23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX*
Product: Mortgage

XX/XX/2023 payment was made on XX/XX/2023 cleared our bank on XX/XX/2023 and returned by mortgage company on XX/XX/2023 with no explanation. Made a phone call to mortgage company on XX/XX/2023 was told on a recorded line that payment status was fine, and did not show returned payment. Paid the XXXX payment again of XX/XX/2023 cleared our bank on XX/XX/2023 and then was returned by mortgage company again on XX/XX/2023. Paid the account again on XX/XX/2023, cleared our bank on XX/XX/2023. XXXX was again returned this morning XX/XX/2023. Called the mortgage company again, and they are claiming it was because of insufficient funds, however our bank is not returning or refusing payment, as plenty of funds are in the account to cover the payment. They are now refusing to take any payment from us for either XXXX and now XXXX, and our online account shows " misplaced funds '' and will not allow us to make any payments on the online system. They reported us as 30 days late back on XX/XX/2023 when the payment isnt even due until the XXXX of the month. This is the second time in 6 months that they have report to the credit bureau 's of us being 30 days late on payments that we were not late on. Mortgage lender has defaulted 4 times in less than a year to pay our insurance out of the escrow funds in a timely manner, which has raised our cost of insurance due to poor payment history. The mortgage company refuses to resolve this matter, and refuses to allow us to speak to a supervisor. Now they have made it impossible to pay anything on the account. Bank statements can be provided, along with a letter from our bank proving that our bank not only did not refuse to honor the payments, but they did honor them, and the mortgage company re-deposited the monies to our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX, Equifax, and XXXX well over 30 days ago. I still have not received an update or had the fraudulent and unauthorized accounts removed.
Product: Credit card or prepaid card

This is a re-submitted Complaint CFPB Ref No : XXXX We received a letter from American Express, dated XX/XX/2019, ( AmEx Ref : XXXX ) that they could not respond to our complaint because they needed authorization from XXXX to provide information to respond to the complaint. Subsequently, we received an e-mail from the CFPB that the complaint was closed because American Express was not able to provide a response because we had not provided that authorization. That letter directed us to call XXXX, which we did today ( XX/XX/2019 at XXXX Central time ). Unfortunately, after speaking with 3 representatives ( XXXX, XXXX and XXXX ), American Express refused to allow us to provide that authorization. Instead, they directed us back to filing a complaint within American Express, which we had already done. 

For that reason, we are re-lodging our initial complaint for the reasons stated therein. And, we further allege that American Express ' practices in responding to CFPB complaints constitutes an additional violation of consumer financial protection laws in that those practices have the intended and actual effect of presenting consumers from successfully lodging complaints with the CFPB and other regulators.
Product: Credit card

We refinanced our home. part of the refinancing used some funds to pay off open credit accounts. We mailed a 3rd party check to American Express made payable only to American express for {$11000.00}. After several week our account had not been paid off so i opened a dispute with American Express. Case # XXXX. 
A copy of the cleared check was provided b the mortgage company and i uploaded it to American Express.

after several days they came back and said the check had been cashed by someone at a XXXX XXXX XXXX. 
I went to XXXX XXXX, and was told that American Express had to contact XXXX XXXX to open an investigation on the stolen check since it was a 3rd party drafted check made payable to American Express. Me and my wife are not allowed to open a dispute or investigation with XXXX XXXX, they will only do that with American Express, since our name is not on the check.

I have been back and forth with American Express and they are refusing to contact XXXX XXXX since they did not cash the check. So currently i have a missing check for {$11000.00}. that full balance is on my American Express Card still, plus i have that amount lumped into my new mortgage payment. so currently i am being charged double interest on 1 balance, and am unable to get either American Express or XXXX XXXX to try to fix the situation.
Product: Debt collection

Health Care Financial Services has summitted a balance of {$830.00} on my Credit Report. I have never had an account with them nor have I signed any documents, contracts or agreements with them. I disputed the claim several times according to the Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Health Care Financial Services sent me a copy of my signature on another company 's contract.
Product: Debt collection

I was   XXXX   XXXX   XXXX   requiring  XXXX  back in  XXXX    XXXX  , and I was brought to the   XXXX   XXXX   XXXX  Hospital   where I received the  XXXX . The de bt attempting to be collected by thi s Collection Agency in Athens was alread paid for immm ediately at the time of the incident through workers compensation at    XXXX   XXXX   XXXX    in   XXXX   XXXX  , Georgia. I do not believe I owe a debt that has been on my account for several years now.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX with respect to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be totally explored. In spite of my endeavors, I still can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and frustrating my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I benevolently demand that you direct an exhaustive examination concerning the detailing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recover command over my monetary prosperity. I earnestly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Product: Debt collection

Received an email threatening legal action about a payloan I never received. 

From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2019 XXXXXXXX XXXX  To : XXXX XXXX XXXX Subject : Immediate Attention Required ( Lawsuit ) Importance : High This is the final notification regarding your loan account with XXXX  XXXX XXXX. 
Loan Account # XXXX Due Amount- {$1000.00} Settlement Amount- {$500.00} ( Till XX/XX/2019 ) We already contact you several times regarding your unpaid loan account but failed to receive any response from your side. 
As of now, we are ready to file a lawsuit against you and report this to major credit bureaus and also inform IRS regarding this lawsuit. 
You will have to face severe consequences like : 1. You might be immediately sacked by your employer as they will be notified. 
2. Your credit will be ruined. 
3. Your wages can be garnished. 
4. Your bank accounts/credit cards will immediately freeze. 
5. IRS will put a hold on your Tax return.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Has 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.
Product: Bank account or service

Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 ( XXXX XXXX ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain, in a public forum, why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via XXXX or XXXX, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.
Product: Credit reporting or other personal consumer reports

They are listing my payments as late under an open ended consumer credit plan which is against the 15 U.S. Code 1666B law.

