23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV Funding LLC has been reporting an inaccurate account to XXXX  XXXX XXXX, a consumer credit bureau, for years after several attempts by myself to dispute. I have never done any business with LVNV Funding and they have no proof that I owe them any debt. I have disputed this debt several times, including XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. In the process, LVNV Funding LLC has committed multiple violations under the Fair Credit Reporting Act.
Product: Checking or savings account

Chase bank allowed XXXX XXXX mortgage to withdraw over {$19000.00} from my checking account without my authorization.
Product: Credit reporting or other personal consumer reports

Recently, I requested verification of inaccurate accounts reporting on my credit report that your bureau maintains. I received a response stating that the account ( s ) were verified.

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for you investigation of the following accounts, as required by FCRA 611 ( a ) ( 7 ) : 1. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. 
I would like those items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
In accordance with the fair credit reporting act public law 91-506, Title VI. Section 611, please provide the name and business addresses of each individual with whom you verified the account, so that i may follow up. Please send me an updated copy of my report after your investigation. 
The account is XXXX XXXX XXXX XXXX
Product: Debt collection

The information provided for these accounts is insufficient for proper validation. I am requesting that you promptly remove these items from my credit report, as they do not meet the necessary criteria for accurate reporting. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verifiable information on my credit report. I expect your thorough investigation into these matters and request confirmation of the removal of these accounts from my credit report. Kindly provide any supporting documentation used to validate these debts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. Also, This serves as my final communication before pursuing legal action against your non-compliant company. Please be aware that my intention is genuine, and I am fully prepared to take legal measures to protect my rights as a consumer. To potentially resolve this matter without legal proceedings, I am once again outlining the inquiries in question for your attention. Complying with FCRA regulations, I request an investigation into the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attempts to contact these companies independently have been unproductive. The provided phone numbers on my credit report are inaccurate, and those companies I managed to reach have no record of my existence. This raises serious questions about the permissible business purpose behind these credit inquiries.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My forbearance ended in XX/XX/XXXX and deferment was approved at that time as well. According to the terms of the deferment letter I will resumed regular monthly mortgage payments of {$1300.00} starting XX/XX/XXXX and the past due amount will be deferred to the back end of my loan terms. But the servicer, Lakeview Loan ServicingXXXX , to this day has not updated my account according to the deferment terms. I've called every month since XX/XX/XXXX to inquire about this issue and every time they tell me it'll be fix in XXXX weeks. I continue to get collection calls from them. It has been 4 months and they still haven't updated my account according to the deferment terms. They are currently showing my account as delinquent with a past due amount instead of deferred as agreed. Now they have applied the recent four payments for XX/XX/XXXX to XX/XX/XXXX towards the past due months at the start of my forbearance which is XX/XX/XXXX to XX/XX/XXXX. Attached is the Deferral Agreement and the latest mortgage statement showing the past amount during forbearance has not been updated as current.
Product: Debt collection

I have a card with Santander Bank that I use for automatic insurance charges. My last charge went through in XX/XX/XXXX. I forgot to check the card to make payment since I don't use it frequently. Santander did not notify me that I had a balance due on the card until XX/XX/XXXX, 120 days since it's been delinquent. I paid off the balance immediately after being notified for the first time, but I had to do it over the phone because they locked me out of my online banking account. I filed a complaint with the XXXX  and the rep at Santander I'm working with investigated my account, and confirmed that they had made no attempt to contact me about my delinquent card since it entered that status XX/XX/XXXX, until XX/XX/XXXX, which I immediately remedied when but it was the first and only time they contacted me about it. Though they did not make any attempt to make me aware of the charges or collect them, they reported my credit line delinquent to the credit bureau for 120 days. My credit history has been perfect, and my score was above XXXX before this incident. I'm in the process of trying to buy a home, recently ran my credit, and my credit score is now around XXXX. Their failure to notify me about this balance for 120 days is leading to major problem for me, due to the timing of my home purchase, which i'm under contract for, and I fear it may jeopardize it altogether. If Santander can not help me rectify my report, fix my score in a timely matter, I'd like to pursue statutory damages. It seems like failure to notify a person of debt owed is in violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed I had some fraudulent accounts on my report. Please remove these accounts from my report, as they are hurting my ability to obtain credit.
Product: Credit card

