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

On XXXX I spoke with XXXX at Equifax and advised that I saw unauthorized inquiries on my report. I was advised to contact the creditors to request a deletion letter. I contacted the creditors, they were unable to find me in the system as I do not have an account with them, they also advised that they can not provide me with a deletion letter as I am not in the system so there is nothing to delete. I called Equifax again on XX/XX/XXXX and spoke with XXXX and explained that I followed their instructions but the creditors were unable to find me in the system and could not provide the " inquiry deletion letter ''. XXXX then advised that I needed to go to the police station and provide them with a copy of the police report so they could remove the unauthorized inquiries. I went to police station on XX/XX/XXXX and was advised that this was a local matter and I would need to contact my financial institution along with credit bureaus for assistance with compromised information. I contact Equifax again on XX/XX/XXXX, I explain all of this to XXXX who disconnects the call in the middle of explaining what has happened. I call back and speak with XXXX XXXX who confirmed I was given incorrect information and that I will need to file identify theft report with FTC. As a consumer I feel violated and devalued. I followed all of the instructions from equifax which was wrong to start with and still can not get any assistance. When I file dispute online it comes back as factual. I have already placed security freezes and locks on my reports to prevent anyone from accessing my reports, but I need these fraudulant inquiries removed. With XXXX  and XXXX  I did not go through this suffering. They assigned me case workers and worked with me from beginning to end to remove the inquiries. Equifax has been spinning me in circles for two weeks with incorrect information no less. Below are the unauthorized inquiries that I am not aware of and should be removed. 

XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX
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. 
Account name : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

A few months ago, I examined my credit report and discovered inaccuracies regarding the account CCB/XXXX ( XXXX ). This is a breach of my rights. I disputed these errors directly with the XXXX credit bureaus and the creditor, but only received generic feedback. As a result, I am filing this complaint based on my investigation. The company is violating sections of 15 USC.

15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC Code 1666b This code establishes that a creditor may not treat a payment as late on an open-end consumer credit plan account unless the creditor has adopted reasonable procedures to ensure that each periodic statement that includes the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor no later than 14 days after the close of each billing cycle.
Product: Debt or credit management

My paycheck was garnished by XXXX XXXX which I has submitted to Derek Williams Law group who is doing debt consolidation for me. XXXX XXXX did not recognize that I had given them a POA. After the garnishment I notified Derek Williams Law group and they removed the debtor. The judgment was settled and should have been removed in XX/XX/year>. On XXXX XXXX I received a random email from a XXXX XXXX for XXXX XXXX XXXX XXXX stating they were working on this debt with XXXX XXXX XXXX and it was already settled in XXXX. I emailed her at XXXX and received no response. I tried to get a lease and they said there was a judgment. So had to call everyone to figure it out. XXXX XXXX can not talk to me because it still shows this XXXX XXXX person as my " attorney ''. I don't know who that is or what is going on. But no letter of revocation was sent by XXXX XXXX or Derek Williams Law Group to date. I called Derek Williams Law Group to see if they could send one ASAP. I was told to wait 48 hours. My primary complaint is against XXXX XXXX and his associates. I need this judgment removed from my credit asap because I can't find a place to live and I will be homeless. Emails used wrong heading for case title.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$2900.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

I have a XXXX XXXX loan from XXXX XXXX XXXX XXXX ( Account XXXX XXXX ), which was serviced by XXXX ( XXXX XXXX account is- XXXX XXXX XXXX XXXX XXXX XXXX In my Federal Student Account the XXXX XXXX  is showing a balance of {$270.00} which is currently being reported incorrectly. The balance of the loan is actually {$0.00} and was paid off in XXXX. The loan is also being reported incorrectly to credit agencies, as a balance of {$270.00} when it should be reported with {$0.00} balance and paid. Please see the payoff letter from the XXXX XXXX XXXX below. 

