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

I am filing this complaint against Equifax due to their unauthorized collection, storage, and dissemination of my personal information without my explicit consent. I have recently reviewed my consumer report and identified inaccuracies that adversely affect my financial standing. As this is my first official communication regarding this matter, I am submitting this complaint through the CFPB as a formal notice of dispute. 

Equifax has failed to ensure the accuracy of my consumer report, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I demand immediate investigation and removal of any incorrect, misleading, or unauthorized information from my file. 

Additionally, I will be mailing a physical copy of my formal affidavit and adhesion contract to Equifax executives detailing these violations. I request a prompt response acknowledging receipt and outlining the corrective actions to be taken. If no resolution is provided, I will escalate this matter accordingly.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to inform you that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated due to inaccuracies in my credit report maintained by your agency. These inaccuracies stem from a violation of several key provisions of the FCRA, as outlined below : 15 U.S.C. 1681 Section 602 - Right to Privacy : This section asserts my right to privacy regarding my credit information. I have not provided written consent for the accounts in question to be furnished to your agency.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Consent Requirement : A consumer reporting agency such as yours can not furnish an account without the written consent of the consumer, which, in this case, is me.

15 U.S.C. 1681a - Definitions - Rule of Construction Exclusion : The definition of a " consumer report '' in this section excludes any report containing information solely regarding transactions or experiences between the consumer ( myself ) and the entity making the report. Therefore, these late payments should not be included in my credit report. 

15 U.S.C. 1666b - Prohibition on Treating Payment as Late : This section prohibits creditors from treating payments on a credit card account as late for any purpose. Hence, the late payment information reported for these accounts is in direct violation of this provision. 
Additionally, according to Section 604 of the FCRA ( 15 U.S.C. 1681b ), I have the right to control who has access to my credit information. Credit reporting agencies should have my permission, typically in writing, to collect and share details about my financial accounts. 

I kindly request the removal of the following inaccurate accounts from my credit 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 I expect your prompt attention to this matter and request that you investigate these discrepancies immediately. Please provide me with a written response detailing the actions taken to rectify these inaccuracies within 30 days, as mandated by the FCRA. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first disputed with National Credit System in XXXX of this year. I later disputed with the company again with a follow up letter from the previous. In this letter I stated to this company that they had broken the law because according to FDCPA 807 ( 8 ). The law states that the agency is required to contact the credit bureaus and make sure to add a sentence to my credit report within 30 days that says I have disputed the item. This federal law has been broken and this item should be removed IMMEDIATELY. National Credit Systems never responded back to this dispute and I have the signed signature that the company signs when they received it in the mail. This was my 2nd choice for the company to cooperate and next step will be small claims court if company continues to report this item fraudently on my credit report
Product: Debt collection

M LEONARD & ASSOCIATES is still reporting on my reports. This accounts was paid & the company agreed to remove it from my report as part of the payment. They continue to report the account after I 've disputed it with the bureaus. It 's damaging my credit & causing me emotional & financial stress. I would like this account removed at once!!!!
Product: Debt collection

For nearly 2 years, one collection agency after another, harassed me by phone at irregular times with questionable business/collection practices. 

When I wrote back disputing the facts and offering to pay what was ( less than ) the fair amount owed, the agencies transferred collections repeatedly and continued to place inaccurate record on my credit. 

they repeatedly did not answer to my fair, final settlement to pay and settle and totally stopped communications this year. IC systems have been less than fair when it comes to my end of the negotiation and writing to settle. 

copies of my effort to communicate, offer to settle for fair actual amounts owed were in vain, and are available for review, if needed. 

please help me get this monkey off my back and restore my credit. 

thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. I noticed there was a debt being reported on my credit report by a company I have never heard of. This company being LVNV Funding. The alleged debt {$1500.00}. I then sent out a letter vis certified usps mail to LVNV Funding at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX to validate the debt. The letter was I sent was received XX/XX/XXXX which is verifiable via usps certified tracking. It is now XX/XX/XXXX and still have not received any proof. Ive also disputed this debt multiple times with XXXX, XXXX, and XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX to which they have stated the debt is valid, without providing proof of how it is valid even though I have never contracted with LVNV Funding and my privacy rights are being violated. 15 U.S.C 6801, 15 U.S.C 6802 ( a ) Notice Requirements, 15 U.S.C 6802 ( b ) Opt Out, 15 U.S.C 1681i ( a ) ( 5 ) ( A ) In General, and U.S.C 1681i ( a ) ( 7 ) Description of reinvestigation procedure.
Product: Debt collection

