23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights. 
LVNV FUNDING LLC XXXX XXXXXXXX 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. Which I did not consent to. I have not spoken to anyone from LVNV FUNDING. I have not confirmed that this is or is not my debt. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Which I have disputed for inaccuracies. There is no agreement with alleged client that grants authority to collect on this alleged debt. They knowingly are attempting to collect a debt knowing they have no signature or proof that I owe this debt which is a violation 15 U.S.C. 1692e which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

Also according 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$890.00}
Product: Debt collection

I am reporting Fraudulent account in my credit report, please delete XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for an XXXX XXXX AAdvantage credit card with Citi at the beginning of the year. I was approved for the card in XXXX and was charged an annual fee of {$450.00}. One of the benefits advertised for the card was access to XXXX XXXX admiral lounges in participating airports. As a result of the Covid-19 pandemic, this benefit has not been offered. 
Citi has not offered any compensation for the loss of this benefit. 
Before paying my annual fee I called Citi who mentioned that they are unable to make any compensation for the annual fee that was due and paid for in XXXX. 
I heard from a colleague this month who also has this card that he called Citi and they refunded his annual fee. I called Citi again on XX/XX/2020 to ask if I could have my fee removed and my card cancelled and they mentioned that the policy they came up with was to remove fees if the card was cancelled within 37 days of paying the fee. This policy was not communicated in any way shape or form. In fact, when I previously called ( well within this time frame ) I was told that there was nothing that could be done for me and the only compensation that would be provided would come if I paid an additional annual fee next year. 
This seems like a clear UDAAP violation, they are treating customers unfairly based upon when they happen to call and cancel their card ( without communicating the policy anywhere ). This is also a deceptive practice as I am not receiving the benefit that I paid for. 
I would like to have my fee removed or reduced THIS year as I have paid for a product / service that I am not receiving.
Product: Checking or savings account

On XX/XX/year> I was contacted by what I was thought was Wells Fargo. The result was {$1000.00} was wired to someone from my checking acct and {$5000.00} wax wired to someone from my savings acct. Wells Fargo has denied my fraud claim. A police report has been filed.
Product: Debt collection

I am a victim of identity theft and this debt does not belong to me.

Please see the identity theft report and legal affidavit attached.
Product: Checking or savings account

On XX/XX/year> there was a withdrawal of {$7800.00} made going to my chase bank account from my capital one account but my chase bank account is closed. I contacted capital one they told me that they sent it out to my chase bank account then I contacted chase bank they told me they never going any fund from capital one. So I go ahead and call capital one then they continue to tell me they sent the fund but I have never got it neither has chase bank. I have been dealing with calling back and forth for a while and Im tired of this and just want this solved and get my money back.
Product: Credit reporting or other personal consumer reports

I disputed a public record ( Collection Account ) which is not mine to XXXX, and XXXX continues to report the damaging information on my report. XXXX sent me a " Dispute Results '' pdf, stating that the information I disputed has been " verified as accurate ''. This is impossible, as the Collection account is not mine. The Collection company reporting to XXXX, CREDIT SERVICE INTERNATIONAL, can not have any valid proof that connects me as owner of the account, as I don't have, or have ever had any contractual relationship with the utilities company claiming a defaulted account. XXXX is the ONLY reporting agency erroneously posting this negative and derogatory information about me. PLEASE HELP!!! XXXX 's dispute process is a joke. I have always had excellent credit, and what XXXX is doing is certainly not FAIR CREDIT REPORTING!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$4400.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX   XXXX {$1200.00} XXXX XXXX XXXX XXXX {$560.00} XXXX AR XXXX {$1300.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Checking or savings account

I am writing as I received a denial on my dispute from my bank ( Chime ) regarding a transaction that took place on a chime ATM on XX/XX/XXXX. 

My bank shows a total of 9 transactions took place all for XXXX dollars, however I only received 8 of the 9 as the ATM retracted the money while I was counting the money I previously pulled. 

I was told by Chime that no error occurred and they sent me the attached document stating this was what was used to come to that decision. 

I do not understand what the document is supposed to show, and the third document is dated XXXX. Account shows XXXX was taken however only received XXXX due to retraction of money. 

Additionally, I reached out to the ATM provided and have not received a response. 

The ATM providers email is XXXX website : XXXX XXXX XXXX XXXX : Chime
Product: Credit card or prepaid card

XX/XX/XXXX- applied a reward credit to my account and scheduled the remainder of my payment due to be paid on the due date. 

Prior to the due date - confirmed online that both the payment and credit had posted so that by the due date I had no outstanding balance. 

XX/XX/XXXX - Went online to see that my account was past due, and I had been charged {$12.00} in fees. I am attaching the statement that shows that as of the date the statement was generated, payments and credits had been issued for the entire amount by the due date, but yet a late fee was applied. 

XX/XX/XXXX - Called Bank of America customer service and was not able to resolve the issue. They kept insisting that there was a disclaimer that said you had to pay the minimum. I explained that in my mind, my account minimum had been met with credits and payments in full. 

XX/XX/XXXX - Called Bank of America customer service again, and still did not get resolution. I was told that it was a US law that credits to not count towards a payment. I have numerous credit cards and all other reward cards apply credits when posted towards your balance due.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$960.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I spoke with XXXX XXXX, and unscrupulous representative for the above collection practice. He threaten me on three different occasions stating that the item would hit my credit and my credit would drop XXXX-XXXX points. My response was " Sir please do not threaten my credit. His response was. " Its not a threat its an assurance. '' The Irony of this story is that I called to establish a payment and was met with these threats. 

XXXX then stated that he would notate the account as a refusal to pay and that it was too late for me to make any payment and best of luck to me and then hung up the phone. There was no refusal to pay, and I just received notification of debt days ago. I must have 30 days to validate and or dispute any debt. Note that it is against Fair Debt Collection Act for abusive debt collection practices to engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a dispute letter along with a police report and Affidavit of Fraud to Experian credit reporting agency regarding some accounts that were not opened by me. There was a fraud alert placed on my credit file on XX/XX/XXXX, however the accounts I disputed were never investigated as I requested. 

On XX/XX/XXXX I spoke to a representative at Experian, she informed me that the accounts were never placed in dispute, she then claimed to have put both accounts in dispute while I was on the phone. 

On XX/XX/XXXX I called and spoke to XXXX in the fraud department at Experian, she informed me that the XXXX XXXX acc # XXXX opened XX/XX/XXXX, was placed in dispute, however was an automated verification stating that information XXXX XXXX have in their system match the information that was reported, therefor Experian left the frivolous information as is on my credit report. 

XXXX also stated that the XXXX XXXX acc XXXX opened XX/XX/XXXX account was never placed in dispute as i requested on XX/XX/XXXX and on XX/XX/XXXX. XXXX also state that she was able to locate my police report and the ID Theft Affidavit i sent to them however she doesn't know why the accounts were not previously investigated in XX/XX/XXXX.
Product: Mortgage

Last statement received was from Novad in XXXX, XXXX. Apparently their is a new loan servicer, XXXX. Contacted them on XX/XX/XXXX. They requested additional information which was provided on XX/XX/XXXX. It has been 3 months and no information has been provided or received.
Product: Credit reporting or other personal consumer reports

My account was settled and paid off. The company didnt report to the credit reporting agencies as agreed upon in the settlement agreement. XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I tried to make an additional principal payment, using my lender 's web site ( afrmortgage.myloancare.com ). 
To my surprise, after I entered all the details about my payment, I received an error message " Additional principal must not exceed 20 % of the current principal balance of XXXX '' ( see attached screenshot, the message is in red at the bottom ) This 20 % limitation violates the term of my loan - there are no limits on additional principal payments there. 

I have reached out to my lender via Contact us form on their web site, but received no response. 

On XX/XX/XXXX the same thing happened again, so the issue is still not resolved.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says wrong accounts should get removed from credit reports. I'm not sure what's going on, but please check the accounts in the documents. They're not right on my credit report, both the accounts and their status. I'm upset and feeling sick about this, so I need your help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiry from my credit report. Upon reviewing my credit report, I have discovered several inquiry that is not authorized by me. This inquiry is damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this fraudulent inquiry and have enclosed a copy for your reference. Despite this, this inquiry is still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that this inquiry be removed immediately. 



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

This company keeps calling advising if I do not call them today they will start legal action.. This company also called about 6 months ago advising they had filed legal action and we 're looking for an address to serve me and if I did not provide XXXX they would contact my employer. I saved. These messages. 

I have asked them for verification of the debt but they refuse to provide it to me. And advise they will proceed. I have checked the county records and there have been no filings against me in small or municipal court. Any debt owed exceeds 4 years and the status of limitations is XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Navy Federal Credit Union for their non-compliance with Regulation CC regarding the extended hold placed on a certified cashier 's check. The details of the issue are as follows : Check Details : The check in question is a certified cashier 's check in the approximate amount of {$1100.00}, issued by XXXX XXXX XXXX XXXX. It was deposited into my account on XX/XX/XXXX, via mobile deposit with XXXX ID XXXX. 
Regular Transactions : This check is part of a regular monthly transaction where my mother, the issuer, provides a partial payment of her rent in advance. Similar checks were successfully deposited and processed without issue on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of the same year. 

Regulation CC Violation : Under 12 C.F.R. Part 229, certified cashiers checks are considered " next-day '' items, and the funds should typically be made available by the next business day following the deposit. Despite this, Navy Federal has placed an extended hold on the check without providing a satisfactory explanation, which is a violation of the regulations outlined under the XXXX Funds Availability Act. 

Previous Issues : This is not an isolated incident. Navy Federal previously held a government-issued check beyond the permissible time frame, only releasing the funds after significant complaint and intervention by their executive team. This pattern indicates a systemic issue with Navy Federal 's handling of Regulation CC requirements. 

Member History and Impact : I have been a loyal member of Navy Federal since XX/XX/XXXX, and have no history of fraudulent activities or issues with deposits. These unwarranted holds have caused significant inconvenience and financial disruption, affecting my ability to manage personal financial responsibilities effectively. 
Given these circumstances, I urge the Consumer Financial Protection Bureau to investigate this matter promptly and enforce compliance with Regulation CC. Navy Federal 's repeated oversight in following federal regulations for fund availability not only disrupts my financial management but also suggests a broader non-compliance issue that could affect other consumers. 

I am seeking an immediate release of the funds associated with the aforementioned cashier 's check and assurance that such delays will not occur in the future. I have also filed a complaint directly with Navy Federal and have requested a detailed explanation for the hold.

Please find attached copies of the deposit receipt, correspondence with Navy Federal, and a timeline of events for your reference.
Product: Credit reporting or other personal consumer reports

Let 's first start out & state that I'm the person of record. I give permission for the CFPB to pursue legal action against XXXX XXXX XXXX TRANSUNION LLC for not complying with federal regulations. This is my 2nd complaint for the same issue. XXXX XXXX CLAIMS THEY NEED AUTHORIZATION TO RELEASE MY INFORMATION OR THAT I'M NOT THE CUSTOMER OF RECORD. LET 'S GET THE RECORDS STRAIGHT. I AM THE CUSTOMER AND XXXX XXXX XXXX TRANSUNION ARE DAMAGING MY CREDIT. THE 1ST COMPLAINT # 'S WERE XXXX & XXXX & BOTH COMPANIES CLAIMED I'M NOT THEIR CUSTOMER... INTERESTING! 
HERE IS MY ORIGINAL COMPLAINT - XXXX XXXX XXXX XXXX XXXX  XXXX A. ( USB ) is damaging my credit & reporting inaccurate information under the name XXXX XXXX with the account # XXXX. I have requested proof of a legal binding contract along with verification & validation of a legal debt. USB has provided nothing. USB has damaged my credit over the last 8 months and I'd like them to be held accountable for their negligence. I'm providing documentation proving my request & their lack of response. Additionally, all 3 credit reporting agencies have failed to investigate this matter. They have provided no proof of their investigation nor have they provided any legal proof of a binding contract with XXXX. I would the CRA 's to remove the account from their reports at once. Lastly, in my disputes I requested information which was never provided. Based on the Administrative procedures act they have defaulted by not responded within the required time frame. In so doing they have given up their right to report any information nor are the holders in due course. I need the following account removed from my credit report immediately.
Product: Debt collection

I gave the company Dick O'Neal information that the debt that they were collecting was discharged in Bankruptcy. They verified the information last year and changed the information on my credit reports. Now they have went back and mark the credit lines items as being an 180 days  late and made them as active on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC report # XXXX Police report-per FTC it is OPTIONAL My name is XXXX XXXX These accounts need to be DELETED from my consumer reports and I need a copy of clean reports once removed. The credit reporting agencies are taking their time to remove ( been going back and forth with them for XXXX months now ). A few of them have removed some, but the fact that these account still remain is clueless to me as to why havent been removed when FTC report was included per the CRA 's request. 

Again, I need these accounts listed below including inquiries attached DELETED asap. My FTC reports # is also listed at top of paragraph XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX