23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV Funding a collection agency assumed this debt from XXXXXXXX XXXX XXXX and has responded to the CFPB as of date advising of the validity of said debt. To date I have requested a copy of a signed agreement between myself and XXXX XXXX XXXX on this debt to no avail. The is debt is over seven years old and XXXX XXXX XXXX advised it has written of this debt as charge off. How can LVNV funding now assume said debt without a valid contractual agreement signed by me from the original creditor? Providing a letter with the original creditor advise ment of payments is not an agreement or contract signed by me. I do not owe this debt and will not pay until I have received a copy of the original signed contract from XXXX XXXX XXXX  validate the debt is owed by me. Please request a copy of the original contract and the year this charegoff occurred to validate LVNV Funding right to collect on this debt from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX I have requested some form of paperwork of legal docs supporting the claims of the following accounts : XXXX XXXX XXXX, XXXX XXXX. This is the 3rd time I have filed a complaint over the unknown account on my credit file. 
It is well known that FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for theseissues, and that section 621 of the FCRA supports my request in this matter
Product: Credit card or prepaid card

Hi there - Since I am in the process of buying a car I had a shock when I hear my score is poor. I could n't understand why so I have checked online - now, I am not even sure if this is what affects it but I saw a Banana Republic card on my report. I do not have a card from them so I have no clue what that is. I will call them on Monday ( XX/XX/XXXX ) to understand more but I wanted to file this official complain with you as well. Copying the information for you below. It is ALL inaccurate. Thanks, XXXX # # # Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. High Credit {$120.00} Owner INDIVIDUAL Credit Limit {$3000.00} Account Type REVOLVING Terms Frequency MONTHLY Term Duration 0 Balance {$120.00} Date Opened XX/XX/XXXX Amount Past Due {$75.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment Date of Last Activity Scheduled Payment Amount {$31.00} Months Reviewed 4 Delinquency First Reported Activity Designator CLOSED Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Credit Card Date Closed XX/XX/XXXX Date of First Delinquency XX/XX/XXXX
Product: Prepaid card

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ohio XXXX XXXX To Whom it may Concern : I purchased a prepaid {$500.00} XXXX from XXXX XXXX. I purchased it for security while traveling. Half way through my trip to California, the card was shut off. I called the number on the back of the card XXXX. ( U.S. Bank National Association ). They confirmed there was still {$260.00} on the card. They told me the card was shut off for fraudulent activity. I asked why. They cited the last purchase I made at a gas station. I told them I made that purchase. They said once it is flagged for fraud it has to be replaced. They asked me to send a copy of the front and back of the card and my drivers license. They said a replacement card would be sent within 3 days. I did that on XX/XX/. A couple of weeks later I called to check on the status. They said the fax I sent was unreadable. They told me to enlarge the card and my DL by 100 % and try again. I did that. After another week, still no card. I called them again and the fax was still unreadable. I sent the exact same fax to my home and it is perfectly readable. I told them I need another method to send them the documents. They told me I could upload the documents on their web-site which I found after hanging up with the associate, to be untrue. The website directs me to call. I called back and the circle began again. I called this past Monday ( XX/XX/ ). I was told to lighten the fax and try it again and call back on Wednesday to verify they received it. I called back today and they still claim it is unreadable and refuse to give me any other option to send the documents. This card is issued by U.S. Bank National Association which is owned by U.S. Bancorp. I called them and they said they couldnt help me because there was no way for them to look the card up. If this isnt bank fraud, I dont know what is. It is unbelievable that this company does not have email to send documents to. It is unbelievable that a multi billion dollar corporation uses a fax machine as their only form of communication to its customers. 
What course of action can we take to recover the money that is owed to us? 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I mailed certified letters to the credit bureaus on XX/XX/23 containing a complaint about the accounts on my credit report along with a copy of my state ID, SSI card and a utility bill. I received a letter from the credit bureaus asking that I provide a copy of my ID, proof of address, and SSI to prove my identity and other said the information was factual.
Product: Credit card or prepaid card

This complaint involves 2 separate issues, both can be verified by listening to the phone call I made in reference to this account onXX/XX/2018.

