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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

For over a year I've been disputing the validity of this account all three reporting agencies investigated although none have provided nor required actual proof of ownership all parties refuse to provide any information. The original creditor claims to have no access to the account and the collections agency refuses to provide any contract agreement as well show any statement of transactions charges only claiming they've sent a validation letter to address that is not even my own. I've filed identity theft with the FTC. I've complained and have had contact with collector disputing the account as fraudulent activity with original creditor XXXX  XXXX as they claimed to have taken note and removed their derogatory account from my report however LVLN Funding LLC continues to report account as all investigations are mishandled taking the word for granted instead of requiring documents to confirm fcra requirements. Claiming to meet fcra requirements by deceit and treacherous immoral business practices. Claiming account opening on XX/XX/XXXX with a balance of {$570.00}. As of XXXX XXXX The collection account now is listing LVNV as original creditor and XXXX XXXX is no longer the original creditor. As well other collection companies resurgent have been emailing me with claims of handling the account. The collection account has caused great harm from inability to borrow along with work opportunities passed over due to identity theft life has become unaffordable with Insurance rates doubling having to take high interest loan to balance monetary losses. My complaint should hopefully open the eyes of the FTC to the fact that nobody is actually investigating disputes nor are collection agencies providing actual proof of ownership instead of somehow slipping by ai or whatever algorithms a so called investigation process program allows to let slip through. Please help as the only thing I see left is to file suit against all parties involved and even that is unaffordable due to credit worthiness from collections left in a spiraling decline of continued abuse
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX & XXXX, which mandates a reasonable investigation of disputes. Futhermore, XXXX XXXX actions may also contravene the CFPA, XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the Federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

Bank of America N.A. has denied my open ended credit application # XXXX under my Small Business XXXX XXXX XXXX. 

Please express your denial claim under sworn penalty of perjury letter or an affidavit of Truth on record lawfully. 

Once you are unable, please provide the maximum amount of credit extended upon my request, {$100000.00} USD. 

Bank of America is in violation of 12 CFR 1002.7 Rules concerning extensions of credit. ( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname. 

15 US Code 1681 a adverse action ( k ) section 1 Adverse definition 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. 

15 U.S. Code 1602 - Definitions and rules of construction Defines creditor, credit card, etc, I am the Original creditor.

12 CFR Part 1002 - PART 1002EQUAL CREDIT OPPORTUNITY ACT ( REGULATION B ) 15 U.S.Code Subchapter IV 1691 EQUAL CREDIT OPPORTUNITY 1691 ( a ) scope of prohibition and what Im entitled to per my rights via discrimination 1691e ( civil liability ) for taking adverse action with my as said application U.S. Code Chapter 41 Consumer Credit Protection Penalties 1691 ( a ) rules of construction 1691 ( d ) consumer Report Exclusions subject to 1681 s-3 Nondisclosures WITHOUT MY CONSENT Ive applied in good faith, which I have the full faith and credit backed by the United States XXXX 

Complete case of identity theft and discrimination in which Bank of America N.A. will securitize my application while still denying my request of open ended credit. 

Please adhere to my requests below.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report i noticed that I've been a victim of identity theft and found numerous credit i have no knowledge of here are the inquiries that I've found : XXXX XXXX  ( finance ) XX/XX/XXXX, XXXX XXXX  ( finance ) XX/XX/XXXX, XXXX XXXX  ( finance ) XX/XX/XXXX, Please remove these fraudulent inquiries from my credit report.
Product: Credit reporting

I 've been trying to check my credit score but every time I try it ends up saying I have incorrect information. So I tried to check my free annual credit report and they kept saying I was n't able to check it because of incorrect information. Also some weird questions popped out saying that in the system it says I have a loan but I 've never tooken out a loan, and there was another XXXX saying I took out a credit card from somewhere in 2010. The weird thing about that is that in 2010 I was only XXXX years old.
Product: Credit card

On XX/XX/XXXX my Capital One card was used for a purchase on XXXX website for the amount of {$94.00}. The item arrived broken and the package was returned to XXXX for a refund via XXXX. However, XXXX lost the package for nearly a year. The package was eventually located and returned to XXXXXXXX XXXX XXXX XXXX. I previously filed a chargeback but the case was denied due to sufficient evidence. When I discovered that the package had been returned to XXXX I reached out to Capital One again and provided the proof that the package had been returned. That proof is attached to this complaint. Capital One sent me a letter back that says, in part, it lacks all of the previously requested information needed to validate your dispute. This letter is dated XX/XX/XXXX despite being received on XX/XX/XXXX. This means that Capital One didnt review the proof that the package was returned. The case number for this complaint is XXXX and the last four of my account number is XXXX. I need someone to review the attached proof of return and credit my account accordingly.
Product: Checking or savings account

