23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV Funding Collection Company has Placed an Account on My XXXX Consumer Report without providing Prior Notice Or Validation Information under 12 CFR 1006.34 ( b ) ( 5 ) Date Opened XX/XX/XXXX Balance {$710.00} Date Last Active XX/XX/XXXX The Statute of Limitations for Debt Collection in the State of Illinois has obviously expired. 
The Date Last Active is Obviously A Deceptive and Incorrect Status. 

I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) LVNV Funding Collection Company is violating my consumer rights by Using False, Misleading, Misrepresentation, and Deceptive Means.

LVNV Funding Collection Company has no authority to furnish any Account to a Consumer Reporting Agency Without providing any and all disclosures Required by law and are in clear violation according to 12 CFR 1006.34 ( d ) AND 15 USC 1681-S2 ( 7 ) ( A ) I Dispute Owning Any and All Alleged Debt to this Collection Company. 
I Revoke All Rights of this Collection Company from Communicating with Me via Mail, Email, Text or Telephone Calls. 

I am requesting Proof of Notification that LVNV Funding Collection Company Ever provided any notice, validation or method of validation prior to this Account being added to My Consumer Reports. 
I am requesting the Method of Validation for this Alleged Debt. 
I am requesting the Purchase Agreement between this Collection Company and the Original Creditor that this Alleged Debt was Purchased from. 
I am requesting Proof that this Collection Company is Licensed and Bonded to Legally Operate as A Collection Company
Product: Credit reporting or other personal consumer reports

I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX I am filing a complaint against all three major credit reporting agenciesXXXX XXXX, and TransUnionregarding their failure to accurately report multiple accounts. I have formally disputed the following accounts, but they continue to reflect inaccurate and damaging information on my credit report : XXXX XXXX ( Account Number : XXXX ) Incorrect balance and inconsistent payment history. 

XXXX ( Account Number : XXXX ) Discrepancies in balance and payment status, resulting in a negative credit. 

XXXX XXXX XXXX ( Account Number : XXXX ) Reported collection account with inaccuracies in the date of the last payment and balance. 

XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX ) Reported as a charge-off while currently in litigation under case number XXXX. 

These reporting errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy. The inaccuracies on my credit report have caused significant financial harm, hindering my ability to obtain necessary housing and transportation for my family. Additionally, the negative reporting has contributed to mental health issues such as anxiety and XXXX. 


I seek the assistance of the CFPB to ensure that these credit reporting agencies comply with the FCRA and correct these inaccuracies promptly.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. THESE ACCOUNTS ARE FRAUDULENT PLEASE REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My wife was connected by XXXX  XXXX XXXX on XX/XX/XXXX. I have had no prior communication. Whatever account was not registered in her name or contact information. I reached out on XX/XX/XXXX for a debt validation letter. I haven't received one. Its has been over 5 days since requested or an option to dispute the debt. Stated debt was from XXXX XXXX XXXX, which I have never held debt with.
Product: Credit reporting or other personal consumer reports

I'm in the process of buying a housed I realize I had damages on my credit report. According to the 15 USC 1681 law there should not any damages on my credit report it is defamation to my character. As well as I am a service member which federal law states that the service members civil relief act is a United States federal law that protects soldiers, sailors, airmen, marines, coast guardsmen, and commissioned officers in the Public Health Service and national oceanic from being sued while in active military service of their country.
Product: Credit card or prepaid card

Citibank closed a retail credit card with a rewards program that I had open with them. The two main issues are a privacy concern with illegal monitoring of credit reports and activity and discrimination in lending when I asked them for a credit line increase. 
First being as I typically use the card for everyday purchases and pay off the balance in full every month I would accumulate reward points very rapidly. However with the account being closed this forces me to pay an interest charge on the balance while I pay it off in increments. This was a malicious act by the credit card company in order to make money during the health pandemic and suggests that they are aware of my financial situation beyond the scope of what what is necessary for them to service my account Second, I have excellent payment history with the bank and have paid all of my accounts in full in the past and was repeatedly denied a credit line increase when I requested one based on my credit profile. This bank likes to act as the " Bank Police '' acting in a intrusive and malicious manner towards customers who may owe money to other banks without regards to the individual situation at Citibank often asking questions that are not relative and should not be part of a credit line increase request. 
Lastly, I believe the bank discriminated against me in lending practices being fully aware that such a low line of credit would keep my XXXX score low reducing my buying power and having an adverse affect on me financially. This is antitrust and a violation of Fair Debt Collection Practices and Fair Debt Reporting.
Product: Money transfer, virtual currency, or money service