Issue 1. Chase has declined my transactions and CONTINUES to decline my transactions EVEN THOUGH my account is paid in full AND CHASE HAS MY MONEY.

I no longer have access to the money in my bank account and neither do I have any access to the credit.

TIMELINE I have had credit cards for decades, including a Chase account in the past and I have never been late on a single payment. My credit score is in the 800s. I've had this account opened only for a couple of months. The first statement was paid in full - almost {$1000.00}. The second statement was issued on XX/XX/XXXX with payment due on XX/XX/XXXX.

XX/XX/XXXX -- A small transaction was declined at point of sale. I immediately called CHASE and learned my account was near its limit - note that the card was not over its limit.

XX/XX/XXXX -- I made a payment of {$1200.00} via EFT and Chase posted to the payment to my account on XX/XX/XXXX.XX/XX/XXXX-XX/XX/XXXX Significantly, with this partial payment, Chase released the bar to my account. I made charges to my account without issue and without being declined.

XX/XX/XXXX I made a payment of {$7200.00} to my account via EFT, paying the balance in full. And Chase posted the amount to my account on that same day, XX/XX/XXXX. Chase sent me an email on XX/XX/XXXX confirming the transaction had posted to my account.

From at leastXX/XX/XXXX- PRESENT Incredulously, with this later, full payment Chase blocked my account again and my card continues to be declined.

On XX/XX/XXXX I spoke at length to the " Supervisor '' in payments and accounting and they refuse to grant me access to my credit line.

When I asked what law or part of the contract permits them to deny me access to my money they said processing time MAY take up to 15 days. However, in this case, processing DID NOT take up to 15 days. They took my money nearly instantaneously and yet they continue to bar me from accessing my credit line.

Issue 2. The more brief issue : Chase almost violated my right to financial privacy/privacy and would have done so had I not been a prudent consumer. During my phone call, Chase thought it was necessary to include my bank ( XXXX XXXX ) on the conversation. I informed them my bank was closed. They said XXXX had service 24/7. They got XXXX on the phone and XXXX asked for my consent to speak to Chase. I wasn't the one who placed the call and wanted XXXX to verify their identity as well. XXXX asked for my full social, account number or card number. I volunteered to provide my address and XXXX could not identify me that way. I provided my full card number. And they had no record of me. Chase had called XXXX of COLORADO! NOT MY BANK! When Chase tried again with my XXXX XXXX, they found it s I had told them, my bank was closed. After an extremely long phone call and run around Chase said they couldn't help me but might do so tomorrow if I call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX2022 ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX, will not comply, I have old addresses, I have address where I didn't live at, names spell wrong, USC 15 1681 602a I have a right to privacy,15 1681 604a I didn't give permission for any to have my report to view my report, I want to dispute, when disputing XXXX suppose to remove the negative item but XXXX don't want to remove the item, XXXX, and the secondary credit reporting agency is doing what they want to do, I have the right for my credit report to look the way I want it to look,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  thank you for responding to the CFPB response case XXXX by stating you will not respond because I never get a written response when you state you will mail one to CFPB. I give you permission, any way you and Experian still report this alleged account XXXX XXXX serv. on my credit report and I have contacted all parties XXXX XXXX, XXXX  of XXXX, even the alleged hospital XXXX XXXX XXXX  one will respond to my request not one company this is fraud even the balance changed enclosed are documents that XXXX XXXX XXXX of XXXX, XXXX XXXX all have faulted on the information sent through the CFPB as a matter of record remove this alleged account. AND NO IM not a Credit repair person. be advised that one of these companies as or is under investigation for fraud by Attny GEN Office for billing { fraud } example alleged billing went from XXXX dollars to around 250 dollars now ovXXXX XXXX XXXXs all documented in case file just what ATTNY GEN is after PLUS the HIPP violation XXXX XXXX has committed<alleged debt bal increase out of the blue>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are alleged negative items showing on my credit report for which I do not recognize. Pursuant FCRA 623, I am demanding the removal of it.
Product: Debt or credit management

