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

On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX and deposited XXXX into my checking account. That same day I raised my spending limit to call and pay bills from the money in the checking account. I called XXXX XXXX on XX/XX/XXXX which XXXX XXXX decided to not process the day I told them to and attempted to Charge on XX/XX/XXXX days later then what I requested. the money was still available but at the time I didn't have a limit increase so that the large payment couldn't process. The branch manager wrote a letter and also attached the policy for spending limits. I tried reaching out to XXXX XXXX several times they won't help me with this matter. They did admit not charging my card and waiting XXXX days and also that were not willing to work with me on settling this matter
Product: Consumer Loan

My name is XXXX XXXX. I took out a loan from Springleaf in XXXX, IL with good intentions to pay it back, but with an extended stay in the hospital ( 1 month ) I am now in a financial hardship so I am now having a company help me with all my debts ( National Debt Relief ) I got a packet from this company who is helping me and inside this packet is a letter that I can give to all my creditors to stop calling. I signed this letter and mailed it to Springleaf in XXXX, IL on XXXX XXXX, 2015 certified so I know they have it as it was signed for. Since XXXX XXXX, 2015 till today XXXX XXXX, 2015 I have received 31 calls. I have an attorney through XXXX XXXX XXXX but I wanted you to know as well about this company and what its doing. I have ask numerous times to please stop calling me after I wrote the letter but they have verbally threaten me with law suits or cursing me or even insulting me verbally. I really want this to stop!! Thank you so very much
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letters I sent out here are the tracking number XXXX XXXX XXXX XXXX XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode lo living is obtained through personal interviews with neighbors, friends, or associates of the consumer of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is it possible if they did not do the proper investigation according to the law. Also, every piece of information on these accounts still are not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been contacted numerous times by a company I have never done business with. I have sent them certified letters asking to VALIDATE the debt they say they have on file for me. They have not sent VALIDATION to me as to why they are contacting me regarding a debt I do not owe to them. I have NEVER signed or agreed to any contracts with this company and I don't know why they have any rights to continue to say I do or to contact me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well Fargo agreed to report the deferment to credit beauers due to late payment because of me being a victim of disaster and due to covid -19 losing employment. However, I was able to pay all past due amount to the current but it shows the late payments that they agree to report as paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm = physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, elsewise delete the alleged inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Student loan

I had tried to lower my payment with EdFinancial but they raised my payment instead. I did not get a job in the field I studied like promised. I am struggling to make payments and purchase a home due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that the CFPB could help me with some accounts on my credit that are not mine. I have reached out to the creditors and the FTC. I am really trying to do some things for my family and I cant because of these items : 1. XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX. XXXX  : XXXX 2. XXXX ( Equifax : XXXX. XXXX : XXXX, XXXX : XXXX 3. XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX  : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have send 5 letters to equifax disputing the flowing wrong address that i never ever lives on inquires not done by me ask to remove alerts fraud they refused to remove anything, every month i receive a letter saying they are working and they send me a letter of my credit wrights, last months they send a letter saying mi ID were insufficient, when send every month with the letter of dispute a copy of my driver license and social security card to prove my identity am trying o buy a place and this company is intentionally hurting my credit..they are lazy and take pleasure on not doing their job and hurting consumers i am responsible with my credit, i demand action is taken
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXXXXXX XXXX  for {$640.00}. I do not have a contract with Spring Oaks Capital LLC, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a 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: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX  assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX  XXXX Account number : XXXX Balance : {$360.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$660.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Account number : XXXX Balance : {$700.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) Account number XXXX XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account number : XXXX Balance : {$350.00} XXXX XXXX  Account number : XXXX Balance : {$1800.00}
Product: Credit card or prepaid card