I have an account with XXXX XXXX  and I am filing this complaint to get my name involved with the zelle lawsuit. I have used zelle many times throughout the years and feel that it has been impossible to recover funds if mistakenly sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before and after closing this account in XX/XX/XXXX, XXXX Mastercard c/o XXXX XXXX  added late charges and interest to the payments which made it impossible to make minimum payments. My spouse lost his job XX/XX/XXXX and I continued to make minimum payments but XXXX reported that no payments were made. I made arrangement with XXXX in XX/XX/XXXX of {$140.00} XX/XX/XXXX and {$47.00} for 5 months thereafter to be automatically withdrawn from my bank checking account each month. On XX/XX/XXXX, {$140.00} was withdrawn from my checking account, yet XXXX XXXX  reported that it was a missed payment to the three credit bureaus. This is fraudulent and predatory lending by XXXX as they are the account holders of a few of our other accounts where payments have not been reported accurately.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has an unauthorized inquiry on my credit report.
Product: Credit card

I placed an order for a product from a merchant on XX/XX/XXXX, and provided credit card details ( Chase Sapphire Preferred ) verbally. Shortly after, I received a text from Chase Bank saying that they declined the transaction and believe the transaction is fraudulent and requested me to confirm whether I initiated the transaction or not. I responded " Yes '', and got a follow up response from Chase saying " Thanks. The transaction wasn't completed. '' Since Chase told me the transaction wasn't completed, I contacted the merchant and re-placed the order, however, the original transaction actually was completed.

When I called Chase to discuss, they said they won't do anything unless I contact the merchant first. This seems like a firm rule, so I contacted the merchant who will try to resolve this for me in the coming days, however, in the event that Chase actively advises a consumer that a transaction won't go through, and then the transaction does go through, the entirety of the burden to resolve this matter should rest on Chase, as their fraud monitoring system is inaccurately advising consumers about their credit card activity. If I weren't monitoring these payments, it's possible I never would've noticed that the charge was posted multiple times.
Product: Debt collection

I had a tanning package with XXXX, in my contract in stated that if I was to move out of the area where XXXX XXXX is not located I could cancel my membership with no fees. I then moved to North Carolina for college before my contract was up. I have attempted to reach XXXX XXXX management to cancel the account and they will not. They do not return phone calls and are never in their office. XXXX XXXX sent my account to a debt collector who is no help and getting the situation resolved.
Product: Mortgage

My loan was transferred to XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is the servicer of the loan. I sent my XXXX XXXX payment to Caliber Home Loans, the previous lender, because I wasn't aware the loan had been transferred. The new lender claimed non receipt of these funds from previous lender. As a result, I supplied the new lender with proof of payment, as well proof and date the check was cashed by former lender, in the hopes that my payment would be applied correctly. Nevertheless, the new lender insisted upon payment of the already paid funds and, by the time I sent a duplicative payment to the new lender, proceedings to pre-foreclose had been initiated by the new lender, my duplicate payment was sent back to me, and I was being requested to pay 3 months mortgage to avoid foreclosure. I did make the payments and my account became current by the end of XX/XX/XXXX. I did not get my duplicate payment returned to me by the former lender nor has it been applied to current loan. I nevertheless submitted my mtg. payment for XXXX XXXX via, certified funds and overnight express mail on XXXX, XXXX. USPS confirmed delivery was made on XXXX XXXX, XXXX to XXXX XXXX but my account has not been credited for this payment. Additionally, a late charge for XXXX XXXX mtg. was assessed by XXXX XXXX who claimed they didn't receive the XXXX mtg. payment. Thank you for your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 FTC reports with inquiries I did not authorize or recognize, please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to XXXX XXXX/XXXX XXXX   along with a notarized affidavit claiming fraud.XXXX XXXX/XXXX XXXX is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like XXXX XXXX/XXXX XXXX to close their files which have any information with my name & social on it ...
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a request for my credit report from Equifax Mortgage Solutions. I did not request this and am not familiar with the request at all. This is on the XXXX  site. I have frozen my credit reports. 
My employer recently informed me that there was a fraudulent unemployment report filed with my information. That is when I froze my reports.
Product: Mortgage

