23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX XXXX, am formally writing this complaint because a debt collection company by the name of LVNV FUNDING LLC placed an unvalidated alleged debt on my consumer report. I don't know where this alleged debt came from. The account in question was first seen in my XXXX consumer disclosure report. I am aware that this specific debt collection company is a " debt buyer ''. They buy debt for pennies on the dollar. Which further lets me know that they are more susceptible to practicing abusive and deceptive behavior. I don't. This company is a company known for abusive behavior who was sued previously multiple time by various consumers. I did not receive any legal disclosures, I was not given the opportunity to dispute the alleged debt, and they are destroying my reputation. The debt collection company is violating my rights to privacy. LVNV FUNDING LLC is not licensed is not licensed to collect in the state of Tennessee. These are all violation of the Fair Debt Collection Practices Act per the Debt Collection Rule. The following violations have been committed by LVNV FUNDING LLC : 15 USC 1692d ( 1 ), 15 USC 1692C, 15 USC 1692e ( 10 ), 15 USC 1681s-2, 5 USC 552a ( Privacy Act of 1974 ), Tenn Code 62-20-105, and 18 USC 1001 . This debt collection company is being both deceptive and abusive. I do not have any information regarding this. I did not receive any communication or attempt to communicate form this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi this account is not accurate I sent letters on XX/XX/2023, Under 15 U.S Code 1692j- Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. cease and desist
Product: Bank account or service

Due to an audit, my state tax authority submitted an " order to withhold '' to my bank. Not the most fun thing to happen, but perfectly reasonable. Part of the order was a {$100.00} fee. The shocker came when I contacted the state tax authority and discovered that the fee had nothing to do with them - they do n't attach fees to " orders to withhold ; '' imagine that - the fee was being charged by the bank. My state tax authority agreed to reduce the amount of the order - really, they were more than courteous and reasonable - but could do nothing about the fee. Ultimately the fee turned out to be more than the order. The bank released the remainder of the order back to me, but kept the fee. 

I 'd really like an explanation of why a {$100.00} fee ( that in my case was more than the legal order from the state tax authority ) is reasonable and appropriate. What costs does the bank incur that are covered by that fee? Do they have some employee somewhere that gets paid {$100.00} for the XXXX minutes it takes to review the order manually and push some buttons? Is there a human being involved at all? 

Like many other types of fees, this XXXX is far more injurious to someone with a low bank balance than someone with a high XXXX. Someone with a balance over XXXX figures would barely notice a {$100.00} fee. On the other hand, someone with a balance over XXXX figures would barely have noticed the amount of the legal order issued by my state. I have never had a balance like that, so a fee of {$100.00} literally means that I have to scramble to make sure not to overdraw the account. ( Which would result in a different set of fees. ) These fees are practically calculated to suck the life out of people that have very little money on which to survive. 

I understand that the bank is providing a service, and that they exist to make a profit through their services. I do n't begrudge them fees in general, but ca n't they charge fees based on the average balance? In any case, a fee of {$100.00} seems excessively high. 

The other, less annoying, problem : according to the state, the bank should hold the affected funds for 10-15 days. My bank DEBITED the funds in less than XXXX. Really? They needed that tiny amount of cash right away?
Product: Credit card or prepaid card

Bank of America has taken over 180 days to complete my claim. My identity was stolen and my unemployment card was sent to an unknown address. Upon learning about the fraud, I immediately report the fraud to Bank of America and filed a claim. This was in XXXX of XXXX, it is now XX/XX/XXXX. I have not received my unemployment. I tried to file my taxes and the IRS is saying I owe them money for unemployment that I have not yet received. I've called to check on the status of my claim almost every week and nothing has changed. Bank of America did send me a letter in XX/XX/XXXX saying they will issue me a temporary credit and that I will see that credit within 48 hours. I never received that credit either. I called about that and no one in the claims department seems to have any answers for me besides, it's still pending..I need my unemployment.
Product: Debt collection

I received a letter from XXXX XXXX XXXX saying they received the debt from Jefferson Capital on behalf of XXXX. They are saying they will take legal as in sue me if I dont pay the debt when I have asked for verification documents of the debt because I do not remember ever taking out a loan with opportun.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report back on XX/XX/2024, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2024 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. They are breaking several Federal laws. 

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report : 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. 

I also asked them to provide me with a description of the investigation on XX/XX/2024 according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either.

They are also breaking these laws as well below According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors : 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. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, i called the courthouse asking do they report bankruptcies to the credit reporting agencies. " The courts responded and said they DO NOT report any bankruptcies to anybody and that i can go to they're website and print off the letter they have on the home page stating that they do not report to the agencies. '' So if that's the case how did the credit bureaus certify my bankruptcy as 100 % accurate. They never did a fair invistagtion according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report " mean a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 section 602 A. States i have the right to privacy.

According to : 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 According to : 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. 

And i also want to inform you guys that the credit agencies removed one of the bankruptcies the one from XXXX when i originally filed a dispute threw them and then put it back on my report which i will provide proof in the following documents which is also a violation and also put a change on my report as making it seem i just filed a new bankruptcy with a new case number.
Product: Checking or savings account

Starting on XX/XX/2023, I have had multiple fraudulent deposits entered into my accounts and then reversed out to an XXXX XXXX or the checks were returned, therefore causing my checking account to now be negative. 6 bill payments were fraudulently reversed to XXXX XXXX Mortgage and XXXX XXXX XXXX dating back to XXXX that I did not authorize. I can get no assistance from USAA on this fraud activity. They continue to state that I personally did all of these things.
Product: Credit reporting or other personal consumer reports

I received the letter with my dispute results from XXXX, XXXX, and Equifax and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.
Product: Credit reporting or other personal consumer reports

None of my credit reports match. My XXXX  loans were paid in full and yet XXXX shows them as being deleted from Their files. XXXX and Equifax also do t show the loans as paid In full {$100000.00} was forgive as I am a XXXX XXXX and the reflector just shows my accounts as deletedXXXX and Equifax are showing last updates are over 2 years ago. My rent is actually only showing on credit agency. Also XXXX XXXX  removed my credit progress that was not showing correct at all. My utility are paid monthly but the system doesnt pick up the payments it shows that I have to XXXX months of payments these are the same bil for over 3 years
Product: Debt or credit management

Dear CFPB, I was a client of XXXX XXXX under customer number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I paid an up front fee to engage in services ( I recall it being upwards of {$160.00} up front ) as per the telemarketers call and then a monthly fee to retain services. The second time I engaged them was due to telemarketing efforts as well with similar up front payment required. 

During and after that time period, XXXX XXXX  reached out to me and directly transferred me to their call center for further credit repair services. 

Additionally, they did require payment up front in order to retain their services. 

In speaking with XXXX XXXX, XXXX XXXX does not have me on the eligible injured persons list. These services were performed at the same time as those provided to my husband, who did receive compensation and similar phone solicitation. 

I have asked XXXX XXXX to advise why I have not been included in the suit and they have denied any involvement with providing data for the case and indicated that the CFPB has provided the data which determined inclusion. I had already reached out to the CFPB and they indicated that this would have come directly from XXXX XXXX and now we are going in circles. 

As you can see from the attached chat conversation, not only does the XXXX XXXX  chat operator keep dropping and renewing the chat, they also do not have records on file for work done from XXXX - XXXX. 

However, I am attaching both a screen shot of the XXXX times during that period where I was required to send them pdfs of creditor letters for them to action and a pdf of the email with the attachments. 

As the email and attachments is greater than XXXX, I can not upload, but happy to provide separately upon request. 

Please advise. 
Thank you, XXXX XXXX XXXX ( same address used with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collections account with Experian for XXXX XXXX. I spoke to the collection agency and they sent a deletion request to Experian. I've uploaded a copy of the deletion to them. They have failed to remove the collections account and I am not able to reach them by phone.
Product: Credit reporting or other personal consumer reports

Addresses are wrong on file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Wells Fargo Bank , N.A . 
Credit Disputes Department RE : Dispute of Unauthorized Account and Request for Immediate Removal from Credit Report Wells Fargo case number : XXXX Account number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX XXXX XXXX I am writing in response to your recent letter in which you claim that I authorized the credit account opened on XX/XX/XXXX in connection with a transaction at XXXX XXXX XXXX XXXX I would like to firmly reiterate that the signature on the credit application you provided is not mine, and I did not authorize the opening of this account. 
Additionally, the document you enclosed contains no date next to the alleged signature, further casting doubt on its authenticity. I am requesting that you provide verifiable evidenceincluding dated and legally-binding documentationconfirming that I personally applied for or used this account. Absent such proof, you are in violation of the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate or fraudulent information.

Furthermore, per the FCRAs seven-year reporting limit under 605 ( a ), this accountwhich you stated was charged off on XXXXmust be removed from all consumer reporting agencies no later than XX/XX/XXXX. Since this date has now passed, I demand the immediate removal of this account from all my credit reports. 

I also request that you : Cease all credit reporting related to this account immediately. 

Delete the account from my credit file at all consumer reporting agencies. 


Provide written confirmation of the deletion and resolution of this dispute. 


If you fail to comply, I will not hesitate to escalate this matter by filing complaint with the Federal Trade Commission ( FTC ), and the New York State Attorney Generals Office. 

I expect your written confirmation of the deletion of this account within 15 days of receipt of this letter. 

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

MCM ( Midland Credit Management ) received a settlement for account XXXX on XX/XX/XXXX. I was advised at the time it would be completely removed from my credit on XX/XX/XXXX. 

As of XX/XX/XXXX, it remains on my credit. I spoke with the bureaus on XX/XX/XXXX and they have not received a request for deletion at all.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following account from my Equifax credit report, as they were recently deleted from my XXXXXXXX XXXX XXXX following a dispute and investigation : XXXX XXXXXXXX XXXX XXXX XXXX {$1100.00} Account Number : XXXX XXXX Investigation Completion Date : XX/XX/2024 Status : Deleted from XXXX report. 

Following my dispute with XXXX, these accounts were thoroughly investigated and deemed unverifiable. As a result, XXXX has completely removed these accounts from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I now request that you, as a credit reporting agency, take the same action to ensure the accuracy and integrity of my credit report. 

Additionally, I have filed a complaint with the Federal Trade Commission ( FTC ) to document and report these issues further. 

Consumer Protections Under the FCRA : FCRA Section 611 ( 15 U.S.C. 1681i ) : Requires that inaccurate or unverifiable information be promptly deleted from a consumers credit file. XXXX has determined these accounts are unverifiable, and as such, I am exercising my right to have them removed from my report with your agency. 
FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Mandates that information suppliers provide only accurate and complete information. If XXXX has deemed the information unverifiable, it is your obligation to follow suit and remove these accounts. 
Required Action : I request confirmation of the removal of these accounts within 30 days or less from the date of receipt of this letter. Failure to comply with this request may leave me no choice but to pursue the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Seek legal recourse as allowed under : FCRA Section 616 ( 15 U.S.C. 1681n ) : Provides for legal remedies in cases of willful non-compliance, allowing consumers to sue for damages. 
FCRA Section 617 ( 15 U.S.C. 1681o ) : Permits legal action for negligent non-compliance. 
These accounts deletion by XXXX demonstrates that the information is not only inaccurate but also unverifiable. The burden now lies on you to ensure my credit report is fair, accurate, and compliant with federal laws. 

I appreciate your prompt attention to this matter. Please notify me in writing once these deletions have been completed.
Product: Debt collection

Highest Balance {$4100.00} Opened XX/XX/2017 ( 6 mos ) Account status Open Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX It has now been put to Phoenix Finacial Serv. 