In 2019 data was compromised for capital one. I was a capital one member and never received a notice or email in spam or inbox about the data breach or class action lawsuit. Capital one failed to notify me as a loyal customer.
Product: Credit reporting or other personal consumer reports

I RECEIVED MY XXXX STATEMENT FROM XXXX XXXXXXXX ON MY XXXX XXXX IT SHOWS A BALANCE OF XXXX DUE ON XX/XX/23. I CALLED AND SPOKE WITH XXXX XXXXXXXX REPRESENTATIVE AND HE STATED THE CURRENT CARD STATEMENT SENT TO THE CREDIT BUREAUS IS AT A XXXX BALANCE, I SHARED THE INFORMATION REPORTED TO BOTH XXXX AND EQUAFAX WHICH STATED A BALANCE OF {$260.00}. THAT BALANCE SHOULDNT BE REPORTED BECAUSE THAT WILL BE FOR XXXX. MY XXXX SCORE DECREASED BY XXXX POINTS AND EQUIFAX DECREASED BY XXXX POINTS
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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

I am writing to request the immediate removal of certain account from my credit report, as reported by [ TransUnionXXXX XXXX XXXX The inclusion of these accounts in my credit report is causing significant damage to my creditworthiness and financial standing, and I believe it is inaccurate or has been resolved. 

I have carefully reviewed my credit report from [ TransUnionXXXX XXXX and have identified the following account that require your immediate attention : 1. Account Name : XXXX XXXX Account Number : XXXX Reason for Removal : The contract is null and void due to discrepancy I kindly request that you initiate an investigation into this account and promptly remove it from my credit report. The inaccurate reporting or inclusion of this account is causing undue harm to my creditworthiness, which has had adverse effects on my ability to obtain credit, secure favorable interest rates, and achieve my financial goals. 

I have attached supporting documentation that substantiates my claims regarding the inaccuracies or resolution of these accounts. Please review the enclosed documents and take appropriate action accordingly. 

I understand that, as per the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days of receipt. Therefore, I kindly request your prompt attention and resolution of this matter. 

Please provide me with written confirmation once the investigation is complete, and the accounts have been removed from my credit report. Additionally, I request that you provide me with an updated copy of my credit report reflecting the removal of these accounts. 

Thank you for your immediate attention to this matter. I trust that you will handle this request with the utmost professionalism and adhere to the guidelines set forth by the FCRA. 

Enclosures : - Supporting documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Collection, Account number XXXX Collection, Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/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 a account without my written instructions
Product: Student loan

In reference to student loan application id XXXX : On XX/XX/2023 I applied for a student loan on the Citizens Bank website. I was initially approved for {$76000.00}. After speaking with a representative at ( XXXX ) XXXX I was informed that the website was transitioning to an update and that I would need to re-apply. I expressed concerns that this was not advertised on the website and I already had my credit pulled and inquiries as a result. I was concerned that due to the inquiry, another inquiry might lower my creditworthiness or that I could potentially be denied for the loan all together if I had too many inquiries in a short time. I expressed this concern to XXXX XXXX at the Office of the Chairman and requested if either scenario happened if the bank would honor the previous approval due to the circumstances. The concerns and worst-case scenarios did not happen. I was approved, but now I am having difficulty finalizing, reviewing, and accepting the terms of the loan as the Citizens Bank website is not allowing me to access my loan documents. Citizens Bank has a regulatory and ethical obligation to provide loan documents upon approval. I have escalated this to XXXX  XXXX XXXX and she has escalated to the IT department for further review. At this time I still have no solution and am receiving an error due to the system being transitioned and or updated. I am a current student and need access to both my documents and funding soon as possible. This is a violation of the Dodd Frank Act. markets for consumer financial products and services operate transparently and efficiently to facilitate access and innovation. '' Due to the lack of accessibility and transparency I allege this offense to be valid and will continue to share my experience with other federal regulators. 

