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

I had a XXXX XXXX  credit card account XXXX that was opened on XX/XX/2017. I missed payments and it went into delinquency, and XXXX sold this account to a collection agency by the name of XXXX XXXX. I was sued by this collection agency, although I was able to settle the debt with XXXX XXXX, in exchange for removing any bad marks from all of the credit reporting bureaus and also stopped them from taking me to court. I am no longer having anything to do with XXXX, but yet XXXX is still on my credit report, marking my current status as a derogatory account. This is affecting my credit score. I need XXXX to delete the account off from all of the credit bureaus immediately. Thank you.
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. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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: Student loan

I am trying to make my monthly payments for my federal student loans through Aidvantage. I attempted an on-time payment back in XXXX. I found out today that my payment was reversed by Aidvantage and it never processed. I tried another payment earlier in XXXX, but days later my payment was reversed again. I never requested a refund. I am trying to make my payment but Aidvantage wont let me. I have more than enough money in my bank account to make the payments, so I do not understand why I can not make these payments
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XX/XX/year> AND XXXX XX/XX/year>, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RICGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALGO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCIONS.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$8400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$7800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$8400.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/year> Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I have received my XXXX Consumer Disclosure Report and I found some incorrect information that Experian and XXXX is using to verify my disputes. The inaccurate information is hindering my ability to secure credit. Please conduct a proper investigation on the below disputes. 
I am disputing the incorrect reporting of a Bankruptcy on my XXXX XXXX Report. This Bankruptcy was Vacated/Dismissed. Dismissed Case mean that the lawsuit is closed with no Finding of guilt and the legal affect is that the Bankruptcy is deemed Void.
Product: Checking or savings account

I reached out Credit Karma after trying to access my account in which I had just accessed earlier on the same day XX/XX/year>. The agents were not helpful and simply stated that the department I needed only communicates via email, however no information on how to email them was provided. Ive never received any documents advising account would be deactivated or requesting information. I just had my refund advance of {$4000.00} deposited into my account and Ive never been in the negative. They failed to provide to me how I can retrieve my funds and if a check would be mailed to me. They basically left me blindsided and failed to provide exceptional customer service or even help the customer.
Product: Debt collection

I am filing a formal complaint against LVNV FUNDING for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws. Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt.

Furthermore, LVNV FUNDING continues to report this unvalidated debt inaccurately on my credit report. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, LVNV FUNDING is not complying with these legal obligations.

Given these violations and the harm this inaccurate reporting has caused to my credit, I am filing a formal complaint against [ Debt Collection Agency ] for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws. Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt.

Furthermore, [ Debt Collection Agency ] continues to report this unvalidated debt inaccurately on my credit report. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, [ Debt Collection Agency ] is not complying with these legal obligations.
Product: Money transfer, virtual currency, or money service

Good Morning, I tried to purchase ( 2 ) skid steers ( {$15000.00} total ) from what looked like a legit company in Florida several weeks ago. We wired the funds ourselves ( not a bank wire transfer ) and the company that I sent the funds to used the website and info from the original XXXX XXXX XXXX ( who is legit ) and hacked into their system using the false name of XXXX XXXX ( XXXX ). 

The web page is gone, phone number was disconnected the same day that I sent the funds. 

I contacted my local bank ( PNC ) fraud line reporting the incident the next day who advised contacting the local police for investigation which is done. I have been checking with the PNC Fraud center frequently, but they said the receiving bank in Florida XXXX  XXXX XXXX - hasnt responded to the PNC bank as of last Friday.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such a failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Experian has neither correct nor removed disputed items despise the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freecreditscore company took my information social security date of birth verified my identity then requested my credit card information to give me the free credit score allowing them to repeatedly charge my card with no resolve to my account it was fraudulently taking my information and that was only free to them. That is just wrong there phone number is XXXX I called spoke to XXXX but first they never say who they are just customer service or membership services then when asked he was unable to answer a simple question about who they are its fraud pure and simple
Product: Credit card

US Bank has numerous times charged my credit card account on over the limit fee of {$39.00} when it was the interest they charged which caused my account to go over the limit. This is in direct violation of CFR 1026.6 ( b ) ( 3 ( 4 ) Over-the-limit fees attributed to fees or interest. A card issuer may not impose an over-the-limit fee or charge for a billing cycle if a consumer exceeds a credit limit solely because of fees or interest charged by the card issuer to the consumer 's account during that billing cycle. For purposes of this paragraph ( j ) ( 4 ), the relevant fees or interest charges are charges imposed as part of the plan under 1026.6 ( b ) ( 3 ).. I informed the representatives of this violation and requested the over the limit fees be refunded and they refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$42000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-OPEN ACCOUNT- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

-CLOSED ACCOUNT- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$42000.00} -This is not my account.
Product: Mortgage

XXXX XXXX DBA MidWest Equity LLC obtained my SSN from a third party and pulled my credit report without my consent or knowledge prior to.
Product: Money transfer, virtual currency, or money service

I received an email from a service@paypal.com claiming I owe {$890.00} dollars for a purchase I made and to call their XXXX number if I wanted to cancel this purchase. I called the number and I was told it was a XXXX  purchase. I informed them I never made a purchase for XXXX. They asked if I had a computer or laptop so they can coach me on how to cancel. I felt suspicious and I told them I dont have anything except my phone and they hung up on me. I called again and they did the same thing. I kept calling and I think hit a nerve and they told me XXXX  XXXX dont call here any more. I just wanted to warn anyone that this is a scam. Their business phone number is XXXX. This is happening right now. Thank you
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied and was approved for a new Citi ThankYou Premier card. As part of the signup terms, I was offered XXXX Citi ThankYou points after spending {$4000.00} within the first three months of account opening. The terms clearly stated that " Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi Rewards+, Citi ThankYou Preferred, Citi ThankYou Premier/Citi Premier or Citi Prestige, or if you have closed any of these accounts, in the past 24 months. '' After quickly meeting the minimum spend requirement, I patiently waited for the XXXX ThankYou points to post to my account. However, after not receiving anything for several months, I reached out to Citi on XX/XX/XXXX to inquire about the points. I was advised that I did not qualify for the XXXX points offer because I had opened an account in the last 24 months. 

While it is true that I opened up a new Citi Rewards+ card through a product conversion, no new cardmember bonus was received for this card. Accordingly, because I did not close any Citi ThankYou accounts in the past 24 months and because I did not receive any new cardmember bonus in the past 24 months, I was still eligible for this offer. 

After escalating this issue via phone, and explaining how I clearly qualified based on the terms, I was told that my issue would be escalated and that I would hear back in 5-7 business days. I just received a letter in the mail today that special offers aren't available when an existing account in the same product has been " approved or closed '' within 24 months. 

This letter, while I imagine not with deceitful intent, completely misrepresents the terms of the signup offer which state that you are eligible as long as you have not received a bonus or closed a card. The terms on the website do not say that this also applies to account openings for which no bonus is received. A screenshot of the offer terms is attached.
Product: Checking or savings account

Here is more supporting evidence on my case with US Bank from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed public record Chapter XXXX bankruptcy dismissed reference number XXXX with XXXX by certified mail on XX/XX/2020. XXXX responded back that the item had been verified as belonging to me in XXXX of 2020 and they listed Lexis Nexis as the furnisher of the Information. I then disputed the information with Lexis Nexis and on a later date ( XX/XX/2020 ). Lexis Nexis further found the Public record info was inaccurate and it was removed from my records there. They stated they would also notify anyone they furnished that information too that it was incorrect and should not have been reported. EVER. XXXX was mentioned by name in the letter as a company they had given incorrect information too and that it would be resolved within 30 days with follow up letters. That I never received from either company. I would just simply request the information be removed from XXXX records. They are incorrect and are not mine.
Product: Mortgage

Spring Eq, sales rep XXXX XXXX  was trying to do an equity line for my house up to XXXX he promised me that, before running credit report I told him my credit score is XXXX and my wife is XXXX and that the house value was XXXX and that we owed XXXX. he told me it would be fine we could get the loan. my wife and I went to throughout the process. I even paid for the appraisal XXXX and at the end, he came up with the story that I needed XXXX and my score needed to be XXXX to get the loan. at that moment I felt scammed because the information I gave him, he was not looking for the customer best interest, the appraisal came up at XXXX, which it is a complete lie the houses based on the historical sales and same sq footage came up to be at XXXX, I asked him to disputed but he denied. I called the appraiser and even though I paid for it he denied to reconsider my petition because I was not his client. to me, this is all a XXXX scam. to pay for the appraisal and nothing will happen and getting XXXX   from the customer. please warn the customer about these malpractices made by Spring Eq and sales rep. such as XXXX   XXXX
Product: Debt collection

Kohn Law Firm has claimed I defaulted on a payment during a bank holiday when they said the payments should have been collected before or after the holiday. My check is dated for the XXXX of XXXX, which was the payment date! 

I was never informed and now they are trying to take legal action in court again without notifying me! 

I would have chosen a day earlier or later for my monthly payment date if they told me about their bank holiday practices! 

This is completely unfair to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that I do not recognize
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. 

The accounts below have 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. 

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 ) ( a ) 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. 

Delete the accounts below : HARD INQUIRY NOT AUTHORIZED BY XXXX - DATE : XXXX. 

HARD INQUIRY NOT AUTHORIZED BY XXXX - DATE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed a federal lawsuit against (5) major banks on XXXX regarding our mortgage for mortgage fraud which are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX which later was revised to XXXX XXXX XXXX and XXXX XXXX. XXXX Plaintiffs, vs XXXX XXXX XXXX XXXX XXXX, et al., Defendants ~ XXXX No. XXXX XXXX XXXX filed on XXXX XXXX XXXX IN THE UNITED STATES DISTRICT COURTFOR THE XXXX DISTRICT OF XXXX XXXX  DIVISION ~ Judge XXXX XXXXXXXX. On that very same day XXXX I requested a flag to be put on both our credit reports for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in which I precisely gave Transunion, XXXX, and XXXX the Federal Case Number XXXX XXXX XXXX to freeze and stop any derogatory credit reporting until our case would be settled in court. We won our suit and it closed on XXXX. However, all (3) credit bureaus allowed (8) credit accounts to be closed on my wife XXXX XXXX XXXX and (6) credit cards for XXXX XXXX XXXX which negatively impacted us on our credit scores with high interest rates and impossible to get loans much needed. They did all of this damage to us while we had not settled in federal court yet and the flag should NEVER have been lifted while pending matters were in federal court allowing any XXXX to report that we were up to 18 months and greater that we were behind on our mortgage payments while we were in a federal court fighting for our rights by law. This was negligence on behalf of all (3) credit bureaus to have allowed such damages to occur.
Product: Credit reporting or other personal consumer reports

The following credit card account and hard inquiries currently listed on my XXXX XXXX, XXXX and Equifax credit report is not my credit card account or hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXXMy only telephone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX + See attached documents of proof +