Southern Management XXXX located at XXXX XXXX XXXX XXXX florida XXXX -- They are stating i owe an amount of money but cant prove it, i tried to negotiate with them but they are mean rude and hang up the phone with immature statements like " im not going to do this '' " uh oh i dont take attitude '' and a bunch of other silly comments that result in hangups thus making it impossible to get to the bottom of the collection issue. I have asked them for proof of debt for 7 months and they say check your credit report which they damaged, it is the only debt in collection that i have. I practically beg for proof of debt, apparently the debt is owed to a business that is now defunct. Please help get to the bottom of the abuse.
Product: Credit card

On XX/XX/year> capital one blocked my acounnt due to suspicious activity and they asked for some documentation to verify my identity, i sent the documentation, they said that they need proof of.my adress as well, i sent a bank statement with my adress, they said the adress dont match with the adress on file, i told them is becouse i moved, they said they can not unlock my acount because of that, and that theres was not way to unloch my acount, however they continue charging me interest on thisnand they even made a charcge of XXXX dollars to my chase acounnt, charge that wasn't authorized by me. I told them im.not going to make any payments until i can see whats going on onmy acountt.
Product: Debt collection

LVNV FUNDING LLC Open Date XX/XX/2018 Amount {$590.00}
Product: Credit card or prepaid card

On XX/XX/2020 I found out that my bluebird account had been accessed fraudulently, I contacted Bluebird to let them know there were unauthorized transactions on my accout. In total 19 transactions for {$800.00}. I let them know I was not in possession of the card as it had been taken with my wallet and phone. I also went to website and changed password so no further access to my account would be available. I was told that the claim was denied and no error occurred. If I am not in possession of the card and charges were made I have a hard time understanding the denial. I met all the guidelines of reporting within 24 hours to where I should lose no more than {$50.00}. The money added to my account was from my other bank account which whoever had my phone and cards could access both accounts. I have struggled to pay bills as the amount was equal to my rent. Please look into this.
Product: Debt collection

In XXXX I had XXXX  XXXX and I was unable to work. The pain was so severe I had to move out of my apartment. I received a bill from XXXX XXXX XXXX XXXX XXXX XXXX and I disputed it directly with the XXXX. To this date, they never provided a breakdown or made corrections to their bill and forwarded the alleged outstanding balance to a debt collector, ONLINE INFORMATION SERVICES # XXXX, {$670.00} alleged amount owed. I am now trying to buy a home and this account is damaging my credit score. My loan originator and I called the debt collector today, XX/XX/XXXX and informed them that I was buying a home and they were reporting an alleged debt that I disputed already with XXXX. I spoke to XXXX, Account Manager for ONLINE INFORMATION SERVICES. My loan officer informed her that they were affecting the interest rate I would receive by reporting an inaccurate account on my credit report. They refused to delete it even though they could not confirm the veracity of the alleged amount owed because they are a third party and did not provide to me any credit or utilities. This is going to make me pay a higher rate and have to pay more at the closing table for the rate. I don't owe this money and the debt collector has no right to report on my credit report because ONLINE INFORMATION SERVICES is not a creditor. They admitted as much in the call and they also admitted that they can not allege the amount owed because they are not the creditor. I do not owe this money and ONLINE INFORMATION SERVICES is trying to extort money from me by reporting an inaccurate account to the credit bureaus. If they have done this to me, they are doing it to others. XXXX stated that they would respond to a complaint by my attorney, which could take years in litigation. I have already disputed this amount to the credit bureaus.
Product: Debt collection

I have been working with this company to resolve a debt. I had been provided a verbal settlement offer after a vehicle was repoed. I was told to pay {$900.00} and then the vehicle could be released, which I did. I was then told I would need to make automatic payments. Since it didn't happen on the call prior to vehicle release, I assumed this would be addressed after I reclaimed the vehicle. When I called in XXXX, I was told that the settlement offer had been rescinded for non-payment. I explained I never set up payments, and I have received no letters or calls. I was told that I did. I then said, well since all calls are recorded can we please listen to my call and that will prove that there was no authorization given, I just paid the repo fees, and that I should be able to settle. I was told XXXX, the manager, would pull the call and to call back. I also asked how it was that I now owed a substantial amount more then what I previously owed on the vehicle. I was told by XXXX that it was because I owed additional repo fees. I explained that you can't do that and it hasn't been repoed since the first time, when I paid and had it released. Then I requested an itemized bill to show what I am paying for. XXXX told me that they can't do that.. I was then told that XXXX would pull the call and I needed to call back. I was told XXXX XXXX does not make calls and only communicates via letter. I asked for email copies of letters that were previously sent and was told they can't do that either. I have been calling to get the results of the pulled call review from XXXX. When I call I am transferred and no one ever answers. I have also been given a recording that says something like, I am unable to connect you at this time please call back later. The last call was on XX/XX/XXXX. I also called XX/XX/XXXX.
Product: Debt collection

Virtuoso Sourcing Group, a collections company working on behalf of XXXX agreed to settle my debt for 75 % of the amount owed ( settlement offer letter attached ).

