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

After my divorce in XXXX, my credit was ruined. I was able to bring it up to XXXX by XXXX. However, in XX/XX/XXXX a debt buyer, LEWIS MCDONNELL & ASSO, started reporting an unpaid account to the bureaus, which is not mine. It says the original creditor is XXXX XXXX XXXX, which I have never had an account with, and no longer exists from what I can tell. I've found websites and stories about XXXX XXXX XXXX  changing their name & /or being sold, which included the names of companies that I have had accounts with in the past ; XXXX  and XXXX  . I have contacted the two companies that I have had accounts with in the past to see if they are related to this XXXX XXXX XXXX  ( original ) creditor, and they are not. 
According to my credit report, LEWIS MCDONNELL & ASSO claims that the " Original loan amount '' is {$1600.00}, with a current balance of {$2300.00}, as of XX/XX/XXXX. It lists nothing about the Date of First Delinquency, the Date of Major Delinquency, or anything else. 
And according to XXXX, XXXX XXXX XXXX  charged off this account on XX/XX/XXXX. And LEWIS MCDONNELL & ASSO picked it up ( from who knows ) on XX/XX/XXXX. Also according to XXXX, once I disputed this account in XX/XX/XXXX, their investigation resulted in a " certified '' claim, which means that when asked for confirmation, LEWIS MCDONNELL & ASSO simply stated that they show this account in their records, which ultimately confirms the account exists. As explained to me by XXXX, when a dispute is initiated, all that means is, is that they inquire about the account, and if it appears in their system, it is considered legitimate. That said, you can dispute an account that does not belong to you, but the company that is reporting the claim simply has to confirm the account exists, rather than to confirm the owner of the credit report actually entered into an agreement with that company or not. This is wrong in every way. It is unethical, immoral, and downright criminal. 
So, as it sits, an account was opened 6+ years ago in my name with a company that no longer exists, and somehow a random debt buyer has the right to report false claims to my credit report and ruin my life without providing, much less having, any proof of a contract that I ever entered into to pay a debt of any kind. 
How is this even possible?? What are my rights? I can't make an untrue statement about an individual because it is considered slander. But some random company can report that I owe them money and have refused to pay it for years, and without repercussion? I demand, as an American citizen and taxpayer that this be overturned and resolved immediately. LEWIS MCDONNELL & ASSO must be required to provide a contract that proves that I agreed to pay a debt to them, as well as, defaulted on it.
Product: Checking or savings account

Hi I requested to close my capital one account and it took them a month to close it after I paid off the outstanding balance and Im showing it still reported to XXXX XXXX  as a past due account with higher balance and I cant open up other checking accounts with another bank and I Received a decline letter from XXXX XXXX  due to Excessive deposit returns and current unfavorable experience with a financial institution which it came from capital one they put a bad things under my name and ruin my life by sending that message to XXXX XXXX  ... I hired a attorney to take look at this ... and I cant get a checking account under my name for life ... this is not right I paid my outstanding balance with capital one but it not being updated to XXXX XXXX  at all .... capital one has destroy my name and my life and cant apply for a checking account elsewhere .... I was turn down for a XXXX savings account My capital one account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a Block due to ID Theft to TransUnion and was denied with no reason provided. Below are the attempts to have this resolved. 

XX/XX/19 Fraud Alert Added to my TransUnion Account File # XXXX XX/XX/19 Credit Freeze Added XX/XX/19 Mailed FTC ID Theft Report # XXXX, copy of DL, police report XXXX disputing fraudulent activity on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, address of XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX and all 58 inquiries listed on my credit report. I also included a statement from XXXX XXXX the account is closed with {$0.00} balance, letter from XXXX XXXX dated XX/XX/19 stating there are no late payments. 
XX/XX/19 I did not receive a response from my request and was instructed by the FTC to send a Block request for the ID theft so I mailed them this letter, FTC Report, copy of DL, copy of TU credit report showing fraudulent activity and a copy of FCRA 605B. 
XX/XX/19 I received a letter from TransUnion file # XXXX stating they have declined my ID Theft block request but failed to provide the specific reason. 
XX/XX/19 I called XXXX-XXXX-XXXX XXXX XXXX CST and spoke to the fraud department representatives regarding this XX/XX/19 letter file # XXXX. I spoke with XXXX, XXXX - stated the letter was sent in error and to wait for the dispute to complete by XX/XX/19. I explained TU had 4 days to block the fraudulent accounts which he denied, asked for manager, transferred to XXXX who stated the fraud block did not meet their internal criteria for fraud and refused to disclose what this was, asked for manager. Trans to XXXX a manager that also refused to provide this criteria or any information to get this blocked. I asked for a manager he refused and stated there was no one above him but gave me the corp office # XXXX-XXXX-XXXX which is a vm for the executive resolution team. I left a detailed message on XX/XX/19 XXXX XXXX CST.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX  and CAPITAL ONE with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXXBalance : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$170.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00}
Product: Checking or savings account