I have contacted the servicer ( XXXX  ) multiple times and asked them report this XXXX as paid in full and owing {$0.00}. This XXXX XXXX  has been paid off since XXXX and XXXX has incorrectly been reporting a balance owed from XXXX-to present day XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was submitted for Bank of America listing incorrect information namely the high balance on the account and also the open/ close dates and date of last payment I believe were and still are reporting incorrectly. I sent in a handwritten dispute through US certified mail to XXXX On XX/XX/XXXX and specifically listed the inaccuracies reflected on this particular account which I named above. ( Dispute letter is attached ) XXXX  received the dispute on XX/XX/XXXX according to my return receipt. Today XX/XX/XXXX I spoke with 2 representatives from XXXX over the phone. I was told by the rep XXXX who stated he was a senior supervisor. Informed me the the account from Bank of America that the dispute had been completed and that not only was the information I requested be reviewed was not updated at all. It was also updated on this account that I am now in a charge off status and that I now have a past due balance of {$1100.00}. There were also updates ( incorrect ) saying that this account was included in a dismissed bankruptcy, also incorrect it was included in Bk docket # XXXX XXXX XXXX IA Bankruptcy court. This debt has been discharged since at leastXX/XX/XXXX. When I questioned the representative XXXX about this blatant misinformation he stated to me it was nothing he could do that BofA reported the information as updated and it would remain as such. He stated to me he had access to the US government website that has all bankruptcy information. He stated to me that it was not PACER however, that it was something only a credit bureau could access. He told me if I had anything else to discuss or dispute about the account it would have to be done directly through the creditor BofA. Representatives are very hard and difficult to work with at XXXX and they often outsource the calls to overseas locations with representatives giving out completely inaccurate information. I had to specifically ask for an American representative in order to get this information. I also stated in my letter to XXXX to actually send me something with validation from the creditor BOfA, like maybe a contract, printout of charges, interest charges, as to how they came up with this balance of {$1100.00}. With that being said BofA still updated this account with inaccuracies and at this point they are in direct violation of the FCRA by reporting inaccurate information. XXXX isnt being helpful with getting this fixed either they can see this account was included in a discharged BK however even knowing that they are letting this information remain on my credit report. It seems like disputing things dont mean much if they only go with what the creditor is reporting and not having any type of validation or proof that whatever this creditor is reporting is accurate. It seems as if whatever the creditor reports thats what stays no matter if u have clear proof in which I do proving this account is reporting inaccurate information.
Product: Checking or savings account

Writer provided {$5000.00} check for services rendered. Check was mobile deposited by receiver. During mobile deposit process, Wells Fargo improperly transcribed the account number and tried to withdraw the funds from the incorrect account. The withdrawal failed and the check was deemed as NSF. The writers bank, XXXX XXXX, noticed the mistake and corrected it and continued to send the {$5000.00} to Wells Fargo after Wells Fargo had already bounced the check. I received a charge back for a bounced check, but the writer has {$5000.00} withdrawn from his account and it has not been returned. I have filed multiple cases and complaints with Wells Fargo and they have not been able to locate the funds. I have been in contact with Wells Fargo for three months now and have had claims out for two months and they have barely been in contact with me and have not done anything to locate the funds. XXXX XXXX bank has accepted no responsibility for improperly sending funds that were not expected, and will not cooperate in helping to contact Wells Fargo and locate the funds.
Product: Vehicle loan or lease

I had a new Car Loan with Chase Bank, my then husband and I were both on the loan. He filed bk we divorced and in order to continue the loan I had to refinance the loan. I refinanced the loan with XXXX XXXX XXXX XXXX. I was the only person dealing with Chase, I had no address for my ex-husband, and Chase sent him the Title. He then took the title and registered the car in his name in the State of AZ. He threatened me if I did not give him the car he would report it as stolen. I went back to Chase Bank asked they why they sent the title to him? They tried to correct it, by requesting a duplicate title, but could not. Now I am stuck with a loan, he has a title that does not have a lien on it. I asked XXXX XXXX XXXX XXXX if I could do a voluntary repo, and then catch the note up and was told can not, because they do not have the title. Chase Bank caused all of this confusion, and this loan should be paid off by them, or they need to locate the car and return it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are last payments being reported on my Credit Report XXXX XXXX XXXX XXXX ( XXXX  ) Acct # XXXX Late Payment : XX/XX/2022 XXXX
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

