23daVinci/CFPB_Complaints huggingface dataset:
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. XXXX is govern by 15 USC 1681. And the violated my rights numerous of times. I demand the accounts listed below to be remove because According to 15 USC 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.. XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. Account name XXXX XXXX Account XXXX XXXX, has violated my rights. Account name XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

I am writing regarding Cash App 's blocking of my card usage without valid reasons. Additionally, Cash App denied my dispute with a vendor who failed to provide the services for which I paid. Upon contacting customer service, I encountered individuals reading scripted responses, often concluding with a final statement. It appears they did not thoroughly investigate the matter. If an investigation was conducted, I request a detailed report outlining communication with the vendor and any received documents. 

Moreover, Cash App violated Texas law by failing to issue a provisional credit during their XXXX investigation period. Despite bringing the situation to their attention, they promptly denied my claim. Their actions are unethical and constitute a breach of consumer protection regulations
Product: Debt collection

On XX/XX/2020 I received letter from Transfinancial Companies , Inc. trying to collect {$120.00} they claimed I owed to XXXX XXXX XXXX. I had never received a bill from XXXX XXXX XXXX, so I called and talked to the bookkeeper at XXXX XXXX XXXX. She said I did not owe this bill. I then called the billing company of XXXX XXXX XXXX. The agent said I did not owe this bill. 

I then called Transfinancial at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX on1XX/XX/XXXX. After 10 minutes on hold a message said to leave a message as all agents were busy and could not answer, so I left a message No one returned my call.. The next day, XX/XX/XXXX, I called again with the exact same results. Again, the next day, XX/XX/XXXX, I called again with the same exact results. 

I do not believe I owe this bill. I wrote and asked Transfinancial to send me the Date-of-Service, verification of the debt or a copy of such judgment or verification, and the name and address of the original creditor. 

My calls to Transfinancial were attempts to get some information ... especially the Date-of Service. However it they will not answer the phone or return phone calls, they are likely to deny they ever received my letter requesting the information listed above.
Product: Credit reporting or other personal consumer reports

i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below and the items listed on FTC report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRY : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Oportun on several different occasions by phone, email, and mail requesting a validation of this account along with original contract and wet signature showing in fact that I opened and that this account belongs to me after receiving an email that this account had been sold to XXXX XXXX. Oportun has stated they do not own or no longer has this account but reporting on my credit report. and has not supplied the original contract or wet signature for this account and I have contacted XXXX XXXX and they have closed the file and not seeking collections on this account. So If Oportun is not the owner of this account why are they reporting it if XXXX XXXX is the owner of this account and they have stated they are not reporting it to the credit bureau and has closed the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to purchase a home and my credit report was pulled twice the first report was accurate at the time it was being pulled then the lender pulled my credit again and old information showed up on my credit report ie child support, credit acceptance, web bank, and professional adjustment which isn't mine I reached out to Equifax and asked them what was on my report they said child support, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I said to them that I'm looking at my file on my Equifax dot com and  the credit file I see as of XX/XX/2020 says different and besides the XXXX XXXX it's the accurate report. Equifax is not reporting any of my positive credit on their side but on the web site the positive credit is being reported but they are reporting all of the old stuff causing me problems with the purchase of my home this is not the first time I've had a situation with Equifax and I'm prepared to file a lawsuit in Federal Court. note : when I contacted them I was told to hold on while they research the issue and I was hung up on.
Product: Debt collection

Starting in XX/XX/XXXX, I began contacting Fair Collections & Outsourcing ( FCO ) to try and obtain more information about an entry on my credit report. 

XX/XX/XXXX, they sent an offer to satisfy the debt of {$1800.00} - no information provided on how to dispute. I spoke to them on the phone and they explained the amount was for some charges from an apartment I rented in XXXX. The management company was XXXX. I asked them for more information as to wha the charges were for and never received any additional information. 

XX/XX/XXXX - They finally provided an itemized list of charges from my previous place of rental. I did not agree with the charges but offered to pay {$250.00} of an {$1800.00} balance in which they accepted. I received a letter showing the balance as {$0.00}. 

Around XXXX XXXX, I noticed another entry on my credit report which prevented me from renting a home. 
I contacted FCO again to ask why the amount showed as {$1800.00} when I no longer had a balance. They sent me another letter showing that I owed {$1800.00} to XXXX XXXX ( new account # ) but are not providing any additional details other than a rather vague screen shot of an addendum from my XXXX lease from the same apartment complex under XXXX XXXX. 

