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

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX ( Original Creditor : XXXX ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Debt collection

XXXX XXXX sold debt to another third party and the a law firm reached out to me in XXXX and stated they would sue for unpaid debt. 

15 USC 1692c outlines rules regarding communication between debt collectors and consumers. According to this law : Debt collectors can not communicate with a consumer without prior consent12.

If a consumer notifies a debt collector in writing that they refuse to pay a debt or want the debt collector to cease further communication, the debt collector must comply3.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and asked asked them for proof and they didnt even respond to me they ruined my life and i just got divorced and i hired a lawyer to open a case for this damage i contacted the bureaus after and sent them letters and asked them to removed it almost 3 months ago and here is my tracking numbers with usps to the 3 of them and no response XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH 3 BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS DEPT OF XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND 3 BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Money transfer, virtual currency, or money service

I am constantly being locked out of my venmo account, when I try to sign in it will just literally not let me and I have a lot of money sitting in there, essentially they are withholding me from my funds, it has caused me so much problems so over this not being able to access my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote a letter to the credit bureaus to do an investigation of my credit report to check the accuracy of the accounts and personal information. They stated all my accounts and personal information was accurate and update. So I did an even thorough investigation myself and found improper inaccuracies on my credit report even after they said they did there investigation. I Researched my own rights and found this .... in accordance with the Fair Credit Reporting act 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 .Below I am listing all the accounts that I found was to be wrong. 

Account Name : XXXX XXXX Account : # XXXX Each credit bureau is reporting different late payment status as well as the date of last reporting. I have attached my credit report as well as proof of my letters being sent to the credit bureaus and no investigation being done. 

Account Name : XXXX  XXXX Account # XXXX I have asked for this account to be removed because the account is not mine and is someones account affecting my credit score negatively Each credit bureau is reporting different information and XXXX doesnt even show this account belonging to me. 
Account Name : XXXX Account # XXXX Each credit bureau XXXX XXXX different " dates of last active, '' date of last payment, '' and " payment status. '' Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$6100.00} This account is only reporting from XXXX and no other credit bureau. I have already disputed this as a fraudulent account yet experian continues to hold this account on my credit report. 
Account Name : XXXX XXXX XXXX Balance : {$25000.00} This account is only reporting on XXXX and no other credit bureau. I have already disputed this as a fraudulent account yet XXXX now continues to hold this account on my credit report. Account Name : XXXX XXXX XXXX This account has so many inaccuracy from date opened, to balance due, payment status, and date of last active. The credit bureaus did not due an investigation into this account to verify the information is correct.. 
Account XXXX XXXX XXXX XXXX  XXXX Account XXXX This account is only reporting negatively to two credit bureaus which is XXXX and XXXX. Which both these bureaus have different dates of opening as well as when the account was even active.
Product: Consumer Loan

Hello, what happened was I ended up getting the car I got with loan threw J.D Byrider. As the car got stolen, n reported stolen whomever stole hit totaled the vehicle and left it. The state police around XXXX, nj found it and brought it to a towing place in XXXX, nj. Filed the stolen car report and it took 8 months for cnac to place claim. When it finally went threw it was only XXXX XXXX and sum deducted from loan pay out. That was full coverage I had, usually full coverage, theft, etc. J.D.Byrider did n't even go n take pics. To put claim in! They expect me to pay back the loan, I have n't the vehicle, n as I said got their full coverage threw their co.
Product: Payday loan, title loan, or personal loan

Credit karma pre approved and said I had very good approval odds for a loan up to XXXX dollars with XXXX XXXX, but when I talked to XXXX XXXX  I was denied.
Product: Debt collection

Original creditor is Capital One Bank. Opened on XXXX XXXXXXXX XXXX In collections with XXXX XXXX XXXX. The amount is {$600.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX. No additional information could be provided. I disputed this collection with XXXX. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I never opened this account, nor did I authorize its use. I currently have a Capital One Auto account that I am in good standings with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen, including my passport and driver 's license. Several accounts were opened in my name after the theft. I filed a police report and have attached a copy of the police report and a copy of my passport to this dispute. 

Three accounts remain on my credit report from this identity theft even after disputing them and receiving notification from the creditors that they would be deleted. 

XXXX XXXX XXXX CC # XXXX XXXX XXXX informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX this negative account that was opened due to identity theft remains on my credit report. 

XXXX XXXX XXXX  XXXX XXXX XXXX  informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX this negative account that was opened due to identity theft remains on my credit report. 

XXXX/XXXX  XXXX XXXX # XXXX This debt collector informed me via the CFPB that they were sending a deletion request to the three credit bureaus asking for this to be deleted from my credit file. It still remains on at least one of the three reporting agencies. 

The following inquiries are showing on my credit report and were authorized without my knowledge or consent and are a result of identity theft : XXXX XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me, please remove according to 15 USC 1681c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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 an account without my written instructions. 

