23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Starting in mid XXXX I have been in contact with LVNV Funding a collections agency that has been furnishing negative information to the credit bureaus in regards to an alleged debt that they now hold for collection. On XX/XX/2022 by way of certified mail I gave notice to LVNV Funding that the response provided from the agency did not meet the criteria to validate a legal agreement with them regarding the account they claim I am in debt to them for. 
After a number of days and upon disputing the negative information, LVNV apparently agreed to remove the negative information, XXXX reflected the account as removed at which point I also disputied they negative information with XXXX based on the the deleted negative information/account via XXXX. The account in question is nolonger present via XXXX, but has been resubmitted for reporting a number of times since mid XXXX by LVNV ... to XXXX and XXXX. I have contacted the collection agency more than 3 times placing them on notice of there illegal practices as they have continued to provide false reports to the bureaus. In the most recent communication I have placed LVNV on notice that I will pursue relief for each month that they have reported such negative information since the account has been deleted in an attempt to alleviate this illegal pursuit on there end.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX have violated my rights. 

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

I never used my credit to apply for any car loans or credit cards. I never gave any of these companies to run my credit report for loans ; car loans ; and all other hard inquiries. 


U.S. Code $ 1681c-2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERA to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTR consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE + to report anything on my consumer report which violates my rights as a federal proted consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

I opened up a bank account with Current bank on I think XX/XX/XXXX. I won a promotion through them for XXXX XXXX On Saturday XX/XX/XXXX, I go to transfer out these funds to my XXXX XXXX and these funds get LOST. I have been speaking back and forth to XXXX AND TO Current. Each blames each other and no one knows where my money is or when I will see it. Both companies can not tell me why the instant transfer even failed. XXXX ATLEAST has customer service but this Current bank only offers chat support and not even email support. I suspect their chat is only XXXX. as I check on XXXX XXXX I am seeing many complaints and concerns with this nee bank. Can you help? I included the proof of a supervisor daring me to try and contact them over the phone, and all my emails unanswered.
Product: Credit reporting or other personal consumer reports

These accounts are fraudulent and do not belong to me. Please delete them from my credit report. 

XXXX XXXX XXXX - acct # XXXX XXXX  XXXX XXXX - acct # XXXX XXXX  - acct # XXXXXXXX XXXX XXXX  - acct # XXXXXXXX XXXX XXXX  - acct # XXXX XXXX - acct # XXXXXXXX XXXX  - acct # XXXX XXXX XXXX  - acct XXXX XXXXXXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX XXXX - acct XXXX XXXXXXXX XXXX XXXX - acct # XXXXXXXX XXXX XXXX - acct # XXXX XXXX  XXXXXXXX XXXX XXXX - acct # XXXXXXXX XXXX  - acct XXXX XXXX XXXX XXXX acct # XXXX XXXX - acct # XXXXXXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX - acct # XXXXXXXX XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX. - acct # XXXXXXXX XXXX XXXX XXXXXXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXXXXXX XXXX - acct # XXXXXXXX XXXX XXXX XXXX  - acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX
Product: Vehicle loan or lease

They charged me way too much for a used car loan. They charged me a very high interest rate. The put negative remarks on my credit, they charged me way too much in late fees, when I traded the car in they gave very little money. They over charged me for everything they really ripped me off
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date of Inquiry : XXXX ; XXXX Date ofInquiry : XXXX ; XXXX Of XXXX Date of Inquiry : XXXX ; XXXX Bank Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I spoke with a Transunion agent named XXXX. I was told that my account accessibility had been removed or taken away from me because a few years ago I was the victim of Identity Theft. This is causing me a great deal of issues when I am either trying to place or remove a credit freeze or when I try to apply for a new credit card. Currently, according to the Transunion agent XXXX, the credit freeze was removed from my account however when I attempted to apply for XXXX different credit card issuers it was rejected due to the face of my credit still being frozen or unable to obtain my credit report from Transunion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX Bank of America XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ATTN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, I recently received my XXXX, XXXX, and XXXX consumer reports and noticed that my experience with your company is being reported. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( UTILIZATION ) on my consumer reports. 

XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX. 

XXXX XXXX XXXX XXXX Account XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account XXXX Your Company Is In Clear Violation Of The Law. Pursuant to 15 U.S.C. 1681.2 ( A ) ( i ). 

- EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- ( A ) subject to section 1681-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or experiences between the consumer me XXXX XXXX and you XXXX XXXX , Bank Of America , XXXX XXXX XXXXXXXX XXXX , XXXX XXXX XXXXXXXX , XXXX XXXX XXXX , XXXX XXXX XXXXXXXX are Making the report is NOT TO BE INCLUDED on my Consumer report. 

