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

My personal information was breached because of XXXX to obtain several credit accounts and applied for several loans without my permission or authorization. I've sent XXXX, XXXX, Experian several letters in detail about the situation, and in return within an average of 2 weeks they replied and said information is verified/certified correct. Sent letter on XX/XX/2023 second on XX/XX/2023, and both times nothing was changed. I've contacted the creditors also, and of course was informed that i have to take it up with the credit bureau who is reporting the information to have it removed. How is it the creditor when asked about it can't do anything but i have to contact the for profit credit bureau to investigate, and nothing comes out of it.
Product: Debt collection

XXXX XXXX from XXXX called my office line stating I need to call him and discuss about my Cash Call account. I actually got a call from some other person about two weeks ago. When I ask for more information, they ask for my social and birth date for verification. I do not have any loans with Cash Call, so I pulled my credit report to see if someone stole my identity. I did not see any Cash Call loan on my credit also. When I told them that I do n't have any account with Cash Call, they started harassing me that they already verify my social and birth date with my employer. They also started to raise their voice and became very confrontational. I told them to stop calling my work but they keep calling back.
Product: Credit card

I used my " in case of emergency '' credit card to get a hamburger for XXXX in XX/XX/2016. I never got a bill on the mail since then. I received a letter from from them saying acct closed till paid in full. Sum XXXX. I asked forgiveness for the oversize and was told that I would be reported to the credit bureau for bad credit. I did pay for the hamburger. Not the trumped fees. Can you help me?
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. 15 U.S.C 1681 section 602 A. State
s 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 XX/XX/XXXX I joined a dating site called XXXX XXXX for one month at {$14.00}. I notice with 24 hours or less contact issues with the site deleting my information in my profile and changing what I was saying. I did e-mail the company XXXX XXXX and did receive a response back from XXXX XXXX on XX/XX/XXXX stating my account could not be cancelled. XXXX also I believe was changing and harassing members as when I complained, she sent an e-mail return with a smile face. Other people also complained as they didn't understand why and who was changing the profile information. I did call Bank of America, VISA  credit card to dispute the {$57.00} charge and told them I wanted a month membership, not 6 months. I faxed all information proving this including trouble tickets, e-mails from XXXX XXXX employee etc. Bank of America Visa credit card turn around and sent me a letter dated XX/XX/XXXX stating there was nothing more they can do. They failed to protect a customers interest and allowed fraudulent charges to be processed. I have approx. 40 pages of proof showing cancelled subscription to reactivate subscription by the company called XXXX XXXX which Bank of America has in their possession. Bank of America apparently refuses to send conformation of dispute other than saying there is nothing we can do after I spent hours faxing proof to them.
Product: Vehicle loan or lease

I have a loan with my daughter for a XXXX XXXX XXXX Recently there have been numerous problems making payments on time, due to the nature of her husbands work, covid, weather, and normal problems with clients paying their bills, but never have they been 30 days late. In XX/XX/XXXX her payment was rejected, and she had to find extra money to pay it. Payment was due XX/XX/XXXX. she was able to make the payment on XX/XX/XXXX. Also 6 days later on XX/XX/XXXX she make the XXXX payment, which was more than her required payment. 
On XX/XX/XXXX WellsFargo sent me a letter demanding immediate payment of {$2400.00} or the would begin repossession of the vehicle, or I would be forced to pay the balance. When my daughter called WellsFargo they told her only {$1000.00} was due, not {$2400.00}. so she paid the funds as I described above. 
Again it was never 30 days past due. Now I find they have added a delinquent payment 30+ days late to my credit accounts. When we spoke to them yesterday XX/XX/XXXX they were also confused why that happened and said we would have to dispute that with the credit agencies which I feel is not my job to clean up their mistakes today their online account is still showing the XXXX payment due. why??
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on 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
Product: Debt collection

See Attachments Included. This medical debt for XXXX  XXXX has been reported on my credit with a date of XX/XX/2022. I have never received any written notices in regards to this alleged medical debt for {$670.00}. I sent a debt validation letter and they only thing I received was a list of charges and a doctors name that I do not know. I never received anything with my signature on it to validate this alleged debt.I have reported this and filed a complaint as well as there other items on my credit report that is inaccurate and needs to be deleted.I have sent notices in regards to wrong names and address listed under my social security number and it has not been removed and no hard inquiries have been removed as well. I did dispute medical debt twice which the claim was verified within 2 days of submitting the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following Accounts, have 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 1681 ( 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. 1681-2 ( 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. 