I received a paper in the mail stating about my new account with XXXX XXXX it is a bank XXXX XXXX feature with cash checking checking account that was opened in my name with my credentials but the email address is Someone else 's I never opened this and thand this is the 2nd company that has this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining about XXXX XXXX XXXX. They reported late payment on my credit report consistently even when I told them that I am in dispute with the school on the amount since I withdrew from school and their action single-handedly destroyed my credit report, lowered my credit score to the point that at the moment everything I am trying to do to get ahead in my life after a family event of my my wife getting sick and I had to even resign my job to primarily care for her is impossible. Before them my credit score was about XXXX and they by their action reduced my credit score to about XXXX.
Product: Debt collection

On XX/XX/24 Ive noticed on my credit report a debt collection, I have no idea was open under my name and social. The name of the company is LVNV Funding LLC, XXXX SC, XXXX, they are collecting for XXXX XXXX for {$830.00} dollars. I contact them and was told to file a complaint online before removing this debt off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 states a consumer reporting agency can not furnish without my written consent 15 USC 1681 a. Defintion rules of construction ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Late payments are illegal XXXX XXXX reporting late payments XXXX XXXX late payments
Product: Vehicle loan or lease

Wells fargo bank has lost there moral compass. I have been dealing with them for 1 year to the day. They are suppose to be getting me outside mitigation and in my eyes there now guilty of fraud. The bank sent a letter today and it states that they are notifying the trustee in a 2013 bankruptcy I had to file because of them putting CPI on my auto loan and causing me to default that if they give me more than XXXX what I have gotten so far they will submit a claim to the trustee to get there money back. FRAUD. Scammers They need to be run out of business.
Product: Debt collection

I was contacted by XXXX in XX/XX/2017 attempting to collect an amount of {$110.00}. I advised the lady call I did know who that are an as far as I knew I did not owe them any money. The lady was told by me to provide me proof of the debt in the form of an contact or signed document that I entered into the debt an would happily pay the amount if I owed XXXX the {$110.00}. She stated that she did not have any document of this type. I informed her that would not pay the {$110.00} until someone could prove to me that I owe this debt. Then in XX/XX/2017 I received a letter from XXXX XXXX XXXX. A letter was sent to them stating that I do not owe this debt. This debt appeared on XXXX and XXXX  credit reports. The refuse to remove this item from the credit reports, but them still have not provided proof of the debt.
Product: Debt collection

Lvnv/ resurgent have been doing bad practices Ive disputed and shown evidence of this company taking advantage of my right. Now its been over 30 days without a response to my XXXX dispute please delete Ive contacted them and theyve been extremely rude. Putting me on hold and the manager would not let me get a word out about this issue this has been the worse experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended to XXXX College - XXXX XXXX and was advised by XXXX XXXX XXXX to take a private loan. This loan ( s ) has been sold to different asset management companies. The latest is XXXX XXXX XXXX who bought the loan and is currently the owner of it. Now, regardless who the owner of loan is, the manager of this account has always been XXXX , XXXX to whom I've been on a payment plan for awhile ( automated monthly payments are taken out of my credit card ) even though am on a payment plan with XXXX , XXXX XXXX XXXX XXXX ( new owner of the loan ) has reported my accounts ( 2 student loans ) to  collections. They do not honor the payment plan with XXXX , XXXX even after they became owners of the loan I was notified that XXXX , XXXX will continue to manage the loans and the my payment plan with remain in good standing for 12 more months.. I filed disputes with 3 major credit bureaus and they denied my request to remove negative collection information from my credit report because XXXX XXXX XXXX does not honor the payment play they notified me in writing about at the time they bought the student loan.
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted