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

Good evening, To whom it may concern, My name is XXXX XXXX XXXX, The executor, secured party, creditor and sole living heir to the XXXX XXXX XXXX XXXX XXXX Reference XXXX XXXX FILING NUMBER - XXXX. 

I have contacted Experian numerous times using various methods of communications both written and verbal. My efforts has Been ignored, laughed at, discriminated against, mocked, and by them doing so has caused me pain and mental anguish. The unauthorized use of my private information by Experian and it's third party associates has not gone unrecognized and I must point to proof of such unauthorized inquiries and accounts. 

EXPERIAN has mislead me to believe that they are a Credit Bureau which is in fact the opposite. According to 15 USC 1681a ( d ) ( 1f ), EXPERIAN is a Consumer reporting agency and a Consumer Reporting Agency means any person which, for MONETARY FEES, dues, or on a cooperative nonprofit basis, regularly engages 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 XXXX XXXX for the purpose of preparing or furnishing consumer reports. 

Based on the scope of the definition, it clearly indicates that EXPERIAN is in the business of buying and selling consumer 's private information to third party vendors. Which would make them some sort of financial institution and also dealing in securities and exchange. 

Being a private XXXX XXXX and not a vessel of the United States. It is my right to demand access and assess all accounts and contracts that all XXXX XXXX has established with the XXXX entity XXXX XXXX without my written consent. That also includes EXPERIAN. 



The Freedom of Information Act ( FOIA ), the Privacy Act at 5 U.S.C. 552a ( b ), section 1106 of the Social Security Act, codified at 42 U.S.C. 1306, and SSA regulation at 20 C.F.R. 401.100 provide legal authority for disclosure of SSN verifications from SSA records.
Product: Checking or savings account

I have tried to close my accounts with Chase several times over the phone and twice in branch, but never had success. Customer service representatives seem to have endless line of excuses why I can not close the accounts. Chase banking products simply do not meet my needs anymore. Free checking accounts from other banks match or exceed the functionality of Chase checking account. Many banks are offering 1.60 % or higher interest on savings account as compared to Chase 's 0.01 %. Chase trading platform on You Invest Accounts is not functionally comparable to even XXXX, nevertheless to offerings of firms such as XXXX, XXXX, and XXXX XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I reached out to Ally Financial XXXX, XXXX, ( XXXX ) XXXX, XXXX, XXXX and XX/XX/XXXX to advise of financial hardship due to losing my job due to a massive employer layoff due to COVID19. I lost my job XX/XX/XXXX, gained employment XX/XX/XXXX and lost my job again due to catching the virus XX/XX/XXXX. I advised Ally Financial of this each time, each time I gained employment and each time I lost employment. When I was granted financial assistance, and payment arrangements were made, Ally Financial still reported my accounts as past due 30, 60, days which is against the CARES amendment credit act. When I applied again because I saw via the company website that COVID relief was available, I was denied more than 3 times in a 3-month time span. I asked and sent documentation as to why the company was advertising that it was offering COVID relief and was not and I never got a response.
Product: Credit reporting or other personal consumer reports

On XX/XX/ someone used my information to apply for a credit card with JP Morgan and Chase. I disputed that inquiry through XXXX XXXX. To this day it is still showing on my XXXX report, which of course has a lower score than it should due to this. I have never applied for nor had any interest in a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN was in the XXXX breech and XXXX XXXXXXXX Breech and my credit has Been ruined ever Since I always had good credit and now I cant even get a bank account or A XXXX pack of gum!!! Please help without credit in American you cant do XXXX buy a house Car nothing please help, Who do I ask for a XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered at XXXX XXXX that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services or other benefit as the results of the event described in this report. I never opened an account/or credit cards with XX/XX/XXXXXXXX XXXX OR XXXX XXXX. I already filed a police report with XXXX XXXX Police and its an ongoing investigation, no perpetrators have been found. Please delete these accounts that do not belong to me. I certify that, to the best of my knowledge and belief, all of the information on and attached to this complaint is true, correct and complete and made in good faith
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Sir or Madam, I am writing to formally lodge a complaint against LVNV Funding LLC concerning an unauthorized and incorrect claim on my credit report. On XX/XX/year>, LVNV Funding LLC reported a debt of {$4000.00}, allegedly originating from an account with XXXX XXXX XXXX, to my credit profile. It is important to note that I have never opened, maintained, or had any association with an account at XXXX XXXX XXXX 

I believe this claim to be fraudulent and an incorrect reflection on my credit report, causing potential harm to my credit standing and financial reputation. I am unable to find any legitimate basis for this debt and have received no prior communications from XXXX XXXX XXXX or LVNV Funding LLC regarding any such account. 

Despite my attempts to resolve this matter directly with LVNV Funding LLC by requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), I have not received an adequate response. The lack of clear communication and failure to provide validation of the alleged debt has resulted in significant distress and inconvenience. 

I am escalating this issue to your office to seek assistance in investigating this matter and ensuring that LVNV Funding LLC complies with federal regulations regarding debt collection practices. I request that the FTC intervene to address this discrepancy and prevent further misreporting that could adversely affect my XXXX XXXX. 

Attached to this letter are copies of relevant correspondence, including my dispute letter to LVNV Funding LLC and a copy of my credit report reflecting the disputed entry. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue and safeguarding consumers like myself from unwarranted credit claims. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

As of XX/XX/2022 at XXXX est. ALLY, ALLY FINANCIAL INC.has violated my consumer rights. Not only has a cease and desist letter been verified of being recieved by corporation or corporation agent via U.S postal mail service on XXXX XXXX. I requested documentation of debt validation, as well as other documentation that was never recieved. ALLY, ALLY FINANCIAL INC PROCEEDS TO VIOLATE MY RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICES AS WELL AS TILA FULL DISCLOSURES AND MUCH MORE. ALLY STATES THAT NO PAYMENTS HAS NOT BEEN RECIEVED SINCE XXXX OF XXXX XX/XX/2022 OR XX/XX/2022. XX/XX/2022 On a recorded line spoken with an agent to help with matters and make sure account status was accurate under the COVID CARES ACT. I was told that doesnt apply to them as well as they would provide a curtesy of account ending in and paperwork would be sent via mail to me. All payments sent to ALLY ALLY FINANCIAL INC. was sent via US Postal mail service certified with tracking and return slip. I was informed during the call that no payment was recieved and the informed we take XXXX XXXX XXXX XXXX etc or bank draft. I refuse to give them access to accounts. During this dispute I stop allowing them access to my account so once my cease and desist letter came about ALLY proceeded to restrict my account access causing stress and extortion of payment. According to 18 usc 894 is in deed in violation. As well as included I never gave consent to ALLY TO FURNISH A NEGATIVE REPORT ON credit reporting agencies as they have marked derogatory comments and fraud on all account status. This has cause me so much stress all because I requested documents of contract validation of debt. 
On XX/XX/2022 ALLY ALLY FINANCIAL HAS REPOSSESSED PROPERTY OF ( CONSUMER T ) and has stated that they repossessed due to non payment. I have proof that payment in fact sent and receive they continue violated my rights according to 18 USC 891/894 extortion of credit this has hit the ultimate stress and I will hold them criminally liable for violations as well as pain and suffering it has caused. ALLY FINANCIAL INC according to 15 USC 6802 violation of sharing my personal information with third parties As well as invasion of privacy 15 USC 1692 15 USC 1681 FAIR CREDIT REPORTING ACT RIGHT TO PRIVACY 15 USC 1691 EQUAL CREDIT OPPORTUNITY ACT DISCRIMINATION 12 CFR 226.23 RIGHTS TO RESCISSION 15 USC 1692 ( e ) FALSE AND MISLEADING DECEPTIVE PRACTICES
Product: Debt collection

i HAVE NOTIFIED THIS COLLECTION COMPANY ON XX/XX/year> TO CEASE AND DESIST FROM CONTACTING ME REGARDING THIS DEBT. I REFUSE TO PAY. YET LVNV FUNDING LLC IGNORED MY REQUEST BY CALLING CONSTANTLY on XX/XX/XXXX XXXX 2024 AT ODD HOURS OF THE DAY WHEN I TOLD THEM TO CEASE AND DESIST FROM CALLING ME, THIS IS AN INCONVENIENCE TIME. THEY'RE SENDING LETTERS TO THE HOME ADDRESS on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/year>, XX/XX/XXXX and XX/XX/year> AGAIN IGNORING THE REQUEST TO CEASE AND DESIST FROM CONTACTING ME REGARDING THIS DEBT. FDCPA PROHIBITS DEBT COLLECTORS FROM ABUSIVE PRACTICES AND MISREPRESENTATION OF FACTS. VIOLATIONS HAVE OCCURRED BY LVNV XXXXCommunication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, XXXXCommunication in connection with debt collection ( 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 ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock ante meridian and before XXXX oclock postmeridian, local time at the consumers location ;
Product: Credit card or prepaid card

Someone applied for a credit card in my name and had it sent to my address. They got it out of the mail when I was at work and then proceeded to put in a change of address to a mailbox store. The only reason I found out was I just happened to check my credit report and seen it. I seen this card that I never applied for as well as an address I never lived at. I filed a police report for fraud and identity theft. I tried calling the credit card company but they would not do anything because I did not have the account number. I asked that how could I have an account number for a card I never opened up it does not show the account number in my credit report. I even disputed this on my credit report but they did nothing. The company is Avant LLC / Web Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Opportunity financial was paid the rest of the money owed still reporting derogatory the debt was paid with what balance was said and they tried to bill me for another {$300.00} which i paid after countell late reporting on my credit..
Product: Debt collection

XX/XX/2023 I received a letter in the mail saying I owe {$150.00} from XXXX XXXX XXXX and Im not sure what that is. I dont have any record or receipt of receiving anything from XXXX XXXX XXXX XXXX number is XXXX
Product: Credit card or prepaid card

I closed the credit card account and I was told that the annual fee will be eliminated as it has just been charged for the year. After a month or so, I received a bill showing that the fee was not taken out and my account was now past due. After contacting the bank again, I was ignored and I was told that I am responsible for paying the fee.
Product: Debt collection

Sync Bank, Walmart, XXXX XXXX I have disputed this alleged account XXXX billing statement show a name of XXXX XXXX XXXX not me. when I contacted you about this you stated a card was mailed to my addresss { never got } I requested that you provide me a U.S.Postal receipt showing it was delivered to this address you Never responded Back, now after I disputed this alleged account on my credit report you Sync us my name and sale alleged account to XXXX XXXX, I have all your statements that show XXXX XXXX XXXX not my name, and your response that you stated we mailed it to you, and did not respond to my request of postal receipt to me please remove this alleged account not mine, account disputed
Product: Credit card

Hello, American Express has charged me {$29.00} late fee ( XX/XX/2023 ) and {$28.00} interest fee ( XXXX XXXX 2023 ). 

I contacted amex through their XXXX app chat feature and asked why these charges were placed. They told me that I was late on a payment, saying the payment is due on the XXXX of the month. I told them that I paid on the XXXX through my amex app. I asked them to waive the fees, mentioning that this was my first time receiving interest and late fees after about 2 years of using their card. 

They submitted a form internally to waive the fee twice and told me my waiver application was rejected. 
I've asked them to tell me the mailing address for amex so that I can send them a letter for a formal inquiring ( know that by law there are required to provide a response ). They refused to give me an physical address.
Product: Credit card or prepaid card

Citi offered an autopay option of : Pay total purchase balance plus the minimum payment ( {$170.00} ) on XXXX XXXX. I accepted this option and set my autopay to this option. 

Citi calculated my payment based on this option. Then when the payment was made, Citi disregarded this option and claimed they did not allocate my payment as offered and agreed. However, the payment was not allocated to reduce the principle balance of the XXXX XXXX over and above the minimum payment either. 

They claim they can disregard the XXXX option I designated because, in some fine print in the terms and conditions of a deceptive predatory lending practice which offered me a temporary low interest rate on purchases. 

I dispute that Citi is not obligated to allocate my payment as they offered in XXXX, and I accepted, and they used to calculate my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts on my report. Ive attached a police report pertaining to the incident. In accordance with the Fair CreditReporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, TransUnion and XXXX consumer credit bureaus. I would like the following fraudulent accounts removed from my credit report immediately. 


XXXX XXXX XXXX Account number - XXXX XX/XX/XXXX XXXX XXXX XXXXAccount number - XXXX XX/XX/XXXX XXXX XXXX Account number - XXXX XX/XX/XXXX 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 handwritten instructions.
Product: Debt collection

On XX/XX/year> - I was notified from XXXX of a new collection account for a debt of {$220.00}. The first representative stated that XXXX recalled the collection but refused to remove from my credit file. Spoke with manager who claims that collection is active. I informed the manager that I have statements that show that my account from Spectrum has a XXXX balance and was paid in full after the account was disconnected.. After further discussion, I learned that the account was at an address that I never lived at, hence identity theft/fraud. 

I have not knowledge of the fraud account. I also do not have access to the fraud account to review. I only have information that is showing up as a collection.
Product: Checking or savings account

Funds transfer with funds being unavailable for two days after being deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint against Experian via CFPB XXXX, XXXX and copies of 3 Certified letters that was sent and received by Experian to show their total disregard for my rights Under FCRA, they have not responded within the required timeframe and made frivolous statements that they do not believe I am who I say I am even though I have included my identification in every single letter I have sent to them, I have also included all the letters I sent to them by certified mail. Experian is now requesting I call them directly which I refuse to do because I want to have everything documented and thought using a third party ( CFPB ) would be my best option, I would rather keep all corespondent in this forum for my proof. I am demanding that they remove these unverified accounts immediately and I am now asking CFPB to verify that they have in fact violated my rights under FCRA have not responded to my certified letters within the required timeframe and under FCRA must now remove all accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with a representative by the name of XXXX Id # XXXX at Swiss Colony/XXXX  in regards to acct #. with a balance of {$340.00} I have been disputing this reporting for years to come, and every so often it reappears on my credit reports. So today I decided to contact said company a request validity of the debt, requesting that they provide proof that the account belongs to me, something showing my signature, identification something that will prove that this is my account. Per XXXX she stated that due to this account dating back to XXXX, they do not have anything that will prove the account belongs to me other than an invoice. Now mind you I have been requesting this information for many years and have yet to receive it. I called Swiss Colony again so that I can get the account number, at that time I spoke spoke with XXXX who in turn told me she unable to find account, she then transferred me to a XXXX who stated he was unable to find an account under my name and that the account listed under my phone number is for a different person. I was then transferred to XXXX ( supervisor of customer service ) that stated the account was for XXXX XXXX. I was then transferred to XXXX ID # XXXX  ( supervisor of collections ). Requested that she send proof that the account belongs to me and she in turn stated I will need to send in a fraud packet. I know that any and all agencies have to provide proof within 30days of validation request.
Product: Debt collection

This company is violating my rights they have not provided validation XXXX XXXX XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. I had made previous attempt to reach out to them to fix this problem. They are violated my rights and I'm entitled to {$1000.00} for every violated I listed, either they paid me or removed/delete this account like ASAP.
Product: Debt collection

There is a debt collection in on my credit report in the amount of XXXX dollars. The collection agency is Tek-Collect Inc. This is on behalf of XXXX XXXX XXXX PA in XXXX TX. This is apparently for dental work performed in 2017. I have never had any dental work done by this dentist. No one has contacted me about this outstanding debt. No paperwork has been sent to my address. No one has contacted me by phone. I have no knowledge of this debt. I want to see the original invoice for this transaction but I get the run around from this company.
Product: Mortgage

On XX/XX/XXXX I tried to set up an online account to no avail. It requested my mobile phone to send a text for verification. I do not have a cell phone. I tried the automated system for the XXXX time to no avail. It states thats they can not locate my account in the system by account number or ssn. I have to make payment via customer service rep. I mention this several times and was told because I do have a phone number on file it can not assoc an account with me even by the acct number. On XX/XX/XXXX the company closed at XXXX so by the time I could not make payment through the automated system or set up an act I was assessed a late fee. They are very much aware of the situation but refused to remove the fee. They said I had a late fee in XXXX of XXXX. Mind you my loan was sold to this company and a new acct was given for XX/XX/2023. I will also be filing my complaint with the attorney generals office in XXXX as well. Also, the reps are trained to to not give their name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 60-90 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the handling of my credit report dispute with XXXX. Despite my efforts to address inaccuracies on my credit report XXXX has failed to resolve the matter adequately. I believe this issue requires further investigation and action. XXXX 's failure to address these inaccuracies effectively has caused undue stress and potential harm to my financial standing. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate credit reporting and a thorough investigation of disputes. I am seeking your assistance to ensure that XXXX complies with these obligations and that my credit report is corrected promptly. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 

Please keep me informed about the status of this complaint and let me know if additional information is needed. I appreciate your attention to this matter and look forward to your response. 

Thank you for your assistance.