23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is in reference to a previous complaint XXXX XXXX XXXX  that I submitted. I was on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they tried to say that I owed an early termination fee after I had already provided them with XXXX  and my last months rent. The matter was investigated and they in fact received my XXXX and an early termination letter. They closed the matter and said they would report to the credit agencies, THEY DID NOT. Now they are saying I owe XXXX XXXX after the matter was closed and I owed nothing. They continue to use predatory means to collect on a debt not owed and continue to illegally report debts that I dont owe on my credit. 

Ive been contacted and threatened repeatedly by a Genesis employee XXXX. Even after I provided him proof the matter was closed and I didnt owe, he continues to call and send emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account back in 2015. It was suppose to be a pay for deletion account off my credit report. Since then, I have disputed and wrote letters to have it removed. The account was paid in full and it still remains on my credit report. Please remove from my credit report
Product: Credit reporting

I filed chapter XXXX bankruptcy in XXXX XXXX, XXXX. I completed chapter XXXX bankruptcy in XXXX XXXX XXXX. After chapter XXXX I did a mortgage loan modification with XXXX XXXX Mortgage. I started a new loan on XXXX XXXX, XXXX up until now. The dispute I have is that all major credit bureaus are reporting my mortgage loan information except for Experian Credit Bureau. I have disputed this item with Experian Credit Bureau and have let them know XXXX XXXX is reporting my information to them and they response is that XXXX XXXX is not reporting my current mortgage loan to them. I have repeatedly since XXXX XXXX, XXXX have asked to investigate and they repeatedly is blaming XXXX XXXX Mortgage. This is hurting my credit score and preventing me from getting credit from other lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, my identity was stolen and several fraudulent accounts were opened in my name. One of the fraudulent accounts was with SHELL/CBNA. While I have managed to get all of the other fraudulent accounts removed from my credit report, the SHELL/CBNA account remains. I have contacted them several times. Most recently I sent them a second dispute letter on XX/XX/XXXX. I have still heard nothing from them and the fraudulent account still appears on my credit report. 
The fraudulent account with SHELL/CBNA was opened XX/XX/XXXX. It is now listed as " closed, '' with no outstanding balance. I wish to submit a complaint about this and still hope to get this issue resolved.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/2024 ] [ Consumer Financial Protection Bureau ] [ Consumer Response Center ] [ XXXX XXXX XXXX XXXX XXXX [ Washington , DC XXXX ] Subject : Complaint and Dispute Regarding Violations of Consumer Laws by LVNV Funding LLC Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding the actions of LVNV Funding LLC , a collection agency, which I believe are in violation of multiple consumer protection laws. I request that LVNV Funding LLC cease all communication with me via email, text, and phone calls until the matters outlined below are resolved. 

1. Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Failure to Provide Proof of Agreement LVNV Funding LLC has failed to provide me with adequate proof of any agreement or contract between myself and the original creditors associated with the debts they are attempting to collect. Per 12 CFR 1006.34 ( b ) ( 5 ), consumers are entitled to receive this information upon request, and LVNV Funding LLCs failure to provide such documentation is a violation of my rights under this regulation.

2. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : Failure to Provide Debt Validation I have formally requested debt validation from LVNV Funding LLC in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). However, to date, they have not provided me with the necessary documentation to verify the validity and accuracy of the debts they are attempting to collect. This failure to comply with the law further compounds their violations of consumer protection regulations.

3. Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) : Harassment and Misleading Communication LVNV Funding LLCs continued attempts to contact me via email, text messages, and phone calls despite my request for communication to cease constitutes harassment under 12 CFR 1006.34 ( d ). Additionally, their failure to provide accurate and complete information about the debts in question, as required by 15 USC 1681-S 2 ( 7 ) ( A ), is misleading and deceptive.

Therefore, I request the following actions be taken : 1. LVNV Funding LLC must immediately cease all communication with me via email, text, and phone calls until they have provided adequate proof of agreement between myself and the original creditors, as well as the necessary debt validation documentation.

2. LVNV Funding LLC must provide me with written confirmation that they have ceased all collection activities until the requested documentation has been provided and verified.

3. LVNV Funding LLC must provide proof of compliance with all relevant consumer protection laws and regulations governing debt collection practices.

I appreciate your attention to this matter and request prompt investigation and resolution of these issues. Please inform me of any further actions I need to take or documentation I need to provide to support this complaint. 

Thank you for your assistance. 

Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporting act the following accounts has violated my rights : XXXX. The following account is not mine XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Student loan

From XXXX, XXXX to XXXX, XXXX I acquired private student loans from Citibank Student Loans. The promissory notes for those loans state that the loans are variable interest rate loans. 

The interest is to be calculated, according to my promissory notes, as so ; " The 'Variable Rate ' for each Loan made under the Note is the sum of the Prime Rate published in The XXXX XXXX XXXX under the 'Money Rates ' section for the day which is 30 days prior to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of each year ( the 'Index ' ) plus or minus the percentage, as identified on the applicable Conditional Approval Letter that I received in connection with the Loan ... '' The note goes on to say, " The Variable Rate will change quarterly on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of each year. '' Here is the problem. XX/XX/XXXX the Prime Rate ranged from 7.5 % to 8.25 %. However, the Prime Rate, in accordance with the XXXX as outlined in my Notes, plummeted to 3.25 % in XXXX, XXXX and has held at that rate until XXXX, XXXX. My interest rates on my loans were never adjusted quarterly, as outlined in my Notes, resulting in some cases where I was paying TRIPLE the interest that I was legally supposed to. 

My loan providers did not follow the language of our contract and I have overpaid a tremendous amount in interest due to this mistake.
Product: Credit card

On XX/XX/, I purchased an item for {$410.00} from XXXX. The item arrived broken, so I reached out to try to get a replacement. My attempts were ignored so I called my bank ( Chase ) to dispute the charge. The dispute was opened on XX/XX/XXXX. I was told the process usually takes around 35 days. After a month, I called for an update and was told to call back in XXXX. I called at the beginning of XXXX and was told to wait another month. I then called at the beginning of XXXX and was told they would have my dispute resolved on or before XX/XX/XXXX. It is now XX/XX/XXXX and I have just been told the dispute is still not resolved. This time, they would not provide me with an estimate and told me that I just needed to keep waiting. I have been waiting 99 days for this dispute to be resolved and now feel as though I am being ignored entirely.
Product: Money transfer, virtual currency, or money service

I've been attempting to link my debit card as a funding source to my Bluebird account, I'm receiving an error message stating to check the CID number ( security code ) and or billing address, which are both correct and match billing statement. Prior to this, a block or restriction was placed on account preventing the card from being linked. Supposedly, this block was removed as per a XXXX XXXX. It does not appear it was removed and customer service reps only offer varying reasons for error, none of which make sense. Reasons include ... .. I need a dollar on my account as a one time transaction or processing fee, that part of the system is down for maintenance, my bank does not allow my card to be added which it was prior under a different card number. Previously, card ending in XXXX was in fact on file as a funding source, the card was removed as it was reported lost/stolen. I am attempting to add card ending in XXXX, it is saying I need to verify billing and or CID number which both match ... It appears there is still a block preventing me from linking any card as a funding source
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX added a hard inquiry to my report that I didn't authorize. Company could not provide me with verifiable proof of hard inquiry which violates fcra requirements.
Product: Credit reporting or other personal consumer reports

The mistakes on my report are causing unnecessary challenges and unfairly lowering my scores. Its frustrating to be blocked from opportunities because of errors I had nothing to do with.
Product: Debt collection

The law firm is trying to collect after the statute of limitations. The paper work sent is not complete or signed by the bank. I have never heard of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which violates federal law. I previously sent a letter to the three credit bureaus on but I have not received any response. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the FCRA, these accounts must be accurately verified. If they are not validated, I will be compelled to pursue legal action. I strongly urge you to comply with the law and resolve this issue without further delay. 
XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$9100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN TO Whom this may concern Under 15 USC 1681b- Permissible purpose of the consumer reports 15 USC 1681b- ( a ) In general ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER FOLLOWING CIRCUMSTANCES AN NO OTHER.

( 2 ). In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 

I XXXX XXXX XXXX the CONSUMER never gave EXPERIAN any WRITTEN consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. 

UNDER 15 USC 1681-Congressional finding an statement of purpose. 

EXPERIAN didn't RESPECTS my CONSUMER rights to privacy, which is a violation of 15 USC 1681-a4 EXPERIAN sells an share CONSUMER info WITHOUT the CONSUMERS consent. 

I the consumer have notice that there are accounts illegally furnished on my consumer report. I DEMAND that you remove these inaccuracies ( listed below ). IF THEY ARE NOT REMOVED I the consumer will not EXTENT MY CREDIT TO ANYONE OR ALLOW EXPERIAN TO FURNISH A REPORT FOR ME. 

