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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , XXXX credit XXXX XXXX XXXX and Equifax credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, and XXXX XXXX XXXX XXXX in XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Bank account or service

I closed XXXX accounts with my bank when I moved out of State. The bank acknowledged that I was closing the accounts and provided me with closing statements and checks for the remaining balance in the accounts. Apparently, the bank accounts were closed but the debit cards were not canceled. Subsequently there have been charges made against the closed accounts. The problem started when the bank notified me that the account was overdrawn because a charge on the debit card caused the account to be reopened and the charge paid. After speaking with the bank location where my old account was, the charge was reversed and the overdraft fee was forgiven and I was assured that this would not happen again. I then double checked to make sure there were no pending automatic payments with any entity I conduct transactions with. Since then there was another transaction with the same results. This time the bank can not tell me who charged the closed account other than " an international transaction '' and began pursuing me for payment. I then reported the new charge to the bank fraud department and again asked the bank why the debit cards still remains active. The customer service rep then said it would be a couple of days for the card to become inactive. After many phone calls to customer service, not only have they failed to close the debit cards, there are more charges being applied to this closed account and they are again pursuing me for payments.
Product: Student loan

I was a customer of Ameritech Financial. In Connection with XXXX ( Student Loans ) FTC has sued Ameritech for deceptive practices. The XXXX XXXX XXXX   XXXX did not apply my payments towards my student loans. I was charged a total of {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX MEDICAL ACC # B XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX MEDICAL ACC # XXXX IQUIRE NOT MINE XXXX XXXX/XXXX/XXXX XXXX MISC XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXVARIETY STORES XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint regarding LVNV FUNDING LLC 's placement of a collection on my XXXX and XXXX credit reports without any prior contact. It was not until XX/XX/2023, that I became aware of this collection, as I had no prior knowledge or communication from LVNV FUNDING LLC. 

Upon reviewing my XXXX and XXXX credit reports on XX/XX/2023 ], I discovered the presence of a collection account placed by LVNV FUNDING LLC. This collection account came as a complete surprise to me, as I have not received any correspondence, notification, or communication from LVNV FUNDING LLC regarding this alleged debt. I have no knowledge of any business or financial transactions with LVNV FUNDING LLC. 

Placing a collection on my credit reports without any prior contact not only violates standard debt collection practices but also potentially harms my creditworthiness and financial well-being. It is crucial to address this issue promptly to ensure the accuracy and integrity of my credit reports. 

I kindly request the Consumer Financial Protection Bureau 's intervention and assistance in this matter. I urge you to investigate the actions of LVNV FUNDING LLC, ensuring compliance with the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Specifically, I request that you : Verify the legitimacy and accuracy of the collection account placed by LVNV FUNDING LLC on my XXXX and XXXX credit reports. 
Determine whether LVNV FUNDING LLC has complied with the necessary requirements for debt collection, including providing proper notification and validation of the alleged debt. 
Take appropriate action to rectify any potential violations or inaccuracies related to this collection account. 
Ensure that LVNV FUNDING LLC ceases any further reporting or collection activities related to this alleged debt until the matter is fully investigated and resolved. 
I have enclosed copies of my XXXX and XXXX XXXX reports reflecting the reported collection account from LVNV FUNDING LLC. Additionally, any supporting documentation regarding my attempts to contact LVNV FUNDING LLC or request validation of the alleged debt is also included for your reference. 

I kindly request that you keep me informed of the progress of this complaint and provide updates on any actions taken or resolutions reached. 

I appreciate your immediate attention to this matter. Your efforts in protecting consumer rights and ensuring fair and ethical debt collection practices are greatly valued. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX Reported : Employer Name XXXX XXXX  XXXX Date Verified XX/XX/XXXX XX/XX/XXXX Account Information Typically, creditors report any changes made to your account information monthly. This means that some accounts listed below may not reflect the most recent activity until the creditor 's next reporting. This information may include things such as balances, payments, dates, remarks, ratings, etc. The key ( s ) below are provided to help you understand some of the account information that could be reported. Pay Status represents the cument status of accounts and indicates how you are currently paying. For accounts that have been paid and closed, sold, or transferred, Pay Status represents the last reported status of the account. XXXX XXXX Some creditors report the timeliness of your payments each month in relation to your agreement with them. The ratings in the key below describe the payments that may be reported by your creditors. Any rating that is shaded indicates that it is considered adverse. Please note : Some but not all of these ratings may be present in your credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX days Unknown Current Voluntary 30 days late 60 days late 90 days late late Collection Surrender Repossession Charge Off Foreclosure Remark Key Additionally, some creditors may notate your account with comments each month. We refer to these creditor comments as " Remarks '. The key below gives the descriptions of the abbreviated remarks contained in your credit file. Any remark containing brackets >< indicates that this remark is considered adverse. XXXX ACCOUNT CLOSED BY CONSUMER CLAC PLACED FOR COLLECTION PRL UNPAID BALANCE CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remarks : ACCT CLOSED DUE TO TRANSFER ; TRANSFERRED TO ANOTHER OFFICE Estimated month and year that this item will be removed : XX/XX/XXXX XX/XX/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 XXXX XXXX XXXX XXXX http : //transunion.com/disputeonline XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company " afni '' attempting to collect a debt that I do not owe the creditor told me the debt was discharged.
Product: Credit card or prepaid card

On XXXX XXXX, I received an alert on my phone and vis email, that there was a change to my credit profile. When I logged into my credit profile I saw a hard inquiry on my credit about Capital One Credit Card application. I never applied for capital one credit card. This is a fraudulent application that has used my social security number and identity in an attempt to obtain a credit line.
Product: Credit reporting or other personal consumer reports

Equifax has refused to remove fraudulent accounts from my credit report, stating that I have already disputed the items at least twice within the last 90 days. However, under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block fraudulent information within 4 business days of receiving proper documentation, including an identity theft report and police report. I provided Equifax with my FTC Identity Theft Report and a police report proving that these accounts were fraudulently opened in my name. Instead of complying with the law, Equifax claims the accounts were verified as accurate but has failed to provide me with any proof of verification upon request. If Equifax truly verified these accounts, they are required under FCRA 611 ( a ) ( 6 ) ( B ) to disclose how they verified it, including the name, address, and contact details of the entity that provided the verification. By failing to remove these fraudulent accounts and failing to provide proof of verification, Equifax is violating both FCRA 605B and FCRA 611. Their refusal to investigate my dispute properly is preventing me from having an accurate credit report and causing continued financial harm. I request that the CFPB investigate this violation and ensure Equifax follows the Fair Credit Reporting Act as required.
Product: Mortgage

A judge has given PNC Bank a foreclosure summary judgment against my property for not making alleged payments. PNC bank is not the original lender. I closed on the property XXXX and was not told that my application was the payment, nor told that the my application was made a negotiable instrument and securitized. I have provided documentation that fraud took place during the closing transaction. PNC & BBVA USA bank merged in and did not tell me that BBVA USA sold its interest, and failed to file the XXXX XXXX XXXX in the property records which concealed their unlawful actions and continued to accept payments from me out of pocket. I have provided a XXXX XXXX  that shows that my property has been paid for. I was fraudulently induced to sign the XXXX XXXX XXXX when I never received a loan. The bank did not perform, there was not meeting of the minds, the bank does not have any standing because it is not the original " lender '', and the bank was not entitled to receive a XXXX XXXX XXXX XXXX XXXX because my XXXX  was the security collateral. Additionally, XXXX lots were omitted from the legal description of the property and sold to other people. PNC Bank XXXX XXXX has securitized my XXXX XXXX XXXX XXXX ( possibly the deed as well ) and failed to disclose that to me. I have sent a XXXX XXXX XXXXXXXX to PNC attorney on XX/XX/XXXX. I have filed an appeal of the XXXX to the District Court of Appeals and that is being processed by the Clerk of the Court. I have filed a mail fraud against PNC with the Postal Inspector, I mailed form XXXX to the Internal Revenue Service, and now I am filing this complaint with CFPB. I will also file a complaint with the Securities Exchange Commission for Securities fraud, because PNC Is a Securitizer. PNC has violated my privacy rights, violated the Fair Department Collections practices act. ( FDCPA ), by unlawfully attempting to collect debt.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against XXXX for failing to conduct proper investigations into disputes regarding inaccuracies in my credit report. Despite providing all necessary documentation, XXXX consistently concludes within 24 hours that the account is accurate, without offering any evidence of a thorough investigation.

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable investigations into consumer disputes. Additionally, Equifax 's actions may breach the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as underscored in the recent administrative proceeding against the company ( XXXX XXXX. XXXX ) for similar violations. 

I respectfully urge the CFPB to take appropriate action to ensure XXXX complies with federal law and provides consumers with clear evidence of the investigations they are required to perform. Consumers deserve accountability and transparency in the handling of their credit disputes. 

Here are the inaccurate accounts : XXXX XXXX XXXX XXXX XXXX XXXX. Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX. Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Formal Complaint Against TRANSUNION for Failure to Provide Proper Verification Under FCRA 611 ( a ) ( 7 ) To Whom It May Concern, I am filing a formal complaint against TRANSUNION for failing to provide proper verification of disputed accounts as required by the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ). Despite my written request for the method of verification, the credit bureau has failed to provide adequate documentation proving the accuracy of the disputed accounts. Instead, they have merely responded with a generic verification notice without offering any substantive evidence.

I am requesting the CFPB to investigate these violations and require [ Credit Bureau Name ] to comply with FCRA regulations by providing proper verification or removing the unverified accounts from my credit report. The failure to provide a valid method of verification is a direct violation of consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX # XXXX I was not aware of the debt and never received a notice. Please provide validation of debt and the procedure used to Validate.. 

XXXX # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 


XXXX XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXX XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXXXXXX XXXX # XXXX Not my account. Please Verification and Method of Verification. 

XXXX XXXX XXXX  Not my account. Please provide Verification, Method of Verification and Validation of Debt. 


XXXX XXXX XXXX # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX XXXX XXXX # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 


XXXX XXXX XXXX XXXX Payment history and dates inaccurate, please provide physical verification of late payments, method of verification and validation of debt. This is violation of my Hippa Rights not permission to share my info. 

XXXX XXXX XXXX Please provide the original instrument of indebtedness. The dates, balance, high balance is inaccurate on this account. Provide the method of verification and and validation of debt. 

Account # XXXX Incomplete file on XXXX, please remove ; if not please provide validation of debt and method of validation. 


XXXX XXXX XXXX # XXXX Provide the method of verification, validation of debt and assignment of debt as well. 


XXXX XXXX XXXX # XXXX Please provide verification of account, validation of debt and the procedure used to Validate and assignment of debt. 


11 XXXX # XXXX Please provide verification of account, validation of debt and the procedure used to Validate. 

08 XXXX XXXX XXXX XXXX # Please provide verification of account, validation of debt and the procedure used to Validate and and assignment of debt. 


01 XXXX XXXX XXXX # XXXX Please provide verification of account, validation of debt and the procedure used to Validate.
Product: Mortgage

During the last six months, two automated payments scheduled from my account at a third-party bank were returned. These payments were intended for Carrington Mortgage Services , LLC . and were returned due to nonsufficient funds ( NSF ). I resolved the first immediately. The second was created by issues with the third party bank. Upon attempting to resolve the second returned payment, without disputing its occurrence or associated fee, Carrington has informed me that I must pay using only means that have an additional cost to me. The options are certified funds and for-fee money transferring businesses. Carrington is not responsible for the issues that occurred. However, the corporation 's malfeasance in its actions and its negligence per se have caused me harm and undue financial hardship. Under GA Rule 80-11-6-.02, Mortgage Servicing Standards, any person who services a closed-end mortgage loan ( " servicer '' ) shall act with reasonable skill, care, and diligence. Furthermore, fees shall not be charged to arrange repayment or facilitate routine borrower collections. By forcing me to utilize limited, fee-based options, I assert that Carrington Mortgage Services has failed in its responsibilities under the law and acted without reasonable care and diligence in my attempts to resolve a debt. Lastly, Carrington Customer Services representatives sought to restrict my access to claims resolution by engaging in misleading business practices such as withholding information and access to solutions.