Due to recent financial hardship I went over 90 days past due. So i got in contact with XXXX to set up a payment plan to bring my account to current, the deal that was made was {$88.00} a month no interest if I agree to close the account and stay current on payments if I failed to do so the deal was off so I gave them my bank account and routing number to take the payment and was settled from there I believe this occurred XX/XX/XXXX. On XX/XX/XXXX I went to pay and it showed a balance of {$300.00} assuming this was a error I called XXXX, and was told the the agreement was voided due to non-payment, I replied with the bill is not due till XX/XX/XXXX and they said the original payment was never made, I verified they had the correct account which they did so I proceeded to contact the bank to find out what happened since there was plenty of money for XXXX to take. The bank told me that there was never a transaction attempted by XXXX in that time line. I then called XXXX again and explained to them what the bank had told me and they refused to help me at that point trying to tell me the fault was on my end not theres. In my point of view they purposely did not run the payment to try and void the agreement to continue to collect the interest which I had said to the manager that I was speaking with and she just continuely said they are no longer willing to help me and proceeded to report me negative to the credit bureau, at that point I sought legal advise and was told reporting to you was the best course of action
Product: Credit reporting or other personal consumer reports

Equifax is and has continually reported erroneous information on my consumer credit report. The account in question is XXXX XXXX. Equifax is reporting a balance of {$220.00} while this account is also reporting as charged off. This account also reports XXXX missed payments How can that be possible? This is a direct violation of section 15 USC 1666 ( b ) with regard to Late Payments If the account was charged off how, then how can there be a balance? How can it be late??? The account reports charged off XX/XX/year> however it also reports no data for XX/XX/year>. XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> all reporting LATE payments. Based on FCRA section 623 15 USC 1666 ( b ) ( a ) A creditor may NOT treat a payment on a credit card account under an open end consumer credit plan there a late FOR ANY PURPOSE.

FCRA section 623 15 USC 1681s-2- responsibilities of furnishers information.

Equifax has violated Multiple FCRA laws. An FTC complaint has been filed and arbitration to follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I submitted in a request to Lexis Nexis to provide specific details of the information that they share/report to the credit bureaus XXXX, XXXX, and XXXX  due to the fact iinaccurate information is being reported. On XX/XX/XXXX I received a letter from Lexis Nexis and they have failed to comply with my request and continue to report this information as well as maintain the information in their data for my profile.
Product: Money transfer, virtual currency, or money service

I can not get my bank account to connect with venmo. Ever since i changed my password on my XXXX   app I can not get my venmo to connect. I have been trying for 5 days now every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been found on my credit report. I have identified several issues with the information that has been reported and I am requesting your assistance in correcting these errors. 

Firstly, there are several unauthorized inquiries on my credit report. These inquiries from XXXX XXXX and XXXX XXXX were not authorized by me and I suspect they may be fraudulent. I am requesting that these inquiries be removed from my credit report immediately.

Additionally, there are several inquiries that I do not recall authorizing. These inquiries from XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX  are unfamiliar to me and I request that they be removed from my credit report. 

Furthermore, there are several accounts on my credit report that have questionable information associated with them. The account with XXXX XXXX XXXX with the account number XXXX and XXXX, as well as the account with XXXX XXXX XXXX with the account number XXXX, all have questionable names and numbers. I am requesting that either the information be clarified or the accounts be deleted from my credit report. 

In addition, the account with XXXX XXXX with the account number XXXX has a payment history despite being listed as a charge off. This is inaccurate information and I am requesting that this account be removed from my credit report. 

Lastly, the account with XXXX with the account number XXXX and the account with XXXX XXXXXXXX with the account number XXXX both have incorrect information associated with them. I do not recall ever being late with my payments and I request that this inaccurate information be removed from my credit report immediately. 

I appreciate your attention to this matter and I look forward to your prompt response. 

