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

I TRIED DISPUTING THIS ACCOUNT ON MY CREDIT REPORT FOR THE LAST 8 TO 9 MONTHS AND STILL NOTHING HAS BEEN DONE ABOUT THIS. EXPERIAN HAS NOT DONE ANY KIND INVESTIGATION ON MY DISPUTE WHAT SO EVER AND THEY ARE ALLOWING XXXX XXXX TO DO WHAT THEY WANT. THIS ACCOUNT FROM XXXX XXXX  WHICH IS ON MY EXPERIAN CREDIT REPORT SINCE XXXX OF XXXX IS ILLEGAL INTERNET PAYDAY LOAN AND I WILL SHOW DOCUMENTS TO SHOW ON MY BEHALF. UNDER THE FAIR CREDIT REPORTING ACT I THOUGHT THAT IF YOU DISPUTE SOMETHING ON YOUR CREDIT FILE I THOUGHT EXPERIAN INVESTIGATE EVERY CLAIM THAT A CONSUMER MAKES BUT RECENTLY NOTHING HAS BEED DONE. I AM DISPUTING THE FOLLOWING INACCURATE INFORMATION YOU ARE REPORTING WITHIN MY CREDIT FILE PURSUANT TO THE FAIR CREDIT REPORTING ACT. I GOT A LOAN FROM XXXX XXXX  OVER THE INTERNET IN XXXX OF XXXX. THE INTEREST RATE CHARGED ON THE LOAN IS MORE THAN 12 % APR. AFTER GETTING THE LOAN I LEARNED THAT VIRGINIA LAW PROHIBITS ANY COMPANY FROM MAKING SUCH LOAN TO VIRGINIA IN EXCESS OF 12 % APR UNLESS THAT COMPANY HAS OBTAINED A CONSUMER FINANCE LICENSE FROM THE VIRGINIA STATE CORPORATION COMMISSION. SEE VA CODE SECTION 6.2-1501. XXXX XXXX   DID NOT HAVE A CONSUMER FINANCE LICENSE WHEN THEY MADE THIS LOAN AND THEY NEVER HAVE HAD SUCH A LICENSE. THE VIRGINIA ATTORNEY GENERAL SUED XXXX XXXX  FOR MAKING UNLAWFUL LOANS IN VIRGINIA I HAVE COPY OF THE LAWSUIT ATTACKED.. UNDER VA CODE SECTION 6.2-1541 IF A LENDER WAS NOT EXEMPT FROM THE PROVISIONS OF THOSE STATES AND WHO HAD NOT OBTAINED A CONSUMER FINANCE LICENSE, CONTRACTED TO MAKE A CONSUMER LOAN AND CHARGED CONTRACTED FOR OR RECEIVE INTEREST OR OTHER COMPENSATION IN EXCESS OF 12 % PER YEAR THE LOAN WAS AND IS NULL AND VOID AND THE LENDER IS NOT ABLE TO COLLECT, OBTAIN OR RECEIVE ANY PRINCIPAL INTEREST OR CHARGES WHATSOEVER ON SAID LOAN. I WANT THIS TRADE LINE REMOVED FROM MY ACCOUNT IMMEDIATELY. PLEASE IMMEDIATELY REMOVED THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT. PLEASE FORWARD THIS LETTER AND ANY ATTACHMENTS TO THE CREDITOR LISTED ABOVE AND ASK THIS TIME TO VERIFY THAT WHAT I SAID IS ACCURATE. IN ADDITION PLEASE REQUEST THAT THE CREDITOR ABOVE SEND YOU A COPY OF ANY OTHER SUPPORTING DOCUMENTS TO PROVE THAT WHAT I AM SAYING IS ACCURATE. I DEMAND THAT YOU INVESTIGATE MY CREDIT FILE AND DELETE THE INFORMATION THAT I HAVE NOTED ABOVE. WHEN YOU HAVE COMPLETE YOUR INVESTIGATION PLEASE SEND ME A COPY OF MY CREDIT REPORT AFTER MY DISPUTED.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter in regards to inaccurate and unknown things on my credit report. To this day over 45 days later I have yet to receive a response. I feel Im being ignored and taken advantage of. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days is reason to immediately remove those items from my credit report it has 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 youve caused me. My information was also impacted by the XXXX data breach and may have landed in the wrong hands.
Product: Debt collection

XXXX XXXX Hospital sent a bill that was paid by insurance to collections. I reached out to XXXX XXXX Hospital via phone on XX/XX/2019 in regards to this matter. XXXX XXXX- director of risk management, followed up via email, and is the person who investigated this issue and found that the bill had in fact been paid by insurance. The representative from XXXX XXXX Hospital confirmed that the amount owed was {$0.00}. I was told by email that the account would be withdrawn from the collection agencys list and would be closed out of their billing department. 

I contacted Equifax twice providing them the correspondence and documents stating their was no amount owed for the medical bill because it had been paid in full by insurance. However, Equifax negligently kept this report on my credit record causing reached out to XXXX XXXX Hospital via phone on XX/XX/2019 in regards to this matter. XXXX XXXX- director of risk management, followed up via email, and is the person who investigated this issue and found that the bill had in fact been paid by insurance. The representative from XXXX XXXX Hospital confirmed that the amount owed was {$0.00}. I was told by email that the account would be withdrawn from the collection agencys list and would be closed out of their billing department. 






