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

Equifax had a data breach which means everything on my consumer credit report was breached. Please remove these items from my report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I engaged with a woman who was selling an expensive piece of used XXXX XXXX on a XXXX site. Wary of scams, I had a phone call with this woman, XXXX XXXX XXXX ( XXXX and XXXX ) and asked for and received additional information from her including video, pictures of the equipment and warranty information. We had trouble with XXXX ( see photos attached ) and I paid {$3000.00} through XXXX to XXXX XXXX ( XXXX ). The woman acknowledged receiving the funds than ghosted me. I never received the equipment. I contacted my bank, California Bank and Trust and opened a fraud claim with XXXX. The first response from XXXX was inconclusive. I then contacted their fraud department weeks ago and have heard nothing. I also filed a report with the FBI. 

Another XXXX member contacted me and told me this same person stole money from them as well ( see attached ). 

Please see attached files of some of our correspondence, including accounts this person uses. I also called and left message on her voicemail and emailed her to no avail.
Product: Checking or savings account

I followed an advertisement to get a {$100.00} advance on my benefit check. I did this on the internet. The company name was Albert. I followed the prompts and before I knew it they set up a {$10.00} withdrawal from my account to set up a savings account with them. They sent me an email saying they were going to take {$10.00} out every week. I tried to cancel the account but found out there is no way of doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/2022 I called One Main Financial. I stated to them I was at a place to pay off the debt I owed in the amount of {$7700.00}. A lady name XXXX ( ID # XXXX ) told me that the debt was sold to XXXX XXXX XXXX and that One Main Finanical did not have my vehicle title. I called XXXX XXXX XXXX and they asked me did I want to pay the debt. I told them before I paid the debt back that I needed to see verification/validation of the debt and my vehicles title before I paid. XXXX XXXX XXXX is saying they don't have my title that the original creditor does and One Main Financial is saying the collection agency XXXX XXXX XXXX. This has been a merry-go-round for the past month. No one can answer questions, no one can provide proper documentation. I went to the XXXX and a paper showed me that One Main Financial was technically still the lien holder. I really need your help!
Product: Credit reporting

There is a report of collection for {$100.00}. The debt collector is listed as XXXX XXXX. The original Creditor is listed as XXXX and XXXX XXXX. I have not had an account with this creditor, and have never received literature regarding this debt from the original creditor or the collection agency listed.
Product: Credit card

Date : XX/XX/year> XXXX Action taken by Bank of America : Resolved the dispute in favor of the merchant despite the evidence I provided which contradicted XXXX 's provided information. Showing the charge was unauthorized and I didn't receive any form of service from XXXX.
Product: Checking or savings account

On XX/XX/2023, Chime Bank closed my account due to bitcoin deposits. They wanted to know where the funds originated from and I explained to them that i am a trader. I trade crypto currency like bitcoin and etherem. They wanted w2, for the deposits and I explained that I do not receive them because the money was earned from this trading year. They closed my account and stole the money i had remaining in their. They are lying to me and telling me my balance is 1 , when I had over {$500.00} in the account before it was closed.
Product: Debt collection

LVNV Funding accessed my consumer report without my permission and furnished an alleged debt to the consumer reporting agencies. I did not give LVNV Funding permission to contact me through any medium. LVNV is in violation of the FCRA, FDCPA, and several other laws. LVNV does not have the legal authority to furnish any information about me to any consumer reporting agency. LVNV has not provided me with any documentation proving that I have or ever had a contract/agreement with LVNV Funding, nor have they provided me with proof of a Purchase Agreement demonstrating that they have legal ownership, legal interest, or legal authority to collect the alleged debt. THIS ALLEGED DEBT IS DISPUTED. Their activity is a violation of Consumer Protection Act and others. LVNV Funding is causing me emotional distress. I am losing sleep and I am stressed out.
Product: Credit reporting, credit repair services, 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 : # XXXX, XXXXXXXX : # XXXX, XXXX XXXX : # 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 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My lease is almost up on my truck which is a XXXX XXXX XXXX. I am in the market to lease another vehicle. In doing so the company that I have my current lease with pulled my credit & I was denied because my score was a XXXX from a company that I have never heard of, & that Im sure has completely wrong information. 1 of the main reasons for my score being so low according to them is because of limited history with my phone number. I have 24 credit cards & every card company has my same phone number that Ive had for the last 10 years. The name of the company is SageStream , LLC & not only are they ruining my life, but they are ruining the lives of many others that have similar complaints about them online as well. They Need to be stopped!
Product: Credit reporting or other personal consumer reports