Under 15 U.S. Code 1666B it clearly states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I called the company and spoke with representative XXXX ( Ref # XXXX ) who stated the company can not remove the late payments from the account, but the credit bureau could.
Product: Credit reporting or other personal consumer reports

I would love for you to please verify this incorrect information on my credit report and if so, delete it! 

inquiries I don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX Account I don't recognize : XXXX Account # XXXX Balance : {$600.00} Date XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$520.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX Account # : XXXX Balance : {$1700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$2800.00} Date OpenedXXXX XXXXXXXX XXXX  Account # : XXXX Balance : {$13000.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX  Account # : XXXX Balance : {$600.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance : {$110.00} Date Opened : XX/XX/XXXX
Product: Debt collection

To whom it may concern : This complaint is about an inaccurate collections accounts on my XXXX and XXXX credit reports. I have contacted both XXXX XXXX and The Bureaus Inc. in the last 12-months I have contacted both companies multiple times regarding their inaccurate reporting, each time Ive received a response with a printout of a bill, stating the account was verified and meets FCRA. 
The XXXX XXXX account that these collection agencies allegedly verified as mine and both companies are reporting this derogatory account to the credit bureaus. Why is this alleged XXXX XXXX account NOT listed on ANY of my credit reportsONLY the collection account? 
FYI a printout of a bill or itemized document does not constitute verification. I am making a final goodwill attempt to clear up this matter. The listed item is inaccurate and represents a very serious error in your reporting. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX, XXXX or The Bureaus, Inc the alleged amount owed.
Product: Mortgage

My Mortgage lender, since 2012, has been XXXX Mortgage. I am attempting a refinance with another company. My credit score is around XXXX and all is in order. XXXX Mortgage lists me as current and up to date. Unfortunately, LoanCare is reporting me as over 120 days delinquent on the same loan held by XXXX Mortgage. With this blemish on my credit report, I can not get the funding for the refinance.
Product: Credit card or prepaid card

In XX/XX/2017 I obtained a secured credit card with Discover. I put a {$500.00} deposit in place at that time. I had not used credit at all for over 15 years so essentially had no credit, as opposed to bad credit. I got the card to facilitate transactions like car rentals, etc. that require credit cards.

I was told that after " a few '' months I could get my deposit back. that has not occurred despite making timely payments for about 18 months and never carrying a balance. My credit scores on XX/XX/XXXX and XX/XX/XXXX are between XXXX and XXXX with no late pays and no collections. I have since been offered unsecured credit up to {$15000.00} while I can't even get my {$500.00} deposit back from Discover.

Also, my payments are frequently held for several ( usually 10 ) days in spite of the fact that they have always cleared the bank and have always been early or at the latest on the due date. I keep being told this is for " security purposes '', but this is nonsense and just another way for them to make money on payments they already have in the bank. This is both unethical and illegal and it needs to stop. Discover employees have - including this past week when they put a payment on hold - have admitted it is a random process that has not real purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for this comenity bank/XXXX credit card from XXXX to XXXX. The account # is XXXX. Someone else did this which is this fraud and theft. This needs to be remove from my credit report immediately.
Product: Credit reporting or other personal consumer reports

After reviewing my report, there are several deviations from mandatory reportingstandards therefore the data in my report can not be accurate and complete! Withthat said, I refute your allegations and challenge you to provide proof that you havethe right to report this incomplete negative information about me. Document thatyou have complied with the reporting requirements, and report without anydeviations. If you have not complied with the requirements or there are any negativeaspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumerreport it shall follow reasonable procedures to assure maximum possible accuracy ofthe information concerning the individual about whom the report relates. Accordingto 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish informationconcerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C-Conduct reasonable investigations of consumer disputes According to CRRG, inorder to make a lawful report, you must follow the Metro 2 compliance standards. I HAVE AN ACCOUNT ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AS EVERDOING ANY BUSINESS WITH THESE COMPANY. Please delete the following unknown account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. The payment history are incorrect and inaccurate. I was never late on these accounts. I've already sent a request to Experian to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items : XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$33000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

date opened : XXXX XXXX XXXX {$1000.00} n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has 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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices l, which violated the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTC ) & Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

In XX/XX/2018, I had filed my initial XXXX complaint because, among other things, the Fedloan Service had incorrectly capitalized the interest on my account due to a processing error. After my complaint, I had received notice that on XX/XX/2018, a request was submitted to reverse the incorrect interest capitalizations. However, 15 months later, there has been NO progress on this. I have called approximately 5 times, each time a representative has confirmed that no progress has been made and that they will " make a note '' to reverse the incorrect capitalizations. I last spoke with a representative named XXXX ( ext XXXX ) though I believe there is no plan to actually correct the process error.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX # XXXX, HAS 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX TransUnion XXXX  XXXX  Account # XXXX XXXX XXXX The creditor name is STILL incomplete and I am not certain what the name of the creditor is? 
The account numbers are STILL truncated and they don't even match. 
The date of first delinquency is STILL incorrect. 
The date of last activity is STILL incorrect. 
The payment history is STILL reporting incorrectly. 

This account has numerous inaccuracies and I fail to understand how it has been verified as accurate post investigation? Did you even investigate? If so, what was the process that you used? Who did you talk to? Was everything Metro2 compliant? I don't think so!