XXXX XXXX Hospital sent a bill that was paid by insurance to collections. I reached out to XXXX XXXX Hospital via phone on XX/XX/2019 in regards to this matter. XXXX XXXX- director of risk management, followed up via email, and is the person who investigated this issue and  found that the bill had in fact been paid by insurance. The representative from XXXX XXXX Hospital confirmed that the amount owed was {$0.00}. I was told by email that the account would be withdrawn from the collection agencys list and would be closed out of their billing department. 

I contacted Equifax twice providing them the correspondence and documents stating their was no amount owed for the medical bill because it had been paid in full by insurance. However, Equifax negligently kept this report on my credit record causing great damage to my credit record and costing me hundreds of dollars more on an auto loan because of this false report.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all LVNV Funding is NOT even licensed in Florida as a collection agency. They are illegally attempting to collect an alleged debt, which is a major violation of my consumer rights. I have attached the list of LVNV licensing where FLORIDA is NOT listed.

LVNV Funding also lost a class action settlement by using unlawful collection lawsuits in Illinois. They manage purchased accounts and collect alleged debts. They continue to violate debt collection laws LVNV Funding has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for this Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft. 

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, XXXX, XXXX and LVNV Funding " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft.

I have contacted the Attorney General 's Office, XXXX  and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Product: Credit reporting or other personal consumer reports

I am submitting in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX  XXXX XXXX Balance : {$190000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$39000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX XXXX Balance : {$3400.00} XXXX, XXXX XXXX Balance : {$570.00}
Product: Student loan

On XX/XX/XXXX submitted XXXX application and received a note that will have update within 7-10 business days which would put me prior to my due date of XX/XX/XXXX. I have not heard anything to date, my payment remains to be too high, and I resubmitted another application after continually reaching out. This will effect my credit rating which is a major problem! Company has yet to respond!
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection account is reporting as OPEN.

. According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt
Product: Debt collection

I had made arrangements with a capitol one cc that I owed. I have made my payments@XXXX/mo that was XXXX more than agreed. Capital one apparently went against their word and had a judgement put against me in which I was never notified in any way. I just found this out on line and it was done in XXXX CT court. I was not notified and given my rights to defend myself. Now due to only collecting social security I am Far below the poverty limit. I feel this case should be reopened to where I am entitled to my federal and state law rights.I did put a dispute in with XXXX but they like always they are known to favor the company that is a hard known fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX( Return Receipt # XXXX ) Experian received my correspondence demanding they stop the illegal reporting of erroneous accounts on my Experian credit report. I never gave Experian permission to furnish my reports, Pursuant 15 USC 1681b. Furthermore, for Experian to share my information without my consent is aggravated identity theft. Experian broke the law and illegally updated the inaccurate accounts per Report number 1541-8051-10. Pursuant 15 USC 1681b ( A ) ( 2 ), I want to exercise my right as a consumer and demand deletion of these inaccurate accounts as my written instructions. Wilful compliance will result in seeking legal action.
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  XXXX : Account XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 my 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 60 days 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 XXXX XXXX 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 8
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report regarding an account with XXXX  ( Account # XXXX ) *. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported is accurate and complete. After reviewing the details of the account, I have identified several discrepancies that require your prompt investigation and correction. 

Details of Discrepancies 1. Inconsistent Reporting Dates : The Date Reported field varies between the credit bureaus : XXXX lists XX/XX/XXXX, XXXX lists XX/XX/XXXX, and Equifax also lists XX/XX/XXXX. Reporting dates should be consistent if the information was updated simultaneously. 
Action Requested : Please verify the correct reporting date and ensure consistency across all credit bureaus. 
2. Missing Payment History ( XXXX ) : XXXX does not include any payment history for this account, while both XXXX and Equifax show missed payments from XX/XX/XXXX to XX/XX/XXXX. A complete payment history is essential for accuracy and compliance with the FCRA. 
Action Requested : Confirm why payment history is missing for XXXX and update the report to reflect the accurate payment record. 
3. Charge-Off Status and Timeline : The account was opened in XX/XX/XXXX, yet it reflects a charge-off as early as XX/XX/XXXX. Given the short timeline, this raises questions about whether the charge-off was processed correctly. Secured loans typically involve collateral, and the creditors policies should align with industry standards for charge-off timing. 
Action Requested : Please verify the timeline for delinquency and confirm whether the charge-off was applied accurately according to the creditors policies. 
4. Credit Limit Reporting : The account lists a credit limit of {$0.00} for a secured loan. This is inconsistent with how secured loans are typically reported, as the limit should reflect the loan or collateral amount. 
Action Requested : Confirm and update the credit limit to accurately reflect the loan terms. 5. Dispute Status : The repo
rt indicates that the account has not been disputed, yet this information is under review. If any previous disputes were filed, this status should reflect that history. 
Action Requested : Confirm and update the dispute status if prior disputes were initiated.

