23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

[ XXXX XXXX XXXX ] [ XXXX ] [ XX/XX/year> ] LVNV Funding LLC [ Debt Collection Agency Address ] [ City, State, Zip Code ] Subject : Debt Validation and Dispute of Alleged Debt Dear LVNV Funding LLC, I am writing to formally dispute the validity of the alleged debt you have reported to the credit bureaus under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my rights under the following laws : 15 U.S. Code 1681 ( c ) ( 2 ) - Right to dispute information with consumer reporting agencies.

15 U.S. Code 1691 ( g ) - Requirements for notice of adverse action.

15 U.S. Code 1692 ( c ) & ( g ) - Communication with the consumer and validation of debts. 

15 U.S. Code 1681 ( e ) & ( i ) - Compliance procedures for consumer reporting agencies and reinvestigation of disputed information. 

I am requesting that you provide complete validation of this alleged debt, including but not limited to : A copy of any contract bearing my signature that establishes my obligation to the alleged debt. 

A full account history with an itemized breakdown of charges. 

Proof of the legal right of LVNV Funding LLC to collect on this alleged debt. 

Proof that this debt has not been time-barred under the statute of limitations. 

Under XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I assert the doctrine of estoppel by silence, presuming that no proof of the alleged debt exists. If you fail to provide such validation, I demand that this alleged debt be removed from my credit report immediately. 

Furthermore, continued attempts to collect this debt without proper validation may constitute a violation of federal law, including potential claims under the FDCPA and FCRA. If you fail to respond adequately within 30 days, I will have no choice but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and take further legal action as necessary. 

Please send all correspondence regarding this matter to my address listed above. I expect your prompt attention to this dispute. 

Sincerely, [ XXXX XXXX XXXX XXXX
Product: Credit card

I used an online system to close my Belk credit card account. There was not an issue with them closing my credit card account, but I discovered later in the day that they had run a hard report on my credit while I was attempting to close my account! This lowered my credit score because of the number of times my credit had been pulled in the last 3 months. Why did Belk ( Synchrony XXXX XXXX ) pull a hard credit report against me for closing my account with them? Even with this event, my credit score is exceptional at XXXX, but it was even higher prior to them hurting my credit for absolutely no reason.
Product: Debt collection

I am unaware of this debt I did not have an opportunity to dispute this information. If in fact you believe you gave me proper notification then please provide/send me the certified return receipt with my signature. If not I request that this information ( MIDLAND CRED  Acct. No. XXXX ) be removed from my consumer report immediately in light of my consumer rights being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 
Account Name : XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX Card, Account Name : XXXXXXXX XXXX Account Name : XXXX, Account Name : Factual Data, Account Name : XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX XXXX XXXX, Account Name, XXXX XXXX
Product: Checking or savings account

Recently, I took advantage of an offer through Capital One 's website to " ... redeem your free {$10.00}, XXXX. With two clicks you can get a {$10.00} bonus and coupons applied instantly. '' ( I have a checking account with the bank, which is how I noticed the offer ). In order to " Claim your free {$10.00} bonus, '' Capital One requires you to download and install a browser extension that automatically scans for coupon codes during online shopping and notifies you of price drops. I downloaded and installed the browser extension, but I have not received the {$10.00} bonus to my account, and it has been over 30 days. 

Capital One does not make it easy to communicate with them. They do not list a means of messaging the company virtually, and you must call to receive help from a person. So, I called and complained that my {$10.00} bonus had not arrived. Customer service confirmed that my bonus has not arrived, but insisted that in order to correct the problem, I must email the company at an address provided. At this point, I felt like Capital One had put up too many barriers to an offer it was making to its customers. 

