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

Subject : Complaint Against XXXX XXXX XXXX and LVNV FUNDING LLC Dear XXXX, I am writing to file a formal complaint against XXXX XXXX XXXX and LVNV FUNDING LLC regarding their handling of my credit card debt. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) have been violated. 

On XX/XX/2023, I discovered that XXXX XXXX XXXX had sold my debt to LVNV FUNDING LLC and subsequently closed my credit card account. However, to my dismay, the same credit card company later reopened my account and resumed reporting the debt, which I find to be both unfair and deceptive. 

I am deeply concerned about the legality of these actions and how they have impacted my credit score and financial stability. I believe that LVNV FUNDING LLC may have violated the FDCPA by engaging in practices that are deceptive, unfair, and abusive. Furthermore, XXXX XXXX XXXX may have violated the FCRA by inaccurately reporting my debt after reopening the account. 

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against both XXXX XXXX XXXX and LVNV FUNDING LLC if any violations are found. I have attached relevant documents, including statements, correspondence, and any proof of the aforementioned actions, to assist in your investigation. 

In addition to the aforementioned concerns, I am seeking both actual damages ( {$1000.00} according to FCRA ) to compensate for the financial losses and harm caused by the unfair and deceptive practices of XXXX XXXX XXXX and LVNV FUNDING LLC , as well as punitive damages of {$10000.00}. Punitive damages are being pursued to hold the parties accountable for their actions and to deter them from engaging in similar practices in the future. These damages are essential to ensuring a fair resolution and to serve as a deterrent against any potential misconduct by the involved entities. 

I appreciate your attention to this matter and thank you in advance for your prompt action. Please feel free to contact me if you require any additional information. 


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

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Checking or savings account

On XX/XX/XXXX, we went to log into our Chase Bank accounts online, and we received an error message regarding " suspicious activity '' and were unable to access our accounts. The message stated that we needed to call the listed number for assistance. We did so immediately and were informed that Chase Bank had frozen our accounts and was " ending their relationship with us '' due to " suspicious activity ''. We were told our accounts would be closing within 10 business days ; with the understanding that we had these 10 business days, we waited a couple of days before going to our branch to withdraw our money so that a pension check we receive every month would be safely received and direct deposited. We went to our branch on XX/XX/XXXX to withdraw our money from 2 checking accounts and 1 savings account. We were denied. The branch manager and an assistant called a support department and were told there appeared to be a fraudulent payment made to one of the checking accounts. They would not disclose any other information nor the transaction details. We were also given a date of XX/XX/2022, as a date the review should have been completed and a cashier 's check would be mailed to us of the amounts in our accounts. It has now been more than 5 weeks that we have not been able to access any of those monies with no explanation. We have spent countless hours calling various departments, speaking with several bank officers who would pass us along to another officer only to be told by each one that they can not give us any information other than that " review is still being investigated '' and that they can not give us any kind of time frame as to when they will finish their review/investigation and if or when they will be releasing our money. In the first week of XXXX, we received a letter dated XX/XX/2022, from Chase Bank stating they were going to close our accounts because of either a recent transaction or that we did not provide requested information. Please note that at no time were we ever asked to provide any information this alleged fraudulent deposit. In fact, we were not given any notice at all that our accounts were in jeopardy until we went to log into our accounts online to find we had been locked out of them. 

Our life savings, pensions, IRAs, etc. are in these 3 accounts. We are asking for your assistance in this matter. 

We have been given a case number of XXXX. 

Our Chase Bank branch manager is XXXX XXXX. Her email is XXXX Sincerely, XXXX XXXX. & XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

called them to credit freeze lifted, thier website would not work. After answering all thier questions he then asked about who owns real estate in new york. Having not lived in new york after 50 years i said i dont know. he then said i have to answer the question. i then asked for a manager and he said no. so i said ok im filing a complaint he said go ahead and here we are. this is a horrible way to have help as far as im concerned. 
thank you for you time in this matter.
Product: Credit reporting or other personal consumer reports

XXXX was my customer service representative and i was far from pleased. My issue is that i have had 2 negative reports made on my credit report from self lender. The initial negative report was my own fault. I had autopay set up and my account was delinquent so autopay was declined. I manually made a payment, but was late. After that, i now have another negative remark on my credit report due to another missed payment. Only this time, my bank account was in the positive, and could have ( should have ) been charged since i was enrolled in autopay. Or so i thought. XXXX let me know that self lender automatically took me off autopay, with no notification to myself. I asked her how i was supposed to know and she said i am supposed to check monthly to make sure my autopay is not turned off. I asked her to cite the policy that explains this and she could not. I let her know that i would be disputing this and she told me i am not able to dispute anything. I told her i have made disputes before and am knowledgeable on how to make a dispute and she reiterated that i am unable to dispute anything with credit that has already been reported. 

If autopay failed, my payment obligation should be suspended, under the Electronic Funds Transfer Act, and i should not be considered late. Therefore, my credit report should be updated to show this. 


I would like this resolved immediately. I would like to continue my autopay ( without it being canceled or shut off without my knowledge ), and would like my credit report to reflect on time payments aside from the initial ( and only ) late payment due to my own fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to forbearance with SLS - Specialized Loan Services ( my mortgage financial institution ) in XX/XX/2020, for six months, then in XX/XX/2020 my economical status change and contacted them in order to suspend the forbearance and resume payments, but then immediately I was reported as delinquent such action impacted negatively my credit by more than 200 points ( from XXXX XXXX XXXX ), I understand I should be protected by the CARES act by law, I contacted the bank twice but was told that there is no action from their side. I kindly ask your support to amend such situation
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Creditor Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Date of Charge Off : XX/XX/year> Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date of Charge XXXX Creditor Name : XXXX Account XXXX Date of Charge XXXX Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Creditor Name : XXXX Account XXXX Date of Charge XXXX Creditor Name : XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year>
Product: Debt collection

I originally took out a loan with XXXX, but after they went out of business, my account was transferred to SST for servicing. Since XXXX, I have been attempting to make my monthly payment of {$200.00}, but every attemptwhether via ACH transfer or debit cardhas failed or been blocked by my bank. 

I have repeatedly contacted SSTs customer service to explain this issue and ask for assistance in resolving the failed payments. Despite my good-faith efforts, SST has not provided any alternative payment solutions or troubleshooting assistance. Instead, they have continued to apply daily interest charges on the outstanding balance, unfairly increasing the total amount I owe. 

I am willing and able to make this payment, yet SSTs payment system failures and lack of resolution are preventing me from doing so. This has placed me in a difficult financial position, and it is unreasonable for SST to penalize me with additional interest when the issue is on their end. Given that my loan was transferred from a defunct lender, I am concerned about whether SST is properly managing these accounts and treating borrowers fairly. 

I request that the CFPB investigate SSTs handling of my payments and account, require them to stop unjust interest accrual, and ensure they provide a functional and reliable way for me to make payments without penalty.
Product: Debt collection

My employer was contacted by someone representing a  XXXX   XXXX  an attorney asking if I was there so they could serve me with court documents. My employer told them no and then contacted me. I called the number she was given and the person I spoke to was very combative and yelled at me, they told me they had received a judgement forcing my employer to garnish my wages. Later they backtracked and told me IF it went to court they would be allowed to garnish my wages. I asked for validation of the debt and was told no, I had to find it myself. The initial debt was {$370.00} and now they are saying I have to pay over {$1200.00} and when it goes to court I will have to pay court fees and filling fees and my total will increase to over {$4000.00}!   LPSG the company that currently hold the debt, would n't discuss anything with me and kept referring me about to  XXXX  's office and the person at  XXXX  's office said that everything had to be approved my LPSG. They kept running me in circles ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor both my FICO credit score and Vantage credit score for all three credit reporting agencies, XXXX, Experian, and XXXX. On XX/XX/2023, my XXXX credit score using the VantageScore 3.0 scoring model decreased XXXX  points from XXXX to XXXX without any significant change in my credit report data and without any explanation provided as to what would cause such as significant drop. On XX/XX/2023, my Experian credit score using the XXXX XXXX  scoring model decreased XXXX  points from XXXX to XXXX without any significant change in my credit report data and without any explanation provided as to what would cause such as significant drop. These are very large score drops, and as result I am questioning the validity of this scoring model and it's use by organizations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX XXXX XXXX Transunion XXXX : XXXX Dear Credit Bureau, A lawsuit I will file due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged, nor therefore any such inquiry was made by myself, in fact exists. I have copies of the certified letters and dates prepared to bring to court I have attempted to address my concerns of defamation with Transunion. Also, 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. 
Under the Fair Credit Reporting Act, if they can not verify the these inquiries within 30 days, then it must be removed. Your letters to me claim that all inquiries are factual, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers and dates in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. 
Now I am hoping to not have to sue Transunion for being such a pain in the XXXX to me. I have provided more than sufficient evidence to get these false inquiries removed. You may contact me before suit is filed on XXXX XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. 
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it is factual then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Transunion for violation of the Fair Credit Reporting Act and Defamation. 

