23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

I had a car accident on XX/XX/2017. I took a leased car on XX/XX/2017 from the XXXX of XXXX XXXX. The loan was pre-approved from XXXX XXXX XXXX, but the GAP company didn't process the payment they had to make for the car I lost in the accident. The dealer was scared to lose the contract with the new car. They looked at my credit score at the beggining, so I think they started to check my credit score again three times with three different companies without my permission, change the contract, and try to sell me the car instead of leasing it.
Product: Money transfer, virtual currency, or money service

At the time I believed the scammer was selling a XXXX XXXX for {$500.00} and I saw on his XXXX stories section that there were numerous satisfied customers who had gotten their products. I messaged the scammer and upon sending the payment I was told I would receive a tracking number shortly. However when I later asked for more information and got no response I requested a refund through Zelle but when I informed the scammer of this I was blocked from their account. I have screen shots of the account if needed. Here are screen shots of the chat, proof they blocked me after I requested a refund and the item in post made by the scammer. I have already filed claims with Zelle, XXXX  XXXX XXXX, FTC, IC3 and reported the account to XXXX. currently XXXX  XXXX XXXX is doing an investigation but I was told there is most likely nothing to be done. However I believe that something can be done if these companies act quickly enough
Product: Student loan

I requested a review of my account after receiving Public Service Loan Forgivness in 2021. I have all of my documentation ready to send in and they will not respond to my email about where to send it. They have an email address to respond to in their base email about my request, but I have sent 3 emails and also spent almost 2 hours on the phone on a wild goose chase trying to call all the lenders for a contact person to send this to.
Product: Debt collection

I am constantly harassed by collection agencies that I have never had any business with over the course of five years. The latest " agency/arbitrator '' that contacted me threatening to garnish my wages up to 25 % was XXXX XXXX XXXX from ( XXXX ) XXXX. They had my social security number and my date of birth. The debt I owed was paid in full in the year 2011 and I have been harassed since then by multiple collection agencies and arbitration offices that have little to no information publicly available. Whenever the collector is pressed for information about how they got my personal details, they get defensive or disconnect the telephone line.
Product: Credit reporting or other personal consumer reports

I did not authorize any of these inquriies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year> I visited my local branch ATM the Citibank located at XXXX XXXX XXXX XXXX, XXXX XXXX California. I proceeded to deposit {$2000.00} in cash via the ATM and the ATM gave me an error then did not credit my account with the deposited funds. I immediately went into the branch and informed them of what had taken place. I was asked to contact customer service and let them know to open an investigation. I did so immediately and the investigation number with Citibank is XXXX. I was told that I would receive a provisional credit within XXXX business days while the investigation took place. I have not received any credit nor correspondence from the bank, I have gone in and spoke with the branch XXXX, XXXX, at my local branch to inform him and he also was unable to help me. Ive contacted Citibank multiple times and just keep getting a generic response that the investigation is ongoing, but theres been no credit applied and no further information and were almost one month past the date of deposit. Please help!
Product: Mortgage

Acknowledgment of information in a response letter to CFPB from Mr. Cooper. 

XXXX XXXX is quoted as stating : " Our records indicate per the Agreed Order, the Proof of Claim ( POC ) amount was {$13000.00}. You were expected to make the first post-petition installment beginning XX/XX/2016, and were to continue making post-petition installments every month thereafter. '' Please review the attached document filed as the objection to the U.S. Bankruptcy Court which was grounds for the original confirmation not being approved. This document shows how the mortgage provider used tactics to delay confirmation hearing as well as the use of false documentation to the Federal courts. Mr. Cooper 's objection claim of XX/XX/2016, stated " Creditor intends to file a Proof of Claim in the approximate amount of {$20000.00} for past due payments ''. 

The mortgage provider 's own documentation in response letters is showing these inaccuracies.
Product: Checking or savings account

CHIME closed my account without notice and will not release my money to me I have reached out many times with no answer
Product: Debt collection

On or about XXXX XXXX, 2015 at or about XXXX I receive a telephone call from Port Folio Recovery and Associates [ ( XXXX XXXX XXXX ] in an attempt to recover a debt. I at the time received the call on my cell phone while attending worship services. All of my home phone calls are forwarded to my cell phone when not at home. 

I asked the person on the other end of the line exactly who they were and why they called on a Sunday morning. The person identified herself as XXXX an agent of the company and informed me that she can call any day of the week including Sundays in an attempt to collect a debt and that she was not in violation of the Fair Debt Collection Practices Act. 

