23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After reviewing my credit report file with XXXX, I am disputing lines items reported by LVNV Funding LLC. As part of debt validation pursuant to 15 U.S.C. 1692g, I am requesting the following to determine accuracy and completeness of the data furnished : 1. Full payment history details from the original creditor 2. Date of last payment 3. Date of delinquency 4. The original wet signature that I agreed to on the contract for this creditor 5. Has there been any insurance claim found on this debt?

6. Provide the chain of assignment contract / chain of title In addition, I request an affidavit of truth under penalty of perjury for each reporting.

Since LVNV Funding LLC can not provide the chain of assignment contract, I respectfully request these items be deleted from my consumer file as it is a mis-representation of my financial obligations and violates consumer rights. Furthermore, self-initiated research revealed LVNV Funding LLC is not authorized to collect for my state ( NMLS consumer access ). LVNV does not have authority to collect nor ownership of the alleged debt ( s ).

Also, I have not provide LVNV Funding LLC my written consent to furnish data 15 U.S.C. 1681b - this is identity theft which has been report. I urge the CFPB to uphold my consumer rights and instruct LVNV to delete the item within 5 business days. Should LVNV fail to comply in a timely manner as stipulated, they should be subject to fines & penalties by the CFPB for willful non-compliance with the FCRA and undermining the U.S. banking system 15 U.S.C. 1681 ( a ) ( 1 ). 

Case law - XXXX vs. XXXX XXXX XXXX XXXX ; XXXX XXXX do not own debts and can not put it on your consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraud committed against me and reported it to XXXX, XXXX  and Citi card in XX/XX/XXXX after I had found out about it. I reported it to the local police department and they are going to arrest the person that did it as we know who it was. I have called these companies several times since XX/XX/XXXX explaining what has happened and yet the still do not correct my credit reports. I filed disputes with XXXX  and the results are stating that the credit card companies say they reported correctly to the bureaus. I have a police report and have given them everything they have asked for to no avail. please help me get this corrected as I have already spent hundreds of hours on this whole fraud case to clear my good name.
Product: Credit card or prepaid card

I booked a round trip flight reservation for my family in XX/XX/XXXX through the US Bank XXXX XXXX XXXX using points we had accrued using a US Bank credit card. The flight was for a trip taking place in XX/XX/XXXX. A few days before this trip was to take place, I tried to check our reservation to verify our familys seats, and I was surprised to find that our reservation could not be found using the airlines confirmation code. I called the US Bank XXXX XXXX XXXX and spent the next 3+ hours on the phone with the representative going back and forth with the airline. Apparently our outbound flight reservation was never confirmed and we lost our reservation. I was presented with options to be rebooked on a different flight with the same airline ( the original flight was apparently no longer available ) 3 times, and each time the representative came back to tell me those options were actually no longer available. So after 3 hours I was told my only viable option was to cancel the booking and get a refund. My family had already purchased theme park tickets, booked a hotel room, and a rental car for our trip so being without flights was a huge problem. They offered no other option such as rebooking on another airline at no cost, so we were stuck with booking a new roundtrip flight 3 days before departure at more than double the cost of what we originally paid in XX/XX/XXXX. We are looking to be reimbursed for the cost of the new trip in addition to a refund for the original booking, due to the error being no fault of our own. The US Bank representative I spoke to told me I would need to go through the airline rather than them, even though we made the reservation through US Bank.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are terrible mistakes in my report, these accounts do not relate to any transaction that I have made :  XXXX   XXXX  CT NJ  XXXX  -  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX  MTR - #  XXXX    XXXX   XXXX   - #  XXXX
Product: Debt collection

I am XXXX XXXX XXXX and I am sending this complaint myself to request assistance from having this account removed from my personal Credit report. I don't have any connection to any Credit Monitoring Company or any of its kind. Despite the multiple previous written requests, the unverified account still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This status is damaging my report, which would not be happening if the bureaus have investigated properly before posting derogatory information.
Product: Debt collection

I called XXXX to get internet service in XX/XX/2019, XXXX employee read the contract to me on the phone and asked for my consent, the contract she read included that if the service was cancelled within the first month then no charge will be applied based on that I gave her my consent to move forward with service order, the internet service speed didn't meet our expectations and we called their support multiple time to see if there is something that can be fixed but unfortunately we had to cancel the service two weeks after the order was placed and I went to XXXX office in XXXX, CA and returned the equipments and we switched back to our old service provider. 
Based on that I do not believe we should have any balance with XXXX but that was not the case they billed us for month of service which we refused to pay so they sent it to collection. 