I have been a customer of CitiCard MasterCard since XXXX. I have always paid my bill each month in full. My XXXX bill was due on XXXX XXXX, 2016. They received my payment on XXXX XXXX. When I received my statement in the mail today, I noticed that they have charged me {$23.00} interest. I immediately called them and asked them why they charged me this amount when the payment was received before the due date. The lady connected with me with a foreign gentleman. I explained the situation to him. My daughter explained the situation to him. He refused to take this amount off of my bill. How can a company charge you interest like this? Are they putting these charges on people 's accounts thinking that they will not notice it and pay it? I believe that is unethicial and not right! They need to be reported and held accountable for doing business in this matter!
Product: Checking or savings account

I am still being denied access to opening a checking account or even adding my name to another persons account.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely Experian and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.
Product: Credit card or prepaid card

I signed up for a new cash rewards card with PNC months ago and was suppose to receive a bonus of XXXX dollars when I spent 1000 or more total in three billing cycles. I called PNC numerous times and was asssured I had met this just keep using the card and was just taking sometime. Finally it reach where it was was taken to their complaint department after calling again who called me back recently telling me they dont have any promotions for XXXX dollars back yet its clear as day they do and is posted online still today. So in the response submitted to the CFPB I ask PNC provide all promotions offeres in the last year to current. Furthermore, failing to provide the advertised promotions is possibly a direct violation of unfair predatory banking practices and possible violations to consumers protection acts and the Dodd Frank Acts. Many new accounts were opened with PNC and people arent getting what was advertized which is not only unfair to consumers but other big banks like XXXX and XXXX  XXXX XXXX who have honored their promotions and agreements with consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft there are numerous accounts on my credit reports that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account Has an inaccurate information and amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 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 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.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY EXPERIAN REPORT AND NOTICED TWO XXXX XXXX ACCOUNTS THAT SHOULD NOT BE ON MY REPORT. XXXX XXXX FOR ACCOUNT BALANCE XXXX, XXXX XXXX ACCOUNT BALANCE XXXX. MY CONCERNS THAT THE CREDITORS ACCOUNT NUMBERS ARE DIFFERENT FROM EXPERIAN CREDIT REPORT. THIS IS FRAUD AT AN ALL TIME HIGH. I KNOW MY CONSUMER RIGHTS. I AM BEING MISS TREATED. 

THERE ARE LAWS IN PLACE AND I KNOW MY RIGHTS! 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

LJ Ross refuse to show validation of the debt they claim I owe them! I have requested validation of any, pertaining to LJ Ross and I in any contract or agreement. I 've written the credit bureaus as well as LJ Ross. Each company refuse to validate the account LJ Ross claim I have with them.
Product: Bank account or service

I used my PayPal account in late XXXX of this year to make XXXX different transaction withdraws from my bank. These transactions were being sent to XXXX different places. PayPal XXXX dipped into my account and took out each transaction XXXX. When I saw that PayPal had taken money out of my account again, 3 days after the original withdrawal, I called PayPal and asked that they simply refund the extra payments they removed without my authorization back into my bank account. They said they would have to look into it. Well, PayPal tried to take the money out again. I know this because I have fraud protection on my bank account and my bank informed me that someone was trying to take out money from my account. I called PayPal again and they said I would have to get official bank documentation and send it to their appeals department. I did just that. I started to get harassing phone calls from PayPal along with email saying that I owed them money because was account was in deficit. What? They are the ones who stole my money and now have it and wont give it back to me! I again went back to the back and gathered more information and faxed them again. Still I continue to get XXXX very hostile phone calls a day from XXXX until XXXX including Saturdays and still receive emails. I decided to go back to the bank brank and get detailed very precise wire transfer documentation from the bank on bank letterhead and stamped with the bank seal by the branch assistant vice president and a hand written letter to boot and over night certified this information to PayPal. I continue to receive threatening phone calls from PayPal saying they have ruined my credit and I am in default of payment. I do not understand how a collections department can not decipher very precise line by line information from the bank that clearly shows the withdrawer as PayPal on the wire transfers out of my bank. I would be very excited to have your assistance in clearing up this matter with me and going after PayPal and getting my funds back and clearing up any and all bad credit that they may have caused my name or account on/for any future credit reporting. I truly need your assistance because they are so threatening that I do not want to communicate with their company any longer without assistance. I look forward to having a representative assist me with this matter. Thank you in advance truly
Product: Credit reporting or other personal consumer reports