I've been a victim of identity theft and never applied for any of these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This is a Company that had a diffrent interest rate that I signed and the copy I have was not legible to me at the signing of this contract. I will be sending you some paper work on the problems and how it got to this. this complaint goes against two companies. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TX XXXX XXXX, Fl XXXX The complaint is for shady lending practices and lying giving me poor contract documents that I got from these two agencies. My notes will tell you this problem and how I try to work with them but refuse to contact me in a Reasonable time frame.
Product: Debt collection

RE : DISPUTE : LVNV Funding LLC/ XXXX XXXX XXXX XXXX XXXX ID : XXXX Previous Balance : {$680.00} Account : XXXX account XXXX To whom it may concern : I am writing this letter to DISPUTE : LVNV Funding LLCXXXX XXXX XXXX XXXX XXXX I have called LVNV Funding LLC and spoke with XXXX XXXX at XXXX at XXXX on XX/XX/XXXX to make a settlement offer with good faith to close this account. After speaking with XXXX XXXX of my financial situation she agreed to accept the amount of {$400.00} as a full balance of the account and in addition agreed to delete the account on my credit reports. She also stated in approx. 14 days I will receive a letter confirmation that the account was settled and within 30 days the account will be delete it from all credit reports. After two weeks I received a letter dated on XX/XX/XXXX received on XX/XX/XXXX with the full balance of {$680.00}. 

I have sent a letter via fax on XX/XX/XXXX letting them know that this account has been settled and that I am still waiting for the letter. I have also let them know that this balance of {$680.00} should be an error. 

Today I checked my credit report in my XXXX account ( Through XXXX ) and LVNV Funding LLC is back reflecting with a balance of {$280.00}. 

I felt defrauded and scammed. They lied to me. I want to make a complaint and make a report these fraudulent practices they have done to me and who knows how many people out there looking for a relief like me in these difficult times when through something like this. They did not keep they're word by sending me a letter that this account has been settled and delete this account as we agreed over the phone. 

Please see proof of email payment for the amount of {$400.00} confirming the day, time that this account was PAID and was processed when I was negotiating with them. In addition to the letter letting them know that I'm still waiting from them a letter confirmation that this account has been settled by agreement. There information is not accurate and is actually a violation of the FTC. This account should not be reflecting on my credit report as they agreed to delete the account and accept the payment of {$400.00} as a full balance payment but they did not keep the promise as agreed. In the top of this I am unemployed and they knew it. 

This account should be delete it on all of my credit report and I want a letter via mail with the agreement that this account is settled for the amount of {$400.00} as they agreed and that the account have been deleted from all credit reports. 

I appreciate it all your help on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/2015 XXXX XXXX XXXX  appeared on my credit report with a balance of {$870.00} I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been deleted from experian but is somehow still being reported by you im aware that 15 USC 1681i states that if an item is deemed to be inaccurate or incomplete then the credit reporting agency shall delete and notify the data furnisher and creditor. If XXXX notified you that these items or inaccurate or incomplete how are you still reporting this information? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Show me the information that was provided to you by the data furnisher that made you determine that this is an accurate account since those accounts were deleted by XXXX or if you cant provide information please delete those accounts.
Product: Money transfer, virtual currency, or money service

XXXX find the following illegal chargeback from a sender who paid me the rental deposit of {$400.00} but filed a chargeback after a few months and she is still living in the apartment. Venmo continued the chargeback by taking the money away from my Venmo account to her account after I sent Venmo the lease agreement and all electronic communications with the sender who acknowledged in the communication that the chargeback was false. This made no sense and had no Customer protection at all since fraudulent chargeback can happen by anyone for any reason. I cant imagine that this can happen so easily for someone to steal money from us and there was no justice at all. 

Update on your Venmo case Dispute ID : XXXX Transaction amount : {$400.00} USD Disputed amount : {$400.00} USD Transaction date : XX/XX/2022 Sender name : XXXX XXXX XXXX XXXX of your senders opened a case for this transaction. This means the sender has asked their financial institution to reverse the money for this transaction. We want to help you, and we are disputing this case with your senders financial institution. 
Because of the following reason ( s ) : This transaction was not marked as eligible for Purchase Protection. 
an amount of {$400.00} USD has been debited from your Venmo account during case filing and you will not be debited again. 
We understand that you may not have been expecting this chargeback. If this debit has caused your Venmo account to go negative, please log in to your Venmo account and add money to your account by visiting venmo.com/addfunds. 
If the financial institution decides the case in your favor, we'll notify you when the payment is returned to your Venmo account. 
We'll email you if we need any further information from you. 
Thank you for using Venmo.
Product: Debt collection

I received a Notice of Writ on Garnishment & a Continuing Writ of Garnishment Against Salary or Wages. The final judgment against me was obtained on XXXX XXXX, 2004. I am in Florida and the Statute of Limitations is 7 years. To protect myself I am filing a Head of Household Claim of Exemption & Request for Hearing in XXXX County Court today. I have done research on the Plaintiff, XXXX XXXX and have found many complaints and class action lawsuits against them for illegal and unethical practices. I am very concerned about this as I am supporting a XXXX year old child on less than {$XXXX} a week net and my employer has begun withholding 25 % of my net pay until the hearing is held and my exemption is ruled on. This company at XXXX time froze a bank account that received direct deposit for child support and my minor child 's XXXX, while I was unemployed and a student, which is illegal!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I AM FILING THIS CFPB COMPLAINT TO REQUEST PURSUIT FCRA 605B ( 15 U.S. Code 1681c2 ) THAT YOU THE EXPERIAN REPORTING AGENCY BLOCK INFORMATION ON MY CREDIT REPORT THAT IS AN RESULT IN IDENTITY THEFT AND FRAUD WITHIN 4 DAYS OF YOU RECEIVING THIS COMPLAINT. I HAVE SEVERAL ACCOUNTS ON MY REPORT SUCH AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS HAVE ADDED FRAUD ACCOUNTS AND ALSO INQUIRIES SHOWING ON MY CONSUMER FICO CREDIT REPORT.
Product: Credit card

The Following companies, Equifax, XXXX, XXXX, XXXX, XXXX, are in possession of my stolen credit card ( 15 usc 1602 ) personal social security account information, absent my knowledge, consent and/or agreement ( 15 usc 1692c ). I have forwarded an opt out demand, verification disclosure, cease and desist communications letter to the aforementioned, identifying the identity theft accounts. Equifax, et al, has failed and/or refused to implement a block, within four days ( 4 ) per 15 usc 1681c-2 to avoid further damage from use of identity theft accounts. Social Security Card bearing stolen identity theft accounts is attached to uploaded files
Product: Credit reporting, credit repair services, or other personal consumer reports

I wish to file a complaint to CFPB AGAIN as my rights have been violated under the FCRA Law and fair credit and billing Act and HIPPA Privacy law. I have been trying to resolve these issues with Transunion and have not heard back. I have continued to receive unwanted call from this company. I have requested Transunion to disclose what right the companies have under the fair credit and billing act to collection. I have not heard back. On XX/XX/2015, I contacted the credit bureaus to request a full validation of these accounts the person was rude and not helpful, so I decided to file a complaint with CFPB. I have no knowledge of this account. XXXX XXXXXXXX Opened XXXX {$240.00} ) I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. Based on my research these accounts have been sold to 3rd party collection at a much lower rate. I need to see this contract too. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable. Please do what is necessary to validate these accounts in a timely manner.
Product: Debt collection

I submitted a dispute about my balance XX/XX/XXXX for American Express. On XX/XX/XXXX, I received a letter from American Express stating that " We are unable to locate the American Express account since it has been purged from our records, we have requested that the reporting agencies delete all info pertaining to the account from credit report. '' I waited a few months, each month American Express would continue to report derogorities on my credit report, thus lowering my score. Finally I disputed with the credit bureaus on XX/XX/XXXX with the letter from American Express as evidence. As on XX/XX/XXXX, nothing has changed, American Express is still on my report and reporting negatively each month.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

Late Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Reference # TELE RECOVERY OF LO Number # XXXX ( Open dateXXXX ) Amount {$710.00} NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Credit Collection Service I XXXX XXXX XXXX XXXX a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g . I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF ALL DOCUMENTS LISTED UNDER REGULATION F 1006.18 ( e ) PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, CEASE ANY CREDIT BUREAU REPORTING UNTIL DEBT HAS BEEN VERIFIED BY ME! HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease and desist all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 U.S. Code 6802 ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.