Loancare is an extremely disorganized company that doesnt help their consumers. I started a loan modification ( or so I thought ) back in XXXX of XXXX. My payments on my modified loan were supposed to start in XXXX of XXXX. Today is XX/XX/XXXX and they still have not completed the process. When I make a payment to the lender it sits in a holding account and doesnt get applied to my mortgage. Weekly I receive letters telling me that my home is at risk and that Im delinquent on my mortgage. Ive spent approx 20-30 hours on hold dealing with the company. Sometime I sit on hold for hours just to get hung up on before speaking to anyone. Last month I tried to make a payment and their system wouldnt take my payment. HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I cashed Insurance Checks at my bank. I went back and removed the money. I was not told the money was " provisional '' credit. I was called and told to bring the money back because the checks were not paid. I was told I had committed a felony. I began a dispute with the Insurance company that wrote the checks because they should not have stopped payment. The bank never told me to bring the money back because I breached a contract. They told me to bring the money back because I committed a felony of theft and kiting. I was disputing that I had committed a felony of theft and kiting. There is a lawsuit in place in the court system. I disputed this item with Chexsystems explaining this is in dispute and it should be removed until the lawsuit is over. They are refusing to remove the item. I am not ok with just showing " dispute '' on my file and my husbands file. Chexsystems XXXX XXXX says they will not remove it because XXXX XXXX XXXX  verifies it is true. When I explained what happened, XXXX XXXX says that is too bad, they will not remove it. I explained to XXXX XXXX the money is begin held by the court and XXXX XXXX XXXX  refuses to accept it because they want {$10000.00} in legal fees added. I am requesting that Chexsystems remove any mention of this until the court systems works this out. I also requested a copy of the Account Agreement where the money was withdrawn and XXXX XXXX XXXX  refuses to provide it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I noticed several inquiries on my credit report, some reported by the same company more than once. I called half of them starting on XX/XX/year>. I asked why the inquires were placed on the report, and asked what the inquiries was regarding, they would not provide me with the information. I then asked to speak with a manager regarding these cases, they would not provide me with a phone number. I then called again on XX/XX/year> but I didn't get an answer from XXXX of the companies. I did speak to XXXX, XXXX and XXXX from XXXX of the companies and XXXX said he would give me a call back. XXXX call somehow got dropped and XXXX told me a representative would get back to me in XXXX business days regarding this matter.
Product: Credit reporting or other personal consumer reports

Recently checked my credit report and seen accounts reporting that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to obtain a recent credit report from EXPERIAN and the information provided is erroneous and misleading. I have responded to EXPERIAN about the situation ; EXPERIAN has done NOTHING to resolve the errors and misinformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX XXXX has already been settled. The car was totaled in an accident on XX/XX/ and it was paid for by XXXX XXXX XXXX XXXX. The difference was covered by XXXX XXXX XXXX on XX/XX/. However there remains a balance in my credit report that I would like the credit bureaus to report as paid in full. I have attached a copy of my GAP coverage to prove that the balance was covered in full. Please have this information updated on my credit report according to FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a loan with XXXX for {$330.00} on XX/XX/XXXX. It wasn't reported on my credit report until XX/XX/XXXX and by then I had already paid the loan in full ( payoff date : XX/XX/XXXX ), but it stayed on my credit report until XX/XX/XXXX as an open outstanding loan. I had not yet contacted the company because by the time I noticed the error, it had finally been reported as closed and paid in full on XX/XX/XXXX. I would not recommend this product or service to anyone. It's a bad financial product and you can't trust them to accurately report on your account.
Product: Money transfer, virtual currency, or money service