I informed XXXX that my interpretation of the law was different from hers and that I would take appropriate action to rectify this use of unrestricted power of calling an alleged debtor on Sunday morning while in worship services.
Product: Credit reporting or other personal consumer reports

Subject : Request for Documentation and Compliance with the Fair Credit Reporting Act Dear XXXX  XXXX, I am writing to express my concern over the continued reporting of a charge-off account on my credit report, which I believe to be inaccurately reported. In light of this, I am formally requesting documentation to verify the accuracy of this reporting, as is my right under the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX  XXXX Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX  XXXX Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : This is a violation of my consumer rights, please delete immediately It is imperative that I receive concrete evidence showing that your reporting of this charge-off is entirely accurate. My objective is to ensure that my rights under the FCRA are not being infringed upon, especially regarding accurate and fair credit reporting practices. 

Given the serious implications of inaccurately reported credit information on my financial health, I urge your company to review this matter promptly. If the reporting of this account can not be verified as accurate, I request its immediate deletion from my credit report to comply with the FCRA 's requirements. 

I appreciate your immediate attention to this request and expect a timely response to this matter. Ensuring the accuracy of credit reporting is not only a legal obligation but a matter of financial integrity and consumer trust. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

it says taht my XXXX card took a hard inquiry hit last XXXX, i didnt do this, why why would i need to i have plenty of money avail on taht card, please remove herd inquiry, wasnt me,
Product: Debt collection

This company keeps sending mail and calling my phone to collect a debt of a family member. I sent a cease and desist letter and the address of the person but they keep sending mail and calling my phone
Product: Money transfer, virtual currency, or money service

Zelle is truly concerning- its handling of disputes, which is being put in light by the recent CFPB lawsuit, brings forward the multiple issues with the platform. I had a couple instances where I reported issues with Zelle and to my bank regarding transactions that were never investigated properly. I was simply informed that recovering lost funds impossible and that tracking these transactions was infeasible. The CFPBs has found that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  XXXX XX/XX/2023 {$2200.00}
Product: Checking or savings account

On XX/XX/year> I received an automated text that seemed it was from citi bank about a charge on my debit card from another state. The text had my name and said there was a charge on my Citi Bank Debit Card from another state that seemed fraudulent. The text said reply YES if this charge was you or NO if it was not. I texted back NO and received a call soon after from an individual pretending to be a Citi Bank representative. This man tricked me into sending a wire transfer of XXXX $ to another account under the illusion that this was the processs to cancel the fraudulent transaction from the text messages. This amount was all the money in my account and left only XXXX cents in my account. The wire was to a person with the name of XXXX XXXX. After the wire was sent he hung up. I called Citi Bank customer service immediately after the call who told me to wait until Monday to call the Citi Bank Fraud Department because they were closed for the weekend. By the time Monday came the wire had already went through and it was too late to recall the wire transfer. The fraud department said they would launch an investigation but their investigation concluded that the wire transfer was legitimate. I appealed and they said the wire was legitimate again. At this point one month had gone by since the transfer. Finally the fraud department offered to ask the beneficiary bank to return the funds. I did not receive an update on whether the beneficiary bank could return the funds until 4 months later. Citi Bank informed me the beneficiary bank was unable to return the funds. Even though the transfer was clearly fraudulent and I had my money stolen Citi Bank never reimbursed my lost funds.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED A DISPUTE TO EQUIFAX AND THEY SENT RESULTS STATING THAT THE ADDRESSES WAS DELETED HOWEVER IN THE SAME DOCUMENT THEY SHOW THAT THE ADDRESS IS STILL ON MY FILE. NOT SURE IF THEY HAVE MIXED MY CREDIT FILE WITH SOMEONE ELSE BUT THOSE ADDRESSES ARE NOT MINES. HOW COME THEY SAY ITS DELETED BUT STILL HAVE IT IN MY CREDIT FILE. IF YOU LOOK AT MY ONLINE SYSTEM IT SHOWS COMPLETED XX/XX/XXXX BUT IT STILL HAS THE SAME ADDRESSES ON MY FILE.
Product: Checking or savings account

Today i try to made a wire transfer to my doctor for XXXX but the sistem cancel so i call to see what was the problem and nobody try to help me they just say call back or go to a branch im in XXXX and i need to send the wire to pay for my XXXX on Saturday
Product: Debt collection

I do not owe the debt, they have sent a collection letter. The collection letter has inconsistent information, they are claiming there is a way to dispute it online on their website. 