Utilization is an experience with the line of credit that was extended between the consumer me, XXXX XXXX and you XXXX XXXX, XXXX XXXX XXXX XXXX, Bank Of America, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, that is making the report. CONGRESS clearly states that the report of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. 

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( utilization ) on my consumer report which CONGRESS clearly states IS NOT INCLUDED on my CONSUMER REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELP I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


XXXX ( Original Creditor : XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX Enclosures :
Product: Debt collection

In XXXX of XXXX I started getting phone calls from a collection agency. 
They said I had a delinquent load account with someone in the amount of $ XXXXXXXX.They did n't know with who but it happened sometime in XXXX. I told them I did know what they were talking about. They said if I paid them half right then with a credit that I would n't have to pay the whole amount. I hung up. I thought it was a scam. 
I kept getting phone calls from different phone numbers until XXXX or XXXX of XXXX. I XXXX the phone numbers and saw complaints from other people. 
I just received a letter from first National Collection Bureau , Inc . 
They advised me that my delinquent account with XXXX/ now XXXX XXXX XXXX XXXX XXXX has been assigned to them and that if I paid half it would be taken care of. I have never heard of either of these business. I had a credit check run in XXXX of XXXX and neither of companies showed up. Nothing came up with a delinquency. 
This is why I got in touch with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. On XXXX XXXX 2021 I sent out letters to XXXX, eqifax, and XXXX  to inform them of incorrect information on my credit report and asked them to validate the debt. They have yet to respond and the information has yet to be removed. the accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

First of, my English language is not fluent so a neighbor friend is helping me put into words what I want to say. She also helped me download recently a XXXX XXXX XXXX to monitor my credit because I have been a victim of identity theft before. And found out that there was another fraudulent account open and charges on an account that went into debt collection that I don't even have any knowledge of till 3rd quarter of this year XXXX. Called the debt collector company to inquire and dispute this account and they said the account in question was opened on XX/XX/XXXX with my name and social security but the address was of an old address where I used to live. I am currently living in a new area for about 4 years now since XXXX so that could not have been me opening that account and racking up whatever amounts it was stated it went up to without paying. I only have one credit card that i have opened and is currently still using which is a XXXX XXXX account. I disputed the collection on XXXX  and XXXX also and I just got back a response from XXXX that investigated and it was proven to be of fraud and that they are taking steps to remove this credit history collection off my XXXX XXXX XXXX. And Im still waiting on XXXX investigation to conclude. But I have called up the debt collection company ( Midland Credit Management ) and they told me I needed to write to FTC website about this and get an affidavit? which transferred me to this cfpb website and this is where i am at the moment. Thank you for helping me out regarding this matter.
Product: Mortgage

I applied for a loan modification under the VA Servicing Purchase ( VASP ) program through Village Capital & Investment LLC to make my mortgage payments more affordable and prevent foreclosure. On XX/XX/year>, I received an offer with terms that included a monthly payment of {$1400.00}, an interest rate of 2.5 %, and a XXXX term. I accepted these terms immediately upon receipt. 

However, on XX/XX/year>, the company proposed a new modification with a significantly higher monthly payment of {$2000.00} without clear justification or changes in my financial circumstances. This new proposal was issued on the same day Village Capital responded to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), raising concerns about potential retaliation for exercising my rights as a consumer.

The increased payment contradicts the VASP programs guidelines, which are intended to help veterans retain their homes by offering sustainable and affordable modifications. Despite multiple attempts to resolve the matter, Village Capital has delayed the processing of my originally accepted terms, causing ongoing stress and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that I have made 2 attempts to resolve this issue. Equifax is reporting inaccurate information ( addresses ) on my credit file and a few UNVERIFIED Accounts.

I've written multiple letters demanding these unverified information removed. 
They claim this information came from the a third party company ( XXXX  ). I have checked with XXXX  / XXXX XXXX and they both do not have these UNVERIFIED ACCOUNTS on their files. Even after all of this they keep telling me that the information is verified but they have NOT provided proof by way of documentations such as contract agreements with my signature to show that these are my actual debts.
Product: Credit reporting or other personal consumer reports

This delicate matter has been neglected by TransUnion. Simply put, the XXXX XXXX XXXX loans are fraudulent.
Product: Credit card

I have called and mailed multiple letters requesting all documentation related to the opening of this fraudulent account. Chase did mail me a statements, dated XX/XX/year>, but nothing more. I did report the fraud to Chase and filed an Identity Theft Report with the Federal Trade Commission, as they requested, and have not received any response from Chase as of today. I have did everything I was told to do and Chase Bank is continuing to ignore me.
Product: Checking or savings account

To Whom It May Concern, I am submitting a formal complaint regarding Navy Federal Credit Unions ( NFCU ) handling of overdraft fees on my account. Since 2018, NFCU has been allowing transactions to process on my account despite insufficient funds, only to charge a {$35.00} overdraft fee once money is deposited into the account. This issue has occurred multiple times over the years, creating a pattern that feels exploitative. 