I do have copies of the information but am not uploading the documents as they contain my address and other personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card contacted me by phone and by letter to let me know I was dead. I called the service number on my credit card and I was told one of the credit reporting agencies had given me a credit score of XXXX. Apparently when you are really dead, your credit score goes to XXXX. 

I initiated a credit freeze on my three credit reports and requested that all three send me a complete credit report. One of the three credit reporting agencies had the correct personal information. 

Experian has included information about my previous wife who has been deceased for 6 years as of XX/XX/XXXX. My first name is " XXXX '' and then middle initial is " XXXX '' Her first name was " XXXX '' and then middle initial " XXXX ''. When we married, she took my last name as her last name, so the two names are very similar. Under my personal information, they have listed four variations of XXXX or XXXX. They have also listed the last digits of her social security number as a " variation '' of my social security number. They have my birth date correct and have named XXXX as my spouse. That is no longer correct. XXXX is dead and I have been remarried to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted resolved the noncompliance issue with Discover Financial. I am aware when a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more.

Discover Financial is currently reporting on my consumer report that {$17000.00} has been discharge/profit loss. IRS requires if a creditor has discharged a debt owed, I am required to include the discharged amount in my income, even if it is less than {$600.00}, on the Other income line of my Form 1040 or 1040-SR. Discover Financial is reporting that this account discharged. Discover Financial did not issue 1099C during that tax year. Discover is not in compliance with this debt and committing consumer violations on its unethical recovery tactics with the credit bureaus and IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hired through XXXX to work at XXXX in XXXX, TN. When XXXX asked me to convert to a full-time XXXX employee XXXX I accepted and started the on-boarding process. Sterling Infosystems conducted my background check. The XXXX XXXX, TN courts reported to Sterling that I plead guilty for a wrongful arrest the Sheriff 's Office conducted on XXXX. My assigned public defender, XXXX XXXX, had me sign a retirement. I never plead guilty. When the background check came to XXXX 's attention, they refused to hire and instructed XXXX to terminate my employment. XXXX XXXX 's wrongful arrest was part of the ongoing extortion by the county at the request of the patent thief, XXXX XXXX XXXX who had stolen my invention years before. This XXXX employment manipulation by Sterling Infosystems, XXXX, XXXX, and the XXXX XXXX courts has resulted in 10+ years of unemployment with 8+ years of homelessness. And the extortion continues despite my constant reporting to federal authorities such as the XXXX XXXX field office and TN XXXX headquarters in XXXX. To continue the coverup, a XXXX XXXX, TN Sheriff 's Deputy has been murdered, XXXX XXXX. I sent XXXX an email containing incriminating information about an arsonist that was involved in the intellectual property theft that moved into her county. In less than a month, she was murdered and her house was set on fire twice. XXXX XXXX has been arrested for the murder. But like my wrongful arrest, I strongly suspect XXXX is being framed. This is what happens when the Republican Party takes over a growing small town. The small town corruption grows too. Former Sheriff XXXX XXXX was replaced by a smarter version of himself with the criminal activity continuing to this very day. The Sheriff 's Office is run by criminals. The XXXX XXXX XXXX is run by backwood southern lawyers. I became aware of the XXXXSterling Infosystems lawsuit today.
Product: Credit card or prepaid card

In XX/XX/2020 I received a bill from a credit card company. Avant. I have never applied for, had possession of or made an inquiry for this credit card. I called Avant several times. They wanted my personal e-mail, address, home phone etc. When all was said and done Avant would not close the account. I am still getting a bill every month. Again, I do not have physical possession of this card. So basically, this credit card is on my credit report and it should not be. 
The following is the only information I have about Avant : Avant XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV funding llc Creditor Information LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX fax XXXX reference # XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX Called law office several times last time reported someone would call still waiting for call. 

Called LVNV company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX About XXXX XXXX Credit card opened on XX/XX/XXXX closed XX/XX/XXXX for non payment. 
I originally opened XXXX XXXX account in XXXX and closed it in XX/XX/XXXX, bought my home in XX/XX/XXXX
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX  and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Debt collection

XX/XX/2018at XXXX XXXX XXXX XXXX from number XXXX XX/XX/2018 at 2018 at XXXX XXXX from number XXXX These calls come in and I tell them to stop calling, they keep talking with this is debt and they give the address and debt amount as always. I tell them do not call me but send whatever they choose and Im preparing for bankruptcy. I always repeat the same thing but they never listen and keep calling as they have called me several times before but don't have all dates. I sent the company a letter regarding the matter but no answer as too why they are calling me and that they wont be calling me any further. Action is needed as I do deserve my request honored, Ty. 

