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

Hello I have never had a credit WITH LVNV Funding, XXXX XXXX  XXXX, and XXXX XXXX. I will like for them to show me documents proving that I have signed up for this credit with my signature. If not which they want have because I have never been with any of these companies.I want removed off my credit asap.LVNV funding and XXXX XXXX  XXXX was removed off my credit report and for some reason they were added back on my credit. I never had credit them and want removed for it is causing my credit score/ report to look bad. 

Thank you
Product: Debt collection

The services received from the original creditor we're covered under medical insurance for mental health with a {$0.00} copay medical insurance was billed and then I received bills from collections agency saying I owed money when I didn't see anything because the services were covered
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 XXXX XXXX XXXX. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : DEPT OF ED/AXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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: Student loan

Arete Financial Group has been taking money for Student Loan Forgiveness and has not been using it to pay my student loan debt. I recently got an email from the Federal Trade Commission v. American Financial Support Services Inc., et al.

Here are the email contents : The lawsuit Federal Trade Commission v. American Financial Support Services Inc., et al. 
***Do not REPLY to this email. If you have questions, send them to XXXX. 
You appear to be a customer of one of the student loan debt relief companies identified below. These companies have been sued by the Federal Trade Commission for deceptive practices and taking unlawful advance fees. The Court has appointed a Receiver who has suspended the companies operations. 
We recommend that you immediately contact your student loan servicer about the status of your student loans. A list of approved student loan servicers can be found at the U.S. Department of Education Student Loans Website : https : //studentloans.govXXXX 
The Receivers office has set up a webpage with additional information about the lawsuit. XXXX XXXX XXXX We will post updates on the website as the case proceeds, and you can also review a list of Frequently Asked Questions ( FAQs ). The Receiver receives many emails with questions from consumers. We can not respond to each inquiry separately but will update the FAQS as questions come in. In the meantime, we again stress that you should contact your loan servicer The Companies which have been sued : XXXX XXXX XXXX XXXX XXXX ; Arete Financial Group, also doing business as Arete Financial Freedom ; Arete Financial Group LLC ; XXXX XXXX XXXX, also doing business as XXXX ; XXXX  XXXX XXXX , also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX , also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX , XXXX , formerly known as XXXX XXXX XXXX XXXX XXXX and also doing business as XXXX XXXX XXXX and XXXX ; XXXX XXXX  XXXX XXXX , XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurately the amount of time the account has been 30 days, 60 days and 90 days past due as compared to Experian and XXXX. The firm in question is XXXX XXXX XXXX. This firm is also currently under litigation by the attorney generals of several states for illegal and unfair practices towards consumers.
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 confidentially under 15 USC 1681 On XXXX the XXXX XXXX I told the XXXX, XXXX, and Equifax to reinvestigate these 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 However, they stated everything was complete and accurate but how is that possible if the open date, of that activity in much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. When I call the consumer reporting agency and ask how did they get this information on my credit report they had told me the financial institution ( Banks ) which will be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also XXXX XXXX had gave it to them without my permission that is a violation of my privacy right under the Privacy Act of 1974 that is identity according to 15 USC 1681 permissible purpose. Also violated the code fcra/ftc/cfr and USC codes. I was not involved with these transactions they have stolen my non-public personal information and also the financial institution when it gets their terms and conditions under their privacy policy that they have made with me at the time of opening the accounts that they will not share my information to non-affiliates XXXX, XXXX, Equifax and early warning services are third party companies. IT'S CALLED DAMAGE TO ME SUFFERING STRESS DEPRESSED LOST MY FAMILY LOST MY HOME CAUSE XXXX  CONFUSION AND WHEN I FOUND OUT ABOUT WHAT WAS GOING ON IT CAUSE MORE XXXX TO MY SEVERE XXXX WHERE I HAD TO DOUBLE UP MY DOSE. THE FINANCIAL INSTITUTION ( Banks ) been buying and selling my non-public personal information without my permission or without my written. Also XXXX XXXXXXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting AC may make any Consumer report containing any of the following items of information any other advice items or information, other than breakers 2 convention of crimes which antedate the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ). A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has responsible calls to believe that the information is incorrect. 

I also opted out out of all these account and it's still on my Consumer report
Product: Debt collection

Complaint against PennyMac Loan Services , LLC and real XXXX XXXX XXXX who collects my money via XXXX agreements with XXXX XXXX XXXX. First, I demand both Servicers to stop using artificial intelligence [ robots ] to respond my complaints. All responses filed with CFPB are computer generated runarounds which is unlawful under UCC ; R1002 and many other laws. According to these robots, here are numerous transactions labeled as non-recoverable which are not owed by me. Then by WHOM these " transactions '' are owed?

I demand to provide me direct contact information of an authorized individual employee of the Creditor who knows who paid for " non-recoverable '' transactions which calculated at nearly {$300000.00}, and how much was paid.

Also, please provide me direct contact information to the authorized employee of the Creditor to discuss my options under VA programs offered on XX/XX/year>.
Product: Debt collection

XXXX XXXX has called me numerous times a day leaving messages stating that I must call him immediately about my case and that they will be garnishing my wages. He then proceeded to call my mother, step mom, and both sisters and gave them personal information. He told them I wrote a bad check, or that it was a legal matter. Both of which are false. I had already spoken with someone there about making payments, but they still call my family members and threaten to call my work. Also, I requested they mail me verification of the account and they refused. The woman argued with me saying my contract with XXXX was now theirs and that everything I agreed to with them, I had agreed to with her company.I told her that since she was n't the same company, I had not signed a contract with her. She got very upset and then finally agreed to mail me a letter.
Product: Checking or savings account

Basically my bank account overdrew by {$400.00} because I miscalculated my new rent amount. I moved on XX/XX/2021. Not super salient to this conversation but my family in XXXX all came down with XXXX  over the weekend. 

I was moving that day and so could only put cash in the ATM the same evening. Had to draw it from an emergency account. 

However I got hit with {$70.00} in overdraft charges anyway. Even though I put cash in the ATM the same day at XXXX XXXX 

I attach a transcript of my conversation with the bank. This is definitely super wrong. I don't understand how the bank can legally keep a structure that makes this behavior permissible here in California, or how this is allowed anywhere in the XXXX. Regulators check these predators please!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Product: Credit reporting

EQUIFAX has technical issues regarding a credit freeze, that I want removed.On last Friday,XX/XX/2016, I attempted to use the Equifax website for removing a security freeze.The website does not function, except in authorizing my credit card for XXXX dollars.I CALLED IN TO EQUIFAX SECURITY FREEZE DEPT.they authorized my card again and said the freeze lift would be complete within 15 minutes.I applied for credit with XXXX creditors, they have XXXX spoken to me about the freeze they need lifted to complete their respective credit transactions.I HAVE SPOKEN TO EQUIFAX SECURITY FREEZE DEPT. again 3 more times.THEY HAVE authorized my credit card 2 more times ( proof enclosed ) and still can not release the freeze.THIS INCOMPETENCE AND TECHNICAL PROBLEM IS IMPACTING ME AND MY BUSINESS NEGATIVELY, AS EQUIFAX HAS STOPPED MY CREDIT TRANSACTIONS.A large credit union suggested I make this complaint.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
XXXX XXXX Sincerely, these are the accounts 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XX/XX/XXXX, my husband and I went to XXXX XXXX XXXX and purchase XXXX XXXX XXXX XXXX XXXX XXXX  for {$3900.00}. The salesman XXXX XXXX mentioned the store was offering a credit card promo / special offer as noted on the Sales Order Ticket : " No interest if Paid in Full within 12 Months. Interest will accrue to your account at 34.90 % from the purchase date if the purchase is not paid in full within 12 months, or your account becomes 180 days past due, or is charged off for any reason. Monthly minimum payments required. As a reminder, paying only the monthly minimum payment amount each month may not pay off your purchase within 12 months. You may have to make additional or interest payments during the deferred interest period to avoid having to pay the accrued deferred interest. '' To give my husband and I more time to pay-off the furniture at the same price, I applied for the credit card and was approved. We were surprised to see our first bill from Concora Credit ( Credit Service provider for XXXX XXXX XXXX ) with an added {$9.00} Monthly Fee. Although we disputed the fee, it was to no avail. Yesterday, XX/XX/XXXXXXXX I just received a response from Concora Credit, dated XX/XX/XXXX to my Monthly Fee dispute. My husband and I have made to payments for {$320.00}. It's out intention to pay-off the furniture in 12 months as agreed. 

We do not intend to pay the hidden fee of {$9.00} per month or {$110.00} annually. XXXX & XXXX and/or Concora Credit should not be allowed to trick, strong-arm, or force consumers to pay a fee which was not disclosed or agreed to with the threat of messing up a consumers credit report and score.
Product: Debt collection

I recently reviewed my credit report and found some accounts that do not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. 

Account Name XXXX XXXX I called the creditor to get some information on the account and they informed me that they do not have the account. The account was given to XXXX XXXX XXXX XXXX XXXX. I then asked how are they reporting debt that they do not have or can't give me information on. The customer service rep just said sorry it's nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts have violated my rights : XXXX 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: Checking or savings account

Deposited a refund check for {$530.00} on XX/XX/2023 into my personal checking account. On that same day Navy Federal Credit Union deducted {$450.00} from that same personal checking account without my permission to apply to a Navy Federal Credit Union Unsecured Credit Card charge off account with a balance of {$9200.00}. The remaining balance on that account is now {$8700.00}. I called Navy Federal Credit Union and told them I want my money returned to my account and they refused and said they will continue to take money from my account whenever they want until the balance is paid off or I call and make payment arrangements to voluntarily pay down the balance which I will not do because I am unemployed disabled and have no money left to pay for anything.
Product: Checking or savings account

Ive had a checking account with citibank for approximately 7 years and over a week ago I became aware that they have decided to closed my account, I got in contact with them via phone and I was not told an specific reason as for why did they closed the account, they told me that they have sent me a check with the amount of the funds I had in the account but I have not received it yet, I Am writing this complaint because I need help getting my my funds back, since its all the money I have at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) 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.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are trying to buy a house and the realtor that we are working with ran our credit today XX/XX/2020 to see what we qualify for but he told me that we would not be able to get a home loan right now because my credit report came back with several negative accounts. The accounts are from XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX and US BKPT CT  CA XXXX XXXX. I never opened an account with any of these companied nor have I ever filed for bankruptcy. I have never given anyone permission to open an account in my name ; I did not benefit anything from any of these accounts and I did not contribute to any payments made or any purchases. I filed an identity theft report with the federal trade commission as well as a complaint with the CFPB.
Product: Debt collection

I had a bill with XXXX that went to collections. It was on my report for over 7 years and dropped off. Then came back with a newer date. It is through XXXX XXXX c/o
Product: Credit reporting, credit repair services, or other personal consumer reports

had my vehicle stolen and burned. I contracted XXXX XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. I have disputed this issues with all 3 credit bureaus ( XXXX, XXXX    and Trans Union ) and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. XXXX  list the amount owed as {$4200.00} ... XXXX XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. See the enclosed attachments ....
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX 

XXXX Account Number : XXXX