23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX LVNV FUNDING LLC Reported : XXXX XXXX, XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, 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 ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC Reported : XXXX XXXX, XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

I have twice requested SCRA benefits from USAA Bank regarding my credit card balance. I am a member of the XXXX XXXX was called to XXXX XXXX under XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX for XXXX ( XXXX ) several times in 2017 during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However USAA rejected my request, stating I did not qualify stating that the SCRA only applies to service members on XXXX XXXX for 30 days. However it appears that provision is specific to XXXX XXXX members and I am a member of the XXXX XXXX and subject to XXXX XXXX XXXX. It is very disheartening as USAA prides itself on being military friendly yet denies this request. To contrast this, my other banks, XXXX, XXXX XXXX XXXX and XXXX have all honored this request. The denials were made on XXXX XXXX, 2017 and XXXX XXXX, 2017. I also sent a subsequent correspondence in XX/XX/XXXX to  dispute it again with no response.
Product: Credit reporting

TRANSUNION WILL NOT STOP PLACING FRAUD ALERTS ON MY CREDIT REPORT I NEVER NEVER AKSED TO HAVE A FRAUD ALERT PLACED ON MY REPORT!!!!!!!! 

I AKSED THEM TO INVESTIGATE THE INCORECT ITEMS, BUT THEY WILL NOT INVESTIGATE THEY JUST KEEP PLACING FRAUD ALERTS ON MY REPORT I DEMAND THEY REMOVE ALL FRAUD ALERST FROM MY REPORT!!!! 

I DO N'T KNOW WHAT XXXX XXXX PERSON IS READING MY FILE BUT THEY DO NOT UNDERSTAND ENGLISH!!!!!! 
REMOVAE ALL AND DO NOT PLACE ANY FRAUD ALERTS ON MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX dob XX/XX/XXXX SS # XXXX
Product: Checking or savings account

I walked into a Bank of america on XX/XX/XXXX and waited an hour to open an acct. After waiting I Spoke to a XXXX XXXX who assisted me with opening an acct. I opened a checking and saving acct. In the process of opening my acct she advised me that a balance was owed to bank of america for {$460.00} and that it may be taken out of my acct if need to cover the pas balance from XXXX. I advised XXXX i never had an acct with bank of america and that when she gave me the number to the fraud dept who I was suppose to call on XX/XX/XXXX once I made it back home to see what was going on. I deposited {$25.00} in my checking and {$100.00} in my saving to get my acct started. Now when I go to logon to get my acct info so I can call the fraud dept I see I cant logon and I'm being told my accts were closed and no one could tell me why. I'm not sure why they were closed and for me to sit in the bank and hour to wait to see one and another hour just about to open my acct, just to have my accts closed the next day without any notice, well I'm really upset.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has failed to allow direct /proper access to my credit score and the ability to dispute.

I contacted customer service over 50 times and could not get a live representative to assist with this matter.

I noticed several accounts being reported in violation of the FCRA. When you ask a debt collector to verify or validate a debt, or you otherwise dispute the debt, you trigger certain legal obligations ( which they must follow ). One of the most important of these obligations is to mark the debt as disputed, on your credit reports. This is required under section e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ).

I was trying to dispute several accounts in violation of the FDCPA When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account numer XXXX XXXX XXXX XXXX, has violated my right. 

15 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

It is the law, that I receive my statements on time, however, I am having issues with Select Portfolio Servicing because I am not receiving my monthly statements on time. Today is XX/XX/XXXX and I have not received my monthly statement. In XX/XX/XXXX I did not receive my statement until XX/XX/XXXX, again in XX/XX/XXXX I received it on XX/XX/XXXX. It is aganist the law not to receive my statements, and why do I have to request my monthly statments. My statements should arrive 12 days prior than the due date, but again today is XX/XX/XXXX and I have not received my statement.
Product: Credit reporting or other personal consumer reports

A bankruptcy was put on my credit file without my consent. Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.
Product: Vehicle loan or lease

Bridgecrest Acceptance Corporation refuses to remove the trade line connected to the consumer report after confirming that the account has been discharged via 1099c. In addition they have no right to enforce as the contract for the account itself was assigned, meaning that Bridgecrest never had legal standing to pursue any debt collection or repossession of property. They also never perfected any alleged security interest by way of lien nor were they the original lien holder of the transaction. Please note this organization was just recently sued and lost due to these exact complications of the transaction they claim to have rights over. In addition the XXXX terminal has revealed that the Note for the XXXX XXXX XXXX  was securized and traded on the secondary market where Bridgecrest directly made more on the Note than the alleged obligation consists of. By way of laws of equity and as equitable owner I'm entitled to the proceeds received by Bridgecrest at a rate of XX/XX/XXXX in addition to compensation for the violations committed by Bridgecrest in the actions taken to enforce a contract they had no actual legal right or ownership over.
Product: Student loan

Hello, My loan servicer is EDFinancial. I applied for the SAVE program first on XX/XX/2023. I was denied by my servicer because they needed tax information? I uploaded my information and submitted a new application on XX/XX/2023. In the Federal Student Aid website it tracks the progress of my application. According to the website my application review was completed by EDFinancial on XX/XX/2023. It says that my loan servicer will reach out to me regarding my application. They never did. I went into my account and there is no information regarding my application. Now I am late on my first payment because they never updated the information about my application. I tried calling three times and each time the wait was over 9 hours to speak to someone. I opted for a call back and they never did. I also reached out via their chat system and it said I had to speak to a representative. I sent an email to them as well and they haven't responded. I do not want my account to have a negative track record because of their lack of response. Others are struggling with this issue with this servicer as well. Please help! I need to know what to do.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to formally request that all accounts and inquiries listed below be blocked and deleted from my credit report as required under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These entries are the result of the data breach, and I do not want them to impact my credit history. 
Please find below a list of the accounts that should be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$11000.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$600.00} XXXX. XXXX XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$600.00} XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$540.00} XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$1200.00} Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX In compliance with the Fair Credit Reporting Act ( FCRA ), I request that these accounts be blocked and permanently removed from my credit file due to the breach. I kindly ask that you update my credit report accordingly and ensure that these compromised accounts are not reflected on my credit history.
Product: Money transfer, virtual currency, or money service

I sent funds to a recipient and the funds were not available to the recipient. when called to find out what the issue was, Cashapp then flagged the account and I requested the funds be returned to me. Cashapp stated that once the transaction was in completed status that it could not be returned to sender. Cashapp has now closed the account and the funds have never been returned. Cashapp says that the refund was declined by the recipient but that account was closed, there was no way for recipient to decline.
Product: Credit reporting or other personal consumer reports

These negative inaccurate accounts on all three of my credit bureaus should not be there. From XX/XX/year> until present. 

Experian XXXX XXXX Has not done a proper investigation on none of my 3 major credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts with Citibank. One reports onto XXXX, the other does not. I am trying to understand why the one account does not. The card has been open for 20 years, and has a {$43000.00} credit line. Both of these factors could potentially play a major role in my FICO score. Who knows what effects this has had over the years on business decisions I have made. Oddly enough, the tradeline reports on my wife 's XXXX credit bureau, and she is simply an authorized user. 

I have contacted Citibank on three occasions. XXXX of last year was the first. They advised me the would " push the tradeline through ''. After 90 days of it not reflecting, I called them again. They said they could push the tradeline through again, but it wouldn't do any good because it was already pushed through. To this day, it still has not been pushed through. 

A few weeks ago, I decided to dispute the tradeline with XXXX. They have since completed the investigation and no changes were made. I have done nothing but make payments on time and fulfill my obligation as an upstanding customer. If I stopped making payments, the tradeline would be reported as derogatory on my report. This is completely unfair that as the primary cardholder, this card is not reporting onto my file. 

This is a last effort to avoid legal action to fairly, and accurately, report this account onto my credit bureau report. 

XXXX
Product: Mortgage

My motgage was transferred from XXXX loans to this Newrez company on XX/XX/XXXX. When i was transferred the time it took for the new Mortg co Newrez was in middle of the month so they said they were giving the client 60 days to catch up. I paid on XX/XX/XXXX XXXX dollars to catch up on my mortg. My mortg is XXXX a month. I paid half of XXXX and all of XXXX it is now XX/XX/XXXX i paid on XX/XX/XXXX XXXX they said i could XXXX that was owed still by XXXX XXXX XXXX. I tried that today XX/XX/XXXX and online they have me owing a whole mortg of XXXX on XX/XX/XXXX. I am worried they are trying to say i owe a whole month and say im behind a whole month when im not. I dont trust them since my mort has been transferred from XXXX to Newrez XXXX Please investigate this company.
Product: Debt collection

calling continually at place of employment threatening action against me if I do not pay. They have been told not to contact me at place of employment and have said they had been provided permission to do so which is not true
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that the included information below in my credit profile that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. Ive sent out dispute letters to resolve any issues. 
Refer to 18 U.S. Code 242- Deprivation of Rights under color of law.

Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.

15 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 famish an account without my written instructions.

1. Under 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ) This account is in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher that's forgery and misleading when the courts do not report this type of account. 
XXXX XXXX  Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report.
Product: Checking or savings account

Citibank closed my checking account on XX/XX/XXXX and there was a remaining. I have been trying ever since to get my money back but Citibank told me i have nothing to get, I made lots off phone calls to Citibank they also advised me to go to my local branch. but i never received my balamce of my money. they also told me that a check was prepared for me on XX/XX/XXXXXXXX  bur nothing was ever mailed to me. The amount was for {$14000.00}. Please i will appreciate if someone can please assist me get back my money. thamk you.
Product: Credit reporting or other personal consumer reports

I did not authorize the following inquiries on my consumer report 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 card

i got a secured card with Citibank and i put {$200.00} down to use it. after a while when i noticed they are charging me couple of dollars service fee even if i am recharging my card on time. 
I decided to close my account with Citicards which i did on XX/XX/2015 after using my {$200.00} prepaid balance and paying the dues {$1.00}. 
Today i received a statement by email for that indicates i still owe {$220.00} which is due on XXXXI called customer service so they gave me XXXX options1. Either pay {$220.00} then they will generate a refund for {$2000.00}. I can pay minimum amount due {$81.00} ( which i am not going to get back ) 3. Or else we will report to credit bureauI was threatened by customer service supervisor if i do n't pay the money. 
I feel like i got rip off by the bank cause i am forced to pay either minimum amount due which i am not going to get back or else i have to pay total due to save my credit history
Product: Credit card or prepaid card

XXXX XX/XX/XXXX unannounced, my AMEX was shutdown. Upon calling I was informed due to AMEX policy is because of an extra payment has not cleared. On XXXX XX/XX/XXXX for XXXX ( XXXX ) Required payment cleared, and made an extra payment online XXXX XX/XX/XXXX for XXXX ( XXXX ). in the process it was explained in a earlier complaint to AMEX that I didn't believe AUTO PAY took so I tried again for XXXX and unknown to me the original payment of XXXX cleared. 

Since the XXXX with no notification AMEX shut my card off and even after explaining the issue, rudely on the phone it was explained the XXXX has to run denied three times before they can open my card back. In my conversation with American Express, they have been extremely inflexible even after establishing this was an accident and both, XXXX ( XXXX ) where set-up as a extra payment. 

XXXX, I contacted American Express and now they changed the statues to pause. They want me to pay XXXX to unpause the account.
Product: Credit reporting or other personal consumer reports

I am refilling this complaint to EXPERIAN with report number XXXX for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went to XXXX ( XXXX XXXX XXXX ) with an already approved loan from my current credit card company XXXX XXXX '. I was willing and ready to use my XXXX XXXX auto loan without hesitation. My salesman apparently ran my credit with MULTIPLE lenders WITHOUT my permission or knowledge on doing so. Not to mention, I have a 'Fraud Alert ' on my Equifax which should have prevented anyone from gaining access to my credit account without my approval. It wasnt until I checked my report 30days later and seen such transactions. I did not authorize all of these auto lenders to run my credit as I have been diligently working to build my credit and with all of these hard inquiries it has brought my credit score down. I have made attempts to contact XXXX XXXX regarding this issue but was informed there is nothing they could do, that I would need to dispute these transactions with the lenders. I would NEVER have authorized all of these hard inquiries when I was already approved for an autoloan. *I tried to upload my XXXX XXXX Auto Navigator approved loan but since I purchased the car, I no longer have access to such document*
Product: Credit reporting

There is a Bankruptcy that appears on my credit report that should not be associated with my social security number. I 've been disputing this with all XXXX bureaus, and XXXX and XXXX accepted the paperwork from the bankruptcy court that confirms for my social security number there is no record of a bankruptcy going back to 1992. When providing that to Equifax they are advising me the courts confirmed the bankruptcy is mines, however, they have no paperwork confirming this. I have reached the end of my rope with Equifax and am now looking for additional assistance.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed 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