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

You are reporting inaccurate and incorrect information on my credit file. 
This information needs to be investigated, verified and correctly amended straight away and all erroneous item removed from my credit report XXXX  - XXXX.
Product: Debt collection

I have asked XXXX XXXX on multiple occasions to stop calling my work cell phone. I get repeated calls from different numbers all over the United States and every time it is XX/XX/XXXX. Instead of stating who they are and they ask is this My name and put me on hold then attempt to coerce me into paying on the spot. I have tons of customers calling me on my cell phone as I am a XXXX XXXX yet half the time I answer it is Midland. This morning XX/XX/XXXX they called at XXXX XXXX as well as yesterday at XXXX XXXX. I have been working nights to help cover for XXXX at work. They woke me up this morning as soon as I went to sleep. This is repetitive and abusive and I believe falls against debtors protection laws.
Product: Debt collection

LVNV FUNDING LLC is claiming collection which i have no knowledge of must fix this Error and delete negative info of my credit bureus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been continuously disputing this account multiple times. I have been reaching out to Credit Bureaus and XXXX XXXX XXXX hoping that they would resolve this issue. The account I am disputing is XXXX XXXX XXXX account number XXXX. The account continues to report as late in XX/XX/2020. Please know that this late payment happened during the National State of Emergency which I made the bank aware of. 

First, I am disputing this account because I thought I was able to fix this with XXXX XXXX XXXX when I called them regarding my payment. This should not be reported as late in my credit report. I know that like any other bank, XXXX XXXX XXXX has a protocol based on the Cares Act that you would let the payment pass for that month due to Pandemic. I need this late payment removed from my credit report immediately. 

Second, this account reflects 0 payment made each month since XXXX. This is an open current account so I dont know why the payments are not reported.
Product: Checking or savings account

Robinhood claims I have to " close all positions '' before deactivating my account. Remaining positions are fractions of a cent of crypto that can't be sold or transferred.
Product: Vehicle loan or lease

On XX/XX/XXXX, XXXX XXXX had my car repossessed after payment was received and illegal accessed my credit report for impermissible purposes not covered under the FCRA guidelines. They did not obtain my written consent to do so as well. So in addition to them taking my car that has been paid for, accessing my credit report without my express written consent ... they also never sent notice via mail nor email of a repossession order nor intent to repossess which is against the law in Texas. XXXX XXXX has not communicated with me by phone, mail, or email since XX/XX/XXXX. Any address change has and was reported to them. Not once have the reached out. Then to be told they placed a repossession order out on XX/XX/XXXX is outrageous. They have more than violated my consumer rights but they have also not followed the law and federal guidelines. Under the FCRA laws, permissible purpose does not extend to auto finance companies with no purpose of opening a new account. Using an individual 's credit report to obtain personal information with the consent of that individual violates their consumer rights under the law.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX,, XXXX XXXX XXXX : {$290.00}, XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX DC XX/XX/XXXX
Product: Consumer Loan

My wife and I have had an auto loan with ALLY Financial for almost 3 years. I pay this loan payment of {$1100.00} through XXXX Bill Pay. One time in the past I sent an extra {$1000.00} and ALLY applied it to future payments instead of the principal. When I called them about this they told me I had to send in the payment stub or call them to have to payment applied to the principal amount owed. In XX/XX/XXXX I sent the payment stub with a check for {$3100.00} and indicated on the payment stub and the check to apply {$2000.00} to the principal. I just received my next bill and the due date is XX/XX/XXXX in the amount of {$270.00}. I called them and was told that it was their policy to apply any extra money sent to future payments.
Product: Credit reporting or other personal consumer reports

The following collections : XXXX XXXX XXXX {$4400.00}, XXXX XXXX XXXX XXXX {$1100.00} and XXXX XXXX XXXX XXXX : {$2500.00} have Violated my Rights. 

Violation privacy and confidentiality under XXXX5 USC 1681 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 reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act XXXX account # XXXX Has violated my rights. 15 U.S.C 1681 section 602A. 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
Product: Checking or savings account

I have contacted the bank multiple times about this issue that happened on XX/XX/XXXX where someone stole money from my card. They have denied my case twice even though I closed the card and I obtain a police report. There is no reason to not give me my money back. And they keep making excuses saying I need this or that or it's closed or something when it shouldn't take almost 2 months to give me my hard earned cash back. I was not doing this transaction and I thought it was an error at the atm I had went to the next day.
Product: Debt collection

In XXXX of XXXX I was notified by XXXX  and XXXX  that a negative collections remark was added to my account. This was placed there by CCS Companies on behalf of XXXX. 

