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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Trans Union and XXXX XXXX bank via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated XX/XX/XXXX & XX/XX/XXXX. I have not gotten any responses from XXXX XXXX bank or Trans Union.
Product: Debt collection

i saw that i have a collection account from a DR . I've never used or seen. Have disputed previously too no avail. i contacted them today by phone and was told to pay this account and call it a day. They send me a debt validation letter, but none of these documents have my signature. So what are the terms i agreed to? if you cant produce a signed agreement please delete this at once!
Product: Debt collection

This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in proof multiple times proving I do not nor have not lived at the XXXX XXXX address associated with this account. This account has been removed then placed back only my credit multiple times and I would like to see it removed permanently with the ability to be added back removed as well. There is an address and derogatory closed account attached to this complaint that I would like resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lenders for this car loan has violated multiple consumer laws stated in the file I have attached please have this removed or I will have take legal actions. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry from XXXX XXXXXXXX XXXX in XXXX XXXX, SD on XX/XX/2022. I did not apply for credit with this bank. When I received the card I immediately called and informed them that this was fraudulent activity and I hadnt applied. They told me it would be taken care of. The hard inquiry is still showing on my TransUnion credit report as of XX/XX/2022. It appears that they only closed the the account and did not scrub the inquiry.
Product: Debt collection

Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Student loan

I had a private loan that I took out in XX/XX/XXXX the maturity date was XX/XX/XXXX. It is now XX/XX/XXXX and they are trying to collect. Under the statute of limitations in California they only had 4 years to collect and failed to do so. Additionally I filed a chpt XXXX bankruptcy in XX/XX/XXXX and that loan was discharged b/c my school lost fed funding and we were required to take private loans-this is a reason these loans can be discharged. All other private loan vendors accepted this but not navient and they are hounding me incessantly.
Product: Debt collection

I have recently been informed that there is negative information reported by XXXX XXXX XXXX ( original ) and LVNV Funding , LLC ( collecting agency ) in the file showing under my Social Security number at the XXXX Credit Bureaus.. Upon ordering a copy of my credit report, I see an entry from XXXX " my account was charged off '' and entry from LVNV Funding , LLC " I owe {$590.00} ''. 
These are XXXX different entries in my credit report about the same account. 

I am unaware of " owing {$590.00} or having a charge off '' with these companies. 

I tried to contact them with no result at all. 
XXXX XXXX XXXX sent me a letter, they no longer own this account, it was transferred to LVNV Funding ( Letter is attached ). 
LVNV Funding do n't have enough information about my case. 
( Letter attached ). No one send me any validation of this account.
Product: Debt collection

On XX/XX/2018 a collection account was placed on my credit reports ( XXXX and XXXX  ) for a XXXX XXXX c/o Resurgent Captial Services XXXX XXXX XXXX XXXX, SC XXXX for {$6500.00}. I have not received any written notification about this debt to verify it or any written notification of right to dispute this debt. I have sent letters to both credit bureaus and a certified letter to XXXX XXXX c/o Resurgent Capital Services requesting validation of debt. I have not received any response. I have tried contacting XXXX XXXX about this debt directly but they have gone into bankruptcy and are no longer in business. I have attached copies of the letters and information I have collected. I have attached copies of numbers and addresses for XXXX XXXX I have used to contract them via the Texas Secretary of State licensing website.
Product: Prepaid card

I won a {$500.00} gift card from the NYS Lottery 2nd chance drawing last year. When I went to use it this Spring I checked to make sure it didn't need to be activated and it showed a balance of {$3.00} ( I never used the card at all ). I contacted Vanilla ( The issuer ) and they said they have to do an investigation and it would take " up to 90 days '' I submitted everything they asked for and I waited. We just passed the 90 day mark and I never heard anything from them so I called them. After being left on hold for OVER an hour ( Sorry for yelling ) I hung up and called back. The woman first said they didn't have an answer and then she said the balance is {$480.00}. ** because of service charges which were apparently charged while the card was locked up usage wise by them for their " investigation ''. I explained that the card says there will be a charge on the XXXX month after activity of which there wasn't any activity at all. So they charged fees that weren't proper especially since they had the card not activated during the " investigation ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a disputed issue and it was removed from my credit report. 
Before the problem arise I had a perfect credit score. Once they reported the disputed issue to my credit, my credit score has been decreased by 30-40 points. 
Since the issue has been deleted from my report, I think it is fair to get back my original credit score. ( The score I had before the disputed issue ) I haven't got back my points which I used to have before the disputed issue.
Product: Debt collection