My contention, in this complaint, is that the offer was advertised as quick and easy, but that it was neither quick nor easy to redeem the {$10.00} reward, and that Capital One is therefore taking advantage of its customers to install the browser extension without providing the reward. The bonus should be automatically applied, and consumers should not have to contact the company multiple times if the bonus has not been applied. Putting too many procedural hurdles in the way of consumers is one way of committing fraud, in my opinion.
Product: Mortgage

Ocwen loan servicing has credited and debited amounts of 1,500.00 plus more than 20 times in a month. I have called their office several times asking for an explanation and they just stated that someone made alot of mistakes. I need a specific explanation of each credit and debit on my account for the months of XXXX and XXXX 2017. I received a call from my representative assisting with a modification from ocwen and he left me a message to call him back. I was advised that my modification was denied due to the paperwork being incorrect. I need a clarification of why and what was wrong with the agreement. I also need to know why HUD was advised that my modification was approved and finalized when on my account it still shows as me being behind and not being modified. I contacted the office of the ombudsman several times and was told they are working on it and it has been over 30 days that they received the modified papers back with my signature. I need the Administrator of the office of the ombudsman to contact me in regards to this mess.
Product: Credit card

XXXX XXXX XXXX I received a CapitalOne credit card in the mail to activate. I did not request to open the account or inquiry about opening a credit account. 
XXXX XXXX XXXX Called CapitalOne and was told the account was open on XX/XX/2023. They reported no charges. Opened a fraud case on the account and closed the account. I was told it could take 6-9 months to resolve.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX conducted a hard inquiry against my credit history via Experian. I have no business, nor ever had business, with XXXX XXXX XXXX and immediately notified XXXX XXXX XXXX on XX/XX/XXXX requesting details regarding their hard inquiry. They would not provide any details regarding the inquiry. I opened a case with them for details on the query against my credit history and indicated it could be fraud. Despite six ( 6 ) follow-up emails and phone calls to XXXX XXXX XXXX no one will provide me any details nor will they remove the hard inquiry from my credit history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information.

I recently disputed the presence of a late payment on my XXXX XXXX XXXX XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected.

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report.

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXX XXXXXXXX XXXX appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my motor vehicle report sent to me attached in the same email as the link to this form, it is alleged I have two failure to show insurance from the year 2018. This is untrue, the only ticket I received was in XXXX, the o ly issue that would make me think there is reason behind the error stating I received the sa e ticket on XX/XX/XXXX I beleive? Is because there was a XXXX $ discrepancy after paying the ticket I received in XXXX, w To which I paid the remaining balance and there was no issue. 

So I am.reporting my mvr in 2018 is incorrect.
Product: Credit reporting or other personal consumer reports

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation i
Product: Debt collection

The statute of limitations bars creditors from suing for unpaid debts after a certain period of time. If you have old, unpaid debts, you might be safe from a lawsuit to collect the debt. A creditor or debt collector has a limited number of years to sue you for an unpaid debt. 


PUT A LIEN ON PROPERTY ON A VERYYYYYYYYYYY OLD DEBTTTTTTTTT!!!!!!!!!!!!!!!!!! 
FTC VIOLATIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

Dignifi  is reporting inaccurate information.Dignifi has stated I was late on XX/XX/XXXXXXXX  and XXXX XXXX.I have a right to a accurate consumer report and by law I have the right to ask for a proper investigation into claims of the inaccurate information and FCRA Section 623 ( a ) ( 8 ) that allows the consumer to follow up with the data furnisher if they believe that the previously disputed account is inaccurate by requesting an investigation be done by the furnisher to prove the accuracy. Dignifi fail to report that consumer even disputes account.I have proof that Dignifi is inaccurately reporting and Im asking for {$1000.00} for each inaccuracy.Todays date is XX/XX/XXXX and I have proof that I paid XX/XX/XXXX Dignifi is reporting that I am 30 days late when in facts it not 30 days over delinquent date stated in federal law a Furnisher can not report an account as delinquent until 30 days 15 usc 1666b timing of payments addition to inaccurately reporting, Dignifi agreed to modify and defer payments. According to the cares act XX/XX/XXXX if your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the, the creditor must report your status as current to the credit bureaus. Under 15 USC 1681a ( i ) there is an exclusions as to on your consumer report containing information solely as to transactions or experiences between the consumer and the person making the report.late fees are transactions and should not be on consumer reports.This is affecting my life and living because of the illegal acts of Dignifi.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To Whom It May Concern : Experian XXXX XXXX XXXX XXXX XXXX TX XXXX My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Sincerely, XXXX XXXX Attachments : -Copy of Government Issued ID -Copy of SSN Card -Copy of Paystub ( Proof of Address ) -Copy of FTC Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report on XXXX, I noticed various " hard inquiries '' from companies from which I've never applied for a loan. 

On my Equifax report, a hard inquiry is shown XXXX XXXX, XXXX dated XX/XX/2021. I did not apply for any product with XXXX  ( or any brand or company owned by XXXX  ) on that date. 

I reached out to XXXX via email on XX/XX/2021, and followed up on XX/XX/2021, asking them to investigate and remove these unauthorized hard inquiries. I did not receive a response. 

On my XXXX  report, a hard inquiry is shown from XXXX XXXX for the same date, XX/XX/2021. I contacted XXXX customer support on XX/XX/XXXX and followed up again on XX/XX/XXXX, but the team did not investigate the unauthorized hard inquiry nor remove it from my report. 

I would like these unauthorized inquiries removed from my credit reports, as they are damaging my score.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

The following inquiry was not authorized and should not be reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. I have sent numerous prior requests to your organization asking you to check into the validity of inquiries that I believe are incorrectly reporting with you and asked that you remove them from my credit report. Enclosed is a copy of my Identity Theft Report supporting my position. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Your cooperation and prompt attention are greatly appreciated.
Product: Vehicle loan or lease

I returned vehicle as a voluntary repossession due to damages cause by natural declared disaster XXXX XXXX. Vehicle was sold and account was closed. Now Company is reporting to credit bureaus that I owe a balance and account is delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inquiries that I did not consent to, authorize, nor benefit from.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I made an online wire transfer of {$10000.00} from a XXXX bank account I have to XXXX XXXX XXXX, an online foreign exchange trading company officially named XXXX XXXX, XXXX. My intention is to make a transfer of US Dollars to an account in Euros I have in XXXX. The USD wire tansfer was made to XXXX XXXX via an account they have with XXXX  XXXX XXXX in XXXX. They supplied me with this account router and account number and bank address by email. After my XXXX account was debited the same day, I tried to contact XXXX Transfer for help with exchanging my {$10000.00} into Euros and having them sent to my account in XXXX. Nobody knew what I was talking about and they bounced me back and forth from an agent to another for hours. They were not aknowledging the receipt of the funds for a couple of days and finally my page with their website showed that I have {$10000.00} available for transfer. However, nowhere on the platform can I use these funds for transfer. The only options they have is to pay with a new wire transfer or a new ETF out of an external account. I am now back with them to get help with my transfer or get a refund. The back and forth went on for another week with no result. Now two weeks later, I am still trying. My XXXX bank rep is telling me there is nothing they can do since I initiated the wire myself online. I threatened to get in touch with the FBI. I really don't know what to do.
Product: Credit reporting or other personal consumer reports

Have a few inquiries on my XXXX report that doesnt belong to me. I asked XXXX to delete them but still on my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed Items to be blocked and deleted company information from TransUnion. 

Please delete the following Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I deposited a check for {$1700.00} from my employer and my Chase bank is too slow to release the fund. I was told that it will take next month to be cleared. THis is too slow for an employee who lives paycheck to paycheck. With the new laws that enacted that allows electronic copy of checks for easier and faster transaction, how come it will take that long still ( more than a week or so )? I called the loss and prevention department and talked to XXXX ( customer representative ) and even though the funds were already taken out from my employer 's bank account it is still not being released by Chase Bank. Please help.