23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom this may Concern : I am writing this today to file a formal complaint against this company LVNV Funding INC and XXXX XXXX XXXX. This company has been sending information all over the country about a debt it has purchased that was the result of Id Theft that i was a victim of when i lived at a previous address. My ex boyfriend XXXX XXXX opened account 's in my name because i was suffering from health issues at the time and he was my primary care giver. He was even found guilty for Extortion because he was trying to defraud a man he was involved with of money because he gave the man XXXX. 

This company has hired another company to harrass me and threatened to sue me in court because i owe this bill and they know i owe the bill and that i was gon na pay. I called XXXX XXXX and told them about they sent information to my mothers house that lives like almost a hour away and she opened the letter and feared for my life because of the threats. This has been very devastating to my XXXX and my well being being accused of a crime and i didnt commit one. 

They are using third parties in the state of Mississippi to threaten me and send letters to different address that belong to my family members. This is breaking the law. The name of the company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX this company threaten me and actually prosecuted me and i wasn't in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX, XXXX  or Transunion throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

All payments made to the company are reported incorrectly as Auto Payment Draft -Not the payment method I used. Payments I made to the company were not respected. The credit card company closed my account without notice because their system has not reported my payment history correctly. It may be cv-19. I would like the account  corrected and the restore my credit history. I have receipts of payments made that prove my Good Payment history. The credit card company drags my payments down to a Auto draft payment then months later shows the payment method I used was not a Auto draft payment but leaves a non-payment charge on my account untill the account is closed.
Product: Credit card

I was charged {$220.00} on XX/XX/year>, by a merchant for a service and a special-order item that was never delivered. The merchant has not responded to multiple follow-ups. I contacted my credit card issuer ( Imagine, a XXXX card ) to dispute the charge within 120 days of the expected delivery date. They refused to initiate a dispute, stating they dont allow it, even though Visa policy supports disputes in cases of undelivered goods. I have documentation and evidence of my attempts to resolve this, and I am seeking a refund.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX  XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Debt collection

I started a dispute with Southwest credit agency regarding a prior rental property reporting false and inaccurate information. I sent over pictures, and complaints that were filed 3/4 months prior to my move out regarding these damages and regarding the suit filed against me which was not awarded to the property. The things that this company is charging is false and all of the information I sent proved that this company was false reporting information and amounts. Southwest has yet to correct this mistake, but they are working directly with this company and not working fairly to not report or to report accurate information. I will also peruse legal action if this is not corrected.
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 Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

My wife and I went to look at vehicles for purchase. We were trading in our XXXX  for another XXXX. The asked us how our credit XXXX scores were. I said XXXX hundreds. We were successful I. Getting the car. The next couple days following I would see my credit score go increasing lower due to extreme inquiries from car loan banks hitting my credit report. I did not tell the salesman it was okay to pull my credit. I told the. To wait until I looked around. Its unfair that banks can do that to a persons credit. Im right in the middle of trying to refinance my home and was denied do to wrongful credit reporting.
Product: Checking or savings account

I was alerted via text from my bank ( Chase ) that there were some fraudulent transactions and asked if I made them o responded no which immediately closed my debit card and I immediately called the back to talk to them about me not making these transactions, I was told that they would investigate, they put the money into my account, less than a week later the money came back out and I called again they said it was just a temporary release of the money and that it would go back in by a certain date which it did, less than another week later it came out a 3rd time and I called they told me that my claim was denied because the purchases were made online through my XXXX XXXX, I was told if I could prove it wasnt me that I could get the money back, I was asked to send in my time card from work which I did and it was denied, I was told it was not sufficient enough because it was a picture of my time card, I told them I work on a XXXX  and all my time card info is on a computer, then I was told if I filled out a police report and then in it I could get the money back, I went that same day and did this, turned it in and again was denied saying that was not sufficient enough either, I called and asked for the boss of the people I have previously been speaking to and was able to talk to him, he admitted that it was a scam due to a one time code being used, he also told me that nobody at chase except for certain people should of ever asked me for the documents that I was asked for and that he was sorry that someone did so, he admitted the transactions were scams and told me that I would not be compensated the money that was taken from my account, there were 3 transactions totaling XXXX and some change
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 15 U.S.C. 1681 Account : XXXX Account # XXXX Account : XXXX XXXX  # XXXX Account : XXXX # XXXX Account : XXXX XXXX  # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account : XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX  XXXX # XXXX 15 U.S.C. 1681 section 602 A : States I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

