23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint against LVNV FUNDING LLC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LVNV FUNDING LLC for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** LVNV FUNDING LLC has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question. 

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account. 

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that LVNV FUNDING LLC ceases such practices immediately. 

4. **Failure to Provide Disclosures : ** LVNV FUNDING LLC has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

5. **Cease and Desist Order : ** I dispute all debts claimed by LVNV FUNDING LLC , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation. 

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between LVNV FUNDING LLC and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of LVNV FUNDING LLC. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

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

I sent multiple letters to Equifax and they continue to overlook or ignore my request to correct the false reporting of late payments, inquires and accounts such as : Violation Of Right To Privacy Effected By Data Breached without getting full disclosure there was one. 

Accounts : XXXX XXXX - All Payments were on time and it show 1 late payment XXXX - Is Paid Off and needs to be removed - ( XXXX has resolved this issue ) XXXXXXXX XXXX Is a third party collections agency and I do not have any contract with them. ( Needs To Be Remove ) Bankruptcy - The US Bankruptcy Curt Does Not Report To The Credit Companies and should be removed I do not have a firm offer of credit with any of these companies - Inquires need to be removed XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I have disputed multiple times on the items listed below with the bureaus. Despite this, they persist on my credit report. Kindly request an investigation into these matters and ensure their removal from my credit report. 

Experian : This account is not mine : XXXX XXXX XXXX XXXX XXXX XXXX Under 15 US Code 1681e ( b ) and US Code 1681i ( 5 ) this account is not reporting accurately and is in violation. 
The following personal information are incorrect, please remove this immediately and only report accurate information : 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  The following inquiries are not authorized, please remove from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is not mine : XXXX XXXX XXXX XXXX XXXX - Under 15 US Code 1681e ( b ) and US Code 1681i ( 5 ) this account is not reporting accurately and is in violation. 
The following personal information are incorrect, please remove this immediately and only report accurate information : Incorrect Name - 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  The following inquiries are not authorized, please remove from my report : 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: Debt collection

Portfolio Recovery Associates acquired my XXXX XXXX credit card account that unfortunately went into collections for non-payment. The balance owed was approximately {$2300.00}. 

On XX/XX/18, I called PRA to inquire about settlement options to resolve the matter as soon as possible. I was able to negotiate a reduced balance of {$1300.00}. On that day, I made a payment with my debit card in the amount of {$600.00}. The representative that I spoke with stated that I could pay the remaining balance in 6 monthly installments of {$120.00} each. I advised that I would submit payments via check because 1. ) I was already previously the victim of identity theft and 2. ) The card that I made the payment with over the phone was damaged and I was in the process of replacing it. 

Approximately one week later, I started receiving notices via mail from PRA stating that the card that I specifically DID NOT give authorization to establish an installment plan on would be charged {$120.00} for six monthly installments. 

On several occasions, I called PRA to advise that I didn't grant permission to charge THAT card any more than the {$600.00} paid XX/XX/18 and called my financial institution to block any PRA pre-authorizations on that card. In the meantime, not once was I late or missed a payment since the installment plan was established. As a matter of fact, I mailed a check each week in the amount of {$32.00} beginning XX/XX/18 to PRA which totaled {$120.00} per month ( more than the agreed upon installment plan ). Please see the supporting documentation. 

On XX/XX/18, I called in to submit a final payment of {$160.00} to finally settle the collection account only to be told that my balance was {$1000.00} because according to them, I violated the terms of the settlement agreement. 