I also request the original inquiry on the first application be removed from my credit report as a result of the lack of transparency in the application process.
Product: Credit reporting or other personal consumer reports

Opploans ( the creditor ) is reporting incorrect information on my credit report which is negatively impacting my credit score. Opploans had my account as a charge off since XX/XX/2023 but yet hasnt send me a 1099c, due to this, this is misusing because the IRS describes a charge off as ordinary income which is incorrect in this instant and is violation of code 15usc 1681eb
Product: Credit card or prepaid card

I applied for a new American Express Delta Airline branded credit card. The welcome offer was XXXX Delta 'skymiles ' upon acceptance and {$4000.00} in purchases. I was approved for the credit card. I made a {$4300.00} purchase on Delta and paid American Express for the purchase. I needed the XXXX miles for upcoming travel. 

Two months later the XXXX miles was not credited to my account. I contacted American Express and was told that the welcome offer review usually took 8-12 weeks and to be patient. 

I waited another two weeks and contacted American Express again. I was told that the welcome offer was still in review and to contact them in another two weeks if the miles had not been credited to my account. 

I waited another two weeks and contacted American Express again. I was told that the welcome offer was not available to me because I had previously had an American Express Delta Airlines branded card. I was told that it was American Express policy to notify new applicants if they were not eligible for the welcome bonus during the approval process. I mentioned I was not notified. Further, I mentioned that I was not notified that I was not eligible for the bonus the first and second time I called ; and was only notified on my third call. The customer support agent ( XXXX ) told me she understood and asked me if I wanted to cancel my credit card. I did cancel it, without receiving the welcome bonus and losing the annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed date of first delinquency changed on report to XX/XX/XXXX from XX/XX/XXXX. 
still reporting wrong DOFD date extending date of removal until XXXX from XXXX
Product: Debt collection

I am disputing a debt collection related to an accident that occurred in XXXX. The debt was sent to collections after an insurance lapse, and while the collection agency has not reported the debt to my credit report yet, they have contacted me, demanding a large lump sum payment. After my request, they provided a price breakdown from XXXX XXXX that shows the amount owed. 

However, I believe the documentation provided does not fully address my concerns. The police report inaccurately states there was a stop sign at the location of the accident, which does not exist and if it did the driver did not stop. Additionally, the other party involved in the accident was a passenger, not the driver, which raises questions about liability as she is also stated a the operator on the police report that was sent. 

Furthermore, the debt collector has threatened to have my license suspended, which I believe is an unwarranted scare tactic with no legal basis. 

I am requesting that the debt collector provide additional substantiating documentation, including : Proof that they are legally authorized to collect the debt, such as an assignment agreement or purchase agreement with XXXX XXXX. 
Clarification of how the amount owed was calculated, and whether the liability breakdown takes into account the discrepancy in the police report and the questionable liability in the accident. 
The original contract or agreement between myself and XXXX XXXX to establish the debt 's legitimacy. 
If they are unable to provide these documents, I request that the debt be removed from my records and that all threats of license suspension cease immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTIONS/ CHARGED OFF ACCOUNT REPORT NEGATIVELY TO MY ACCOUNT THEY RESONDED BUT DIDNOT REMOVE NEGATIVE INCORRECT INFORMATION. 

CREDIT BUREAUS STATED THEY DID AN INVESTIGATION BUT HOW I THAT POSSIBLE WHEN THE OPEN DATE THE DATE LAST ACTIVE AND DATE LAST REPORTED IS NOT ACCURATE THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 ECTION 604 A SECTION2 : THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report due to a data breach incident. Under the protections provided by 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that the following items be blocked and deleted immediately. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$170.00} XXXX  - XXXX - XX/XX/XXXX - {$3200.00} XXXX, XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$690.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$650.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Debt collection

XXXX Collections is sending me to collections for an account for Discount Tire. I have never ever had these accounts or applied for any accounts with either of these companies. I have tried to dispute multiple times through the credit bureau but because the company says they are valid they listen. These are fraudulent charges and created by someone else or they are billing the incorrect person. They do not and should not have my information attached to anything and they will not remove it from my credit report.