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

These delayed payments are not in line with my regular history of paying on time.
Product: Credit card or prepaid card

I have two credit cards for Capital One. The first one was opened XX/XX/XXXX and the second one was XX/XX/XXXX. My account was restricted so I called the credit card company today XX/XX/XXXX. They said that " I entered the wrong social security on an account ( they can not elaborate as to when or what account ) '' so now they are requiring me to submit a copy of my social security number and government-issued ID. My question is this, after almost 8 years of having credit with them, is it safe or even lawful to demand a copy of my social security or a government-issued ID for one incident? I do not even know when or when this happened? If the credit card company is concerned about identity theft, I had to check myself on my XXXX account and there is no such incident. So why are they harassing me for this?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  ; Account # XXXX, has 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: Debt collection

Subject : Formal Complaint Against LVNV Funding LLC for Violations of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against LVNV Funding LLC for multiple violations of my consumer rights under federal law. Below are the specific issues and corresponding legal references regarding LVNV Funding LLC 's unlawful actions : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLC has placed a collection account on my consumer report without providing the necessary validation information as required by law. This failure to provide validation information impedes my ability to verify the legitimacy of the debt and constitutes a clear violation of my consumer rights. 



2. Denial of Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account violates my right to challenge and verify any alleged debt.

False, Misleading, and Deceptive Practices : LVNV Funding LLC has employed false, misleading, and deceptive means in their collection practices. They have misrepresented the status and validity of the alleged debt on my consumer report, which constitutes a violation of my consumer rights. 



4. Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : LVNV Funding LLC has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. Their actions are in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 



Given these violations, I am formally disputing any and all debts claimed by LVNV Funding LLC. Additionally, I am exercising my right to revoke all communication permissions, including email, text, and phone calls. 



In my previous correspondence with LVNV Funding LLC, I have requested the following without receiving any satisfactory response : 1. Debt validation.

2. The purchase agreement between LVNV Funding LLC and the original creditor.

3. Proof that LVNV Funding LLC is licensed and bonded. 



I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate these violations and ensure that LVNV Funding LLC complies with all applicable laws and regulations. Furthermore, I request proof of certified mail receipt for my records. 



Thank you for your attention to this matter. Please contact me if you require any additional information. 



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

In accordance with 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

In accordance with 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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX theft Account number XXXX XXXX identity theft Account number XXXX XXXX Identity theft Account number XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Student loan

I was enrolled in REPAYE prior to the end of the COVID-19 forbearance ( see documentation provided ). Instead of automatically moving my loans into the SAVE plan, MOHELA placed them in the Level plan ( see documentation provided ). I am now forced to pay {$2000.00} per month indefinitely until they convert me to the SAVE plan payment of {$520.00} per month. MOHELA has provided no timeline for when this change will take place. The MOHELA representative I spoke with today told me I am responsible for all payments until they can convert me to SAVE ( ie, correct their error ). MOHELA is stonewalling me, prohibiting my access to an income-based repayment program I was approved for and am currently eligible for. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

- I shopped for the best home equity line of credit I could get - I pulled my own credit score and was over the acceptable level that was needed, a score ( XXXX - XXXX  XXXX to ascertain the loan - I phoned 15 loan companies and asked them to give me a quote with their best interest rates and I told all of the loan companies that I was contacting their competition to get their best interest rates and I would compare and select the loan company that was the best value for me.

- Each company told me that to get the best interest rate from them they would need to see my credit score and asked for my social security number which I gave them - 12 of the companies sent me a quote via email or regular mail. these quotes were typically sent on an application form and I was asked to sign it and mail it back to them - I did NOT sign any of these applications - This process took me about 3 months to get to this point - I selected XXXX XXXX to get the loan and I went to their office and set down with the manager, filled out the application and I signed it and submitted it - 2 days later XXXX XXXX  contacted me and said my score was XXXX with XXXX  and that the XXXX  report is what they use as reference to meet the XXXX credit score - XXXX XXXX  declined my loan - I contacted XXXX  and asked them what happened to my credit score - XXXX  said I have 10 " Hard Inquires " that deducted points from my credit score each of the 10 " Hard inquires '' reduce my credit score between 1 and as much as 20 points - I went on XXXX  ; s website and read their definition of " Hard inquiry '' which states an application for a loan. An incomplete ( unsigned ) form is Not an application. 
To apply for a loan the application must be signed - I explained to XXXX  that I did NOT apply for a loan except 1 with XXXX XXXX and that the other 9 inquires are " Soft inquires '' that do not deduct points from my credit score - I also explained to XXXX  that I had received mail from some of the loan companies declining their offer due to incomplete applications because they were NOT signed and submitted - XXXX  suggested that I contact the 9 loan companies and ask them to remove the " Hard inquires '' - I called 2 of the loan companies and since I did not go with their loans they paid no mind to my request to change the inquires from " Hard '' to " Soft '' - I called XXXX  back again and asked them to help me to correct this faulty reporting They said that the loan companies are responsible to provide 100 % correct information and that XXXX  only passes this information along - I pointed out that XXXX  has a responsibility to pass along CORRECT information due to the fact that this information is controlling my life and is their a department that I can file a complaint to and get this faulty information corrected, They said CFPB Please give me direction as to what I can do
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIDAVIT : In this court of record I, XXXX XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and XXXX, Equifax, XXXX  are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

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

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL i did not authorize any consumer reporting agency to furnish a fraudulent XXXX XXXX XXXXXXXX XXXX XXXX XXXX on my personal consumer report which is a violation of privacy. Failure to respond satisfactorily with the deletion I demanded will result in legal actions taken against the consumer reporting agency and all parties involved for which I will be seeking {$1000.00} per violation : 1. Defamation of character 2. negligent non-compliance 3. Civil liability 4. Mental anguish 5. Fair Credit Reporting Act 15 USC 1681 violation for willful noncompliance 6. 616. Civil liability for willful noncompliance ( 15 USC 1681n ) 7. Identity theft
Product: Prepaid card

I have XXXX prepaid American Express Gift Cards in the amount of {$100.00} each. 
I checked the balances at amexgiftcard.com and they both show full balances of {$100.00}. 
I have screenshots. See attached. 
I have tried to use these cards online at XXXX, XXXX, and XXXX I am sure I tried them elsewhere, but those are the three that I recall. Local business will not even run them because they are " troublesome ''. I also tried to add them to my XXXX XXXX but they were declined. Most commonly the error I get is that there is an issue with the security code. 
I have spent hours and hours trying to get these to work but have had no success at all. 
" Customer service '' is useless. 
This complaint is for card XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXX XXXX, Account # XXXX name XXXX XXXX  :, Account name XXXX XXXX Bank # XXXX, Account name XXXX : XXXX XXXX, has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX had removed XXXX XXXX XXXX XXXX from my credit report. Experian is currently still reporting on my credit report as of XX/XX/2024. Ive attempted multiple times to have it removed, but Experian claims accurate reporting.
Product: Checking or savings account

On XX/XX/2023 someone withdrew {$500.00} from an ATM in New Jersey. I got a notification on my phone and locked my card and called chase. Then chase called me and let me know someone tried to take out more money and they restricted my card. 

The card used was a replacement debit card, which I was waiting for in the mail. When I went to the local chase bank to change my accounts, they let me know it was an XXXX man who then went to the teller to get more money using my pin. 

In XXXX I was informed my fraud claim was denied because they used my debit card and my pin.they clearly have information that it was an XXXX man who took the money and the tellers flagged it suspicious. I was in XXXX at that time. There was no way it would be me or someone I know. I locked the card, if not, this personal would have cleared me out and chase would say it is not fraud and not reissue the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX Never gave TRANSUNION any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following account, XXXX XXXX XXXX ACCOUNT # XXXX BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or I will proceed with LITIGATION
Product: Credit reporting or other personal consumer reports