I have been calling for 6 months straight to Bank of America in search of help from them in resolving a $ XXXX fraudulent charges they did an investigation and sent me a letter stating they suspect fraud and denied my claim.Ive been calling everyday for months to be put on hold for 2 hours then hung up on every single time and when i tell the next worker day after day it dont matter they dont care and they just say there is n it hung they can due that u have to talk to claims. Instead of helping my they have made tho uninstall so much worse by freezing my account instead of putting the money back. I would like my money back and they should be shut down they also fraudulently took my house by guiding me into a foreclosure so they could take my house which they did. I would never had went back on my payment I was never behind but they recommended it to qualify for making to ur home affordable plan and they denied me and sold my house auction day in day 90 of being behind. I lost everything over that plus my {$30000.00} I just put into remodeling my home and now the tenants I rented to pay the new owner faithfully every month for years on time so Im missing the income I once had because of them and their dirty methods and tricks
Product: Debt collection

Balance was paid in full in XXXX of 2015 via a check in the mail. When I called the company after payment, a customer service rep tried to get me to pay the same balance again. Company shows balance unpaid on credit report.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I transferred two amounts from my Amex Serve account ( which was tax refunds through XXXX XXXX for the years XXXX and XXXX ) to my XXXX XXXX savings account that I had confirmed with serve through two small deposits. I made to ACH transfers on XX/XX/XXXX of {$2500.00} with transaction ID of XXXX and {$2600.00} with transaction ID of XXXX which were supposedly completed on XX/XX/XXXX and the money was never received by XXXX XXXX and they keep blaming each other. I have to get this money back!! Its my money! My tax return
Product: Mortgage

I tryed to refinance my loan.last month and said they couldnt because i didnt recomfirm my loan in XXXX XXXX years ago, not reporting it on my credit report, saying they dont have title to my home, saying i was behind with them, my mortgage is current and know it has been current since they refinanced it, i have been paying it and they arent reporting it.belive they should just send me my paper work saying its payed off, bad company, considering getting attorney against wellsfargo
Product: Mortgage

Hello, I have a mortgage with LoanDepot.com that began in XXXX of 2021. I am enrolled in ACH automatic payments and I have had a couple months of the payment being properly drawn from my XXXX XXXX checking account and credited to my LoanDepot.com mortgage. On XX/XX/XXXX I was notified that my XXXX payment had been rejected. I checked my XXXX XXXX account and it had been deducted from my checking account and I can see that it was received by Loan Depot on their website. I have called customer service at Loan Depot and spent approximately 12 hours so far on the phone. I have been treated extremely rudely, disconnect over 10 times, not called back, transferred to wrong departments, etc. They seem to have no concern to resolve this issue in an appropriate amount of time as I am now receiving calls from them stating my payment is late and asking if I am experiencing a hardship. Today I was told it would take 30 days to figure out and that they would report me as paying late on XX/XX/XXXX. At this point I just made another payment for XXXX so it doesn't affect my credit but this seems like it should be illegal. They took my money, can't find it, won't credit it to my loan and have caused me to spend 12 hours on the phone so far to get nowhere.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, I recently submitted a claim/dispute that my information was leaked in an XXXX data breach. I submitted complaints via the CFPB with complaint ID # s : XXXX XXXX, Transunion XXXX , and XXXX, XXXX. After all accounts listed on my dispute were removed ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) They were placed back on my report! This is unacceptable behavior towards someone who is a victim of identity theft. I completed an Identity Theft Report ( reference # XXXX ) and you honored my request. There is absolutely no reason for any of these accounts to be reappearing on my credit report. I provided the appropriate documentation to support my claim. Anyone claiming this account to be mine, has used my name and personal information without my consent!! These accounts must be BLOCKED and DELETED PERMANENTLY according to 15 USC 1681c-2 ( a ). As a consumer, it is my right to dispute inaccurate and fraudulent information. XXXX XXXX XXXX, and XXXX XXXX XXXX  was reinserted back on my credit report without a letter sent to me in writing within FIVE DAYS before it was reinserted. According to the FRCA, this is against the law and against my consumer rights. I demand this account be removed, because any information provided that it belongs to me is FRAUDULENT, and not relayed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX CXXXX XXXX XXXX  XXXX XXXX XXXX XXXX5 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 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 corrected : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} OFFICE OF THE ATTY GEN XXXX Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part.
Product: Debt collection

I have disputed this debt under my FCRA and FDCPA rights and it is not marked as disputed and is in violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently bought the 3-1 credit report from 3 major credit bureaus and see on the experian, my personal address has been changed to another address according to my report and also that over 8 credit cards have been opened with a false address on the experian.. Tried contacting Experian about but cant get to a live person regarding this matter upon trying to lock my credit with Experian doesnt let me cause reported address has been changed. With XXXX report of 1 false credit report and XXXX showing 3 false credit reports. All the inquiries span of the dates of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all these have more then one application for a credit card opened.
Product: Debt collection

Subject : Formal Complaint Against LVNV FUNDING LLC for Violations of Debt Collection Practices To Whom It May Concern, This is a formal complaint against LVNV FUNDING LLC, a debt collection agency that has been managing a debt account allegedly linked to me. I believe LVNV FUNDING LLC has engaged in multiple violations of federal debt collection laws, specifically under the regulations stipulated in 12 CFR 1006.34 and 15 USC 1681s-2. These violations have not only caused significant distress and inconvenience but have also potentially affected my credit worthiness and financial stability due to the questionable reporting and collection practices employed by the LVNV FUNDING LLC. 
Failure to Provide Debt Validation : Despite my rights under 12 CFR 1006.34 ( b ) ( 5 ), LVNV FUNDING LLC has failed to provide any validation of the alleged debt that they claim I owe. They have continued their collection efforts and have even placed this unverified debt on my consumer credit report, which is a clear violation of the requirement to cease collection activities until the debt is validated.

Denial of Right to Dispute the Debt : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers are entitled to dispute the accuracy of a debt within a stipulated time frame. LVNV FUNDING LLC has not provided me with this opportunity by failing to send any communication that outlines my rights to dispute the debt, further neglecting the legal obligations as a debt collector.

Misleading and Deceptive Collection Practices : LVNV FUNDING LLC has employed methods that I consider to be misleading, deceptive, and misrepresentative in nature, aiming to coerce or intimidate, which is a violation of fair debt collection practices and my consumer rights.

Unauthorized Reporting to Credit Bureaus : As stated in my rights under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a debt collector must meet certain prerequisites before reporting to credit bureaus. LVNV FUNDING LLC has not met these obligations yet has proceeded to report the alleged debt, which I believe to be not only premature but also unlawful. 
Given these serious concerns, I request the following actions be taken immediately : A complete validation of the alleged debt, including the original creditors name, the original amount, and any charges applied thereafter. 
A copy of the purchase agreement that authorizes LVNV FUNDING LLC to collect on this alleged debt. 
Evidence demonstrating that LVNV FUNDING LLC is licensed and bonded to collect debts in my state. 
Immediate removal of the debt reporting from my credit profile until the above matters are satisfactorily resolved in compliance with the law. 
I trust that the CFPB will investigate these issues with the seriousness they warrant and ensure compliance with all applicable federal laws designed to protect consumers from unjust and abusive collection practices. Please keep me informed about the progress of this complaint and any actions taken in relation to it. 
Thank you for your attention to this serious matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I am absolutely livid that PNC refused to refund my {$6000.00} that I paid to a contractor, who DID NOT COMPLETE THE WORK!! HE DID NOTHING!!! I had to pay ANOTHER contractor to do this work, and PNC is perfectly fine letting the charge stand even after I sent them text, emails and another statement where the contractor ADMITTED that he did nothing and was asking us not to sue him. I want my money refunded to me NOW!!! I will take this as high as it needs to go as this is completely insane that this has been going on for over 8 MONTHS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my score and my life ruined by XXXX Experian. And XXXX. I just had my debit card frozen from a purchase I was forced to make on the Experian website and I am in my 33rd DATA BREACH please help me. I also have had my XXXX  XXXX  recalled
Product: Payday loan, title loan, or personal loan

I took out a loan with XXXX XXXXXXXX XXXX on XX/XX/2023, when they deposited {$1000.00} in my bank account. Then on XX/XX/XXXX a payday loan went out but a week later on XXXX XXXX a withdrawal of {$300.00} tried to go out of my bank account. An at that time my account had been hacked. Not only was my math that week incorrect with my bill scheduling but I noticed my bank account transactions were rearranged as well as {$11000.00} missing out of my bank account. I had just taken out a serious of loans to finalize some permits. I have file a case with my identity theft insurance company to correct the issue they have requested police reports ones I have filed but I haven't heard back from anyone so I decided to file a new dispute. Here is my insurance information. Claim Information Claim Number : XXXX Policy Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions about this correspondence, or if you have additional information that you would like us to consider, please contact your claims adjuster at the number listed below. Our office hours are XXXX XXXX XXXX XXXX XXXX Monday through Friday. We appreciate your business and thank you for being a valued customer. 
Sincerely, XXXX XXXX XXXX Claims Operations Claims XXXX T. XXXX XXXX XXXX XXXX XXXX If you no longer want to receive e-mail communications at the e-mail address provided, refer to the Electronic Business Consent disclosure XXXX XXXX XXXX XXXX  ) for instructions on how to opt out. Please help me fix this issue. Sincerely XXXX XXXX