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

i was checking my credit report last month and i found a few fraudulent accounts that i don't recognize my information is out there with somebody and iam investigating who thats why asked the creditors for contracts and signitures but they never responded to me after that i contacted the bureaus to tell them about the accounts that they never got my permission for any thing i dont even knopw them and i told them that i contacted the creditors and they never responded and as of 15 U.S. Code 1692g validation of debts this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose XXXX  XXXX XXXX, XXXX XXXX  XXXX : XXXX, XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX and these inquiries XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit card

XX/XX/year> XXXX XXXX charge for the amount of {$6.00} from Texas. 

I called Wells Fargo explaining that I was NOT in the state of Texas on that date. 

Charges were removed. 

XX/XX/year> I received a letter stating, " transaction is consistent with the way you've used XXXX or more of your Wells Fargo account... the amount will be reapplied to your balance ''. 

I called XX/XX/year> explained again that I was NOT in the state of Texas and the charges are fraudulent. Further explained that I received a text asking me to follow a link to pay for toll charges. The link was NOT from XXXX. 

Representative explained that I could resubmit a case, but the amount was too small to be reconsidered and will NOT be credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Act,  15  U.S.C.  1681g  I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611   (  a ) (  5 )  ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd  parties you are damaging my reputation and credit worthiness.     Under the FCRA  15 U.S.C.   1681 i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.     Name of Account : Account Number Provide Physical Proof of Verification :  XXXX   XXXX  Unverified Account-No Contract   XXXX   Consumer  XXXX  Unverified Account  XXXX   XXXX   XXXX   No acct # reported Unverified Account-No Contract
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I was checking my credit report and found that there was a civil claim that does not belong to me. When I contacted Experian they said that I had to file a dispute which would take up to 30 days. I decided to back track and found that the debt belong to my dad ( we have the same name, he 's XXXX And I 'm XXXX XXXX. I called Experian and told them that I contacted the original company which is XXXX and when I gave XXXX my ssn # they was no account linked to me when I gave my fathers ssn # the debt was linked to him. Then I contacted the debt collector XXXX XXXX XXXX and gave them the same info my ssn # was not linked but my fathers was. When I contacted Experian they said I need to send them proof I told them that neither company would send me a letter stating this was not my account. I went to XXXX XXXX they said they could n't either as they have nothing to do with the credit. I contacted XXXX and XXXX and they also said there was no public record on their report. I have spoken with different people from Experian and I keep getting mis lead information. The first one said to dispute. Then another said the computer was down but if I had the ssn # to call back and they would be able to run it and if nothing shows up they could clear it, when I called back the other person said he did n't know why they said that cause they ca n't do that it has to be disputed. I do n't understand why Experian can not run my ssn # when I was able to trace it back to my father with my ssn # and have those companies tell me that they have no account with me. I do n't know why it 's difficult. Why ca n't Experian call the debt collector to get the right ssn # that it 's associated with as like I did. By having this on my report it 's messing everything up I have talked to the companies and I do n't know why Experian can not call them to see if the ssn # linked to this debt is not me. I do n't know how they can just go based off the name as I 'm sure there 's other people out there that have the same name like me and my father. It 's very frustrating just knowing it 's not me and they want proof and all I can provide them with is that I contacted the companies and they say it 's not me yet they can not do that.
Product: Credit card or prepaid card

My credit card balance was only {$800.00} when I fell behind and capital one is charging me almost 100 percent interested I also contacted capital one numerous of times for a copy of my contract to see how and why its so high of a balance in my credit and they have not sent me nothing on 6 months I been asking
Product: Vehicle loan or lease

This company repossessed my car XXXX of XXXX, and again I never received any correspondence about the repossession or sale of the vehicle, further I had this vehicle since XXXX of XXXXan they replied it XXXX of XXXX it was a XXXX loan an I had it for 55 months but the balance iI owed at the beginning of the loan was the same at the end of the loan, they say they sold it for XXXX with left me with a deficiency of XXXX dollars which can not be correct after all that time and also even though they repossessed my vehicle in XXXXthey continued to report it on my credit report until XX/XX/XXXX