I had went to the emergency room for a XXXX  on my XXXX, I had insurance, and had my card I put down my information thinking this was a urgent care, I had understood this was an urgent care after everything was said and done I was told my insurance would cover it and went on my way, now I'm looking at a XXXX $ bill I have no idea how I got no information was sent to me it just got out into collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent so many disputes orally by phone and written through the mail, yet these false alleged inquiries and collections remain on my consumer report! I am the natural person, original creditor, and federally protected consumer! The United States along with all of these corporations ( XXXX, XXXX, Transunion ) are in fact the debtors! Every single debt obligation or every single extension of credit is originated from my social security card ( Credit Card ) number! Without the consumer these corporations are just a dead entity! 
CREDIT IS LIFE. 
15 usc 1681a ( 2 ) ( B ) EXCLUSIONS of consumer report. 
EXCLUSIONS mean something shouldnt be included. 15 usc 1681a ( 2 ) ( B ) anything authorized from a credit card as defined under 15 usc 1602 ( L ) Congress says that any transaction that was authorized from a credit card should be EXCLUDED from your consumer report. 
So any transaction shouldnt be written or spoken about. 15 usc 1681 ( a ) ( e ) : investigative consumer report. It cant be from a creditor of the consumer or a consumer reporting Agency! 
15 usc 1681 ( a ) ( 3 ) - consumer reporting agencies have assumed a VITAL role! Credit is life & debt is death! 
18 usc 8 : All debts are obligations of United States. 
Law comes from God. 
I know the law & I know scripture! I am free! Earthly Laws cant supersede divine laws!! 
WE WERE BORN WITH UNLIMITED OPEN END CREDIT PLAN. 
Im a lender not a borrower. 
I WILL BE PURSUING LITIGATION BECAUSE THIS HAS CAUSED SO MUCH FINANCIAL HARDSHIP TO MY MINOR CHILDREN AND I! I do not deserve this, and for it to even take this long for an investigation is wrong!
Product: Money transfer, virtual currency, or money service

( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act, Specifically, cash app failed to take timely and effective steps to prevent and address fraud to their platforms leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions has caused significant inconvenience and financial loss and I seek redress for these violations.
Product: Credit card

On Monday, XX/XX/XXXX, I called American Express ' ( aka AmEx ) customer service to see if I could cancel my XXXX AmEx card and apply the fee ( {$190.00} ) towards the regular Platinum AmEx card. The customer service rep told me that if I bought the regular AmEx card with her on the line ( a {$450.00} fee ), she would refund me the XXXX AmEx fee afterwards. I agreed, and bought the regular Platinum Amex. The *only* reason I bought the platinum AmEx at that time was because I thought I would get the Delta card fee reimbursed. As soon as the transaction had gone through though, the customer service rep informed me that she would not actually give me the full refund. I hope CFPB will look into American Express 's making fraudulent statements to get people to buy their credit cards.
Product: Credit card or prepaid card

I was in a position where I had to work on improving my credit score, and I got a prepaid credit card from bank of America. I was approved for a card and I quickly deposited XXXX as collateral for said card.. 

when I got the card I was told in 6-12 months I would be graduated to an unsecured card. I got this card 3 years ago still no graduation, ive asked many times since then and even Monday XXXX XXXX I spoke to a bank of America credit analyst named XXXX XXXX and she told me even though I had been a customer for 3 years I still didn't qualify for graduation ... and she cited 2 late payments one 4 days late another 3 days late from the summer of XXXX. so I assembled these numbers ... 

3 years of annual fees@XXXX interest fees interest and fees from XXXX? 

interest and fees from XXXX XXXX XXXX interest and fees from XXXX XXXX XXXX interest and fees from XXXX XXXX XXXX a total of XXXX an astronomical amount of money for a secured card. the reason they don't want to unsecure this card is because they are cheating me. and at present it is paid to XXXX  and I cant close the account because it would damage my credit profile..