This have caused a great harm to my credit report specially we are in the process of buying a house, The contract which XXXX employee read to me on the phone is the only contract which I consented to. 

Please help us resolve this issue and remove this unfair collection record
Product: Mortgage

They gave us 2 estimates. A ) 4 % with {$2600.00} lenders credit B ) 3.875 without lenders credit. I was clear we want the 3.875 without lenders credit and they agreed. However when time to sign, They had locked rate at 4 % with {$1900.00} Lender 's credit.
Product: Debt collection

Sequium Asset Solutions claims they do not remove paid collections from my credit report. However, my score has been negatively affected once the collection appeared on my report and although its been paid, my score has not been positively affected at all by paying this account in full. Every other collection gets removed and scores improve. This is not the case with this debt collector and is an unfair debt collection practice. If the collection has been paid then my score should go up. If not, if need to be removed. I have asked for Sequium to remove and they will not comply. XXXX XXXX XXXX has not provided any solutions either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian that they are reporting  XXXX  wrong addresses on my credit file. I have never lived at  XXXX   XXXX  or  XXXX   XXXX  . Please remove these addresses from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXXXXXX DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX BANK # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm asking you to change this doubtful data a number of times. I will file a lawsuit against you because I believe you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my prior COMPLAINT #, and I'm including it once more. Please don't disregard my plea to correct these false entries in my file. 
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 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: Money transfer, virtual currency, or money service

*On XX/XX/XXXX a {$1500.00} wire transfer was sent from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolut banking account *That day XXXXXXXX XXXX bank account with Revolut was automatically closed due to a negative balance of XXXX cents and the transfer was listed in her Revolut transactions as returned to sender *The money was never received back to XXXX and upon contracting XXXX and XXXX contacting Revolut 's parent banking company, the money was awaiting permission to release funds from XXXX on Revolut 's end *Despite near daily conversations with Revolut and filing disputes with their team, after a month they are still trying to diagnose the issue and the only information was that " the wire was returned through a 3rd party bank who are not responding '' *Revolut does not have a solution and keep saying they are awaiting further updates
Product: Debt collection

I have sent several letters to MidState Collections asking for debt validation and proof I signed an authorization to release medical information ( diagnosis and treatment ) to a debt collection XXXX party. 
I have yet to receive validate proof and they are reporting this information on my credit report.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXXXXXX XXXX XXXX , XXXX , XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 12 XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).
Product: Student loan

When my daughter was getting the student loan with XXXX XXXX I was not the one who filed all the information online. Only parent information I inputted and saw no interest rate anywhere. After asking my daughter for the information on the loan for many months since the loan started I decided to contact XXXX XXXX myself on XX/XX/2019. I was not given any documents by XXXX XXXX concerning interest rate or any other mail concerning the loan. When I called to find out the interest rate of 10.5 % I asked them to stop the loan right then. The representative told me I can not stop the loan. There are many things that have been done by XXXX XXXX that makes this loan agreement void. 
They say there was interest rate disclosed online which I saw nowhere. I should not have to see every page to find this. 
The student loan rate is 5.05 % in XXXX There never given the reasons for the fixed rate of 10.5 % they apply to my daughter. This makes no fairness to a student who does not know about the loan. 
Having no written communication about the loan co-signer is avoiding a more knowledgeable person in the contract. I believe this is deliberate action by XXXX XXXX to charge the high interest rate to unsuspecting people. 

I have no file to attach because XXXX XXXX sent me no information
Product: Money transfer, virtual currency, or money service

Affirm, Has continued to refuse to refund me the money I am owed. On XX/XX/XXXX, I made a XXXX XXXX XXXX using Affirm. The amount the loan was initially taken for was {$5000.00}. The loan was later partially voided for {$1100.00}, leaving a remaining capturable {$3900.00}. 

