23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Bankruptcy XXXX  XXXX Discharged Date Filed XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AK, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 CHOICERECOV XXXX XXXX XXXX. This account is already disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is between XXXX XXXX, XXXX and Transunion. 

My vehicle was totaled in XX/XX/XXXX and the account was not closed until XX/XX/XXXX due to issues between XXXX and my insurance company. During the majority of this time, I was still expected to make payments. My last payment made was for the month of XX/XX/XXXX. This payment was made on time. However, when I review my credit with XXXX and TransUnion, it shows a 60-day delinquency in my negative score factors, associated with my auto score. This delinquency does not show up on my credit report as a delinquency, but for the month of XX/XX/XXXX, instead of displaying that a payment was made, it rather shows that the account was closed. Because of this being coded incorrectly and not reflecting that a payment was made, it is causing the delinquency. 

I have disputed this with the credit bureaus with negative results. I have also with XXXX numerous times also with negative results. XXXX stated to me that they are not able to update how that payment is coded even after acknowledging that a payment was in fact made and that it was made on time. They acknowledged understanding that it is affecting my credit score but stated there is nothing else that they can do for me. This is unacceptable. This has been very detrimental to my credit score that I have worked very hard to keep up.
Product: Credit reporting, credit repair services, or other personal consumer reports

BB & T investigated fraudulent inquries from regional acceptance on my credit report. Their investigation was simply seeing if my information matched the address I put on the consumer dispute. This was not a thorough investigation and they said my credit was ran XXXX times. That should be a flag within itself.
Product: Credit reporting or other personal consumer reports

On my XXXX credit report, the summary for this account explicitly states Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. The creditor states that the credit limit is $ XXXX ( minus XXXX XXXX XXXX XXXX XXXX ), the account is closed and the balance on the account is {$730.00}. The credit limit reported is in error. When using the stated credit limit of $ XXXX to calculate the debt-to-credit ratio for this account and when the product of that calculation is incorporated into the calculation of a subsequent credit score, the credit score will simply be lower than what it would and should have been even if the actual credit limit was XXXX. It is unknown whether this is a negligent error made by the creditor, or whether the creditor reported this by design. Yet, my credit score has been adversely impacted due to erroneous information reported by the creditor.
Product: Debt collection

I writing you to lodge a formal complaint against LVNV Funding LLC. This debt collector placed marks on all three of my credit reports ( XXXX, XXXX, and XXXX ) without proper notification, as I received no dunning notification per required by the FDCPA legislation. Credit reporting is considered collection activity. When I attempted to send debt validation to the address they provided, the notification was sent back to me return to sender, as the address was inaccurately listed on my credit report. This company has an F with the XXXX XXXX XXXX, and has effectively destroyed my chances of getting a mortgage, as they have also incorrectly listed these accounts on all three credit reports instead of a collection account. Additionally, they have listed this item as a Factoring Lender, when per FCRA collection companies are not. I am requesting your office look into these allegations and help me procure a deletion from all three credit reporting agencies until this company can successfully validate my debt as they are mandated by law to do. I am considering legal action against LVNV, however, I felt compelled to urge your office to help me in my crusade to remove LVNV Funding and reestablish my name and credit. I am not sure if this debt is mine or not, however, their inability to provide correct addresses, and their intentional act of misleading their reporting should be enough to sue them, and should be enough for your office to force their compliance in this issue. I hope you can help me out in this matter, as I am going through the mortgage closing process and this one account has completely derailed my home purchase. Thank you very much for your time!
Product: Credit card

THIS IS NOT A DUPLICATE COMPLAINT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX dispute initiated XX/XX/XXXX -Provisional credit issued XX/XX/XXXX -USAA sided with merchant XX/XX/XXXX - Provisional credit reversed XXXX XXXX XXXX dispute initiated XXXX XXXX Provisional credit issued XX/XX/XXXX - New charge from XXXX XXXX XXXX XXXX received letter from USAA fraud department siding in my favor XX/XX/XXXX- i am told i can't put this new charge into dispute since the billing is delinquent XX/XX/XXXX I'm told the matter will be escalated and to wait. ( but no dispute ) Meanwhile the debt resolution team is hounding me saying they don't care about my issues. And have reported this to the credit reporting agencies. 

How is this even possible. 
The card XXXX  had has been cancelled. 
XXXX has no record of XX/XX/XXXX transaction and as you can see XXXX  shows only a canceled card number associated with me. 

The new XXXX charge has none of the normal information in thy transaction detail. USAA can not be provide me with the method in which XXXX charged me. 
The XXXX and XXXX transaction detail is to simply show that the normal transactional information isn't present on the " new '' XXXX  charge
Product: Credit card or prepaid card

I was late on my credit card payment ( {$60.00} ) FIRST time and for a two days only. I explained the representative that I missed the payment due not feeling well. The Representative was not willing to help me and remove the late fee ( {$25.00} ) despite frustration and pain caused by coronavirus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I took out a second mortgage on my house in XXXX from XXXX that was amortized over 30 years and payable in 10 years. At the time of the signing I was not aware of that. 

I fell on hard times and I defaulted on my mortgage. 

When things got better, I tried to get in touch with XXXX but there was no XXXX at that time. I didnt know where the loan went. 

In the meant time, I got a 1099-C from XXXX in XXXX stating that my loan was discharged. I considered the matter closed. 

Now out of nowhere Statebridge XXXX sends me a letter in XX/XX/XXXX stating that my mortgage was transferred them and I owe them {$310000.00}. 

I am surprised and shocked. I am now in XXXX  and I am already XXXX XXXX XXXX XXXX. This has been very tough on me. Out of now where after 20 years Statebridge XXXX is now demanding a payment. 

They have also reported this loan to the credit bureaus. I have mode no payments on this loan since XXXX, I didnt know they can just report information to credit bureaus if there has been no activity. As a result, my credit has gone down XXXX points. 

I am reaching out to you to see if you can help me with this matter. 

Thank You and Best Regards, XXXX XXXX
Product: Bank account or service

I had a Checking Account at Bank of America. My account was overdrawn for a period time, approximately XXXX weeks. Bank of America recently closed my account without warning or providing possibly remedies to avoid this action. At no time did Bank of America attempt to contact me via mail, phone, or through their own website. If they had informed me of the potential for closure I would have attempted to work with the bank to form a plan to fix the problem. Instead Bank of America proceeded with a course of action with no notice. In addition to the closure, I had attempted to make a deposit of XXXX money prior to the closure. Since Bank of America closed the account without notice I did not receive my XXXX until nearly XXXX weeks later. If Bank of America had simply informed me of their intentions I would have worked to rectify the problem.
Product: Debt collection

Halsted collection with multiple phone numbers ( XXXX ) continues to call me about an alleged debt that occurred XX/XX/XXXX. Of this alleged debt the statue of limitations for the state of Connecticut has been surpassed. XXXX XXXX was the gentleman I spoke with today XX/XX/XXXX. After being informed of the statue of limitations XXXX XXXX claimed that he will continue the phone calls regardless of who I call and reported his company to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 CREDCO RE : Request for investigation of Unauthorized Inquiry I check my personal credit report and found an unauthorized credit inquired with your bank information I haven't give the authorization to any institution to check my credit. I request the you initiate an investigation to determine who authorized the credit inquiry. If, once your investigation is completed and you find my allegation to be true, please remove the unauthorized inquiry. if you find the inquiry to be valid, please send me a description of the procedure used in your investigation within 15 business days of the completion of the investigation. 
Thank you : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know what to do, I placed a fraud alert on all three of my credit files but someone is still accessing my credit through Experian. I want these remarks removed I DID NOT APPLY FOR ANYTHING. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified these Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXXXXXX XXXX  XX/XX/XXXX
Product: Mortgage

I have been unable to speak directly to person at Caliber Home Loans. When I call they direct me to the website, which informs me that my mortgage number is not valid. My payment has been increased twice, yet they mailed me a refund check. They do not appear to know how to manage my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing today to advise you that your agency is in a major violation.I have been doing some studying myself and i have learned that the only person that give consent is the consumer and thats me.you are allowing improper use of credit reporting against what the LAW has written.The consumer controls the credit reporting not the agency.also Late Payments are illegal to report with out my consent.15 USC 6801 It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.I XXXX XXXX XXXX NOT CONSENT to any bank or agency report my consumer report.15 USC 6802BA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.I AM A INDIVIDUAL CONSUMER ..Under the FCRA, a debt collector must investigate any disputes that are made in writing within 30 days. I have disputed this debt in writing, and your company has not responded within the 30-day timeframe. This is a violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reporting a closed account Closed account with balance and past due balance with monthly payment showing not to mention its different Account numbers with different truncations showing across multiple bureaus. 


XXXX XXXX XXXX If I didn't believe in mistakes I might have thought they were misreporting this account on purpose but I have numerous open and closed accounts with XXXX XXXX all in good standing so I know its a minor mishap in there part.
Product: Credit reporting

XXXX submitted balance to collections agency before notifying me or finalization of term. Paid balance with school immediately but it had been in transit with collection agency whom was suppose to remove it from my credit file. Refused to remove even though they acknowledged that it was no longer an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was discharged with chapter XXXX bankruptcy docket # XXXX in XX/XX/XXXX. XXXX, TransUnion, XXXX are all reporting the wrong dates ( XX/XX/XXXX ), BK should be removed off my credit report, only reports for 10 years, discharged XX/XX/XXXX. Told XXXX to verify there information but never responded back, I also took the liberty to call the court house and they verified with me that it should be off of my credit report. Please delete off my credit report.
Product: Vehicle loan or lease

2018 I became really sick I contacted company Westlake Financial about options that I had .The car was reposed after I was told they were working on my file, I redeemed my reposion which westlake had taken the car out of my name I called them to advise them that the state of XXXX  DMV stated that the vehicle wasnt in my name and I could receive a tag or registration.I contacted westlake and all I got was the run around so I continue to pay and its been a whole year still nothing fixed so now Im like Im not paying until you guys resolve this issue
Product: Credit card or prepaid card

My current mobile device was completely damaged so I could not my access my cash app account after XXXX on XX/XX/XXXX there was a XXXX XXXX XXXX  on my card I transferred from my bank acct until I received my new debit card when I had access after the phone was damaged I could get in the app my phone could not use text so I used my email the code never came I tried this process all weekend Monday XX/XX/XXXX I contacted cash app support they tried gaining access still no code never came so rep told me to create a new account with a different number and they can transfer the balance I did an when I called back they kept trying to access the account and there were still no codes coming to my email then they sent me a text saying that cant access it an there keeping my funds see terms an conditions with no further information
Product: Checking or savings account

I have a USD account with SoFi, that comes with a MasterCard branded debit card. The account comes with no foreign currency transaction fees. 

On XX/XX/2022, and XX/XX/2022, I completed 2 ATM withdrawals in XXXX  currency. XXXX  to USD rate, for Mastercard transactions, for those days, is XXXX. This is directly from the Mastercard website. 

Even though I am supposed to get no foreign currency transaction fees on my account, SoFi marked up the Mastercard rate and process the transactions at XXXX exchange rate. I would consider a rate markup, by SoFi, a foreign currency transaction fee.
Product: Debt collection

This a new complaint about the following complaint XXXX. On XX/XX/XXXX, I received a letter from the law firm of Love, Beal, and Nixon, P.C. stating that I owe XXXX XXXXXXXX XXXX XXXX with the original creditor being XXXX XXXX, XXXX. The letter stated that I owe XXXX XXXX XXXX XXXX {$7600.00}, which is no longer valid. I listed this debt on my Chapter XXXX Bankruptcy on XX/XX/XXXX, and my Chapter XXXX Bankruptcy was discharged on XX/XX/XXXX. I responded with a letter stating that this debt is no longer valid due to Chapter XXXX Bankruptcy and to contact my attorney XXXX XXXX. I received another on XX/XX/XXXX from Love, Beal, Nixon, P.C. stating the debt is valid and still trying to collect money for the debt. I called Love, Beal, Nixon, P.C. to tell them to stop contacting me. I spoke with a male account manager who was very rude and would over talk to me. He kept stating that debt was valid because it is a student loan. I explained to him that it was a credit-based private student loan and NOT a federal student loan. The account manager said that he would contact my attorney. I feel like this debt collector is trying to take advantage of me and violating the Fair Credit Reporting Act. The credit-based private student loan even shows discharged from Chapter XXXX Bankruptcy on all three credit bureaus. I believe Love , Beal & Nixon , P.C . is being dishonest and withholding information or documentation. Also, I believe the law for violating federal law by harassing and contacting the consumer. The law firm stated that they checked and my private student loan was not discharged in my chapter XXXX bankruptcy? What did they check?

Company 's Response : Love , Beal & Nixon , P.C . ( LBN ) represents XXXX XXXX XXXX XXXX XXXX XXXX, A Delaware Statutory Trust in a civil action filed against XXXX XXXX XXXX on a defaulted student loan obligation. LBN acknowledges the bankruptcy filing by XXXX XXXX XXXX. However, LBN has confirmed there was no adversary action filed within the bankruptcy proceeding. As a result, the student loan obligation has not been discharged by the bankruptcy proceeding and our client has given us authorization to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISMISSED ACCOUNTS NEED TO BE REMOVED OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE TO MY REPORT. PLEASE SEE ATTACHED FORMS AND RE-INVESTIGATE THIS MATTER.