I do not have a XXXX account and have not lived in a service XXXX area since XX/XX/XXXX. Yet, the report states that I was late as of XX/XX/XXXX. I disputed this with both credit agencies and it was removed, then readded in XX/XX/XXXX. I disputed it again and was denied removal. I do not owe XXXX any money and I have never been contacted saying that I do by either this agency or XXXX. The collections just appeared on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

UWM has incorrectly reported to the credit Bureau that I was 30 days late due to their mistake with my auto payment. It was set up originally and they over charged me then stopped debiting my account and every time I would set up the auto pay they would stop it. I notified them on several occasions. They also had the wrong mailing address. I have contacted them on several occasions about these errors but they have done nothing to correct. Now my credit is impacted. I have XXXX mortgages with them and this one does not get processed properly. They need to correct my credit and reverse the charges.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX account XXXX Open XXXX closed XXXX Balance XXXX XXXX XXXX XXXX Original creditor Balance Balance updated XXXX XXXX XXXX {$11000.00} XX/XX/XXXX Have duplicate accounts on my credit report, I have no knowledge of this account and XXXX XXXX XXXX of a 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 or prepaid card

On XXXX XXXX XXXX XXXX XXXX placed a charge on my card for {$9.00}. They also placed two charges of {$10000.00} and {$30000.00} on my XXXX XXXX issued XXXX Card. The total amount was for a resort exchange program that turned out to be fraudulent. I reported this to Citi on XXXX XXXX, XXXX -- well with in their purchase protection window of 120 days. Since then, I have been working with Citi Bank and XXXX XXXX to get this resolved and on XXXX XXXX XXXX XXXX resolved the issued and made the provisional credit that was originally applied to my account permanentsee attached letters titled CARD MEMBER SERVICE. Citibank on the other hand, has told me there is nothing they can do and required full payment of the {$9900.00}. I have tried to work with them, but they have one standard answer, the issue has been resolved and there is nothing further they can do. They say this is according to XXXX policy, but I find that hard to understand because the XXXX XXXX Card is also a XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Experian responded to my original dispute regarding unauthorized inquiries, report number XXXX but did not dispute XXXX XXXX XXXX inquiry posted on XX/XX/XXXX. Which was part the initial inquiry dispute letter sent on XX/XX/XXXX via USPS tracking number XXXX XXXX XXXX XXXX XXXX received XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE INQUIRES ARE NOT MINES, THEY ARE UNAUTHORIZED & SHOULD BE VALIDATED ASAP. I AM ASKING THAT YOU REMOVE FROM MY TRANSUNION REPORT IMMEDATILY THANK YOU
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the companies associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX  XXXX.
Product: Student loan

I attended XXXX XXXX University for a total amount of one semester in 2015. I do not recall signing anything for student loans besides FAFSA paperwork. About a year or so after I stopped going to XXXX XXXX, I started receiving phone calls and emails about a student loan that I did not have any knowledge of signing up for. I asked my mom who was in control of my educational financing and she also could not recall applying for any loans except for the FAFSA. The company that is issuing the 3 loans I 've seen is XXXX XXXX XXXX XXXX. I have contacted them several times to start a repayment plan after seeing that it was a delinquent account which scared me. It has effected my credit score causing it to lower significantly and I just want to be sure that its a legitimate loan and not a scam as I have fallen privy to in the past. I do not remember specific dates that I spoke with them, however I have received two letters in the mail in the last 2 weeks that are statement balances and requests for payments. I have made 3 payments of {$50.00} in the last couple of months. I just need to know if I really signed up for the loans or not. I am young and uneducated on how these things work and I want to be sure I am not being taken advantage of.
Product: Debt collection

i have received numerous calls even after I have asked XXXX XXXX at XXXX to stop calling. They robo call me on my cell phone as well as my office. The people that I speak to are belligerent and threaten to have me served at work and continue to hang up on when I ask for proof of this debt. This debt has been paid since 2011.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is not a request for an investigation, but lawful written instruction and permissible purpose of a consumer report by the consumer to whom it relates Pursuant to 15 USC 1681b ( a ) ( 2 ). Pursuant to 15 USC 1681a ( e ) an Investigative consumer Report is defined as " a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is stained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from the consumer. '' I DO NOT CONSENT TO ANY INVESTIGATION as it is my right pursuant to 15 USC 1681d ( d ) ( 1 ). 

I will also make know at this time that neither XXXX, Transunion, nor XXXX can lawfully " verify '' anything contained in my consumer report. The lawful definition of verify means to confirm or substantiate by oath or affidavit ; to swear to the truth of. Any information contained in my consumer report that XXXX, Transunion, and XXXX verifies, must be done so under oath in the presence of a XXXX. 

