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

Subject : Immediate Deletion or Validation of Discrepancies Across Credit Reports XXXXXXXX XXXX Account I am filing this complaint to address significant and harmful discrepancies in the reporting of an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) across the three credit bureaus ( TransUnion, XXXX, and XXXX ). Despite prior disputes, the inaccuracies remain unresolved, and I am requesting proof of the previous investigation or immediate deletion of this account from my credit reports due to its unverifiable nature.

Account Details : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Discrepancies Identified Across Credit Reports : 1. Account Balance : Reported as {$21000.00}, despite the account being closed since XXXX, with no verifiable explanation. 
2. Last Payment Date : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : Not listed 3. Date of Last Activity : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX 4. Payment History : Ongoing late payments are reported in XXXX ( XXXX & XXXX ), despite the account being charged off in XXXX. 
5. Dispute Status : TransUnion : Account not disputed XXXX : Consumer disputes after resolution Request for Proof of Investigation : I am now requesting : 1. Proof of the previous investigation conducted by the credit bureaus and XXXX XXXX XXXX XXXX. 
2. A detailed method of the investigation, including : Records of who you spoke with.

Their business address, name, and phone number.

3. Documentation proving the validity of the late payments and charge-off reporting.

If this information can not be provided within three ( 3 ) days, I am demanding the immediate deletion of this account from all three credit reports and an updated credit report reflecting the removal of the inaccurate information.

Violations of the Fair Credit Reporting Act ( FCRA ) : The continued discrepancies and lack of verifiable documentation violate the FCRA by : 1. Reporting inaccurate and conflicting information.

2. Failing to validate disputed entries.

3. Manipulating the statute of limitations by updating old accounts with false late payments.

Resolution Requested : 1. Immediate deletion of the XXXX XXXX account from my credit reports if proper validation can not be provided. 
2. Updated credit reports reflecting the removal of this account or corrected information.

Supporting Documentation : I am attaching : 1. Copies of my credit reports from TransUnion, XXXX, and XXXX, highlighting the discrepancies. 
2. Previous dispute letters sent to the credit bureaus.

3. Any correspondence related to the XXXX XXXX account. 

Impact on Me : The ongoing discrepancies have caused significant harm to my credit score, limiting my ability to access financial opportunities. This is unfair, misleading, and a violation of my rights under the FCRA.

Thank you for your immediate attention to this matter. I look forward to receiving proof of the investigation or an updated credit report reflecting the deletion of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Please remove all inquiries which I listed in identity Theft report.
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.Inquiry details 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 I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I was targeted for being a XXXX XXXX, Offered Unfair Rates and XXXX XXXX in The Store Environment, Knowing The XXXX XXXX exists XXXX 's needs to take better steps to protect my Account. 

Immunity from Liability If a mandated reporter makes a report with earnest concern for the welfare of a child, he or she is immune from any criminal or civil liability that might result. This is referred to as making a report in good faith. 

Listen to XXXX XXXX with XXXX : episode XXXX by XXXX on # XXXX https : XXXX Listen to XXXX podcast with XXXX : XXXX XXXX by XXXX on XXXX XXXX https : XXXX
Product: Debt collection

i moved out my place XXXX XXXX tried multiple times to break lease due to abuse. they wouldnt let me because new management and charged me for the months on top of XXXX XXXX eviction. i also have a lot of charge off cars in XXXX a XXXX XXXX  $ XXXX with XXXX XXXX  and XXXX XXXX  XXXX  XXXX with exter. also a XXXX bill {$3000.00} 2phones and a XXXX XXXX that was given back and 1 phone was paid off
Product: Credit card

Opted for a XXXX XXXX  APR interest from Capital One and opened a account with a XXXX XXXX  APR End date of XXXX. 

Paid all my outstanding balance on XXXXInspite of all the payments done was charged {$100.00} as interest for outstanding payments. 

When enquired they mention the XXXX XXXX  APR ends on XX/XX/XXXX XXXXTold them that we have the official email from Capital One that the offer ends on XXXX. 

Inspite of their official email they still charge the interest which needs to be refunded and avoid this capital one 's behaviour. 

secondly one of the unique practise is they never publish their XXXX  % APR end date on their Statements which other banks do which clearly alerts the customer to make the payment at the earliest to avoid interest.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Texas Laws Dear LVNVFUNDG, I am writing to address a blatant violation concerning the unauthorized reporting of information to my credit report, in direct contravention of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), as well as the Texas Finance Code, specifically Sections 392.301 and 392.305, and Texas Penal Code Section 32.51 pertaining to identity theft and fraud. 

It has come to my attention that LVNVFUNDG has engaged in unauthorized credit reporting without my explicit consent, which is a clear violation of federal and state law. The FCRA mandates that consumer consent is required for any such reporting under Section 1681b ( a ) ( 2 ). In Texas, this is further reinforced by state law, which stipulates the importance of consumer consent in credit reporting practices. 

Texas Finance Code Section 392.301 prohibits creditors from making any threats or taking actions not authorized by law, including the unauthorized reporting of credit information. Section 392.305 further outlines strict standards for ensuring accurate and fair reporting. Moreover, under Texas Penal Code Section 32.51, unauthorized use or misuse of personal identifying informationincluding credit reporting without consentis a criminal offense, highlighting the seriousness of this breach. 

I unequivocally assert that I have not provided LVNVFUNDG any authorization to report information to my credit report. The lack of explicit permission for such an action constitutes a violation of both my federal and state rights, causing potential damage to my creditworthiness and financial reputation. 

I formally demand that LVNVFUNDG immediately cease any further unauthorized reporting to my credit profile, as required under FCRA Section 1681b ( a ) ( 2 ), and Sections 392.301 and 392.305 of the Texas Finance Code. If corrective action is not taken within 30 days, this will be considered willful noncompliance, subjecting LVNVFUNDG to penalties under applicable laws, including those related to identity theft under Texas Penal Code Section 32.51. 

This is not a negotiable matter but a firm demand for compliance with federal and state laws. I expect LVNVFUNDG to take immediate steps to resolve this matter and ensure that my rights as a consumer are respected.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 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 XXXXXX/XX/XXXX
Product: Debt collection

Almost everyday few phone calls looking for someone I do not know. I have never deal with this company, i had no busniss with them, and they call looking for someone else. I have the same phone number for about XXXX years.I Asked them to remove my number from the system several times. But the harassment never stopped
Product: Student loan

On XX/XX/2022 I submitted a request over the telephone to get a refund on my payments made during Covid. I was told the total amount I would get and it would take six weeks for a refund. 

On XX/XX/2022 I called backend and they said it was still in processing and it would take 10-12 weeks from the request. 

On XX/XX/2022 I called back and they said it hasnt been processed and that I need to continue to wait and that it will be another 8 weeks from the the time it was approved. They can not say why it hasnt been process or when it would be processed even though I requested back on XX/XX/XXXX. 

Doing research it appears there have been plenty of people to get their refund who have applied on or after XX/XX/XXXX through the same servicer. 

This servicer is acting in a deceptive manner. We have given them ample time to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX5 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 reporter agency can not furnish a account without my written instructions.

15 U.S.C 1692C 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.

Pursuant to 18 USC, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2.company has also No permission to report anything using my info pursuant 15USC 1681 XXXX XXXX XXXX XXXX Open date : XX/XX/2022 Amount : {$420.00} XXXX XXXX XXXX Open date : XX/XX/2022 Amount : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report ongoing .. There 's a collection  XXXX   XXXX   XXXX   XXXX .. A Balance of {$5000.00} ... Opening date  XXXX   XXXX , 2016.. That 's continuing to appear on my credit Report ... It was once remove due to Fraud.. And it has now appeared back.. And it 's showing as if the collection is new.. And it 's a severely old account ... Police Reports has been sent in to them and all of the Credit Bureuas to have it remove.. An d all have done  so except Equifax ... I have not lived at this address or apartment complex ... This is Really starting to be a pain.. Because what they are reporting is not accurate and it 's Fraudualant..
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I have accounts that are more than 7 year 's old that should be removed. 

Account info Account name XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX {$24000.00} Closed Balance {$24000.00} Highest Balance XXXX XXXX  Monthly payment No Info Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$3000.00} Closed Balance {$3000.00} Credit limit XXXX XXXX Monthly payment Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX XXXX  {$1600.00} Closed XXXX Reported : XXXX XXXX XXXX {$3100.00} Closed
Product: Checking or savings account

Responding to XXXX 's response herein from Complaint ID XXXX : XXXX XXXX 's correspondence letter does XXXX provide a specific reason why my instruction was deemed " Not In Good Order ''. XXXX 's failure to execute my instructions and XXXX 's conduct including miscommunications that XXXX admits to, from representatives belonging to XXXX is unacceptable financial institution behavior.
Product: Checking or savings account

On XX/XX/2023, I made a transfer from my XXXX XXXX XXXX XXXX XXXX XXXX to the JP Morgan Chase in error since the that account was closed. JP Morgan Chase has lied to the CFPB and the OCC by stating that they didn't have the money. We have a voicemail from XXXX at the Executive Office stating that they do have our money but now they need permission from the Treasury Department to get it.
Product: Money transfer, virtual currency, or money service

This is a XXXX rental scam. Ive actually been scammed twice ( pretty much at the same time and in two different cities ) and so will be filing two separate reports. I am absolutely shocked that I could have been so naive as to fall for this, but the communications between the landlords seemed legit and the leases they provided also seemed very legitimate. I also feel that the situation was amplified by the weirdness around CV19 & not being able to meet up with people in person. I am trying to get my XXXX XXXX, and so Ive been searching out new cities to live. I found a reasonably priced apartment in XXXX, IN. This is the scam I am reporting in this claim. 

My initial contact with XXXX was made on XX/XX/XXXX where I responded to her XXXX ad. 

XXXX XXXX XXXXXXXX We back and forthed using the XXXX attached email ( can provide emails as well ), until XX/XX/XXXX when she sent me the lease agreement from her personal email. The lease seemed well written and had all of the suspected mentionings that an ordinary lease would have. I was wary of sending money to a stranger, but I also felt like the lease was a binding contract and if needed, I could reach out to a lawyer or something. 

She used the name XXXX XXXX XXXX when she signed the lease and provided the phone number XXXX XXXX XXXX XXXX. The address for the property was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX We had agreed upon {$850.00} for one months rent and a {$300.00} security deposit. My red flag went up when, after I had sent the {$1100.00} ( I sent it to her email, XXXX via XXXX ) she said shed made a mistake and that the deposit was actually supposed to be equal to one months rent, so she asked if I would send the extra {$550.00}. This is when I told her no, we agreed upon {$1100.00} and I wouldnt be sending any more money. And if I needed to send the extra {$550.00} in order to put down a deposit, then I wasnt going to and asked if she would send me my {$1100.00} back. She didnt reply for the next two days. 

I sent her the money on XX/XX/XXXX. 
XX/XX/XXXX was when she said she needed more money. 
I responded the same day ( XX/XX/XXXX ) telling her no I wouldnt send more money and if that didnt work for her then would she please send the money back. I didnt hear from her for two more days, until today ( XX/XX/XXXX ) where I emailed her begging to please say something as I was getting concerned. She then replied almost immediately, saying something that was pretty much gibberish and didnt make any sense. Ive tried calling her and theres no answer and no voicemail either. 

I am happy to provide the lease agreement she sent me and we both signed, and any other information required to assist in this case. Im not even sure if shes a real person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a motorcycle because of there false statements they stated to the agency. I then lost a job because of no transportation and lost a few pounds under all the stress that came from this. I ask for {$500000.00} dollars for my family pain and suffering.
Product: Debt collection

My husband and I went into XXXX store on three occasions each time we were told the bill was wrong we were paid and getting a refund to ignore the bill. Now its in collections with a company who sent no notice until we filed a complaint. We have recordings of the conversations in the store and will be submitting anywhere and everywhere and potentially getting attorney. XXXX needs to do better train them better and not use companies with loose morals like southwest
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account name XXXX, Account number 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax beginning of XX/XX/2023 because I couldn't log on to my account. The rep on the phone told me that somehow there is a " split pin '' associated with my account, meaning someone else is also using my SSN. The rep said it's likely caused by a system error on Equifax 's end and not a fraud/identity theft, and they will escalate the case and have it resolved in 5 business days. I called after 5 business days, and this time the rep told me that they won't be able to fix the problem until I submit my SSN card, my utility, and my driver 's license information to them, which I did. It's been more than 2 weeks since I submitted my information, and no updates from them, and I continue to have problems logging into my Equifax account, and my credit application has been denied due to my Equifax credit report being frozen and I couldn't unfreeze it.
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX XXXX XXXX AND LVNV Funding LLC I write to advise you that I plan to file a lawsuit against you in the United States District Court XXXX XXXX of Florida XXXX Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC XXXX XXXX of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : BANK OF AMERICA, ACCOUNT NAME : XXXX, DATE : XX/XX/2014, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX
Product: Checking or savings account

On XXXX XXXX XXXX there was an unathorized charge for the amount of {$220.00} from Mainstream Fees, apparently that company is a merchant services company.

Spoke to Wells Fargo on XXXX XXXX XXXX to investigate the issue and requested a refund Wells Fargo expect XXXX be reported within XXXX hours of the illicit transaction take place. which they informed me today XX/XX/XXXX, Wells Fargo close the case without informing me. 
Wells Fargo NEVER disclose the XXXX hours policy. 

Wells Fargo did process an stop payment but never issue a credit for {$220.00} dollars
Product: Debt collection

Received call from Gatestone debt collectors XXXX XXXX XXXX concerning monies owed on a {$220.00} XXXX XXXX Account. Upon further investigation of credit report, victim with new address of XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX Account opened in XX/XX/2018 and closed in XX/XX/2018.
Product: Debt collection

Account was paid in full and balance was said to be removed instantly and it has not been removed.
Product: Credit reporting or other personal consumer reports

Remove the account I am not asking anything I am demanding that it be removed immediately. Complaint number XXXX