REMOVE THESE ACCOUNTS. 

1. XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX I would like to state that pertaining to 15 USC 1681- ( a ) that the banking system id depended upon fair an accurate consumer report. BY EXPERIAN VIOLATING LAW, it has cause me to lose confidence in the banking system. ALSO, UNDER 15 USC 1681- ( a ) ( b ) EXPERIAN had invalid inaccurate info on my CONSUMER REPORT such as, WRONG SSN I HAD TWO SSN ON MY REPORT, WRONG ADDRESS, ALSO WRONG EMPLOYER. IF EXPERIAN WAS DOING ITS LAWFUL DUTIES IT WOULD HAVE CAUGHT THESE JUST LIKE I THE CONSUMER DID. 

IF EXPERIAN WANTS TO CONTINUE DOING BUSINESS ME, PLEASE DELETE THESE INACCURATE ACCOUNTS FROM CONSUMER REPORT. 



SINCERELY XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My information has been improperly used. Now my credit report has this item that is not 100 % accurate. To make matters worst, my credit card limits got reduce because this inaccurate item is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion : I XXXX XXXX XXXX am working on my own credit and I authorize the CFPB to receive info on my behalf so I can keep record for Law suit purposes if you do not honor or refuse to process my request. 

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 The following inquiries are unauthorized : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX PXXXX 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 XXXXXXXX XXXX XXXXXX/XX/XXXX I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Credit reporting or other personal consumer reports

CFPB Writeup : 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 XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt or credit management

XX/XX/XXXX. Received notification my credit score went up. Went to credit karma and offered XXXX guarantee if not approved. Denied. Received a hard hit inquiry which hurt my credit. 

Chatted with customer support who did not honor the guarantee and basically said it was up to the creditor. 

I wouldn't have applied if I was guaranteed.
Product: Student loan

TWe have been caught up in the MyFedLoan program for years. Finally, in XXXX, we received a notice that we have made 152 Qualifying payments, which is more than the 120 required, and that we have no more Qualifying payments to make but our loan still has a Balance Due- can you help us to get them to XXXX the discharge before Fedloan quits? Thanks you!!
Product: Checking or savings account

Truist bank should have a back up method that allows clients to close their account even during a system failure by using XXXX XXXX instead and ever since the merger they have been very consistent with their system failure issues this not the first time but yesterday XX/XX/22 not only their branch level system was down even their ATM so no one was able to take their own money out or close their account and the branches didnt provide any work around so their was no other method inplace to help the client access their money during system issues, as a large bank this is a un excused matter how could they keep clients money away from being accessed one will think its their way to show a growth in the cash balance collected by holding the funds for the most part of the day to help with their own financial needs its been like that ever since the merger I would like to sue the bank for such matter, they have done the same by not allowing us to access our accounts through our bank cards or even online and they also blame it on the merger its time that they pay for not allowing us to access our hard earned money they should have had a back up plan in place but instead they invested on the new logo not on how to prevent clients not having access to their own money
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked with XXXX XXXX Mortgage Consultant ( NMLS # XXXX ), XXXX XXXX  XXXX  with XXXX XXXX XXXX. I was advised and only authorized my credit to be pulled XXXX. I received pre approval letters and after my offer was accepted no contact from the lender or the management was made. My RELATOR had to continually reach out in order to receive communication on what was going on for 2 weeks and he was able to reach management who advised I was never pre approved. My credit was pulled an additional 4-5 times without my consent or knowledge I have attempted to resolve with the manager and lender XXXX XXXX XXXX and have received no response to get this additional unauthorized pulls removed from my credit as it is impacting it " hard inquiry 's ''.
Product: Credit reporting or other personal consumer reports

Im filing this report against both Experian and XXXX for a debt on my credit report, both data furnisher keep updating a debt ( XXXX ) account number XXXX on both of my credit report. This debt was in repossession since XX/XX/year> but both agencies keep updating the debt to make it seem like it was a newly acquired debt, this is incorrect reporting and its hurting my ability to obtain credit at this time. Please see attachments below
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXXXX XXXX/2022 XXXX/2022 XXXX XXXXXXXX XXXX2022 XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX/2022
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations. 
I want the CFPB to publish.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances ... XXXX and XXXX XXXX have remove this debt why is Experian not complying!!! Delete the late payments on XXXX XXXX XXXX, XXXX   XXXX