23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Today, XX/XX/XXXX I called in to speak to my "Assigned Rep" for a personal loan I applied for online first with this company. In speaking to the rep named, XXXX XXXX, she denied me the opportunity to submit my application to underwriting where they can review my credit and income documents. She said "you are denied and you are wasting your time" and kept insisting I use a vehicle or some other sort of collateral instead. I again mentioned that I would like to proceed with my application for the personal loan since you pulled a hard inquiry on my credit and she did not allow me any opportunity to move forward on my application and denied me the opportunity to review any of my income documents or anything else. I feel like I did not have an equal credit opportunity and was discriminated against by the rep specifically.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account : XXXX XXXX {$5800.00} Open On XX/XX/XXXX Account : XXXX XXXX {$250.00} Open On XX/XX/XXXX Account : XXXX. XXXX XXXX {$560.00} Open On XX/XX/XXXX Account : XXXX XXXX {$820.00} Open On XX/XX/XXXX Inquiries-XXXX XXXX XXXXXXXX XXXX On XXXX XXXX XXXX XXXX XXXX On XXXX XXXX XXXX XXXX  is a Closed/Charge Off Account and it should not be any activity once the account is closed. XXXX and Equifax are still reporting Late Payments on a Closed Account On My Credit Report. It also have 3 different dates and two different years for day of last activity. 

XXXX XXXX is Closed/Charge Off Account and Comments Say XXXX and Equifax Disputed By Consumer. Also on XXXX Date does not match, It is two different years for the day of last activity. XXXX XX/XX/XXXX... Equifax XX/XX/XXXX... XXXX XX/XX/XXXX. XXXX Open Date XX/XX/XXXX -- XXXX Last Activity XX/XX/XXXX Is not accurate, how can a account date Last Activity come before opening up account. 

XXXX. XXXX is a Closed Account and Still reporting negative on XXXX, it shouldn't be any activities once account is closed. It has two different years the date of last activity XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX  Is A Closed Account On XXXX and the Comments Say Account Information Disputed By Consumer. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1692C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on TransUnion, Here is my tracking number : XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a-Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to obtain a credit card from PayPal through XXXX.I never applied nor would I.Iwrote a letter to PayPal to send a letter of Deletion to XXXX but after a month was told they were not able to comply because they use XXXX XXXX XXXX to do credit checks and the bank is responsible for all credit from PayPal. I contacted the bank and they said it was not their responsibility to resolve PayPal disputes.XXXX was very hard to reach and  said they could not help me without The Letter of Deletion from PayPal The date I was first aware of the fraud was XX/XX/XXXX,2017.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 XXXXXXXX
Product: Debt collection

I was contacted by XXXX  on XX/XX/21 ( SUNDAY ) through an EMAIL from an agent named XXXX XXXX, then I sent a reply that my name is being fraudulently misused and then I received an email on XX/XX/21 from an agent named XXXX XXXX. ( Last name was not mentioned other than the initial XXXX ), that stated : Taken from the FTC Fraud Affidavit and meant to help with the investigation. Please answer as many as you can and attach any supporting documentation. 
Please provide your full legal name, date of birth, drivers license number, current address, and the date you first lived at that address. 

Please provide information about the fraud ( like when you first discovered it, when you reported it to authorities or others, details about other frauds committee using your personal information ). 

If you know the name of the person who used your information or identification documents to open new accounts or use your existing accounts or otherwise commit fraud please provide their name, address, phone number and any other information about the crime ( like how the identity thief gained access to your information ). 

Attach any police report, government ID containing your signature, or other document that you believe would be relevant. 


If you prefer, you can mail this information to XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, but I did not. Also, XXXX XXXX. had the original address : XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, that XXXX XXXX used for XXXX  on XX/XX/21 BUT she also enclosed another address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX, within the email Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters since XX/XX/2022 to XX/XX/2022 with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the remaining unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit card

I have been XXXX for XXXX and XXXX Since XX/XX/XXXX thru XX/XX/XXXX These account where not suppose to be open in my name
Product: Debt collection

Dear CFPB Complaint Department, I am submitting a formal complaint against Kikoff Lending LLC due to its failure to comply with federal regulations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. This company is reporting false and unverifiable information on my credit report, causing severe damage to my financial reputation and blocking my access to necessary credit. Furthermore, Kikoff Lending LLC has ignored my legal rights by failing to validate the alleged debt as required.

Complaint Background : Kikoff Lending LLC has reported a debt on my credit report without substantiation. In accordance with FCRA requirements, I have repeatedly attempted, including through certified mail, to obtain proper documentation and validation of this debt. Kikoff Lending LLC has not provided any proof directly linking me to this debt, nor have they responded appropriately to my requests, which is a clear violation of FCRA and XXXX compliance standards. 

Specific Violations : Failure to Validate Debt : I formally requested that XXXXikoff Lending LLC provide documentation proving that I am legally responsible for this debt, including any original signed agreements or contracts. Kikoff Lending LLC has failed to produce such evidence within the required 30-day timeframe.

Obstructive Practices : Kikoff Lending LLC has employed obstructive tactics, including providing incorrect contact information and refusing to engage in any dispute resolution process. These actions are clearly intended to deter consumers from exercising their rights under the law. 
XXXX XXXX XXXX : Despite having no substantiated validation, Kikoff Lending LLC continues to report this alleged debt to the credit bureaus. This act violates FCRA mandates and has caused a substantial and undue impact on my credit score, financial standing, and ability to obtain essential credit.

Request for Immediate Action : As Kikoff Lending LLC has not complied with FCRA requirements and can not substantiate this alleged debt, I am requesting that the CFPB take immediate action to have this invalidated debt removed from my credit report within 30 days. I also urge the CFPB to investigate Kikoff Lending LLCs practices to ensure compliance with both FCRA and FDCPA regulations to prevent further consumer harm. 

Next Steps : XXXX XXXX XXXX XXXX fail to take action on this matter or if the invalidated debt is not removed within 30 days, I will pursue all necessary legal remedies. This includes seeking compensation for the undue stress, financial harm, and hardship caused by their actions, as well as filing additional complaints with the Federal Trade Commission ( FTC ), relevant state agencies, and the XXXX XXXX XXXX XXXX XXXX XXXX. Their refusal to comply with federal law has resulted in significant and unjustified damage to my financial well-being, and I am fully prepared to pursue all available legal options. 

I am requesting the CFPBs immediate intervention to enforce compliance and protect consumer rights. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

A charge off is considered a certificate of Indebtedness which means it is income and income must not be reported to a consumer report. As disputed in another CFPB complaint # XXXX. XXXX Account System was informed of these inaccuracies. YOUR company can not report to credit agencies with inaccuracies and report an account used for the purposes of INCOME to be filed on a federal income tax return. This is illegal practices on behalf of Eastern Account System and WOW internet services. All information pursuant to WOW write off has been recorded on the companies balance sheet as a loss and reported to the IRS. Their is no balance or no debt. This information pursuant to this account is in litigation and has been reported to FTC. I have no contractual agreement to pay Eastern Account System nor do I owe Eastern Account System anything. This is illegal and pursuant to your company illegally having my non-public private information it is be noted and being recorded pursuant to the Privacy Act of 1974. I am requesting my information be deleted from your companies system as I have not given your company, EASTERN ACCOUNT SYSTEM permission or consent to have my information and all inaccuracies pursuant to the account be deleted from the credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX XXXX for incorrect reporting of my repossession balance. The balance is incorrect because on the Explanation of Deficiency dated XX/XX/2021 XXXX XXXX XXXX XXXX listed my loan balance at the time of repo as {$5600.00}. On the Transaction History Report that I also received from XXXX XXXX XXXX XXXX the balance at the time of repossession was {$5000.00}. The account adjustments don't total any adjustments that are listed on my transaction history. Also, the amount that the car was sold for is listed as {$1900.00} on the Explanation of Deficiency but on my transaction history it was listed only sold for {$1500.00}. Even after deducting the cost associated with repossessing and selling the vehicle it still does not amount to what is listed on the transaction history provided by XXXX XXXX XXXX XXXX. 

This has caused me significant harm and financial distress. I am therefore requesting full deletion of this account from my credit reports from the consumer reporting agencies to make me whole, and to account for the negative impacts this incorrect reporting has had on my credit score. XXXX XXXX  is very aware that they are verifying inaccuracies concerning this account to the consumer reporting agencies which is illegal. I am also concerned that XXXX XXXX can verify any information they feel is right and none of the consumer reporting agencies have conducted a full and proper investigation into the account to ensure they are reporting accurate information on my credit report. In order to do so, I cite section 623 of the Fair Credit Reporting Act, which protects consumers from inaccurate information reported by creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, I sent a certified letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting a cure letter, deficiency letter, and a surplus letter to find out how they arrived at an owed balance of {$8500.00}. I never received a response back from XXXX XXXX XXXX XXXX. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( Equifax, XXXX, and XXXX  ). Today, I checked my credit report and notice that the account XXXX XXXX XXXX XXXX and account # XXXX. Is still reporting on my credit reports inaccurately and without proper validation. I still have not received a cure letter or deficiency letter and from my understanding the UCC 9 ( 16 ) says that the account a consumer should receive this no later than 14 days after requesting it. 
For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed.

15 U.S. Code 1681s2 ( B ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person XXXX not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. Field 7 Consumer Account is reporting inaccurately, because the account number XXXX has been redacted ( Report the individual 's complete and unique account number as extracted from your file ). Do not include embedded blanks or special characters. Field 25-Date of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. Field 26-Date closed is incomplete, because it is not being reported. Field 27- Date of last payment is incomplete, because it is not being reported.
Product: Checking or savings account

I Filed a claim with my bank Wells Fargo because while I was traveling to XXXX, XXXX I tried to use an atm machine at the XXXX XXXX XXXX for {$140.00} XXXX dollars. When I tried to make this withdraw it did not go through and it said the transaction was canceled. I did not try again and left the machine after no money came out. Once I saw the money was taken out I filed the claim with my bank and they gave me a temporary credit for about 3 months but they took the money out again. I called customer service the lady was very rude when I asked her if there was anything I could do or if there was anyone else I could speak too since I was supposed to be traveling that day and now my account was overdrawn with no warning of them taking the credit back. I had to rebook my flight due to them taking my money. I have been with wellsfargo since I was XXXX and I am now almost XXXX and I don't appreciate this type of customer service. They gave me no warning what so ever that they would be taking the credit back when they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is going to Transunion Credit Bureau, I have sent you dispute for this issue numerous times, but looks like you completely disregard it. 
I'm not using any XXXX party for this matter that you been tried accuse me with. 
ONLY YOU XXXX HAS REPORTED THIS ACCOUNT ON MY REPORT, HOW XXXX XXXX XXXX REMOVED THIS FRADULENT ACCOUNT AND YOU KEEP SAYING It HAS BEEN VERIFIED???? HOW IT IS POSSIBLE IF YOU SEND MY DISPUTE TO THE SAME MERCHANT/CREDITOR LIKE XXXX OTHERS XXXX XXXX XXXX? 
All that means YOU DID '' N DO ANY FAIR INVESTIGATION. 
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.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 of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. 
I'm sending this dispute to the XXXX XXXX as well, so I'm exploring ALL MY RIGHTS.
Product: Checking or savings account

On XX/XX/2019 at XXXX XXXX. PDT, an unauthorized ATM card withdrawal from my checking account was conducted at the US Bank branch ATM in XXXX, California. I am a US citizen but one of my checking accounts is held at the XXXX XXXX XXXX in XXXX, XXXX, so the transactions are recorded in my bank records in XXXX  XXXX ( CNY ). The amount was debited was XXXX CNY   ( approximately {$300.00} USD, based on exchange rates as of XX/XX/2019 at XXXX XXXX. PDT ), along with a XXXX CNY   foreign transaction fee ( approximately {$4.00} USD ). Then, a second unauthorized ATM card transaction of XXXX CNY ( approximately {$810.00} ) USD ) was conducted at the same location on XX/XX/2019 at XXXX XXXX. PDT, along with a XXXX CNY foreign transaction fee ( approximately {$9.00} USD ). My card was not stolen, as it was in my wallet, which was in my possession over 6,200 miles away. I have tried to remedy this situation through US Bank, but they refused to help me. Per the XXXX  XXXX XXXX in XXXX, XXXX, I have dually notified the police but they have not found a solution to my case as of today.
Product: Credit reporting or other personal consumer reports

I have been trying to obtain my credit scores from XXXX or XXXX but Equifax have an internal block on my personal information, resulting in me not being able to obtain either reports or scores from third party. XXXX is a representative I'd just talk to and she said the only way for them to remove the block is for me to send the ID and ssn card, which I have sent twice and now they are lost somewhere because Equifax never received them. Equifax don't have any other way for me to submit the information requested. I have uploaded my ID and ssn card to myequifax.com to no avail, im out of options.
Product: Money transfer, virtual currency, or money service

I opened a venmo account for my business and personal use they decided to close my account due to violation of there terms and conditions which none was violated I requested the proof that I violated there terms and conditions and they refused to give it to me I have XXXX in my account they closed the account and refused to give the money back. I have done nothing wrong with venmo and they refuse to give my funds back
Product: Debt collection

XXXX ( as XXXX ) is committing fraud on behalf of Gaba Law Corporation in their serving process. According to their clients, I was served In XXXX 2014 with a lawsuits from XXXX by a person named " XXXX XXXX '' Upon calling and searching for a way to contact XXXX ( as XXXX ), I have asked for the full name of this person who supposedly served me which leads to a circle of the attorney and XXXX ( as XXXX XXXX ) telling me to call the other party about the server 's full name. 

I am at my wits end with this matter, due to the fraudulent service of this company 's employee leading to a default Judgement against in a that I was n't able to defend myself from. The fraudulent service in question was a substitute service given to a " XXXX XXXX '' who does not exist. 

The company 's name is listed on the documents, however they wo n't give me the person 's full name. Their client Gaba Law wo n't give me the person 's name and tells me to refer to the sheet, which is illegible. XXXX XXXX XXXX is acting fraudulently and should be found liable for violation of the FDCPA for falsifying information on legal documents in order to collect a judgement. Even the phone number that was listed on the legal documents was false.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting a lot of inaccurate information on my accurint report and supplying it to its clients i have disputed the item due to inaccuracy I 1st submitted my dispute in XXXX we are now in XXXX it has yet to be corrected here are my complaint # s as proof of my disputes complaint # XXXX XXXX 2nd # XXXX XXXX i need an updated copy of my report showing these in accurate information has been deleted off my accurint report will be attaching a copy of my most recent dispute along with other information