TO WHOM THIS MAY CONCERN : ON XX/XX/XXXX, I CONTACTED NAVIENT STUDENT LOANS AND I WAS CONNECTED WITH A YOUNG FELLOW. ALL OF MY CALLS ARE RECORDED DUE TO THE TYPE OF APPS I HAVE ON MY PHONE, WHEN IT WAS PURCHASE. EVERYTHING THAT THE GUY ASKED FOR, I TOLD HIM. I EXPLAINED TO HIM THAT I WAS ON WEDGE EARNER AND MY STUDENT LOANS WHERE ADDED TO THE WEDGE EARNER, LAST XX/XX/XXXX. HE DID'NT WAN NA HEAR THAT. I ASKED TO SPEAK WITH AN SUPERVISOR, AND HE WENT ON TO SAY, THEY ARE GON NA TELL YOU THE SAME THING, I THEN REPEATED MY SELF SEVERAL TIMES AND FINALLY HE NEVER SAID HOLD ON, I I HEARD MUSIC AND ASSUMED HE WAS PLACED ME ON HOLD. HE WAS VERY RUDE AS WELL AS YELLING AT ME STATING '' HE DID NOT GIVE ME PERMISSION TO RECORD HIS CALL ''. AFTER BEING ON HOLD FOR ALMOST 1O MINS ( RECORDED ) HE THEN TRANSFERRED ME TO A DIFFERENT CUSTOMER SERVICE MEMBER INSTEAD OF A SUPERVISOR THEN I HAD TO WAIT AN ADDITIONAL 10 MIN TO SPEAK WITH SOMEONE ELSE. MY HOLD PHONE CONVERSATION WAS RECORDED. IF HE ACTED LIKE THAT WITH ME, THERE'S NO TELLING WHO ELSE HE HAS ACTED THIS WAY WITH.I 'M TRYING TO LET YOU ALL HANDLE IT FIRST BEFORE TAKING IT FURTHER TO COURT. MY CALL BACK NUMBER IS XXXX. AGAIN, NO ONE SHOULD HAVE TO EXPERIENCE THIS KIND OF BEHAVIOR TOWARDS ANYONE. I REMAIN PROFESSIONAL AND MANNERABLE, BUT HE DID NOT.
Product: Checking or savings account

XXXX activity was performed on my account i disputed the transactions and also requested for a new debit card an on XX/XX/XXXX i called chime support to see if they had any updates on my transactions an the representative was being very rude to me after we got off the phone a few minutes later i got an email saying my account was closing on the XXXX of XXXX and then on the XXXX of XXXX they provided a temporary credit to my account of {$600.00} that was scammed out of my account i called asking how was i going to receive these funds if you guys closed my account for no valid reason and they said they were sending a check i still have not received a check an they are also claiming that no errors occurred on my account which is false
Product: Prepaid card

CFPB took no action to resolve current government programs elebilities master 's visas transfers identities lifelines match Data corrections regarding email mobile numbers and active devices headset wireless profile components connection real time watch reporting XX/XX/year>
Product: Money transfer, virtual currency, or money service

To whom may concern, I went to one of the XXXX locations at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX for wire transfer money to my family overseas. I personally counted my cash 3 times before the arrival of the location. I was also the only one who touched the money before giving it to the owner of that business. I handed the exact {$20000.00} cash in a combination of {$100.00} and {$50.00} bills to the owner who runs this business. He first told me that he has a " Special way '' instead of going through the Moneygram system. I asked him what that means, he responded with he could make this transaction off the book so IRS won't know I have such a transaction. He then took my money and secretly counted it by doing it in a blind spot of all cameras and didn't let me look at it. He then put the cash into a cash counting machine and told me that I only gave him {$15000.00}. That's {$4400.00} MISSING. I confronted him and wanted him to see if there is any miscount, but he insisted that this was the exact amount and denied that he stole my money. I called the police then the police checked the camera and told me that they couldn't really tell anything because the camera didn't catch anything due to he was hand counting it in a blind spot before put it into the cash counting machine. I need help!! We can't let this happen!! I want my hard-earned money back!! 

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

On date XX/XX/2022 I sent a dispute letter to Experian regarding these following accounts accounts. XXXX XXXX  XXXX XXXX and XXXX XXXXXXXX. They responded on my request XX/XX/2022. And they are in Violation of Section 623 notice of dispute. Pulled my credit report today XX/XX/2022 and the notice of dispute was not there. By law they are required to put notice of dispute within 30 days when they received the dispute.
Product: Credit reporting or other personal consumer reports

there are dismissed bankruptcy judgements on my report that are inaccurately reporting. 
Under 15 US Code 1681a ( 4 ) i have the right to privacy as a consumer and these judgements should not be reporting case number # XXXX filed on XX/XX/year> in XXXX Bankruptcy court and case number # XXXX filed on XX/XX/year> in XXXX Bankruptcy Court should be deleted
Product: Credit reporting or other personal consumer reports

They are not suppose to be on your consumer report unless you gave the creditor permission to report your transactions to the consumer reporting agency and is Inaccurate information and fraud to the IRS .never sent 1099c and under XXXX  say XXXX  nd loss and, write off.
Product: Credit card

In XXXX XXXX a fraudulent credit card account was opened in my name at Capital One. I learned about this in XXXX XXXX when obtaining a loan for a vehicle for the company I own. This was the first knowledge I had of this, since I had received no statements or other correspondence from Capital One regarding this account. I have been having a mostly one-way correspondence with Capital One ever since through phone calls, faxes and written letters requesting information and investigation. 

When no real information was coming from Capital One, I recently filed a police report and their investigation is currently ongoing. A copy of their report so far is attached. I also finally received requested copies of statements from Capital One - ones I never received in the mail at the outset. Both are attached here. I sent both of these to the XXXX, XXXX XXXX and XXXX yesterday in an effort to clear this fraud from my credit records. I have also requested from Capital One, but not received, a copy of the application for the credit card. 

I continue to get letters from Capital One despite all my correspondence with them, saying that I am responsible for this fraudulent debt. A copy of the most recent is attached here. The attached statements, which took 5 months plus to get from them, show that the whole amount was transacted in one day, in many small increments, from one ATM in XXXX. I have never been to XXXX, I have never used an ATM, and I have spent no small amount of time writing to and in conversations with many different representatives at Capital One. I do n't understand why Capital One has n't considered the circumstances and mode of withdrawal of these funds to be suspicious or possibly fraudulent. See attached letter from Capital One dated XXXX XXXX, XXXX. 
I am filing a complaint against Capital One for tarnishing my credit rating without proper investigation following repeated requests and for their failure to reasonably communicate with me about this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is identity documents for verification of my identity. Banks, credit unions, creditors, and lenders are having an issue of obtaining my credit report and credit score from Clarity Services , Inc., Experian Consumer Support Division, Experian, and XXXX. Lenders need to be able to pull, access, and obtain my credit report from Clarity Services , Inc., Experian, and XXXX. I want Clarity Services , Inc., Experian, and XXXX to delete and remove all fraud alerts and extended fraud alerts from my credit report and release my credit report and credit score to any bank, credit union, lender, or creditor who request my credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has reported unvalidated and unverified accounts on my consumer credit report. I do not have a relationship with the alleged debt collector. I do not have a signed contract with the alleged debt collector. TransUnion has violated my right to privacy and failed to properly validate an alleged debt before placing the account on my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Upon reviewing my updates, incorrect information was found in my reports. The EXPERIAN Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I have a mixed file ( or possibly identity theft ) on my credit report. I just ordered my report with Experian and realize there are addresses, name & account that do not associated with me. 

Below are two accounts that is not associated with me XXXX   XXXX XXXX Account Number XXXX XXXX   XXXX XXXX Account Number XXXX Name that appear on my credit report : XXXX XXXX
Product: Checking or savings account

I have PNC Bank. Since XX/XX/2019, I have been compromised a multitude of times. I even opened up a brand new account with them. I still CONTINUE to be compromised. Their security is faulty and lacking, and I've lost THOUSANDS of dollars with PNC. They haven't done anything to better secure my account, they just keep doing the same thing over and over again, with the same result -- my account by compromised. Someone has been using the " card free ATM access '' to withdraw money, has been using XXXX and XXXX to transfer funds, and using it at various retail locations, including XXXX XXXX. I've been compromised so many times, I lost track. I can't even list every time I've been compromised because it's been THAT excessive. Recently, there's been over {$100.00} taken out of my account by XXXX " XXXX '' or whatever her XXXX   name is. I can provide records of the transactions I did not make starting with the new account back to XX/XX/2019 upon request. I would have to go through with my bank and go through which transactions I disputed ( there's too many to count!!! ). They haven't given me any credit to my account, resulting in me not being able to pay bills. Now with my fiance out of work due to COVID-19, it's even more critical I get this resolved. I want my hard-earned money back NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert through credit wise starting that my score dropped -50 points due to a {$47000.00} increase in Dept. 
When I reviewed my and report there were know new dept reported. My mortgages had been paid on time so they decrease. The only increase was in credit card and it was less than {$3000.00}. 
When I added all my Dept, it has been between 165k and 167k for the last several month. The report stated that it had risen from 119k to 167k on XX/XX/XXXX. After speaking with XXXX from XXXX XXXX, he says that they must have reported score incorrectly in the past. 
This sounds like a bias move that the credit bureau has made to lower my score which in turns puts me in a less desirable category for favorable credit, interest And insurance prices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts inwhich I'm disputing are not mines and deemed to be fraudulent and I'm demanding that they be removed immediately from my credit file. Please block these accounts, 1 ) US Dept of Education {$3500.00} 2 ) US Dept of Education {$5800.00} 3 ) Dept of ED/XXXX  {$4000.00} 4 ) Dept of ED/XXXX {$3500.00}