I received a letter from XXXX XXXX  and XXXX  in XX/XX/2019 that they had sold a debt to Crown Asset Management. On XX/XX/2019, I sent a certified letter to Crown Asset Management informing them that this was not my debt and to validate the debt. Crown Asset Management signed for the certified letter and the return receipt card was mailed back to me verifying that they had received the letter. The letter included my current address so that Crown Asset Management could send me debt validation through the mail. Although they have my correct address, I have not received debt validation from them yet. I am writing for your assistance because I have read that this debt collection company tries to sue individuals for debt that does not belong to them and they also sue individuals without ever sending them any correspondence about the debt, no assignment of the debt, and no debt validation after it has been requested.
Product: Money transfer, virtual currency, or money service

I am a service member and a XXXX XXXX XXXX. I have problems with my accounts having large transactions wired. I worked so hard to earn where I am in my financial status having fair share of the economy, personal hardships and XXXX. All of my financial reports has problems with Identity theft, account data breaches and security problems with online bank accounts etc. I have invested on my XXXX XXXX XXXX. which has been fortunately international company now. I have bank accounts all over, including off shore accounts. Bank of America closed my account, reported my information to XXXX XXXX   for fraud supposedly. I have done XXXX  wire transactions with the bank and I maintain the account on good standing. 
Military, civilian, taking care of my family, work, I have been blessed to come to this life. I have been fraudulently, treated unfair and have been discriminated by Bank of America and XXXX XXXX. One transaction for example would be a {$900000.00} wire transfer didn't clear with Bank of America. It was a XXXX  income, transactions from my XXXX   international and domestic. Basically they closed my account and was discriminated being a young XXXX, I have XXXX XXXX   XXXX. I have all of my life together but sudden unfortunate events took place at once. All my informations regarding my financial status has been compromised by being affected thru cyber awareness identity theft, my documents lost and my life took another turn with having to be diagnose with XXXX XXXX. I want my money bank from Bank Of America and XXXX. All my informations were taken from me regarding my financial history. It has been years since I took a risk on this XXXX  Accounts and lost large amount. I didn't get any more explanations from Bank of America for I know the money is kept by them. Please help me get my life back all together you can save my humanity from finance first and then whatever comes after. God bless.
Product: Credit reporting or other personal consumer reports

To whole it may concern In accordance with the ( FCRA ) Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality again under 15 USC 1681. 

[ XXXX XXXX XXXX ] [ XXXX ] & [ {$7800.00} ] According to the FCRA the following rights have been violated. 

15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

15 U.S.C. 1681 Section 602 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality and respect for the consumer 's right to privacy. 


All items need to be permanently blocked & removed from my consumer report
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX XXXX reported a debt of {$660.00} to the credit bureaus. This debt originated from XXXX XXXX. I never received ANY form of communication from XXXX XXXX about attempting to collect this debt. I called them today XX/XX/XXXX to resolve the matter. I waited this long hoping would receive some form of communication. When I contacted them, they tyold me my case was being handled by another agency. So they NEVER contacted me, reported it to the credit bureau and sent it to someone else. I contacted that company : XXXX XXXX XXXX. They were very helpful in letting me know I could pay in full or pay half to settle. I wanted it removed from my credit report since I was NOT contacted AT ALL. They informed that only XXXX XXXX could remove it. I called XXXX back and they said NO. They told me they do not have to contact me at all and they can report it at any time. This gave me no opportunity to resolve the matter before it going on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have sent letter to the creditors not removed info leak from XXXX, so I did requested credit from the XXXX attached creditors. Please remove
Product: Debt collection

I have tried 3 attempts to contact this company ( Enhanced Recovery Company ). Ive tried contacting their company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which is why I have CC CFPB to enforce that I receive what I am requesting as a consumer. I have contacted this company regarding a debt that their office is reporting to my credit report, Ive asked for Debt Validation and still have not received a response. To my knowledge this is violating both the FDCPA and the FCRA. If this company can not send me validation upon my request, and even having to ask for this information 3 times makes me assume as a consumer that this company can not validate this alleged debt. If this is indeed the case, this debt should not be reporting to my credit report. I am asking that they cease all activity of trying to collect this debt and remove it from my credit report. I have gave this company ample time to respond to me. I have asked for validation XX/XX/XXXX and followed up XX/XX/XXXX and no responses neither time and now have sent a letter XX/XX/XXXX.
Product: Debt collection

XXXX I provided proof that it wasnt my bill and I never lived there and they never removed it as promised
Product: Credit reporting or other personal consumer reports

I find it unacceptable that there are public records on my credit report. This is causing me a lot oXXXX XXXX XXXX XXXX, and I am pleading with you to remove them immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Consumer Financial Protection Bureau XXXX XX/XX/4503 Dear CFPB, Re : Complaint against TransUnion - Failure to Respond and Request for Deletion of Negative Items I am writing to file a complaint against TransUnion for failing to respond to my dispute letter and request that they delete all negative items on my credit report due to lack of proof. 