So I get an email from Coinbase tell me someone is trying to access my account from XXXX Texas different IP address please let us know if this is you I said no its not then they send an email to verify my ID so I did XXXXXXXX XXXX on the XXXX XX/XX/2022 while I was trading on my account at XXXX my tokens were starting to sell and purchase bitcoin I froze the account And I contacted coinbass and contacted Coinbase we went back-and-forth through emails and showed him how everything I got was from coinbase.com the lady said that they would get back to me as a try to solve this problem they never did so I got in contact with them all I hear sorry that this is happening I showed them proof that there was no third-party involved it was all through coinbase.com Three days later they completely shut my account down when I go to login now it says account do not exist at the time my account was worth {$68000.00}. 3 months ago the same account was {$680000.00} The market took Hit and I understand that Thats a coinbass To rob me out of my own account and pretend they dont know what theyre doing and whats going on I need my account back and my tokens so I can take them off this website and go somewhere thats secured since Coinbase is robbing their own Customers please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX We were on a 3 month Forbearance Plan Agreement of {$1400.00} all three payments were made on time. Modification paperwork started XX/XX/XXXX and went thru XX/XX/XXXX. 
doing this time no payments were required per bank rules. We received a copy of our credit report in XXXX and found that our credit showed negative credit reporting for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX has nothing although the payment was made on time. I called and spoke to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX all of whom work in the credit department at Chase and all who refuse to help. This is a new way of keeping us slaves to Chase. The modification is intended to help us make affordable payments while going through hardship instead Chase has raised the payments higher than before. I am unable to work due to my caring for my XXXX XXXX XXXXXXXX Veteran spouse and Chase don't give a XXXX XXXX XXXX! Our payments are now at {$2200.00}. Because of the negative credit reporting from Chase we can't move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to report NC FINANCIAL for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late on XX/XX/2021 to XX/XX/2021 but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617.
Product: Mortgage

My loan officer, XXXX XXXX ( NMLS XXXX ) of XXXX XXXX, XXXX, clearly explained to me that if I closed in XXXX that my closing paperwork would include the interest for XXXX ( to be paid by me at closing ) and that my first mortgage payment would not be due until XX/XX/XXXX. I emailed and called him to clarify because I had a final rent payment due XXXX. He assured me that the closing paperwork already included XXXX 's interest and that my first payment would be due XX/XX/XXXX. When it came time to close, the paperwork was not written the way he explained- there was no interest in the closing numbers and my first payment was slated to be XX/XX/XXXX. XXXX, who was at the closing, became quite confused, insisting he had never heard similar terms. He tricked me into closing by outright lying to me about the terms. While I agree it is my responsibility to understand my numbers and disclosures, I asked specific questions to my loan officer, who misled me and fed me false interpretations of the numbers to his benefit and my detriment. 

I have attached our email chain where I was told with no uncertainty that my first payment would be in XXXX. I have also attached evidence of our follow-up phone call- while I do not have a recording, it shows XXXX and I spoke for almost six minutes immediately after he emailed me. During that phone call I explained that in my experience, if one closes on a house in the beginning of the month, one pays the first mortgage payment in the following month. XXXX told me in that conversation that my thinking was incorrect. He said that he had many year 's experience, and that I had never financed a house in this state so I should trust his expertise.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting an incorrect account ( XXXX ) which is destroying my credit score AND does not belong to me. The original creditor is named as XXXX XXXX. 

I am not liable for this debt with XXXX XXXX nor Jefferson Capital System.

I do not have a contract with either company. I have reached out to both companies to provide me with the original contract and neither have responded to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute this account XXXX XXXX XXXX XXXX last month and I received a letter from Equifax saying The Disputed Item is NOT Currently Reporting on The Equifax Credit File but I just got a copy of my credit report and that account is still there. Im sending a copy of the letter send to me from Equifax after my dispute of this account.