This is my 15th endeavor to tell you 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, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXXBalance XXXX {$420.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}
Product: Student loan

Trying to obtain original MPNs for my student loans as well as subsequent transfer MPNs. I have contacted the university, StudentAid.gov and FedLoan, the only document I finally received was an MPN for consolidation in XXXX. The original loans were for XXXX, consolidated first between XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Hey hope all is well, I just viewed my recent credit report from XX/XX/XXXX and I discovered some inquiries, accounts and public records that I did not authorize and also have no connection to me, I have also attached the evidence in accordance to these erroneous claims. I am a victim of identify theft and would like these stated inaccuracies that have no permissible purpose to be on my report removed. All inquiries and accounts and other erroneous reports should be removed due to violation of 15 USC 1681b.

According to 15 USC 1681 : As the consumer I have the right to privacy and I did not give XXXX or ANY other bureau written permission to furnish these accounts. Also information furnished needs to have " Maximum possible accuracy '' XXXXXXXX XXXX  TransUnion XXXX.
Product: Checking or savings account

Since XX/XX/XXXX American Express Bluebird Debit Card Customer Service reps have been giving me the run around. I purchased this card for {$5.00} in XX/XX/XXXX and used it until just recently for paying bills, online purchases, and direct deposit of my VA compensation check just to name a few. 
My VA check this month was processed on XX/XX/XXXX and received by Bluebird thru American Express National Bank. That check is being held by them and not released to me. I called The Veterans Benefit number today at XXXX and spoke with a representative who helped assist me in my future direct deposits however he told me explicitly that the VA has not received my check back and that it has been in FACT deposited into my Bluebird account. 
The Bluebird representative told me that I was pre-selected to have my account shut down and would give no reason as to why I never received notification that Bluebird was doing this. They are collecting interest on my check that they are are not releasing to me now for at least the last 4-5 days. 
I want my VA check released to me by Bluebird A/S/A/P. I also want the {$5.00} I paid for this card ending in # XXXX refunded to me. I also want refunded the {$5.00} for the Bluebird card I had gotten for my son that never worked ending in # XXXX and also {$5.00} for the Bluebird account I got for my boyfriend XXXX XXXX ending in # XXXX whom no longer wants the card. Furthermore I want refunded the {$5.00} I was charged on top of purchasing these cards each time when I used them for the first time. 
I want refunded a grand total of {$30.00} for my inconvenience. I want the refund based also due in part to the deliberate run around I endured. Reps knowlingly were telling me for days that my direct deposit could take up to several days to reach my account. They knew full well what was going on with my account and lied to me. I want this refund also based upon the fact that Bluebird caused me direct stress and aggravation with their complete lack of customer service and regard for my VA income. Lastly for hassles I have endured causing me to be late paying my bills. ALL due to Bluebirds total disregard of my account and funds due to me from the US Treasury on the first of every month. I never had an issue with Bluebird like this for over 6 years until I recently started utilizing another bank. Coincidence, you be the judge.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX XXXX XXXX Personal Information : Employers : XXXX XXXX Employers : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor and my sign hippa release form. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.