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

According to the Fair Credit Reporting Act 15USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isn't being shared which is backed by15 USC 6801. XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC is a financial institution under the title 15 USC 6801. 15 USC 1681 section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to who it relates. " XXXX XXXX XXXX XXXX XXXX & LVNV FUNDING LLC the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and don't have my written consent. All consent to XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX & LVNV FUNDING LLC whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX XXXX XXXX XXXX  and LVNV FUNDING LLC never informed me of my right to exercise my non disclosure option. 15 USC subsection ( b ), 1681C ( a ) ( 5 ) states " Except as authorizedunder no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items, other than convictions of crimes which antedates the report by more than seven years. This account is an adverse account that you are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) a states " A person shall not furnish any information relating to a consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. 12CFR 1016.7 states '' A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Checking or savings account

Online Savings Account at Discover Bank for several years. On XX/XX/XXXX I requested an ACH transfer to XXXX XXXX account which was previously linked. As of XX/XX/XXXX the funds are not at XXXX XXXX and Discover service representative tells me it takes 6 days. 

The funds were taken out of my account on XX/XX/XXXX, but Discover is using my money for free by holding my funds and not sending them immediately per my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are errors in this accounts. Status states paid account and it's written off, so how is it still late? Please provide method of verification and physical verification validation of debt for this account. Also, original instrument of indebtedness. This is information is not accurate and they are in violation of my rights. 


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

LexisNexis, Has not blocked, nor suppressed my public, or personal information from their database and public information systems and products as I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/Equifax credit bureau is sending out frivolous letters. They recently sent me three letters on the same date, XX/XX/2022, for identification after they fraudulently said they couldnt find my account and removed/deleted some accounts I requested to be removed/deleted when I called XX/XX/2022 and submitted my complaint through CFPB also on XX/XX/XXXX. These actions are making me lose confidence in Equifax/Equifax credit bureau XXXX
Product: Debt collection

Home Design/Synchrony Bank keeps sending me statements for money and they call repeatedly on the phone ( I have a machine which answers ). I DO NOT have ANY business with them!! 
I have sent their statements back to them twice telling them I do not and never did have any business with them and they still persist!!! 
I have turned them in for fraud before earlier this year ; statement from them also attached dated XX/XX/2021. They still persist adding interest!! I never heard of " Home Design '' ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get 2 inquires which are over 2 years old and 2 accounts that are over 7 years old and do not show any reporting. The 2 inquires are XXXX XXXX and XXXX XXXX XXXX. Now both of those inquires are over 2 years old. Now the 2 accounts in mention are XXXX XXXX Acct # XXXX and XXXX XXXX XXXX Acct # XXXX both of those are over 7 years old.These are the only things on my report that should have fallen off because they have been over 7 years old. I looked at my credit report and tried to get these removed due to being inactive with no luck at all.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, Reinvestigation Follow Up Dispute I am writing to express my disagreement regarding the following account that continues to appear on my credit report despite your previous investigation. I kindly request an immediate reinvestigation of this item due to significant inaccuracies that are adversely affecting my credit score : Account Name : NCB MANAGEMENT SERVICES/XXXX  XXXX XXXX Account Number : XXXX Under the provisions of The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, I request that you provide the names and business addresses of each individual with whom you verified this information. 
I appreciate your prompt attention to this matter and look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX Balance {$670.00} XXXX XXXX Balance {$400.00} XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX Balance {$9100.00} XXXX XXXX XXXX Balance {$4700.00} XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX Balance {$4800.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX Balance {$970.00} XXXX XXXX XXXX Balance {$270.00} XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX Balance {$6300.00} XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXX Balance {$9800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

My brother, XXXX XXXX, information was mixed in with my, XXXX XXXX, credit report. Including all his credit accounts. I disputed my findings to all 3 major credit bureaus, XXXX and XXXX removed them because they were clearly not mine nor under my XXXX when looked up. Equifax denied my dispute multiple times asking me to talk to XXXX and the bank the account is under. I spoke to XXXX XXXXXXXX XXXX and they told me that was clearly under XXXX name and not mine and have no idea why Equifax didnt delete it. The same with XXXX. Equifax then tells me to use FTC.com to fix the dispute. So please help.
Product: Credit card or prepaid card

I notices charges on my account and immediately filed a dispute with cashapp. They said the dispute was denied and I requested all the documentation that brought them to that decision and they would not send me anything despite asking over a dozen times. There are charges are my account that are not mine and were not made by me and I need cashapp to do a thorough investigation so I can finally get my money back. As I am preparing the documentation I found that this was NOT the first time that this merchant has taken money from my account, I just didn't notice it the last time it happened. I do not get any help from Cash app so I am asking for your help, please. 