The items to be removed from my credit report are listed as follows : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I look forward to your response. 
Sincerely, XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2024 I had checked my consumer report and noticed a fraudulent collection account being reported on that same report from XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have no Idea what this account is and I have never signed up for or taking any classes at that institution. in addition I would like to say that I am not known as XXXX XXXX, XXXX XXXX or XXXX XXXX. My name is XXXX XXXX and that is what is shown on my state issued ID and drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed my credit report and there are some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to challenge the reporting and compliance of my credit report. 
I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. 
These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 USC 6802 requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERALA 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 ; I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from the above companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY! 
15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

I am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.
Product: Credit reporting or other personal consumer reports

I want to unfreeze my credit. When i log in to access my account so that i can lift my freeze, the first page i encounter upon logging in is https : //usa.experian.comXXXX which prompts you to move forward with a credit report and the page following that prompts you to place an order using your SSN. Any other links working links on the webpage kick you back to the home page and you have to initiate a log in again. 

I simply want to unfreeze my credit. I do not want to place an order for a credit report and unfortunately, I'm being blocked from accessing my account so that i can manage a freeze on my credit. It seems that Experian is manipulating their webpage so that you HAVE to order/purchase services from them in order to access an account/basic functions. Additionally, the terms of the order/purchase are not available on the webpage so it is unclear if i am moving forward with a one-time request or if i am being enrolled into a service that will accrue fees. 

I have not purchased services from Experian. A while back, I created an account for the sole purpose of managing a freeze on my credit. 

I attempted to call customer support and provided information to verify my identity ( automated call ), however, i am relegated to 'self service ' which only tells me that i can manage my freeze through my account online. I am not able to speak with a person directly about this issue or receive support moving forward with removing the freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for sending me your internal records of the debt, however you did not VALIDATE THE DEBT. I have received a bank statement and contract with my alleged signature attached.i am not disputing or denying that this account exist, I am disputing because this account does not belong to me. The contract XXXX XXXX XXXX has sent is not my signature. I HAVE attached and PROVIDED my real signature. The signature on the contract is in scribbles with the letters C and B which is not my signature. Also on the contract is says the account was OPENED/APPROVED BY XX/XX/XXXX Please provide name of witness who who claimed i sign this document. Please provide VIDEO AND/OR AUDIO of me entering and leaving the XXXX XXXX XXXX vicinity or E-Signature stating my IP address, session, time-stamp and browser with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have attached previous complaints against this company from consumers from The XXXX XXXX XXXX. If you can not provide the requested information please delete this account immediately. i have provided my lease for address verification and my ID for Identification purposes
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the XXXX person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

Account : XXXX XXXX XXXX, AMOUNT {$5000.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX XXXXXXXX, AMOUNT {$540.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX XXXXXXXX, AMOUNT {$300.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX XXXXXXXX, AMOUNT {$1000.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$10000.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$1300.00}, ACCT # XXXX ACCOUNT : XXXX XXXX AMOUNT {$300.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$12000.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX XXXX, AMOUNT {$9300.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$12000.00}, ACCT # XXXX ACCOUNT : XXXX  XXXX, AMOUNT {$330.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$540.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$15000.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$1200.00}, ACCT # XXXX INQUIRIES : Here is the updated version with only the account names and dates : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.