- XX/XX/XXXX, I paid {$2500.00} ; leaving my balanced {$1200.00}. 
- XX/XX/XXXX, Affirm received a {$2700.00} credit from XXXX XXXX, leaving my balance - {$1400.00} - XX/XX/XXXX, Affirm received a {$190.00} credit from XXXX XXXX, leaving my balance - {$1600.00} - XX/XX/XXXX, XXXX XXXX charged my Affirmed account {$54.00}, leaving my balance - {$1600.00} - AFFIRMED OWES ME A REFUND OF {$1600.00} but refuses to pay me. Every time I call, I get the runaround. Affirm customer service is the worst. 
- Someone from the executive department needs to contact me and fix this! 

All the attachments are my evidence that Affirm owes me {$1600.00}.
Product: Student loan

I became fully XXXX, approved for XXXX in XXXX of XXXX. Attempted to apply for TPD ( total permanent XXXX ) forgiveness on XX/XX/XXXX through XXXX XXXX XXXX site. All loans were transferred to NELNET to process the XXXX application. From then until XX/XX/XXXX : made 24 phone calls, sent multiple letters and doctor letters, submitted five applications ( three wrong box checked ), only to be told I am not yet eligible due to the follow up date on my XXXX ( this month, and haven't heard from XXXX at all either ). I live on XXXX XXXX per month, and can not take on any payments after five years unemployed. Put the loans in forbearance for six months on XX/XX/XXXX to allow for time in that process. 

Today I find that not all the loans were transferred from XXXX, the previous processor. I called them to see why they were calling. They advised I owe {$1500.00} in overdue payments on {$48000.00} XXXX loans that had been put in " Administrative Forbearance ''. Explained they should have been transferred to be processed with TPD forgiveness, they advised they weren't. Asked if they can transfer, advised not, and told nothing they could do. As I can in no way make that payment, am not ruining my credit for a mistake I didn't make. 

XXXX NELNET, who advised they " don't deal with this type of loans ( XXXX ). There is no way to contact an actual PERSON at the FEDERAL STUDENT AID site. I completed a complaint on their form, but have never had adequate response from them. I have detailed names and dates, but didn't think they were needed here. 

Anything you can do to help would be greatly appreciated.
Product: Checking or savings account

Last week when logged into my USAA banking account using their mobile app I was presented with a 10 question mandatory survey. The survey asked my income and net worth and then asked 8 questions about XXXX, like how often and in what amounts I was likely to use XXXX to deposit, transfer or withdraw money from either my checking of savings accounts. The survey told me that if I didnt complete it my online access to my accounts would be suspended and only allowed me to bypass it three times before the suspension would take effect. They claimed that all of this information was required by the federal government. 

I wrote a complaint letter to the USAA XXXX and had a reply from his office. The aIde I spoke to first claimed that all of this info. was required annually by the Patriot Act. When I challenged that the feds wouldnt require information from my about my plans to use XXXX she admitted that that part of the survey wasnt really required and didnt understand how it was included.
Product: Credit card or prepaid card

Hi, I have a credit card account with Bank of America which for many years is set to auto-pay with my bank account without issues. 

Bank of America unilaterally changed the due-date of my credit card payment sometime in XXXX of XXXX and the following events happened : 1 - Late charges were posted to the account for XX/XX/XXXX, XXXX XXXX 2 - The card limit was reduced from XXXX to XXXX almost exactly the amount due 3 - My card was reported as delinquent to the credit bureaus 4 - My credit score went down and stayed down even though I paid any amounts past-due I called Bank of America customer service and the agent informed me that the due-date was changed in XXXX and suggested that, since due-dates don't change automatically I must have requested the change - I did not! and submitted a regular request for a credit line increase. I tried to talk to a supervisor but none was available. 

I heard from friends and colleagues that they also received a letter reducing the credit limit from Bank of America so I wonder if this is a systemic problem with Bank of America 's cards. 

Despite several frustrating calls, I truly struggle to understand why Bank of America would treat a long-time client like me so poorly.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach therefore nothing on my credit report is accurate. 
Where do I begin. I mean if I dont recognize anything on there, how am I supposed to deal with that? If its either not mine or isnt even real.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was paid in full. 

XXXX XXXX of {$150.00}