In XXXX of XXXX, PNC Bank put my account under investigation for receiving a XXXX XXXX. The same day I received a direct deposit from my previous place of work. I knew it was an accurate payment so I waited 45 days for the investigation to be completed. In XXXX of XXXX my account was closed and I was told I would be mailed a check with my remaining balance. After 2 months I was not mailed a check. In XXXX of XXXX I called PNC to see why my check had not arrived. I was then told my remaining funds were escheated and I would have to wait until they updated their system in XXXX of XXXX, I called back and was told that I would not be receiving my funds and my account is under investigation, and that they were not required to give me any details. It is not XXXX of XXXX and they still havent given me any updates, or given probable cause to still be holding my funds.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : CXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, i received a credit alert and an email that i have been a victim of identity theft. I have also been affected by the recent credit breach. I am unaware of the account that was placed on my credit file by your company. I am disputing the error that your company has placed on my credit file. Here are the accounts that are errors. If this issue is n't resolved i will be forced to take legal actions against your company immediately upon your response. I have contacted the XXXX, and have contacted the XXXX XXXX XXXX. If this error is n't removed i will be seeking compensation through a civil courtroom for damages {$3000.00}. You will be faced with fines and several consequences due to the fact that i 'm unaware of this account and i was never contacted by no one to get my consent. 

COMMON WEALTH XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

I have been complaining about this company for sometime now. They have remained to allow errors on my report. They never do a full investigation to properly resolve my disputes. 

They have a computer generated response letter stating account has been verified when I ask for their ( Method of verification ) they will not provide me my request. I have a right to this. 

I have many letters and also complaints with CFPB about all the violations and errors on my report. I continue to write these disputes to them. Either they -Ignore -Dont respond -Or Send a ( computer generated response Never doing a real investigation to the errors on my report. 

As these years have went by I have finally received information about the same thing I have been complaining about. 

The accounts again have been in so many violations but the lawsuits that are services about these companies I have already complained about. 

Especially removing accounts and placing them back on my report I sent and called about this many times and they did nothing. 

Accounts -Credit acceptance- reporting ( which this company was sued for how they report unknown agreements and violating FCRA laws and nothing was done. Never looked into the reporting errors. 

XXXX removed due to reporting errors and FCRA violations ( placed back after months ) XXXX- removed due to reporting and FCRA violations ( placed back on my report ) -XXXX XXXX removed due to reporting errors and FCRA violations
Product: Checking or savings account

Hello, I deposited my payroll check from my employer for the amount of {$2700.00} on XX/XX/2024. Upon depositing, I did not receive an initial {$220.00} a business day after depositing the check which is routine for big checks until they are cleared. I called Everbank XXXX to see why my check was still on hold and when it will be posted. The agent told me that it will be posted and released for available use on XX/XX/XXXX, that Friday. During that same week after checking Friday morning to see if my funds were released, I got locked out of my TIAA account which is also Everbank since they are partnered now. I called in to ask why my account was locked and they said it was for security reasons and that they can not lift the restriction until their back office can verify the check AGAIN. This process will take another 7-10 business days they said. This is outrageous. I have never seen a payroll check on hold for almost TWO WEEKS. I called my employer right after this to verify if the check I deposited had withdrawn from her bank account and was settled and NOT pending. She called XXXX XXXX, her bank, to verify the check disbursement and they were disbursed and RELEASED by XXXX XXXX on XX/XX/XXXX ... That was that XXXX So Everbank is just lying to their customers about their procedures and why they are holding my check. I am late to pay for rent as well as utilities now because of this. I hope they find a resolution for me very very soon.
Product: Credit reporting, credit repair services, 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. XXXX Account XXXX XXXX XXXX Last reported XX/XX/XXXXhas 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 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 ofcrimes 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: Debt collection

On XX/XX/23 I received a notification from, what I thought was XXXX, regarding a transaction on my account for a purchase that wasn't mine. 
I contacted the fictious company, and they hacked my phone and was able to get into my XXXX account and XXXX account. 
I reported this to my bank and they were able to stop the transactions for both. 
XXXX dismissed the balance but XXXX wants me to pay the balance. 
Please help. 

Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

Mariner Finance created a loan check for me in the amount of {$6000.00} and sent it through the mail. It is an unsolicited loan. I did not apply for a loan. I do not want a loan. I did not ask for a loan. I received an email on XX/XX/XXXX stating that I should have received the loan check and that upon signing the check and depositing it into a deposit account, I would have an enforceable loan with Mariner Finance. Notably, I have not received said check and Mariner can not trace said check to see if it has yet been cashed. Moreover, Mariner sent the check through regular US mail so it can not be traced through the mail system. 