Action Requested I respectfully request that you : 1. Investigate the discrepancies outlined above and verify the accuracy of the information with the creditor ( XXXX ). 
2. Provide me with an updated credit report reflecting the corrected and complete details.

3. Inform me of the results of your investigation within 30 days, as required by law.

I have enclosed a copy of my identification and a copy of the relevant credit report for your reference. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a consent form to run a background check to qualify my for a rental house for me and my family the report came back and it was clear that it was not me the company refused to do any research to clarify the situation. 
I am a US XXXX  with a credit score of high XXXX 's and i have XXXX XXXX on the highest level. This company refused to take any steps to correct their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts ( student loans ) are not mine, these are not my accounts i have never inquired any student loans, i have been disputing these items but equifax has not been helpful, please find attached my police report which also has been provided to equifax few times, please have equifax remove these inaccurate student loans. 
thank you
Product: Debt collection

Received first notice of alleged debt on XX/XX/2024, from Rausch Sturm LLP. Responded via mail with debt verification and debt dispute notice on XX/XX/2024. Received second letter on XX/XX/2024, stating they are willing to talk about services provided. Firm did NOT send any verification information about debt or if they legally owned stated debt. Sent second debt verification notice to firm, again requesting validating information about alleged debt on XXXX XXXX, XX/XX/2024 

XXXX XXXX, XX/XX/2024, received notice of legal action filed on XXXX XXXX, XX/XX/2024 from Attorney XXXX XXXX XXXX, allegedly associated with firm. Legal paperwork issued had limited information about alleged debt, did not include original agreement between original two parties or other verification information. Listed Attorney of record on subpoena is XXXX XXXX, associated with firm. 

Sent Email to all parties about original debt dispute on XXXX XXXX, XX/XX/2024. Received response only from XXXX XXXX stating " Thank you for your email. I've escalated this matter to the dispute team. '' on the same day. 

There has been nothing further from any party involved with the Rausch Sturm firm. I believe they have violated FDCPA by not providing any debt verification information at any time during this dispute, by filing legal action while I specifically disputed this alleged debt collection.
Product: Debt collection

I attempted to pay someone {$900.00} with my paypal account, but I had the wrong bank account linked to paypal. The funds in the account were not sufficient. 

Instead of declining the transfer, paypal paid the recipient, I was charged an overdraft fee and then paypal created a debt of {$900.00} on my account. 

My account was moved into the collections process. They attempted a debit again and I was charged another overdraft fee. I contacted paypal because it was not clear they actually paid my recipient. After confirming that was the case, I moved money into my linked account and started the transaction to pay paypal. 

While this transaction was pending, paypal continued to debit my account for {$900.00} ( in addition to my pending transaction ). This new sum was not in my account as the {$900.00} I initiated a transfer for was already removed but has not yet settled at paypal. Because of this, I have continued to accrue overdraft fees. Why would paypal run automated debits on an account that has a pending transaction? 

Also, I followed the instructions on both the paypal site and the instructions provided by customer service. They told me to add funds via the paypal UI. If this was the case, they should have suspended the automated debit process because I am being double debited while my transaction is pending. 

I would like to be refunded my overdraft fees because of these aggressive collection practices. They should not be debiting account that have pending transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota XXXX Toyota financial services has reported incorrectly a 30 day late pay for XX/XX/XXXX. I advised the company that my credit report shows a 30 day late for both XXXX and XXXX and I was initially advised that the XXXX late payment was incorrect as the payment posted on XX/XX/XXXX and that It would be researched. Research was completed and I was advised the credit reporting is correct and it reports 30 days behind meaning that my XXXX and XXXX payment were past due. I was always under the impression that credit reporting reflects current date and not 30 days behind. my XXXX payment was deducted from my account on XX/XX/XXXX, XXXX payment on XX/XX/XXXX.. XXXX payment was indeed past due with XXXX payment postin XX/XX/XXXX ... my payments are due on the XXXX of each month. I was then advised my the rep that it was difficult to see when the payments actually posted because of the late payments. this is the second time I have had an issue with the Toyota reflecting on my credit report incorrectly and that time they also initially indicated there was no error. please help.
Product: Credit reporting

I am dealing with identity fraud where the person has put an address on my credit report. So far i 've had XXXX inquiries on my experian account despite freezing my line.
Product: Credit reporting or other personal consumer reports

Credit bureaus received my dispute letters on XX/XX/XXXX and still have not replied back. By law they have 30 days, I have sent in a Demand to Comply letter to the credit bureaus and still not response back. These negative items are negatively affecting me and causing me a hardship and will need these items removed ASAP due to not response from the bureau. I have attached the Demand to Comply and the Dispute letters that were sent out to this claim.
Product: Checking or savings account

JPMorgan Chase Bank have restricted me from my debit card and i no longer have access to view any of my accounts, notices, letters or statements. I have several refunds and credits going into those accounts, and I need to be made aware if they will be shipping those funds to me through mail or not. This has been nothing but trouble and frustration dealing with this bank. They have charged me over {$600.00} in overdraft fees which I have had to call in and complain about because they post transactions late intentionally to incur these fees.