this account XXXX account XXXX and discover account XXXX is not my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these items with all three credit bureaus. I sent the disputes off by certified mail.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing concern related to the Fair Credit Reporting Act ( FCRA ) and the serious violations committed by XXXX XXXXk. Specifically, I have been reported as delinquent by XXXXXXXX XXXX, and it is crucial that this issue is rectified without delay. 

Under 15 USC 1681 Section 602, my right to privacy has been egregiously breached by XXXXXXXX XXXX as they have reported me as delinquent without adhering to my instructions under an open-end consumer credit plan. This violation is further highlighted by

15 USC 1681 Section 604a Section 2, which explicitly underscores the importance of safeguarding consumer privacy. Furthermore, per 15 USC 1666b, a cr
editor such as XXXXXXXX XXXX  is prohibited from treating a payment on a credit card account as late for any purpose without proper adherence to the terms of the open-end consumer credit plan. The reported late payments are a direct violation of this statute. 

I am disappointed by the significant delay in resolving this matter, particularly in relation to my Experian, XXXX, and XXXX credit reports. I urgently request these bureaus to prioritize this dispute, conduct a thorough investigation, and promptly rectify the inaccuracies on my credit report caused by XXXXXXXX XXXX 's violations of the FCRA. 

Your immediate and decisive action in resolving this matter on my Experian, XXXX, and XXXX report is not only anticipated but also greatly appreciated. I trust that you will address this issue with the urgency and seriousness it deserves. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Requested the following information from tek collect. They failed to provide the information.

am writing in response to your communication regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request that you provide full validation of this debt, including : 1. Proof that you have the legal right to collect the debt, including a copy of the original creditor agreement that grants you authority.

2. A detailed accounting of the alleged debt, including a breakdown of the principal, interest, and any additional fees.

3. A copy of the original signed agreement between myself and the original creditor, proving I have a legal obligation to pay this debt.

4. Verification of the statute of limitations for this debt in my state, including the date of last activity.

5. Proof that this debt has not been paid, settled, discharged, or otherwise resolved.

6. Your debt collector license number and authorization to collect in my state, as required by state law ( if applicable ).

7. The name and address of the original creditor, as required under 15 U.S.C. 1692g ( a ) ( 5 ).
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX  XXXX, XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on SYNCB/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.
Product: Credit reporting

Experian is reporting an account ( the only bureau of the XXXX major ) for XXXX XXXX / XXXX XXXX XXXX as delinquent in 2015. The store is not even in existence. It closed years ago. I paid off and settled the account 5 years ago. They continued to show late payments as early ago as last year. They do show it was settled but they have the wrong dates and the wrong status after. This is hurting my ability to get a home loan and it is incorrect.
Product: Debt collection

taken to emergency room, treated for immediate issues and forced to stay in hospital for 14 day against my will and threatened to call police if i try to leave. XXXX services were not given to me and i was forced to stay in a hospital room to be finally released. i had no insurance at the time and was homeless with no way to pay. filled out paperwork to have county pay the debt but i still have account for collections on my credit report and the creditor refuses to remove account.
Product: Checking or savings account

On XXXX, I received my first payroll direct deposit into my Citi Bank XXXX  Checking Account. When I attempted to transfer funds to another account, the transfer was blocked, and my account was flagged for fraud. 