IN XXXX I WAS CONTACTED BY A XXXX CREDIT BUREAU REGARDING A DATA BREACH AND WAS TOLD THAT MY PERSONAL INFORMATION INCLUDING NAME BIRTHDATE AND SOICAL SECURITY WAS COMPRIMISED. A FEW YEARS LATER I WAS RECIEVING EMAILS ON HOW TO PROCEED WITH A SETTLEMENT FROM XXXX REGARDING THE DATA BREACH. AT THE INITIAL TIME THAT I WAS INFORMED OF THE DATA BREACH I CHECKED MY CREDIT REPORTS AND FOUND NO SUSPICIOUS ACTIVITY SO I ASSUMED EVERYTHING WAS FINE. BUT AS OF RECENTLY ( XX/XX/XXXX ) I HAVE COME TO FIND THAT MY INFORMATION HAS BEEN USED TO OBTAINED SEVERAL CREDIT CARDS IN MY NAME BUT WAS NOT MAILED TO MY RESIDENTIAL ADDRESS BUT WAS INSTEAD MAILED TO A DIFFRENT LOCATION. THE CULPRITS THEN MADE PAYMENTS ON THESE CARDS FOR A PERIOD OF TIME TO GAIN MORE CREDIT CARD FROM THESE CREDIT COMPANIES AND THEN MAXED THE CARDS OUT AND EVENTUAL STOPPED PAYING, I HAVE REACHED OUT TO THESE COMPANIES WIH LITTLE TO ANY RESULT BUT A FAMILY MEMBER INFORMED ME I SHOULD GO FILE A POLICE REPORT REGARDING EACH FRAUDULENT ACCOUNT ( WHICH I HAVE NOW DONE ) AND FILE A COMPLAINT AGAISNT THESE COMPANIES -XXXX XXXX ACTT # XXXX -BALANCE {$4800.00} IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX # XXXX BALANCE {$750.00} IS AFRAUDULENT ACCOUNT, XXXX. XXXX XXXX ACCT # XXXX BLANCE {$180.00} IS A FRAUDULENT ACCOUNT, THESE ACCOUNTS ARE AFFECTING MY ABILITY PURCHASE A HOME AND I NEED HELP.
Product: Credit card

First Progress XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX and Secured Credit Card XXXX XXXX XXXX  XXXX XXXX, TN XXXX Account Number : XXXX I have not used this prepaid credit card since XX/XX/XXXX. Again, this is a prepaid credit card. I applied for this, in XXXX to help build my credit. I had to give them a {$200.00} deposit of my own money to open the card. I do not have this money back. I order to use the card ; you must have money on the card. Once you have used the {$200.00} you have put of your own money each month, can not use the card at all. This means you can not ever owe them money or have a balance. This is not a line of credit. I have had issues with this credit card company from the start. They are frauds and thieves. I have recorded a conversation calling to cancel this card. They kept charging me late fees and reporting me to the credit bureau for a prepaid credit card, I do not owe any money to and have recorded conversation of canceling the card. They even agreed to waive the late fees. Now they have the audacity to send me a bill for {$200.00} and {$120.00} of late fees for a card, I cancelled. Late fee 's rent waived, and for money I never spent, because it is a prepaid credit card. I can not use it if I do not have any money on the card to use. 
I do not owe these people anything. They owe me the {$200.00} deposit they collected when I opened tis card. Please provide an email address, so I can send the recorded conversations of my conversation with the credit card company. They had the audacity to report me to the credit bureau over this. I have no way of sending copies of my recorded conversation to the credit bureau 's. They need to correct this, with the credit bureau, refund my {$200.00} deposit, and remove the late fees. They are full of XXXX. I do not owe them XXXX!
Product: Debt collection

I have been traveling out of town for the last two weeks for work and returned home last Friday to find a POSTCARD in my mail that had been collected for me by my neighbor with information about a class action lawsuit for Midland Credit Management. I was absolutely mortified! I do n't even owe Midland any money ( debt was paid last year ) and they do this? This is absolutely horrible.How embarrassing that my neighbor saw this! 

I know that the FDCPA prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. 15 U.S.C. 1692f. Further, Section 1692f ( 8 ) specifically limits the language that debt collectors may place on envelopes sent to consumers : Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This postcard I received identified me as part of a class action settlement against a debt collection agency. Specifically MIDLAND CREDIT MANAGEMENT! How did this happen? 

I can not even tell you how much this has distressed me being publicly humiliated like this. I am certain this will probably lead to ANOTHER lawsuit if it has n't already.
Product: Credit reporting or other personal consumer reports

The debt with XXXXXXXX XXXX has been settled and I want this account removed from my credit report.
Product: Credit reporting or other personal consumer reports

I do not recognize this inquire. Nor did I apply for this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Good day, I am submitting a follow-up complaint to address fraudulent inquiries listed on my credit report. I request that the XXXX and TransUnion bureaus review and remove the following unauthorized inquiries, in compliance with legal requirements : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX