX/XX/2023 the balance was reported correctly. On XX/XX/2023 XXXX Bank and/or TransUnion, XXXX, and XXXX reported XXXX balance of {$1000.00}. XXXX, TranUnion dispute results shows my statement balance for XX/XX/2023 as {$1500.00}. This practice is unlawful, discriminatory, and against the Fair Credit Reporting Act. This action has caused an adverse affect on my credit score and report. Credit bureau systems and/or employees should know to only report credit balances once a month, accurately, and within the statement month 's period ( usually 30 days ).
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to XXXX XXXX XXXX XXXX XXXX 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Public Records - Bankruptcy XX/XX/XXXX sent letter to XXXX XX/XX/XXXX requesting the Bankruptcy listed on my credit report be deleted as the item was dismissed filed in error. XXXX refused stating it was n't their policy to delete accurate information. 

I contacted Equifax with the same letter and the also stated it was not reported by them but sent to them by third party XXXX and they could not delete the item.
Product: Mortgage

I purchased a Condo in XXXX in XXXX the mortgage was for {$1400.00} monthly with an XXXX fee of {$380.00} I made all payments on time til XXXX when the market dropped and property values plummeted, I tried to do a loan modification with Bank of America which they declined, I asked them to take back the property or foreclose, I moved to XXXX waited XXXX no foreclosure I called to inquire about a short sale a deed in leu or a mortgage release. I was told to do any of them I would have to try another modification I tried and was denied again, I waited another year still no foreclosure, I then called and asked when would they be foreclosing on the property and was told XXXX months or so, due to other credit issues I filed for bankruptcy in XXXX included the property and was relieved of the mortgage debt, but since the property has not been foreclosed yet to this present dated the HOA fees are no longer {$380.00} they 've gone up over the years to {$510.00} and I am liable for every single fee since the bankruptcy settlement. The bank refuses to accept a short sale and continues to reset the clock on the foreclosure process, this has been ongoing since XXXX I am unable to get a mortgage, credit card, car loan, anything having to do with credit because I keep getting judgements against me for the HOA fees as of last month they are stating I owe {$17000.00} and they ad {$510.00} every month after. I have done everything the bank has asked of me for the past XXXX years sent all the paperwork that they have requested of me and still to this day there seems to be no end or resolution to this situation. I 've spoken with over XXXX people at Bank of America and anytime it seems I 'm getting somewhere with someone they change my account specialist on me and make me start all over, I have XXXX children to take care of and its difficult trying to move on with my life when someone could continue to get {$510.00} monthly for a property I do n't live in and that a bank refuses to foreclose on.
Product: Credit card or prepaid card

I opened a Credit card with Wells Fargo. 
I took an offer for a 0 % Transfer check for {$5500.00} Well within the stated credit limit of {$6000.00} I deposited check into my XXXX checking to pay other cards. XXXX accepted check on XX/XX/2022 then on XX/XX/2022 the check was bounced for lack of funds!!! 

I didn realize what had occured, and did not get notice from XXXX ... except on monthly statement,,, that i did not check ( electronic ) Wells Fargo, continued to charge my account as if it had paid me the {$5500.00}. I have been making payments. 
Now, when I tried to get my electronic statement from XXXX or XXXX XXXX they dont have it!! They only showed my statement starting in XX/XX/2022 with a balance of the XXXX plus the upfront interest When I call them, I get disconnected after I demand the XXXX, XXXX and XX/XX/2022 statements. I did not make any other purchases with card .... still " owe over XXXX
Product: Checking or savings account

On XX/XX/19 I called MoneyLion support to close my accounts and withdraw all of my money.

After waiting on hold for over an hour I opted for a call back. I never received a call back.

Also, on XX/XX/19 I submitted a ticket to MoneyLion support online. 

Three days later on XX/XX/19 XXXX from MoneyLion sent me an email stating that she has cancelled my membership, but can not liquidate the account.

I am still unable to liquidate the account and close it out. The app states that there is an error and to try again later.

I've been calling MoneyLion and sending them emails without any response.

Furthermore, the value of my investment account has dropped significantly since my request to withdraw funds. 

Today XX/XX/19 MoneyLion again withdrew additional funds from my other bank account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against LVNV Funding/Resurgent Capital Services due to their repeated and illegal actions concerning two open collections accounts on my credit report, one from XXXX and another from XXXX. Despite numerous attempts to resolve this issue, including providing an FTC identity theft report, these accounts remain in collections, and the company continues to report and update them incorrectly. 

Issues and Violations Misrepresentation and Deceptive Practices : LVNV Funding/Resurgent has frequently changed or updated the name associated with these accounts on my credit report, which violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( B ), which prohibits furnishing information relating to a consumer if the furnisher knows or has reasonable cause to believe the information is inaccurate.

Failure to Provide Verification and Rude Conduct : When contacting their customer service, including supervisors, I have faced rude, unprofessional behavior and blatant misrepresentation, including instances where employees have pretended to be supervisors. This violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 10 ), which prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt.

Failure to Cease Reporting on Disputed Debt : Despite being notified of the dispute and the fraudulent nature of these accounts, LVNV Funding/Resurgent has failed to cease collection activities and continues to report the debt, contravening the FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation of disputed information. 

Invasion of Privacy and Harassment : The company 's repeated requests for my personal information during calls, despite the known dispute and fraud status, have made me extremely uncomfortable. This could potentially violate FDCPA 15 U.S.C. 1692d, which prohibits conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, Please see attached - I was a victim of identity theft and theres fraud on my credit report that needs to be fixed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing these items on my credit report with the credit bureaus and the creditors beginning in XX/XX/XXXX and continued you to dispute them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not believe the items reported by US Bank, XXXX   XXXX and XXXX XXXX are reporting these items to my credit report in compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Product: Payday loan, title loan, or personal loan

I took a loan from avant it has a problem on the start i told them to take automatic payment on my savings and they took it out on my savings they told me to call the bank but its not fix so i just decided to fix it by just paying the fee so it will be no problem since nobody claims the mistake. After that i pay it myself i cancel the automatic payment. So i paid XX/XX/XXXX no problem and i paid XXXX in XXXX no problem and by the end of XXXX i made another payment for XXXX. After that i kept on getting email that my XXXX payment is due and i called Avant to fix it because i made a payment already and they told me just ignore it and a week i received another email that XXXX payment is due i called Avant again and they told me ignore it because i made they payment already and i told them make a note because i dont want to get charged by a late fee. Now it happens they charging me {$38.00} something for a fee that i dont know anything about it and even though them they cant figure it out. This is not fair and this look an overcharged on what they doing and its not fair. For 3 months no late fees and now they will charged me. I spoke to Supervisor name XXXX she dont even know anything about it. I hope that those people that have account with them to check their account before making a payment. {$38.00} is alot of money and they will get it for just like that. Please help me on this matter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and the attachments included in this complaint as well I recently checked my credit report and I noticed numerous inaccuracies and unauthorized inquiries and information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Fed Tax Lien is reporting that has been released
Product: Student loan

I have a spousal consolidation loan with my ex-husband. I do not receive statements. I do not receive correspondences. I do not receive phone calls. I can not create my own login or manage the account online. I have documentation going back several years to where I have attempted to resolve this problem with the customer advocate office to no avail. I am being held responsible for an account that I have no access to. I am completely dependent on my ex-husband for information on this account. There are other concerns as well. I have been forced on multiple occasions to take high-interest forbearances. I am also very concerned about how the fees and interest have accrued on the account. According to the limited information I have been able to obtain, the account has accrued over $ 317K of interest and fees.
Product: Checking or savings account

On XXXX XXXX, while grocery shopping at XXXX XXXX, my wallet was stolen out of my purse. My husband called banks and credit cards. We were in the US Bank branch shortly after to close checking account and report incident. At that time, {$24000.00} had been removed from our account. Looking at copies of the transaction this theft happened within XXXX minutes in the form of Cashiers check for {$5000.00} and one for {$4500.00} and a cash out of {$14000.00}. The cash out was with XXXX transactions approx. XXXX minutes apart at the same branch with the same teller. During this time, I received no calls or texts from the bank to authorize these transactions. This was done by just using my Driver 's license. The handwriting on these transactions were not even close to mine and I doubt that there is a person who looks like XXXX year old me! This makes me a victim of stolen identity and fraud.Weekly I went into the bank to check the status of our fraud claim. I did this for over 2 months and not one response from US Bank. Meanwhile XXXX XXXX XXXX XXXX ( XXXX ), resolved this issue and credited my account the money that was taken in the same incident. On XX/XX/XXXX, I received a letter from US Bank denying my fraud report claiming I was negligent. I consider I was a victim and that I question how a bank 's internal controls to let a person remove {$24000.00} without a red flag. What training do tellers get to prevent this happening to the bank 's customers who give them our hard earned money to protect. I feel that negligence on the part of the bank needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This vehicle was my XXXX XXXX vehicle and she was involved in a total loss accident. We were told by XXXX that the vehicle was paid in full by the XXXX XXXX  and that we would receive a refund for the early payment that we made. We purchased a new vehicle for her. After a few months, I saw negative marks on my credit report and I called XXXX. I was Told that we had to pay our deductible. We never received a notice or anything in the mail. I paid It right away over the phone. I was Told by XXXX that they would correct this error. I have been fighting this for years and its the only negative mark on my credit. Please help me. Thank you.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 accounts below do now belong to me and I have included the FTC report. Please remove these from my account asap. 

Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX XXXX Account number XXXX
Product: Vehicle loan or lease

On XX/XX/2019 I received a notice of transferred services letter from my previous lender XXXX XXXX stating that effective XX/XX/XXXX the servicing of my account would be transferred to Westlake portfolio management services. My loan reached its maturity date on XX/XX/2019, however I still have a balance owed of a little over $3000 of which the following payments have been made to Westlake in an attempt to satisfy and pay the account in full; $XXXX on XX/XX/19, $XXXX on XX/XX/19 and $XXXX   on XX/XX/19.  I received a past due letter dated XX/XX/XXXX requesting the full amount to be paid. Immediately I contacted Westlake and inquired about the account and expressed my concerned w/ the details of the letter specifically where the letter stated that my vehicle could be repossessed. I was informed by the customer service rep that Westlake granted my account an extension until XX/XX/19 to pay the remaining balance. About 4 weeks later I received another past due noticed. I contacted Westlake again and was told once more that I had an extension until XX/XX/XXXX and that as long as I continued to make payments my vehicle wouldn't be repossessed. Fast forward to today XX/XX/XXXX and my car was repossessed at XXXX. I spoke with Ivonne the repossession supervisor and now the story they are giving is that my account was noted for the extension but wasn't granted, information that has never been communicated to me during my previous conversations w/ their customer service reps, and that she would be sending my account for review and if approved for the extension I would get my vehicle back. While I appreciate XXXX   diligence to help I am very upset at the amount of miss-information from the lender and the situation I've been placed in is unfair. This company is a nightmare.
Product: Credit reporting or other personal consumer reports

My information was apart of the XXXX  databreach and i have requested for it to be removed and nothing hads been done about it.
Product: Credit reporting or other personal consumer reports

I am filing a compliant against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 5 U.S.C. 1681, which mandated a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX/DEPT OF ED XXXX XXXX : {$2400.00} ; XXXX/DEPT OF ED XXXX XXXX : {$4000.00} ; XXXX/DEPT OF ED XXXX XXXX : {$9000.00}