While I understand that overdraft fees are part of banking policies, the practice of approving transactions knowing that sufficient funds are unavailable appears to be designed to generate unnecessary fees. I do not have exact dates, but these incidents have occurred repeatedly over the past several years. 

I am requesting the CFPB to investigate the following : 1. Navy Federal Credit Unions overdraft policies and practices.

2. Whether these fees were charged in compliance with federal regulations and fair banking practices.

3. A refund of any excessive or unjust overdraft fees that may have been charged to my account. 

This ongoing issue has caused financial hardship, and I am seeking a resolution to ensure fair treatment and transparency. 

Thank you for addressing this matter. I am happy to provide any additional details if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certegy, XXXX 's chech cashing verifying service apparently has information under my consumer file that isn't mine. I was turned away from cashing a check from work twice. When attempting to inquire/remove the information I received no response. After numerous failed attempts I still can not cash a check from work any where that would use the same service to verify a check. I would like this information to be removed and any debt that coincides with it, in hopes that I may not have to drive all over just to cash my church and pay my bills.
Product: Credit reporting or other personal consumer reports

Looking at my credit report I saw late payments on an account that Ive always paid on time. Credit reports are the focal points in todays society and without it the world is doomed, this missed payment is not accurate and I kindly ask for you update this account and remove these late payments from my credit report on the account listed below. 
XXXX XXXX XXXX  opened on XXXX XXXX XXXX account number ( XXXX ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


Please provide documentation proving that I was ever late paying on this account if you arent able to provide proof I ask and demand the accounts to be updated with true status of showing on time payments. Ive always paid my accounts on time without delay. Thanks
Product: Consumer Loan

I purchased furniture from Conns on XX/XX/XXXX and I 'm totally disgusted with the quality of the furniture. I purchased a XXXX camel sofa, loveseat and chair, a XXXX queen size mattress with a box spring and queen frame. After tax, down payment, property damage insurance and finance charges, the charges totaled {$2800.00}. I 'm on a 30-month payment plan and so far, I 'm halfway through paying for this junk. Within a few months of having the furniture, the legs on the sofa, loveseat and chair broke. And the mattress had severe depression in it. I had to call the repair technicians five times for repair ... three times to repair the sofa/loveseat/chair for the same broken legs and flattened seat cushion, and twice to examine and then replace the queen size mattress. The sofa continued to have the same problem with the legs but I had XXXX in XX/XX/XXXX and was unable to deal with the repair at that time. My recovery was slow but I was able to call Conns back in XX/XX/XXXX about another sofa repair for the same issue but I was told that the manufacturer 's warranty expired on the furniture in XX/XX/XXXX. And, I was told that the only option I have is to purchase an extended warranty or pay for the service repair if a technician comes out. I 'm not doing that. This furniture is n't worth me spending any more of my money on it. 
The last time the sofa was repaired back in XX/XX/XXXX, I was told by the repair technician that a lot of their customers have the same problems with the XXXX sofa set that I purchased and that the company will try to repair it before replacing it. My set should have been replaced but each time the technician came to my house, he repaired it but I keep having the same problem. The wooden dowels in the sofa are small and the repair tech only replaced XXXX dowel in XXXX leg of the sofa ... but even it broke again. And, the depression in the replacement mattress is worse than the depression in the original mattress. I was told that there is still a warranty on the mattress so I 'll call repair to try to get the mattress replaced a second time. 
On Monday, XX/XX/XXXX, I was told by XXXX, a customer service rep in the XXXX, TX corporate office that it 's my ( the consumer 's ) responsibility to notify the manufacturer about faulty merchandise. I told her it 's Conn 's responsibility to stop selling this faulty junk especially when they know it 's no good. There has got to be something that can be done because Conn 's is taking advantage of consumer 's who are credit challenged by providing them with poor quality merchandise. Since the mattress is still under manufacturer 's warranty, I 'm going to attempt to get a better mattress this time but I need to know if there 's something that I can do about the furniture set - It should have been replaced but because the technician did n't make the recommendation, they wo n't do anything about it. PLEASE HELP!!!.