On XX/XX/2024 I submitted a dispute letter to TransUnion regarding inaccurate information on my credit report. They acknowledged my dispute on XX/XX/2024 and promised a response via mail within 7 business days. However, they have not responded. Since you can not provide evidence to support the reported information, I believe it is inaccurate and unverifiable. Under the Fair Credit Reporting Act ( FCRA ), you are required to removed/delete these items I am requesting that the CFPB assist me in : 1. Obtaining a response from TransUnion regarding my dispute 2. Deleting all negative items on my credit report due to TransUnion 's inability to provide proof 3. Ensuring TransUnion complies with the Fair Credit Reporting Act ( FCRA ) Please investigate this matter and take appropriate action against TransUnion for their failure to respond and comply with the FCRA. 

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

There is Information on my consumer report that is a result of identity theft. I did not agree for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My private student loan has been completely paid off through XXXX XXXX. EDFinancial has picked up the loan and is claiming that I owe them the entire amount, which never existed through them or federally. I have filed a complaint with them which should have receieved a response by XX/XX/XXXX but has been ignored. I do not owe them any money as I do not have any federal loans.
Product: Student loan

I had a meeting with XXXX rep and with the XXXX to go over my records from High school which had XXXX plan and recommendations. 
Discussion any accommodation would be honored and that teachers can assist me if needed help. 
I was pleased/ excited knowing XXXX XXXX would be there to help me accelerate in academically. 
Classes that attended Composition Writing essays Problem Solving was a math class which I needed assistance with math binary I reached out to the teacher. His response was really don't know this stuff. I never asked him for help ever. I was embarrassed and felt useless. 
STRATEGIES FOR THE TECHNICAL PROFESSION lab class to take a computer apart and put it back together. Reality not class needed since I was not building a computer or going into that kind of field INTRODUCTION TO PERSONAL COMPUTERS this was learning how to turn on/off the computer. How move a curser around. How to create an email. This was useless because at this time computers have been out over decade. 
OPERATING SYSTEMSINTRODUCTION TO COMPUTER PROGRAMMIN class learning components of a computer. Learning parts and where to buy them. I was not in the field of building a computer I felt they XXXX  to me about meeting my needs in the academic part and lack of support. I felt emotionally lowered my self esteem when I asked for help. 
Class being offered were meant for a XXXX technician or repair tech. Education offered did not match to the field/career I was aiming I filled out borrower defense application XX/XX/2020 Financial Department rep had all the paper work ready. Loans didn't cover all the cost. Arrangement was made for me to bring payments to the office lasted for few months. The rest were loans which I can pay after graduation up to 6 months. 

Never told me interest will still accrued if payment weren't made. I found out on my own nature of the loans and cost of the school would bring me into debt for life. 

Failed to inform me kinds of loans or interest if they were fixed or variable. Increments for each quarter was shown therefor wouldn't realize full amount of the loan. Didn't explain if they were Private or Federal loans.
Product: Checking or savings account

On XX/XX/year>, as I was notified to update my general information. I contacted the Company, to unlock my Account Only! 

Here is my experience ; I contacted you to update my personal information since everytime I went to do it online, you kept on trying to upsell me on fee based products. I manage my own XXXX. You then put a lock on my account, and force me to contact you. 
I contacted you to update my information, and spoke with a customer service representative. 
I then proceeded to notify your customer service agent that I will be processing a rollover request from XXXX XXXX, XXXX  XXXX XXXX to a new IRS. 

XXXX and behold, when I went ahead to do that via direct transfer, roll over, you all sold my portfolio, cut a check and marked it as an early distribution with Federal tax withholding, subject to early distribution penalty. 

I also noticed that XXXX acted as an Agent to do an unsolicited sale of my assets XX/XX/XXXX! 




Just FYI, I know exactly what I was doing, because I'm not financially illiterate. I understand the tax consequence since I work in Tax! 

I will be submitting my complaint to consumer affairs, XXXX, and any other public facing source available. 

Additionally, since you sold my asset and marked as a distribution subject to early withdrawal penalties without authorization, I'm also going to be contacting CFPB and my attorney in for Negligence! 

If the institution processes the transaction without proper consent, it may fall under " negligent banking practices '' or even " fraudulent withdrawal. '' If this happens, the account holder may have legal grounds to dispute the transaction under Regulation E ( for electronic transactions ) or Uniform Commercial Code ( UCC ) Article 4 ( for checks ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information on my credit report, which I obtained from your bureau on XX/XX/2024. According to 15 USC 1681, I never provided written consent for your bureau to furnish or obtain my personal information. 

Upon reviewing my credit report, I discovered that there are entries that I have not authorized. This is a violation of my rights under the Fair Credit Reporting Act. Specifically, I did not provide explicit, written consent for your bureau to disclose my personal information to any third parties or to obtain information about me without my knowledge.