I am troubled by this for many reasons : 1- this is an unsolicited loan. I did not apply for a loan, nor do I want a loan. 

2- This is ripe for fraud. A check arrives in the mail ( which has yet to arrive ) to an unsuspecting victim. Upon arrival, anyone who obtains the check can forge my signature and take the proceeds. 

3 - There is a lack of checks and balances- Sending a loan proceeds through the mail and only alerting the named recipient after the fact does not allow for the recipient to be on the lookout for this legally binding document. 

Mariner needs to stop this practice. Anyone could steal this check and forge my signature making me liable for something I do not want and would not have known about. Moreover, i have not received the document and check, so my fear about an unauthorized loan are real and timely. Add in that Mariner can not trace the document and can not state whether someone has yet tried to cash the check is very troubling. 

Saddling unsuspecting people with debt, on its face, appears to be a bad business practice and shpuld not be allowed. Sending this to the CFPB because it needs to be aware of Mariner 's shady business practices. Will also send a copy to my state 's attorney general 's office.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern. I am writing this notice to dispute and remove some incorrect and erroneous items that are illegally reporting, and damaging my credit report. First and foremost, I would like to mention XXXX XXXX XXXX XXXX XXXX  a.k.a Public Law 73-10 which suspended the Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.c 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items of information, other than records of convictions of crimes wjich antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Listed below are the accounts that I DEMAND be removed IMMEDIATELY. 

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
Product: Credit reporting or other personal consumer reports

IN " WELLS FARGO '' TERMS AND CONDITIONS IT STATES THAT THEY WILL " NOT '' GIVE OUT MY INFORMATION WITHOUT MY PERMISSION, WHICH CONSTITUTES A VIOLATION OF THE PRIVACY ACT OF 1974. 

WELLS FARGO GAVE MY INFORMATION TO " XXXX XXXX XXXX '' WHICH IS A THIRD PARTY AND THEY DID SO WITHOUT MY CONSENT/PERMISSION. 

VIOLATION 15 USC 1681 PERMISSABLE PURPOSES
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 card

We paid for a vacation rental home through XXXX XXXX XXXX in the amount of our portion for {$5500.00} ( we split the total with another family ). After being there it was found to have mold in the shower, they sent someone to bleach it and it was so powerful we had to leave with all our children and could not return without the overpowering order until after midnight. Also, there was a golf cart and one of the seat belts were broken which the only response we got was to pull harder on it. Then, we found XXXX mold around a light and ceiling of a different bathroom, pictures were sent to the property management company and phone calls were made. We received no response back to address this more serious issue. This was over XXXX of XXXX weekend the busiest time of year and there were no other accommodations we could find in the location we were at. We knew another family down there and they allowed us to stay with them for 1 night until we could get everything out. We tried resolving this with the property management to no avail, so I disputed the charge with Chase. I called Chase to file a dispute and was instantly denied because we never told them we checked out we are responsible. I have submitted online 2 appeals of their decision. So far it has been denied a second time without anyone contacting me for more information. It is my understanding that when you do not receive a product ( the house and golf cart ) or a service ( the property management and cleaning fees ) the credit card company will investigate.
Product: Bank account or service

I sold an item on ebay, and the item was delivered via email. It was stated in the description. 
The person paid, and I shipped the item. They left me positive feedback. 
Paypal refuses to give me my money for this transaction. 

I have an email from paypal, where they said they would release the money on they XX/XX/XXXX, they did not.
Product: Checking or savings account

I used electronic checks to send money to IRS and XXXX XXXX XXXX XXXX on XX/XX/XXXX. They never received checks and my account was debited for {$2100.00} total. I have asked Chime via message, email, and phone for canceled checks beginning XX/XX/XXXX and they have not provided the checks nor credited my account. 

I need proof of receipt for the following recipients : IRS and XXXX XXXX XXXX XXXX 
See below : IRS {$1600.00} - dated ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX- {$480.00} dated ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED XXXX, EQUIFAX AND XXXX SINCE XX/XX/XXXX. NO RESPONSE. My identity has been stolen you are hereby put on notice for a second time. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. YOU XXXX, EQUIFAX, XXXX have aided this Fraud by not verifying these accounts.XXXX. The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable. 
XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXXXXXX XXXX. Unauthorized inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX DELETE!!! 
XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX SC XXXX XXXXUnauthorized inquiry. XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE!!! 
XXXX  The following personal information is incorrect Former : XXXX, XXXX, XXXX Former : XXXX, XXXX, XXXX Former : XXXX XXXX * Account XXXXXXXX XXXX XXXX # Account Number XXXX XXXXXXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX