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

Despite my ongoing efforts for months on end all three credit companies along with the XXXX XXXX XXXX report negatively to a phone from the phone company who says a received a phone at my porch that never and is now 11 years since it happned. Fraud reports where filed and there should be no reason except extorsion on why these companies decide not to comply with currents FCRA laws that outile cleary the debt is old and should not be resold
Product: Credit card

My XXXX debit card was stolen from the mail. I learned this once I contacted XXXX XX/XX/XXXX to find out if my application was approved. Once they said the funds was disbursed XX/XX/XXXX and a card was sent. I had to contact that company, which is XXXX XXXX spoke with XXXX around the same day. Once they told me a card was sent and activated a dispute was started. A form was sent to me signed and dated XX/XX/XXXX. Denied XX/XX/XXXX stating activated with a pin. Explained to rep I never received a card non did I give anyone a card, nor did I activate a debit card. I sent XXXX  XXXX an official dispute letter XX/XX/XXXX with 13 pages including my time clock sheets from my full time and part time employer. I have called several times, and no decision has been made. It has been well over 45-60 days. I have spoken to XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have reported the stolen debit card to my local XXXX XXXX, United States Postal Service of Investigation, Division of Banking and Insurance, and Dept of NJ Disability.
Product: Debt collection

In   XXXX   XXXX  , I was notified by employer that a credit screening would be conducted and may affect my employment. Based on the result they received on    XXXX    I was told that my position was at risk and that I needed to explain certain items on my credit report. This is when I was told that I had been sued and the judgment was entered on  XX/XX/XXXX . I was not aware of who was suing me until I contacted  XXXX   XXXX   XXXX  bank who notified me that my debt was sold to  midland funding . When I contacted  Midland Funding  I was told that they 'd taken legal action. The total debit for the collection account was {$3000.00} and the legal item was {$2900.00}. At this time I ended into payment arrangement with them because I was given less t han 1  week to show proof of payment arrangements and proof of first payments made to my employer. I agreed to and initial payment of {$250.00} on  XX/XX/XXXX ,  2 recur ring payments of {$250.00} beginning  XX/XX/XXXX ,  15 month ly payments of {$150.00} beginning  XX/XX/XXXX  and a final payment of {$87.00} on   XXXX  . At the time, my job was at risk however I was notified the following week that the credit screening would discontinue but at this time I was in a payment arrangement and I no time to do any research. I received a letter dated  XX/XX/XXXX  stating that the judgment against me would be place in forbearance and the legal action would discontinue contingent upon me paying as agreed. As a need for a new vehicle has come in to place, repairing my credit has become vital  XXXX  stated to look into the judgement against me. I contacted the court on    XXXX   XXXX   XXXX    and that was when I was told for the first time that a default judgment was entered against me. After further research I realized that this could only happen if i failed to respond to service of legal action but I did not recall being served. On   XXXX   XXXX   XXXX   I made another call to the court to find out when and how I was served. The clerk stated that an affidavit was submitted stating that I was served in person on   XXXX   at and old apartment and that I signed for it. I moved away from the address that they claim I was served at   XXXX   XXXX   and would have be at work at the time of service, so it just was n't possible that I could have been served. In the state of Texas there is a timeframe in which the court must receive response to a default judgment and I am now far out of that timeframe because I was never notified. This creditor has submitted completely false information to the court. Now I have the original creditor, th e 3rd  party, and the civil judgment reporting on my credit reports and the amounts are different.
Product: Checking or savings account

Every time I submit my payment or pay with my debit card and I have money in my account XXXX XXXX  wont process my money even I try to sign up with opp program I cant get the opp program to cover my funds and they always process my payments real late XXXX making my bills late or unpaid XXXX they even charge me a over draft fees XXXX dollar every time the dont process my payments at least twice. XXXX XXXXXXXX XXXX if u dont have fund in ur account they dont process insufficient funds until the payment come back twice but XXXX once then they charge u over draft XXXX it wont be XXXX dollars XXXX u pay with a debit they process right then in there
Product: Debt collection

LVNV FUNDING LLC has multiple accounts in my credit report. 

I don't ever recall signing anything with them. 
XX/XX/2019 amount {$11000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/17 I wired {$5100.00} to Coinbase using the reference number they provided me with in my account. My bank confirmed they received the wire the same day. 

I have opened numerous cases with Coinbase, with the first being about 5 days after I wired the money. I have explained in the cases that I never received the wire into my Coinbase account and have included all pertinent information in the cases including wire date, the Federal Reference # and the wire amount. The only responses I have received from them generally come weeks later and are generic responses saying we believe we have resolved all wire issues across our site and you should have your money now. 

I am unable to get a resolution from them or even an update on potential remedies on this matter even though my cases have been escalated to the highest priority.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit Reporting Act According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. 

According to 15 USC 1681b ( 1 ) the credit bureaus don't have written permission.

According to 15 USC 1681 I have a right to privacy.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate. 