15 U.S.C. 1692C A Section 1 : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumers location.

The debt collector has communicated with me without my express permission, it has furnished my account without my written instructions and has violated my privacy.
Product: Vehicle loan or lease

Capital One has been harassing me with phone calls as well advertisements stating I was pre approved for a XXXX percent interests and free to apply as it will not reflect on inquiry on my credit profile XXXX  XXXX not only did it reflect but TWICE dropping my score XXXX XXXX knows EXACTLY my debt ratio etc and XXXX add to my previous open complaint MONOPILIZING MY PROFILE ETC trying to bring scores etc and giving me more like a XXXX percent rate vs XXXX percent rate BAIT AND SWITCH
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. There is a fraudulent XXXX XXXX account on my credit report. This is not mine nor do I have an idea whose account this is. Please delete the fraud account and hard inquiries from my credit reports as soon as possible. The fraud account is XXXX  - XXXX - Opened on XX/XX/XXXX and the fraud inquiries are : XXXX XXXX XXXX  XXXX - XX/XX/XXXX and XXXX XXXX - XX/XX/XXXX. I have attached my FTC report, ID, social security cards, and proof of address. I have been going back and forth with the bureaus, specifically Equifax. They told me that they verified it's mine which is IMPOSSIBLE. Please help me sort this issue within this month if possible. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXXXXXX XXXX Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX BANK AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This account was opened closed & reopen. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in pdf. There comment of dispute in progress not on file thats a violation & its been over 30 days. PDF for proof. I want proof of this account i dont recognize
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the accounts listed below.

I am sure you are aware and understand that it is required by Federal law that Credit Reporting Agencies must take proper care in ensuring the accuracy of this information with my accounts; adhering to this of the utmost.

In this regard, I hereby request the following steps to remedy this situation to ensure compliance with all provisions of the Fair Credit Reporting Act, Metro 2 Compliance, and the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with the above-mentioned Laws regarding my Credit file for each of the following accounts : Bureau : TransUnion Creditor XXXX XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 120 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed reported as XXXX Last Verified reported as XX/XX/XXXX Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX Bureau : XXXX Creditor : XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 150 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed is Not Reported Last Verified is Not Reported Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX Bureau : Equifax Creditor : XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 120 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed is Not Reported Last Verified is Not Reported Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX XXXX seeking written evidence of timely billing and the posting of all payments I made on each account, regardless of whether you claim they were late from the time these accounts were opened to this present date. pursuant to XXXX XXXX XXXX XXXX - Disclosures to consumers If you are not able to provide me full disclosure that I am legally entitled to have in writing. Please notify me within 30 days that you have deleted all late entries from my credit report. 

XXXX thanking you in advance for attending to my requests promptly Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A XXXX XXXX XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXX$270.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX- {$440.00XXXX XXXX XXXX {$10.00} XXXX {$0.00} XXXXXXXX XXXX- {$32000.00}
Product: Debt collection

Tenaglia and Hunt filed for wage garnishment against me, however I do not make enough at my job for my wages to legally be garnished. I was told by a rep of Tenaglia and Hunt I could settle my account after my employer responded to the court order. My employer told me they had responded to the court order and said they can't garnish my wages. 

A couple months later I received some money, enough that I was hoping I could settle the account. I called Tenaglia and Hunt but they told me it was still in wage garnishment and I couldn't settle it. I asked a friend of mine who is a lawyer and she called the court house and the court case was dismissed months ago, which means the card should no longer be in wage garnishment. 

At this point I no longer had the money to the settle the card.
Product: Student loan

I signed an XXXX with XXXX XXXX to help pay for the remainder of my schooling. Repayment was contractually deferred ( XXXX ). Then the handler for my repayment switched from XXXX XXXX to Launch Servicing ( XX/XX/XXXX ). Since then, Launch Servicing has broken contract by making my XXXX a student loan/debt instrument. Also, Launch Servicing took me out of contractual $ XXXX monthly payments ( XXXX ) and created a seemingly random number for me to pay each month. By contract, I did not have to make these payments and was not expecting to. 

Then Launch Servicing began harassing me with multiple phone calls and emails every day. I did my part by providing all the information requested, but just wanted money from me that I did not contractually owe. Next, they threatened to degrade my credit score unless I back-paid this money. I was pressured into paying after they told me my score would be severely degraded in XXXX of XXXX I asked if my record would be clean and reflect so on my credit score, to which they verbally agreed it would. I paid ( XX/XX/XXXX ), but no mention of this XXXX ever showed on my credit report. I then stopped paying again, as I was contractually not supposed to be paying. 

However, the harassment for more payments continued. I expressed this was harassment, and they stopped. Then last month ( XX/XX/XXXX ), they reported missing payments as far back as early last year when they first started harassing me, even though they stated my account and reporting would be in good standing. I have tried to dispute this with XXXX ( the only credit bureau reporting on this ) as there was so much misinformation on what was reported, and it still shows on my credit. This took my credit score down substantially and is all based on false information. Lastly, Launch Servicing has since threatened that XXXX XXXX XXXX will now make the entire unpaid balance due and payable with the account defaulting. 

I've been in contact with a team of lawyers throughout this process and have been proceeding as suggested. According to them, there are many FDCPA violations here. This is why I am filing a formal complaint with CFPB and the XXXX XXXX. If you would like any specific material related to this complaint, please ask and I will gladly provide it.