The original amount owed was {$260.00}. As agreed, I paid {$190.00} via check on XX/XX/21 ( copy attached ). 

Yesterday, XX/XX/21, a new collections company - XXXX XXXX XXXX XXXX contacted me on behalf of XXXX attempting to collect the 25 % that was discounted. 

I called Virtuoso, they said they no longer have the file, because XXXX pulled it from them on XX/XX/21 but their records show that I still owe a balance. 

I called XXXX and was told that Virtuoso had the file and they did not have any record of the new collections company that called me. 

My call was transferred to 6 different associates within XXXX and Virtuoso over the course of 1 hour and no one was able to help.
Product: Debt collection

This account is too old to be in my report. The account has been paid off in full and closed more than 7 years ago. It still showed open and collection at the same time
Product: Credit reporting or other personal consumer reports

I have pulled my report and see things i did not authorize, i have no relationship with these companies, some were removed and they out it back on, i need this investigated and removed immediately
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX   ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : Commonwealth of Va Account # : XXXX date opened XX/XX/XXXXXXXX  bal. {$9400.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2100.00}, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1500.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This Tradeline doesn't belong to me, please Delete Tradeline from Credit reporting. Thank you. 
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. Account name : XXXX XXXX ACCOUNT # : XXXX Has violated my rights. And 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 ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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, credit repair services, or other personal consumer reports

an inquiry for XXXX for JPMCB Card services this was done without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a credit card on my credit report and to which there were late payments on this account. This account at one point did have a balance which I paid to just have removed from my credit since XXXX XXXX XXXX  would not fix this issue. The payment was returned to me saying this account was fraudulent. XXXX XXXX XXXX  will not remove this account from my credit although they have returned payments to me saying this account is fraud. I have disputed this as fraud multiple times off of my credit which they said they do not find it related to fraud.
Product: Credit card

I am writing this letter to formally dispute the following with American Express : 1. Statements that are very confusing and nearly impossible for consumers to understand. Particularly those individuals who have balances that have been transferred to the pay overtime section of their bill. 
2. Recent transactions that were charged to my account by American Express, initially as credit ( adjustments ) then as debits. 
I was given the option to pay balances over time by American Express with a credit limit of XXXX. However, I noticed several adjustments on my account in the amounts of XXXX, XXXX and XXXX. When asked on two occasions how these amounts were arrived at, American Express has yet to produce any evidence regarding how the amounts were derived. 
Also, when I manually added up all of my charges and all of my payments ( not taking into account interest ), the aggregate total reflected was less than the amount that appeared on my XX/XX/XXXX statement. 
Please see letters sent to American Express along with corresponding statements. 
If you can investigate this matter, I would appreciate it immensely. 
Thank you for your time and consideration and for your commitment to ensuring that consumers are treated fairly and not unjustly taken advantage of. That means more than words can express. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. lease see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX XXXX XXXX ( Account # XXXX**** ) customer since 2018 and during that time, I have enjoyed my experience with XXXX XXXX XXXX greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced accounts that date back to 2018. Since that time I have been an exceptional customer paying early every month. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was a XXXX XXXX XXXX  XXXX  without a job. I say that not to justify why the payments were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX XXXX is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX XXXX is heads above the rest. I look forward to your reply.
Product: Debt collection

Someone stole my identity for years and been using me name and i want my name cleared up due to a bad divorce ex husband may have parts in it as well. not sure whats going on but this a fraud case and i would like this off my report due to fraud.My identity was stolen.
Product: Money transfer, virtual currency, or money service

Money ( {$3500.00} ) was transferred from my BOA account into my daughters account without my authorization. I was an overseer of her account and she had no access to my account or permission use my account in any manner.The money was then taken out of 5 different ATMS in AZ. I filed a fraud claim with BOA and it was denied. I called them back and they since have reopened this case but will not give me a time frame to get my money back. This is wire fraud. They told me the device used was her phone.