All purchases from the same merchant, " XXXX '' I did not make or authorize any of these charges and I filed a timely dispute. 
XX/XX/2022 - {$23.00} XX/XX/2022 - {$23.00} - refunded XX/XX/2022 - {$23.00} XX/XX/2022 - {$23.00} XX/XX/2022 - {$23.00} XX/XX/2022 - {$23.00} XX/XX/2022 - {$23.00} XX/XX/2022 - {$23.00} XX/XX/2022 - {$49.00} XX/XX/2022 - {$49.00} XXXX {$49.00} XX/XX/2022 - {$49.00} XX/XX/2022 - {$49.00} XX/XX/2022 - {$49.00} XX/XX/2022 - {$49.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$49.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$23.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00} XX/XX/2022 - {$99.00}
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists a student loan account opened at DEPT OF EDXXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX,, a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I am writing to express my dissatisfaction with the permanent limitation placed on my PayPal account ( email : XXXX ). I strongly believe that this limitation was made in error, and I would like to appeal the decision. 

First and foremost, I would like to emphasize that I have not violated any PayPal policy. As a responsible and law-abiding user of your platform, I have always followed your terms of service and community guidelines. I have never engaged in any fraudulent or suspicious activity, and I have always cooperated with PayPal in resolving any issues or disputes. 

Therefore, I was shocked and deeply disappointed when I received notification that my account had been permanently limited. I have reviewed my account activity and have found no evidence of any violations or breaches of PayPal policy. I believe that this limitation was placed on my account as a result of a misunderstanding or error on your part. 

I kindly request that you re-investigate my case and consider restoring my PayPal account, if possible. I believe that a thorough review of my account activity will demonstrate my compliance with PayPal policies and my commitment to using your platform in a responsible and trustworthy manner. 

I hope that you will take my appeal seriously and give it the attention it deserves. I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Thank you for your time and consideration. 

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

i noticed unauthorized inquiries on my credit reports that i would like removed according to the fair credit reporting act these unverified and unathorized items must be removed XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX I Inquired on XX/XX/XXXX Transunion XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX 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
Product: Mortgage

since Shellpoint mortgage services took my loan from  XXXX   XXXX   XXXX  they accused me I miss two payment and keep changing the date and year of missing payment.   I contact them since da y one and the assigned case manager  From  XXXX   XXXX   XXXX  as a  manager of BK dep artment which I 'm in chapter  XXXX  protection now no response and I keep call to find out what is going on and after that they keep changing ca se manager for 4th times  and I start explain all over and they answer was same every time which we will review your file and get back to you which never happened and I have all our email conversation copy.   Now after 3 years back and fort they file Notice  of Motion And Motion for Relief from  the automatic stay unde r 11 U.S.C 362 and dema nding   XXXX   XXXX   XXXX  to pay or loss my home after 20 years and raise my family.
Product: Debt collection

Hello... 
.I have not suppl ied proof under the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I May presume that no proof of alleged Debt nor therefore such debt in fact exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account that is reporting on my transunion credit report. ( XXXX XXXX XXXX ). The creditor has agreed to remove and delete this off my report. XXXX has finally deleted the information however transunion is still reporting it. I had to call 3 different phone numbers today to finally get to speak to someone about this problem. I was told I need to supply further supporting documentation. I explained that I spoke with corporate office for XXXX XXXX XXXX and it has been agreed that they will remove this off my credit reports. I explained to transunion today X/X/17 that I spoke with XXXX XXXX XXXX approx 2 months ago ( I do not have the name of the person I spoke with over at corportate ). Transunion said they will re-dispute this information and I will have to wait 30 days for a response. According to XXXX XXXX my score has dropped XXXX points today. I asked the rep at transunion why such a huge drop I was unable to receive an answer. My debt has gone down on my bills and there should be no more inquires so I do not understand as to why the drop in score. XXXX XXXX XXXX does not belong reporting on my credit report. Having this information still reporting is affecting my credit score in a negative way. I also explained the according to XXXX XXXX there has been an account that has been sent for collection which should not be that information is wrong as well. I am submitting this complaint because I have been disputing this information for quiet some time now and getting nowhere.
Product: Payday loan, title loan, or personal loan

