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

LexisNexis Consumer Center XXXX XXXX XXXX XXXX, GA, XXXX I am requesting a security freeze be place on my Consumer Disclosure report. I opt out of you disclosing future information until further notice including the XXXX report and other reports furnished LexisNexis regarding all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.Only personal information on my file should be listed below any other is in error and must be deleted immediately My information is clearly shown below : Name : XXXX XXXX XXXX XXXX SSN : XXXX Tel : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ENCLOSED : PHOTO ID & SOCIAL SECURITY CARD After this credit freeze has been filed, please send written confirmation to the address listed above. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

am filing a formal complaint against LVNV Funding, LLC, regarding their unlawful and deceptive actions in attempting to collect a debt that is not valid, as well as their continued reporting of false and misleading information to credit reporting agencies. Despite multiple requests to cease and desist, LVNV Funding has persisted in these practices, causing significant harm to my credit profile and violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Complaint : FDCPA Violations ( 15 U.S.C. 1692 ) : LVNV Funding has engaged in deceptive and misleading practices by attempting to collect a debt without providing proper validation of the debt as required under FDCPA, 15 U.S.C. 1692g.

I have previously sent a Cease and Desist letter to LVNV Funding, requesting an immediate halt to all collection activities and communication regarding this account. Despite this notice, LVNV Funding has continued its collection efforts, which is a direct violation of 15 U.S.C. 1692c ( c ).

LVNV Funding 's actions have caused undue stress and emotional distress, as I have been falsely accused of owing a debt that they have failed to verify or validate. This is a clear violation of 15 U.S.C. 1692e, which prohibits the use of false or misleading representations in connection with the collection of a debt. 
Deceptive Reporting to Credit Agencies ( FCRA Violations, 15 U.S.C. 1681 ) : LVNV Funding has repeatedly reported inaccurate and misleading information to the major credit reporting agencies ( XXXX, XXXX, and XXXX ). This reporting includes erroneous account balances, incorrect dates of delinquency, and false claims of ownership of the debt. 
The information reported by LVNV Funding is not only misleading but also harmful to my credit score and reputation. Under the Fair Credit Reporting Act ( FCRA ), they have a duty to report accurate information, which they have failed to do. LVNV Funding is in violation of 15 U.S.C. 1681s-2 ( b ), which requires that furnishers of information to credit reporting agencies must correct and update inaccurate or incomplete information.

Failure to Validate the Debt ( 15 U.S.C. 1692g ( b ) ) : I have formally disputed this account and requested validation of the debt from LVNV Funding. They have failed to provide any proof of the original contract or agreement that substantiates their claim. Their failure to validate the debt renders their continued reporting and collection efforts unlawful.

LVNV Fundings failure to provide verification indicates that this debt is not substantiated, and their continued attempts to collect and report this account are not only misleading but also constitute harassment under FDCPA guidelines.
Product: Credit reporting or other personal consumer reports

Multiple phones calls to the credit bureaus asking for help to delete false and unauthorized inquiries. Insisting that I did not give my written or verbal consent for such actions. The inquiries are as follow : 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  Note ; My son and I both share the same first, middle, and last name. He is a XXXX and I a XXXX. The above inquiries should not be on my credit report. This is a violation of *15 U.S. CODE 1602
Product: Checking or savings account

On bank of Americas XXXX prepaid card services, in there terms and conditions it states this : Emergency Cash Transfers. You may obtain cash at a XXXX XXXX location in the United States ( Emergency Cash Transfer ). All Emergency Cash Transfer requests must be initiated through the Bank of America California XXXX XXXX Department XXXX XXXX XXXX XXXX ( the " Service Center '' ). All requests for Emergency Cash Transfers are subject to the Emergency Cash Transfer Fees stated in the Fee Disclosure. All requests for Emergency Cash Transfers are subject to XXXX XXXX guidelines which could vary by state and could include certain dollar limits, identification requirements and other restrictions. If you request an Emergency Cash Transfer, you agree that we have no liability for any losses or damages that you may suffer arising out of any action, non-action or delayed action on the part of XXXX XXXX or its agents or any other third party. 

I called the, twice on XXXX XXXX  2020. First person said my account isnt eligible for this because my card has been mailed, I hung up, the second person said they dont offer this anymore, Im waiting on my new card but also have an available balance of {$10000.00} and they are telling me this isnt available to customers any more, but yet they Still have it on there website. My name is XXXX XXXX. I tried to talk to a manager and they told me they dont have anyone higher up, or anyone else for that matter I can speak to, and theres just nothing they can do except for have a manager call me back in 72 hours! This is crazy. I needed this money now, as it is my unemployment Ive been waiting for almost 5 months for. Im so frustrated that they cant let me talk to an actual person who can make something happen. I should be able to get my money somehow, even if it was to let me go into a bank branch or they make a money transfer to my other bank account. I need to feed my kids, yet I cant because they wont let me access my money unless my new card has came.
Product: Money transfer, virtual currency, or money service