Their website does not have any way to dispute it and they do not pickup their phone. No one is available to speak on phone line.
Product: Credit card

We previously had an AmEx XXXX card and purchased plane tickets through Delta using the card approximately 1 year ago. AmEx lost their business with XXXX and transferred the business to XXXX. After a recent complaint with Delta ( XXXX XXXX Delta computer crash ) they are going to refund us some $ $ $ but need to refund it to the old AmEx card that the tickets were originally charged to that no longer exists. Delta said I need a letter from AmEx stating the account is no longer valid. AmEx refuses to provide me with the letter. They state that their system will not produce a letter such as that. This is not a credit issue as we have excellent credit. We are already having an issue with XXXX failing to reflect a payment that was forwarded to them by XXXX when I sent a payment to AmEx after the switch to XXXX. I do not want to experience the same frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information was incorrectly reported concerning a late monthly payment on a Mortgage, documentation from the mortgage company stating that month was paid on time was provided, mortgage company provided evidence it re-reported correct information, yet I had extreme difficulty opening a dispute, and once the mortgage company resolved the issue 4 MONTHS LATER, I continue to have difficulty cancelling the dispute. This complacency and apathy on the part of Equifax is jeopardizing home refinancing.
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 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 with out 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 7 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

I have disputed this same account XXXX  XXXX XXXX with EXPERIAN for awhile no to no resolve.I requested an investigation into XXXX  XXXX XXXX reporting to my credit report as a charge offf.EXPERIAN states the item was " verified '' .My next request was a " method of verification '' used to validate said account and I never received it. Iv'e sent EXPERIAN a plethora of letters to correct my credit report and they have failed to do so.To date EXPERIAN has continued to report incomplete, unverifiable and inaccurate information on my credit report which has caused me damages.XXXX  and XXXX have removed charge off account, yet EXPERIAN  is still reporting act.According to the IRS publication a charge off is considered ordinary income and income in not reported to a consumers ' credit report, Therefore the charge off should be DELETED immediately.

EXPERIAN has violated the following FCRA laws : 15 USC 1681 e ) b ) 15 USC 1681i ( a ) ( i ) ( a ) 15 USC 1681 b 145 USC 1681a ( 4 )
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Notice to Sue for Inaccurate Reporting of Nelnet XXXX XXXX XXXX Account Dear XXXX XXXX Department, I am writing to formally notify you of my intent to take legal action against XXXX XXXX XXXX XXXX due to your continued failure to accurately report information on my credit report, specifically related to my Nelnet / Dept. of Education accounts, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.

Despite submitting multiple disputes, your company has failed to correct damaging and inaccurate remarks associated with the following student loan accounts : Account : ***** with a balance of {$4700.00} ( as of XX/XX/year> ) XXXX. XXXX  XXXX / NELNET Account : {$2100.00} and {$2500.00} in good standing XXXX XXXX. XXXXf XXXX : Closed Summary of Events : XXXX. I have formally disputed the inaccurate and damaging remarks regarding my Nelnet / XXXX. XXXX  XXXX accounts several times, beginning with a dispute in XX/XX/year> and subsequent disputes. 
XXXX. Despite providing clear evidence, XXXX has continued to allow inaccurate remarks, such as references to Bankruptcy XXXX XXXX and Student loan - payment deferred, to remain on my credit report. These remarks were removed between XX/XX/year>, and XX/XX/year>, yet inaccurate remarks were added again between XX/XX/year>, and XX/XX/year>, causing further damage. 

XXXX. The failure to correct these errors has caused a total credit score reduction of XXXX points, comprising an initial XXXX drop and a recent XXXX drop. 
Violations of Federal Law : XXXX is in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) for failing to conduct a reasonable investigation and for neglecting to correct inaccurate information on my report. This has caused me significant financial and emotional harm, including being denied credit and facing higher interest rates. Additionally, the repeated reporting of incorrect information after disputes constitute a willful violation of the FCRA ( 15 U.S.C. 1681n ), exposing XXXX to potential statutory, actual, and punitive damages. 
Legal Demands : XXXX. I demand the immediate and permanent removal of all inaccurate remarks related to my Nelnet / XXXX. XXXX  XXXX accounts from my credit report. 
XXXX. I seek monetary compensation in the amount of {$50000.00} for damages, including financial loss, emotional distress, and psychological harm caused by your companys negligence. 
Failure to address and resolve this matter within XXXX business days of receiving this letter will result in legal action against XXXX. I will also seek attorneys fees and any statutory damages allowed under federal law. 
Please direct all correspondence related to this matter to my address above or contact me at. 
Sincerely,.
Product: Credit card or prepaid card

I filed a complaint with your agency and the company U S Bank assn.  and they said in response that I cancelled the complaint which I did not. I could use some help with this lying company.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous notice sent on XXXX  days ago from the date of this letter, regarding the dispute of certaininformati on in my credit file. I am specifically addressing the fraudulent information as a victim of identi ty theft ; SeeFraudulent Inquiry Summary in my letter attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter regarding the reporting of my public record information. There are three items on this report and one of them does not belong to me. The item that does not belong is from XX/XX/05, for a complaint non-criminal. There is no amount associated with it, and the case was apparently disposed. There are several people with the same name as myself, and pulling my information by birth date alone can yield this result.