Good morning, I have been reaching out the Republic finance here in XXXX, ga where I initially received my loan of {$5000.00} over a year ago. I have never missed or made a late payment. As of the last two months I have been reaching out to the loan company to speak with a manager because my sole income of being a 100 % service-connected XXXX veteran has changed and that I was struggling to keep up with the payment as well as I have been living on the streets since XXXX. They refused to work with me but constantly offering to give me more money. Of yesterday the number that I usually reach them on is now disconnected. Additionally, most times I pay more than what is due and currently my balance is still sitting at {$5600.00} on a {$5000.00} loan, The second problem is that they are reporting that my original loan was {$7000.00} and This was the first I heard of that was from the credit bureau, and lastly, yesterday my credit score dropped because the credit reporting agency said that my score dropped because my balance with XXXX XXXX has increased between XXXX and XXXXXXXX XXXX XXXX. I googled the headquarters and was able to connect with them but after speaking with XXXX XXXX I was constantly transferred to different extensions that would ultimately end in the call being drooped every time.
Product: Debt collection

XXXX XXXX XXXX XXXX took {$210.00} from me for Capital One. Capital One confirmed that XXXX XXXX XXXX XXXX isn't the debt buyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently submitted a copy of all 3 credit bureaus side by side so that the credit bureaus can see the inaccurate late payments that are reported on each of my credit reports. The bureaus are suppose to report accurate information and should coincide with each other. My mortgage company XXXXXX/XX/XXXX is reporting 2 different late payment statuses. The are reporting inaccurate comments on each credit report. XX/XX/XXXXis reporting my mortgage has a student loan in the comments. I have sent letters in the past disputing the inaccurate late payment and they reply back that it is verified. How is inaccurate information being verified? I attached my credit report with all 3 credit bureaus side by side so that you can see the inaccurate information.
Product: Credit reporting or other personal consumer reports

Request for Documentation Regarding Late Payment Reporting for Account [ Account Name/Number ] XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX , I hope this letter finds you well. I am writing to formally request documentation regarding a late payment reported on my credit report for the account referenced above. I believe there may be an error in this reporting, and I seek clarification in accordance with my rights under federal law.

Under 15 USC 1666b, creditors are required to follow specific legal procedures before reporting a payment as late to credit bureaus. Specifically, the statute mandates that creditors must send a written notice to the
consumer at least 21 days before the due date of the payment. This notice should include an attached form as prescribed by 15 USC 1637 ( b ), detailing the payment terms and any conditions that could affect the status of the payment.

To ensure my rights have been respected and the reporting is accurate, I kindly request the following documentation : Proof of Notice : Documentation showing that a written notice was sent to me at least 21 days prior to the due date of the payment in question, including the date of the notice and proof of delivery or mailing.

Copy of the Sent Form : A copy of the form sent along with the notice, as required by law. If applicable, please also include a copy of my signature confirming receipt and acknowledgment of the payment terms and conditions.

If you are unable to provide this documentation within the required timeframe, I respectfully request that the late payment entry be removed from my credit report, as its reporting would be in violation of federal law.

Please respond to this request within 30 days from the date of this letter. If I do not receive a response within this period, I will have no choice but to pursue further action to ensure my credit report is accurate and my consumer rights are protected. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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! XXXX XXXX XXXX. 

XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 counting any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Credit Karma money spend stated my account was frozen since apparently there was an older one from 2019 that I never knew about. I had used them this year because of XXXX offering a faster direct deposit but they won't even let me access anything since then. I've called every single day being told my situation would be escalated by someone for over a month but I've still never heard back. I have around XXXX dollars in that account and they won't give it back to me and refuse to close an account I can't even access.