I immediately contacted Citi Banks fraud department. After a prolonged wait, I spoke to a representative who asked me to verify my identity using my phone number. I provided my phone number, which I have held for over a decade on a XXXX  postpaid plan. This phone number is registered with Citi Bank and is also used for multi-factor identification on the account. It is my primary contact number with all major credit bureaus ( XXXX, XXXX, and XXXX ) and is registered with XXXX, XXXX XXXX XXXX, XXXX, and XXXX. Despite this, I was told Citi Bank couldnt verify my identity via this phone number and that I would need to wait XXXX business days for a letter by mail to proceed. 

After this call, I withdrew {$600.00} from an ATM with my account debit card. 

The next day, XXXX, I received an email from Citi Bank indicating that my ATM/debit card had been flagged for potential fraud. The email also stated Citi Bank was " unable to contact me, '' yet I had received no calls, voicemails, or texts from them. Once again, I spent a significant amount of time on the phone with their fraud department, only to be told that Citi Bank still could not verify my identity using my phone number. My only option, I was told, was to wait another XXXX business days for another letter. 

Additionally, Citi Bank has reduced my daily ATM withdrawal limit to {$200.00} per day without providing an explanation. And as of today, I am also unable to access my account online, which restricts me from monitoring my balance or viewing any transactions. 

I asked the representatives to clarify which service or system they were using to verify my phone number so that I could proactively address the issue. They refused to provide this information, making it impossible for me to rectify the problem with their flawed verification system. 

Due to these restrictions, I currently can not access my paycheck and am unable to pay my rent. The repeated delays, lack of alternative verification options, and complete lack of online access to my account have caused me serious financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( EXETER FINANCE LLC/XXXX XXXX company. I requested that they send me the written " Permissible Purposes '' document, with no response. I suffered injury to my consumer report and credit score.

15 USC 1681b states that written Permissible Purposes must be given by the consumer and no other.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX/XXXX/XXXX I submitted a dispute on XXXX XXXX and Transunion for inaccurate reporting on my credit report. I asked them to Please provide me with the facts and debt verification. They failed to submit that information to me. I asked for debt validation, instead they sent A break down of charges, which is NOT legally considered validation, They failed to send me the original contract and proof of my wet signature for the alleged debt. They sent the corrispondance on XX/XX/XXXX that the debt was validated. How is this possible? This is inaccurate reporting and damaging my credit score.
Product: Credit reporting or other personal consumer reports

I am disputing an incorrect entry on my TransUnion credit report for a XXXX account showing a debt of {$42000.00}. On XX/XX/XXXX, I sent a debt validation request to XXXX XXXX XXXX, which remains unanswered. Furthermore, I have since received a settlement letter from XXXX, a CFPB-regulated debt negotiator, confirming the settlement of all debts with XXXX in XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that this debt be removed from my credit report and that XXXX update the account status to reflect the settlement. Attachments : Debt validation request, settlement letter, and proof of payments.
Product: Credit reporting

I have disputed these accounts several times with Equifax and they always say that they are verified. How can they verify the accounts when the company ( XXXX ) reporting them ca n't verify them. I sent the company a letter asking them under the Fair Debt Collection Practices Act to provide me with the following : 1. what the money you say I owe is for, 2. explain and show me how you calculated what you say I owe,3. provide me with copies of any papers that show I agreed to pay you what you say I owe you, 4. identify the original creditor, 5. show me that you are licensed to collect in my state ; and provide me with your license numbers and Registered Agent. That company could n't provide me with anything. So, I request that Equifax remove all these accounts : XXXX from my file permanently and all credit inquiries.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XX/XX/XXXX LVNV Funding LLC Original Creditor- XXXX XXXX XXXX Dear Sir/Madam, Re : Original Creditor- XXXX XXXX XXXX Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. 

With that in mind, I would like to propose to settle this debt for {$160.00}. In return, I request that your company remove any late payments or charge-offs related to this account on my credit report. 

If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. 

Sincerely, XXXX XXXX XXXX