I opened an account with XXXX and made XXXX deposits for {$200.00} each totalling {$400.00}, via direct bank transfer. It should be noted that on the skrill website it clearly states that a deposit via direct bank transfer take " up to 3 days ''. To date the transactions show up in my account but my balance still shows as XXXX. Despite the fact that on the XXXX the {$400.00} was deducted from my bank account and sent directly to XXXX. I have called no less then 7 times, during which I am either hung up on, or told blatant lies, or my personal favorite was when the person straight up told me he has no clue and had no answers for me at all. I have messaged XXXX over 15 times and I get the same result, nothing. My messages are closed out and the status is changed to " closed : issues resolved ''. But there has been absolutely no resolution, I want my money from these people. I have been able to 0ut gas in my car to go to work, I can't pay for my kids daycare, or even buy food to feed my children. I'm in tears every single day because these people just took my money and I'm helpless, they will not give it back to me. Please help me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters about this matter over 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

well I have inquiries on my credit report that do not belong to me, there are 11 inquiries, I have false names and addresses that do not belong to me as well as collections, I have called and disputed online, but it is very difficult because they do not know my right to dispute even my real name, telling me that the process went wrong and that it is 30 days, on the other hand that affects me having so much fraudulent information in my credit report
Product: Debt collection

After applying for a mortgage loan in XXXX, I found out that XXXX XXXX report a debt in collection to the credit bureaus. I reached out to XXXX XXXX was told that my account was sent to a third party Kinum ( XXXX XXXX XXXX. Therefore, I contacted Kinum XXXX XXXX XXXX XXXX to resolve this issue and was told that the account wasn't there. I initially applied for a loan from XXXX XXXX to attend XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX in XXXX but didn't attend until XXXX. After 2 months of attending the school, I dropped out due to personal reasons and requested for XXXX XXXXXX/XX/XXXX to send the funds back to XXXX XXXX. I wasn't aware nor notified about any monies owed until reviewing my credit report in XXXX. Recently, Kinum XXXX XXXX XXXX XXXX appeared on my credit report. I reached out to Kinum directly requesting to remove this debt off my credit report based on not having an agreement and requested proof. Kinum sent me a contract with my personal bank and contact information without my knowledge and forged signature. I never gave this information to Kinum. 
Some of the documents have my forged signature that is similar to the representative 's signature. Attached are the documents that includes my driver license enclosing my signature comparing to the forged signature on the falsified documents.
Product: Checking or savings account

On XX/XX/21, I received an email notification saying You've successfully updated the phone number on your MoneyLion account to XXXX XXXX XXXX XXXX. Thanks for keeping your info up to date. 

If you did not recently update your phone number, please log into the app to change your number or contact us if you need help. 

While youre here, check out MoneyLion perks, like deals in the Rewards tab or 0 % APR XXXX advances in the Finances tab! Open your MoneyLion app. 

I did not setup any such account and the number listed is not my phone number. I then received multiple other emails that said, We received a request to reset your MoneyLion password for the account associated with XXXX. This link will be valid for 24 hours. If you do not want to change your password, you can simply ignore this message. 
If you did not request a password reset, please let us know. 

And another email - Your new MoneyLion Debit Mastercard is on its way. You can check in on the status here anytime. 
And while you wait for your card to arrive, you can start using your virtual card right away. 
Don't forget you've got access to ... 

Im concerned as it is a weekend. I tried to contact the company but due to it being a Sunday they are not available by phone. Money lion states telephone business hours are Monday through Friday XXXX to XXXX. I am extremely concerned that someone is using identity and personal information to start new banking accounts. At this point, I do not see any deductions from my legitimate bank account I use, but I would like to have this resolved prior to any fraudulent charges or funds occur. There are charges on the online card now posting- One for {$1.00} to XXXX and another for {$48.00} to XXXX payments from XXXX XXXX XXXX 
I will contact the company directly as well as soon as they open tomorrow. In the meantime, I would like to alert you of this fraudulent activity so notification occurs as early as possible. Thank You in advance for your help in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Checking or savings account

My name is, XXXX XXXX XXXX XXXX, I have a personal saving account with Bank of America., account number : XXXX XXXX XXXX. I am the victim of XXXX  banking theft. Yesterday XX/XX/year> someone opened a new checking account online with Bank of America, within few hours from the time they opened an account checking online, transferred {$20000.00} from original saving account to new opened account and withdrew {$9000.00} from Bank of America XXXX. The same day the theft XXXX XXXX, I unable to access to my email nor alert XXXX XXXX from bank of America. After my phone was restored, I found out from my email that a new account was opened at Bank of America. I dont know how the theft stole my personal information and how the theft got {$9000.00} cash within few hours. The theft also able to get around the bank protective procedures? I was very shocking big XXXXXXXX XXXX  like bank of America can be so easy to XXXX by the theft. Make me so worry to put money in XXXX major banks. 