XXXX, Transunion, and XXXX are corporations and lifeless, soulless, entity, they do not have the power to verify any information.
Product: Student loan

Navient was my student loan servicer for years. They did not advise me about IDR programs and work to get me into a plan that would help me pay my loans back without all the interest. I graduated in XXXX  and owe as much today as I did in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Incorrect information on my credit report.
Product: Money transfer, virtual currency, or money service

Suntrust bank did not refund the entire rejected wire transfer amount.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



1. XXXX XXXX XXXX - XXXX 2. XXXX XXXX XXXX - XXXX 1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

i was given a XXXX XXXX  check drawn on the XXXX  XXXX XXXX for a project by a new client that i didnt know. on XXXX, i went into my wells fargo bank branch in XXXX XXXX and asked them to verify that the check was good. the teller said it appeared to be a valid check and then deposited the check on into my checking account. the next day i got an email notice from wells fargo bank saying that the check cleared and the funds were available in my checking account. on XXXX i received another email notice that the clients check had bounced. wells fargo bank told me the check appeared to be fraudulent and they removed the funds from my checking account. 

i thought, i had covered myself against any possible fraud since the funds had cleared my bank and where in my checking account. at that time, i began work on the project. i paid my clients vendor XXXX XXXX via 3 separate XXXX  transactions for stone he said, he had purchased from his vendor to be used on the project. 

wells fargo bank deposited my clients check into my checking account after i asked them if the check looked real, then the bank cleared the funds into my checking account the following day. so assumed i was good to start the project, which i did. 6 days later on XXXX wells fargo bank told me the check had bounced and they removed the funds from my checking account. i had begun work and paid vendors. i acted on good faith that the clients check had cleared and the money was safely in my checking account for my use. i think the bank should have put a hold on the funds if they had any reason to believe it may be fraudulent. wells fargo bank is refusing to reimburse me for the amount of the clients bounced check which was {$12000.00} including the XXXX XXXX  transactions i paid out totaling {$2000.00}. 

it turned out in the end, that the new client wasn't actually who he pretended to be and all the contacts and vendors the client gave me where also not actually who or what they pretended to be. they ran a fraudulent scam and got away with {$2000.00}. of XXXX payments plus the loss of time and expenses to my business totaling {$10000.00}. the grand total of my loss is {$12000.00} i filed a police report case number : XXXX XXXX XXXX police department, company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX office : XXXX  / financial crimes unit : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB NEEDS TO INVESTIGATE THIS NOW!!! My name is XXXX XXXX DOB XX/XX/XXXX. When I spoke to the rep and paid this account in full once out of the hospital, he just me 100 % All that was owed on my account back to XXXX was a {$35.00} late fee that I filed a Reg Z dispute for and THEY NEVER RESPONDED!!!!! I ENDED UP WITH OVER A {$200.00} BALANCE OVER NOT PAYING A {$35.00} LATE FEE I DISPUTED. Then here is the best part- IT WAS WAIVED WHEN I PAID THIS ACCOUNT IN FULL BECAUSE IT WAS INVALID!!!! XXXX XXXX  is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX XXXX!!! They clearly know I had XXXX  in early XXXX and did not get out of the XXXX  and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! 

They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX XXXX Account! 

I almost died from XXXX AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON XXXX XXXX CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! 

I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! 

OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
Product: Credit reporting or other personal consumer reports

am writing to formally dispute the collection account referenced above that is currently reported on my credit report. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681 ), I am requesting the immediate removal of this collection account for the following reasons : 1. Request for Creditor Information ( 15 USC 1692g ( a ) ( 2 ) ) : Pursuant to 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor to whom this debt is allegedly owed.

2. Request for Amount and Calculation of Debt ( 15 USC 1692g ( a ) ( 1 ) ) : Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting detailed validation of the amount of the alleged debt, including a breakdown of how this amount was calculated. This request is specifically for the validation of the amount of the alleged debt as outlined under 15 USC 1692g ( a ) ( 1 ).

3. Method of Verification and Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) : Under 15 USC 1681i ( a ) ( 7 ), I am requesting a description of the reinvestigation procedure used to verify the accuracy and completeness of the information reported on my credit report. This should include the business name, address, and if reasonably available, the telephone number of any furnisher of information contacted in connection with this information. This description should be provided within 15 days of receiving this request. 

Enclosed are copies of documents supporting my dispute, including : A copy of my credit report highlighting the collection account in question. 
Any previous correspondence regarding this matter. 
Please initiate an investigation of this dispute and provide me with written confirmation of the removal of this collection account from my credit report. Additionally, please send me a corrected copy of my credit report upon completion of your investigation. 

Details of the Account in Question : Creditor Account # Account Type Balance Date Opened Status Last Reported XXXX XXXXXXXX XXXX {$530.00} XX/XX/XXXX XXXX XX/XX/XXXX Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - No. of Months ( terms ) : - High Credit : {$530.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Consumer disputes this account information Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX ( TransUnion and XXXX ), XX/XX/XXXX ( XXXX )