They have committed countless violations and has blatantly shown total disregard for the law.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

My account has been blocked for while and I have funds that are mines
Product: Vehicle loan or lease

Lease was 24 months 15000 miles per year ending XX/XX/2020. Ally advised me by letter that the lease was being extended through XX/XX/2020 due to Covid19 and that I would not be billed and would receive mileage for the period. I did not want vehicle since I already leased a new vehicle and did not want to insure the Ally vehicle passed the lease contract date. Ally and the dealership refused to assist and forced contract extension. I ultimately returned vehicle in late XX/XX/2020. I was subsequently billed for the two months that exceeded the lease contract date and for mileage that was fictitious and fraudulent. Ally also sent me a BLANK odometer reading statement asking that I sign and return ( this document should have been signed when i physically returned vehicle and should have been filled out by Ally ) ; I refused to sign this document. I subsequently filed a complaint with the XXXX XXXX XXXX and the XXXX XXXX XXXX ( Ally is HQ in Michigan ). I have never gained relief and that is why i am filing this complaint. The lease was honored by me and paid on time for the contracted term ( 24 months ) and the mileage did not exceed the XXXX. The amount described by Ally is fraudulent.
Product: Student loan

My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, XXXX, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading and shady.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue concerning the reporting of my XX/XX/XXXX mortgage payment to XXXX XXXX. On XX/XX/XXXX, I submitted my payment in full ; however, due to the early closure of XXXX offices for the holiday, the payment was not processed in their system until XX/XX/XXXX. This delay in processing resulted in the payment being erroneously reported as 30 days late on my credit report. 
I have contacted representatives from XXXX, who confirmed that payments made during the holiday period may experience delays in posting. Delays in posting payments during this period are not uncommon. XXXX was closed on XX/XX/XXXX. Therefore, if no staff were available to process payments during the holiday closure, any payments submitted during this time would be processed retroactively on XX/XX/XXXX. 
Given that the payment was submitted within the prescribed time frame and was delayed solely due to internal processing issues within XXXX system, I respectfully submit that it is unjust to penalize me for a payment that was made on time.
Product: Debt or credit management

The National debt relief ( Robert S. Gitmeid Law and Associates, PLLC ) posed as if they could negotiate settlements for me with every credit card company that had already received full payment for the cards under the obligation of the US, see 18 U.S.C. 8 defines " obligation or other security of the United States '' and includes bills, checks, and drafts. Being that they are in the practice of law, they mislead me to believe that they could settle debt which was already paid. They continued to take my hard earned money and lead me to believe that they were doing me a favor. I ordered for all my money they took from my bank account refunded and to cancel the program. They instead charged me lawyer fees and gave no full refund. They preyed on my fiat currency to fund their illegal practice. Also national debt relief uses XXXX for payments to be processed on XXXX outline of payment, it clearly says that if you want your payments remitted back to your personal bank account to call or send a letter. I called and was told that I needed to contact National debt relief. Completely unacceptable and unlawful against my rights.
Product: Money transfer, virtual currency, or money service

My bank allowed fraudulent charges that were not made by myself ( the account holder ). My address and personal information was removed and my bank was left attached and the account took money until I stopped the virtual card
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, Transunion there is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified Transactions are not information related to any transaction by me as the consumer. Accounts : 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 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 XXXXXXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I have also attached a copy of my FTC Report, proof of identity, and proof that i was impacted by the XXXX XXXX breach, I look foward to your response, Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my complaints # XXXX that I submitted on XX/XX/22 were closed when I checked it. Again, I was going through my records & noticed accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

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

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$16.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$16.00}
Product: Credit reporting or other personal consumer reports

TransUnion has committed multiple violations of my consumer rights. First, these accounts were reinserted into my credit report without providing me proper notice as required under 15 USC 1681i ( a ) ( 5 ) ( B ). The Fair Credit Reporting Act mandates that if a previously deleted item is reinserted, the consumer must be notified within five business days, which did not occur in this case. This failure to notify constitutes a breach of my rights under federal law. 

Second, the disputed accounts are not reflected on my reports with XXXX and XXXX, raising serious concerns about the accuracy and reliability of TransUnions reporting practices. Under 15 USC 1681e ( b ), consumer reporting agencies are required to maintain the maximum possible accuracy of the information in credit reports. Reporting accounts that are inconsistent with other credit bureaus violates this standard and undermines the credibility of the data TransUnion provides. Furthermore, these actions may constitute willful noncompliance under 15 USC 1681n, which holds credit reporting agencies liable for knowingly violating the FCRA. The lack of proper reinsertion notification and the inaccurate reporting of accounts demonstrate gross negligence in adhering to the law. These violations not only affect my credit but also violate my rights as a consumer to fair and accurate reporting. I expect immediate corrective action to address these violations and a full investigation into TransUnions failure to comply with the Fair Credit Reporting Act.
Product: Debt collection

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

The XXXX Credit Bureau is reporting inaccurate information on CREDIT COLLECTION SERVIC XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my Equifax credit report and after reviewing the information, I noticed that Equifax have a bankruptcy listed on my credit report. This information was placed on my credit report in XX/XX/2018 and have been on my file since then. I have disputed this information with Equifax to get no response, or just completely ignore the fact that the information, is incorrect. Equifax is in violation of Public Law XXXX, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a The Bankruptcy XXXX  has no interaction with credit bureaus, including Equifax, XXXX, and XXXX XXXX The Bankruptcy XXXX does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 
So how is this placed on my consumer file since the court did not furnish this information to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

I have also sent letters to all 3 credit bureaus TransUnion, XXXX, and XXXX  over 30 days ago and have not received a reply or response. I will attach the letters that I have sent and singed with my signature. They have violated multiple laws of the United States 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. 

15 U.S. Code 1692g - Validation of debts They were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I do not validate this debt.

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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION. 

THEY HAVE VIOLATED MULTIPLE RIGHTS AND LAWS
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION and ACCOUNTS REPORTING NOT CORRECT : XXXX : 1. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Employers : XXXX XXXX 3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

EXPERIAN : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.