Thank you
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. 


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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Student loan

My consolidation loans with FedLoan servicing is incorrectly showing a past due balance. I have reached out to FedLoan three times and the issue has not been resolved. My payments have always been on-time, in full, and never late. 

My account is on the REPAYE program and was properly recertified. In XX/XX/2019, i returned to school ( XXXX and XXXX XXXX - LLM ) and took out an additional GRADPLUS loan. Without my knowledge my consolidation loan was put into deferrment. I filled out a form to undefer the student loan. I continued to make all payments during this period. The deferrment was taken off ; however, it now shows a past due balance even though all payments have been made. I believe the issue is how Fedloan servicing applied my payments. I did not " target '' any loans, again, I did not " target '' any loans. 

I demand that Fedloan servicing fixes their error, properly credits my payments, and returns my account to a good status.
Product: Checking or savings account

I have tried many times to open a savings account at XXXX XXXX XXXX  and they are keep saying unable to process your application at this time. I have reached out to them and they are saying they do not know the reason because account opening process is automated. I had a lock on my credit file because my information was stolen during XXXX XXXX breach . Vio Bank told me I should unlock my credit file and re apply. I did that and still not able to open an account. my credit score is XXXX. Vio told me that i can try 3 times a day to open an account. I did many tries and now on my XXXX i see all of those tries.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXXXXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 30days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

In the past a few years. I was charged on average XXXX-XXXX  dollars a mouth for Overdraft fee. I ran a XXXX XXXX, and need the daily sales come in to cover the daily cost. And often my balance run low where overdraft will happen overnight. 

The Order of Sequence for the Debit and Credit transactions : Chase ALWAYS DEBIT the ACH charges first before CREDIT the income on my account. Which I have will always been charged overdraft fee though I have positive balances in the morning. 

Paid {$34.00} fee for a overdraft transaction of a few dollar or less : if Chase paid a big transaction I currently don't have the money for, I may still consider it helpful. However, Chase always returned the bigger payments which I needed when balance was low. and choose to pay the small little transactions often cost me multiple overdrafts in one days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX is still reported as open on my credit report. This account was closed when my insurance company XXXX paid off the loan balance in full after the vehicle was ruled out as a total loss on XX/XX/22.
Product: Debt collection

XXXX XXXX XXXX XXXX was contacyed regarding this account over the past XXXX years indicating this is resulting from identity theft due to XXXX breach. Ive disputed this account more than XXXX times and nothing has come from it. When XXXX federal realized it was in fact fraud, they then sold the debt to a XXXX party named LVNV funding/resurgent. Now this nightmare has started again.
Product: Debt collection

For a year now Ive been receiving letters in the mail demanding the full debt amount, or else they will send the account to an attorney in my state.
Product: Debt collection

I have been harassed by Portfolio Recovery since 1998. Threats of legal action, pay deduction, and house manipulation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding multiple accounts that are inaccurately reported on my credit report, violating both the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ). Despite disputing these accounts, the companies involved have continued to report incorrect details without conducting proper investigations. The accounts in question are as follows : - **XXXX XXXX** : Account Number XXXX - **XXXX XXXX** : Account Number XXXX - **XXXX** : Account Number XXXX - **XXXX XXXX** : Account Number XXXX - **XXXX XXXX  ( Repo ) ** : Account Number XXXX Each of these companies has failed to ensure the accuracy of the information reported, as required under the FCRA. Additionally, they have used misleading practices in their collection efforts, in violation of the FDCPA. I request the immediate deletion of all these accounts from my credit report due to these violations.
Product: Student loan

I faxed standing payment instructions in XX/XX/2023, but then made a payment in XXXX that did not honor those instructions ( over {$1500.00} applied to interest instead of principle as requested ). I then sent a message through the secure system on XX/XX/XXXX with standing payment instructions again and asked that the prior payment be corrected. It has been opened according to the system, but I just made another payment ( XX/XX/XXXX ) and the instructions were still not honored. I saw on some websites that I should receive a letter confirming that my standing instructions were received but I have not. I need to make payments but do not want to pay extra overall because of their negligence.
Product: Checking or savings account

Banks are allowing my accounts to exceedingly overdraft in the thousands while already being negative. They are also charging charge back fees to my account for allowing the payments to go through and then returning them. Just non stop negative