I am of the belief that PRA reneged on their offer and I would like to have a third party intervene and come to an objective agreement so that I can finally resolve this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX/XXXX/2017 This car was volunteer repo Because I told them to come and get it because I did n't have a job
Product: Debt collection

COLLECTOR WENT ON MY CREDIT REPORT WITHOUT FURNISH 30 DAY NOTICE AND IS A INVALIDATED DEBT INQUIRY OM MY  XXXX . FAILED TO CEASE AND DESIST.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$6800.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$150.00} XXXX XXXX XXXX XXXXXXXX {$700.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$320.00} XXXX  XXXX XXXX {$3800.00} XXXX  XXXX {$920.00} XXXX XXXXXXXX {$1200.00} XXXX   XXXX {$610.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$2900.00} XXXX XXXX {$610.00} XXXX  XXXX {$34000.00} XXXX   XXXX {$28000.00} XXXX XXXX XXXX {$27000.00} XXXX  XXXX {$0.00} XXXX   XXXX {$610.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Product: Debt collection

XXXXSunrise credit systemXXXXXXXXXXXX XXXX XXXX  recently reviewed my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account. Please remove this account from my credit report as it is hurting my ability to obtain credit.'
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 



XXXX Listed below are the Inquiries that are being challenged INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX EXPERIAN Listed below are the Inquiries that are being challenged INQUIRY - XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX  - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY XXXX XXXX XXXXXXXX - XXXX INQUIRY - XXXXXXXX XXXX XXXX XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IncorrectPersonalEmployers XXXXXXXX XXXX XXXX IncorrectPersonalEmployers XXXX XXXX - IncorrectPersonalEmployers XXXX XXXXXXXX XXXX XXXX IncorrectPersonalCurrent addresses XXXX XXXX XXXX XXXX IncorrectPersonalPrevious addresses XXXX XXXXXXXX XXXX XXXX IncorrectPersonalPrevious addresses XXXX XXXX XXXX - Incorrect
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized credit inquiries appearing on my credit report. These inquiries were made without my consent, and I believe they violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). Below are the details of the unauthorized inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX I did not authorize any of these inquiries, and their presence on my credit report is both misleading and damaging to my financial standing. According to the FCRA, credit inquiries require explicit consent from the consumer, which I never provided.

I request that you investigate these matters and instruct the credit reporting agencies and data furnishers involved to remove these unauthorized inquiries promptly.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with TRANSUNION.COM AND XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00}.
Product: Credit reporting or other personal consumer reports

Im looking at my credit report and noticed serval inquiry, Due to data breach and the privacy act 15 USC 1681 all in violation this is in accurate on my credit report, please note that the law allows me under the color of law and privacy act in the right to privacy these violate my constitutional and civil rights under these laws. Please remove immediately from my reports
Product: Credit reporting or other personal consumer reports

Information request under FCRA Section 611 ( a ) ( 7 ) was not provided.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I had two transfers of {$4500.00} put into my account On XX/XX/XXXX two transfers of {$5000.00} were added to my account On XX/XX/XXXX all the transfers were successfully cleared. My bank froze my accounts stating the transfers might " bounce '' like a bad check. But that's not how transfers work the money can not be taken back once cleared. Idaho central credit Union is refusing to give me access to my account or money.
Product: Vehicle loan or lease

On XX/XX/XXXX I had contacted Flagship Credit to inquire why my payments have not been reported to the 3 credit agencies since the start of the loan XX/XX/XXXX and was told that it would be looked into. I followed up on XX/XX/XXXX to receive an update and was told the same. As of date, the following payments has not been reported to the credit reporting agencies : XX/XX/XXXX {$520.00}, XX/XX/XXXX {$490.00}, XX/XX/XXXX {$530.00}, XX/XX/XXXX {$530.00}, XX/XX/XXXX {$430.00}, XX/XX/XXXX {$500.00}
Product: Money transfer, virtual currency, or money service

I was sending a wire transfer for final payment on a condo XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX My realtor 's e mail was hacked : XXXX. She works for XXXX XXXX but chose to use this email address. 
I was given the wrong wire transfer information from the imposter. 
XXXX XXXX wired {$200000.00} went to this account : CITIZENS BANK/ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Routing : XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX Account number XXXX. 
The money then went to a XXXX account ( according to XXXX ). I do not have that account number. 

XXXX is investigating but it seems a great possibility my money is gone. 

Both accounts set up by Citizens Bank and XXXX were FAKE accounts
Product: Mortgage

On XXXX XXXX, 2015 I was advised to bring account current with {$8000.00}, and the Foreclosure dated XXXX/XXXX/15 would be stopped. I ordered reinstatement letter and the amount came back $ XXXX. I faxed my request for postponement and third party authorization over at the same time. It took 2 more faxes and BB & T just now ( TODAY ) receiving my formal written request to postpone/cancel foreclosure in pursuit of a workout. I am told by local agencies other options to Home Retention are available to me but NO One made this clear to Us until now. 
BB & T is saying they can not stop the sale because too close to the foreclosure date. They are not considering the fact that I was misinformed on many levels leading up to now. ( Wrong amount to reinstate given verbally by XXXX on XXXX/XXXX/15 XXXX They are not considering the fact that I have made this request almost 30 days ago but BB & T states they did not receive the fax until yesterday. I have a call and request into the Foreclosure Dept to postpone the sale this according to XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act XXXX  account XXXXXXXX XXXX violated my rights. 

in accordance with fair credit reporting act XXXX  account XXXX violated my rights. 

in accordance with fair credit reporting act XXXX  account XXXX voided my rights. 

in accordance with fair credit reporting act XXXX  account XXXX voided my rights 1.5. U.S.C 1681 section 602 A states I have the right privacy.

1.5. U.S.C 1681 section 604 section 2 it is also states a consumer reporting agency can not be furnish account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report are incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance : {$4100.00} ; XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX ; XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX.
Product: Vehicle loan or lease

Honda financial was suppose to do a soft inquiry. Pre approval instead they did a hard inquiry
Product: Credit card or prepaid card

I made a payment of {$6800.00} on XX/XX/2023 to my Citi card, with the intent of the payment going to a balance transfer with stated promotional rate ( .99 % ) expired on XX/XX/2023 then reverting to the standard rate of 26.99 %. The payment was applied to balances with a promotional rate with no expiration of 0-5.99 %, instead of the balance where the promotional rate expired on XX/XX/2023. I contacted the Citi and they stated that the statement has not processed and the payment would have been applied to the higher rate after the statement period end even though the statement states the promotional rate had expired on XX/XX/2023 and there was no way to apply the payment to the higher interest rate balance.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

A company called Credit Karma says I have outstanding approval odds for certain credit cards or loans but after I applied I was denied. Also, Credit Karma said it was a soft pull and would not hurt my credit score to apply for these offers, however my score went down.
Product: Checking or savings account

On XX/XX/XXXX I completed a referral by having a friend deposit money into a new chime account she opened via link from my account. The promotional offer states Don't miss on {$500.00} for you, {$100.00} for a friend Until XX/XX/XXXX, get {$500.00} when they enroll and receive a qualifying direct deposit of $ XXXX within 45 days! She completed the steps and received {$100.00} I received only {$100.00} instead of the {$500.00}. I have been through 4 support chats usually ending in them calling me or telling me to call a phone number. After calling said number I get spoken over and transferred over and over and placed on long holds. Eventually ending in please wait 7 days for the bonus to enter your account or I have set up a email with our investigation team regarding the missing {$400.00} bonus please wait for them to email you that email never comes.
Product: Credit card or prepaid card

15 USC 45 unfair and deceptive trade practices, On XX/XX/ a notice of payment error w/ instructions and remittance coupon was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX registered mail XXXX XXXX XXXX XXXX XXXX,. In response to my recent correspondence from XXXX XXXX he had my account closed, defamed, discriminated against me and violated my confidentiality and the nature of our interaction. 

the following codes were violated 18 USC 242- Deprivation of rights See Exhibit A notice of billing error for other violations Exhibit B Registered Mail for Security/Payment : Exhibit C replica of Security/Bill of Credit/Payment/Coupon/Remittance :