I went to Bank of America near my house, after the representative found out information I was told that the theft withdrew {$9000.00} from Bank of America in XXXXXXXX XXXX XXXX branch. How someone cashing out {$9000.00} with new opened checking without suspecius by the bank employee? Many questions should be raised which should to investigate this XXXX Bank of America XXXX and its business practices; did the teller ask for XXXX IDs from the person withdraw large amount of cash or did bank teller verify person IDs? XXXX {$9000.00} is not small amount, did XXXX approved the transaction? Bank should review surveillance camera to identity who that the person is withdrew {$9000.00}, what security procedures bank did to protect its customer money they trust to the bank. All these need to be answered, thus, I request CFPB help to investigate this matter. 

Now all my account is frozen, I was told that it may take up to XXXX months to complete investigation to get my money back, meanwhile all my money in the bank account frozen in Bank of America. I can not withdraw money from my account. I aske for your help, I want all money release to my original account ( saving account ) including {$9000.00} withdrew by the theft, total release {$20000.00} and Bank of America should take full responbility. 

Original Saving account Bank of America : Account TItle : XXXX XXXX XXXX XXXX XXXXXXXX number : XXXX XXXX XXXX
Product: Debt collection

The debt is a medical bill for {$650.00} for services for my grandson back in XXXX. I have no idea why my name appears on this bill. I likely accompanied my daughter while she took her son to this visit, I usually did whenever he was sick. But why my name is on the bill I do not know. The only thing I can think is that while waiting my daughter used the restroom or stepped out for a smoke when they called my grandson to register. Its been five years and I honestly dont remember the incident. However, I did not ever have financial responsibility for -or custody of- my grandson and am in no way responsible for this debt now- just as my father was not responsible for my childrens bills or anyone else is responsible for their childrens bills. My daughter, at the time, had chip, the PA health insurance for qualified applicants and their children. As far as I know, chip -through XXXX  XXXX, should have paid this bill. For whatever reason, apparently, the bill was not covered, in which case it became my daughters responsibility. Unfortunately, my daughter passes away in XXXX. Her son was adopted by another family. She died penniless, there was no estate and even if there was it would have been settled long ago. 
As another note, the holder of this debt, commonwealth financial, is appallingly predatory. I didnt even know about this bill-its been years- yet upon purchasing the debt commonwealth immediately put it on my credit report before ever even contacting me about it. I learned about this from a credit service notification I recieved. One week after they put it on my report I got a letter from them stating I had 45 days to dispute the bill, but it had already been reported and remains in my credit report. Their behavior is inexcusable and repulsive. 
So, to recap, Whoever checked in my grandson on this day made a mistake a put my name on the registration not my daughters. Until this showed up in XXXX of this year I had no knowledge this even existed. Because they made a mistake, however, does not make me responsible for my daughters expenses. It should have been paid by chip and any denial should of went to my daughter. I did not have custody. The patient is my grandson, if he was under my custody this bill would be my responsibility, but I did not. Nor can I be held responsible for an error made by the person checking him in. While I do not remember this, I can guarantee I would have provided all this information at check in and Im certain my daughter must have also presented herself to do the same.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Credit Act this creditor has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. My XXXX account is reporting as late, please remove these late payments immediately. My XXXX account is reported as late, please remove late payments immediately. My XXXX XXXX is reporting late, please remove these late payments immediately. My XXXX  is reporting as late, please remove these late payments immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately. 

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent. 
I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA. 
Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal. 

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report. 

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding these fraudulent accounts, but XXXX has failed to provide a solution to this issue. 

This has significantly impacted me, preventing me from acquiring a new home for my family. 
This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me. 
I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 
For these reasons, I request immediate action to block and remove this information from my credit report.
Product: Mortgage

This is the second complaint files with cfpb regarding the same problem Cfpb closed the other complaint  (  #  XXXX   ) b efore any resolution was made. The original complaint was that my loan mortgagor failed to provide a {$5000.00}  XXXX  incentive on   XXXX   XXXX   claiming that I had not filed Treasury forms. The forms were in fact filed, and Nationstar Mortgage has tracked them down due to my last complaint and said they were going to send them to the Treasury, and that barring any mistakes in their filing, I should receive the incentive by   XXXX   XXXX   XXXX  . I have called my customer service representative  (   XXXX   XXXX   XXXX   ) at    Nationstar and have left two mess ages for her to call me regarding and update on her progress as the incentive has yet to be applied to my account.   As of   XXXX   XXXX   my mortgage will increase which is based on my principle balance. This balance should be {$5000.00} lest than the number they are using to calculate my new payment. It also should have been used in   XXXX   XXXX   XXXX   to calculate the increase which was imposed back then.   In short, I filled in and sent the appropriate forms for th e HAMP incentiv e in a timely manner, and the incentive was to be " automatically '' deducted from my principle on   XXXX   XXXX  .  Nationstar failed to sen d in their Treasury forms regarding my incentive, and have calculat ed two ( 2 ) year s of mortgage incorrectly. And their customer service representative  (   XXXX   XXXX   ) re fuses to return my phone calls.   Supporting documents have been sent to cfpb when filing the previous account.