23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX from XXXX XXXX XXXX is reporting a fraud account # XXXX balance {$570.00} on my credit reports as charges off when this was a result of fraud disputed with the Bank and they neglected to follow up with the proper fraud dispute and remove the fraud account from all credit reports since i never received a card or applied for one.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX IA XXXX Subject : Dispute of Inaccurate Collection Account Reporting Violation of FCRA and FDCPA Dear CFPB, I am filing this formal complaint regarding the inaccurate reporting of a collection account by LVNV Funding LLC on my credit reports, as shown in the attached documents. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Issues with the Reporting : 1. Inconsistent Account Balances & Status My credit reports from different bureaus ( XXXX, XXXX, and XXXX ) display varying balances ( {$1400.00} vs. {$1100.00} ) and different payment statuses ( Collection/Charge-Off vs. Late 120 Days ). 
2. Conflicting Open Dates One report states the account was opened on XX/XX/XXXX, while another lists XX/XX/XXXX. This inconsistency indicates errors in reporting. 
3. Discrepancy in Credit Limit & Past Due Amounts The credit limits and past due amounts differ across reports, further demonstrating inaccuracies.

4. Violation of the FCRA ( 15 U.S.C. 1681s-2 ) The FCRA requires that furnishers of information to credit bureaus report complete and accurate information. The discrepancies in my reports indicate a failure to meet this requirement.

5. Failure to Properly Validate the Debt Under FDCPA ( 15 U.S.C. 1692g ) If LVNV Funding is reporting different amounts, they are likely failing to properly validate or verify the debt before continuing collection activities.

Requested Resolution : I am requesting the CFPB to : Investigate LVNV Funding LLC for failing to accurately report information to the credit bureaus.

Demand an immediate deletion of this collection account due to its erroneous and conflicting reporting.

Ensure LVNV Funding complies with FCRA and FDCPA regulations by providing correct, validated information or removing unverifiable data.

This account is causing undue harm to my credit profile, and I request urgent corrective action. I appreciate your attention to this matter and look forward to your response. 

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

This complaint serves as a follow up notification regarding my unfortunate encounter with identity theft in the previous complaint dated XXXX. In compliance with Section 605b of the Fair Credit Reporting Act ( FCRA ), I have formally reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. As outlined in FCRA guidelines, Credit Reporting Agencies bear the responsibility to investigate all inquiries specified in an identity theft 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Attached herewith are documents intended to facilitate the investigation of inaccuracies currently reflected on my credit report. The listed inquiries are not associated with my identity. Pursuant to FCRA Section 605B ( a ), Credit Reporting Agencies are compelled to initiate an investigation into any information identified by the consumer as resulting from alleged identity theft, no later than four business days from the date of receipt.
Product: Mortgage

In 2005 we bought a home in XXXX, Ca. with a20 % down payment and like everyone from the area saw our home go underwater. The area jobs market also went under and you then lose your job. The next step Is missing mortgage payments. WE where working on a loan modification program with Chase and the head of this company is the despicable XXXX XXXX. We had everything working perfectly until this XXXX and his company decided they wanted more paperwork. After this run around this despicable lowlife company foreclosed and took our home away. We lost everything and these lowlifes sold our home for less than what we would have renegotiated for. They lied to the government agency that handled modifications and we where left basically homeless, some thanks for being a XXXX XXXX XXXX veteran. XXXX
Product: Debt collection

The company set me up on a rehab plan I set up 9 payments that was the criteria. I also had to send them copies of paystubs and a bill 3 times I met my part of what they asked. They are a year later calling saying I didnt make all my payments which I did I gave them my account info and approved the 9 payments they advised were required. I also faxed and mailed the documents they asked for. They are now calling me at minimum 5 times a day saying I have to restart the program because I missed payments which i could not have I gave me info and authorized them to take the payments and they did. I dont feel its fair to me trying to get my loans back on track that they drop the ball and dont follow through on their part and now I have to restart the whole process. This seems very shady and I dont agree when I say Im at work I cant talk now they call and call I will loss my job and they dont care.
Product: Credit reporting

XXXX. changed the DOFD and the amount due. It took me a few weeks to research and find out if someone had used my name to get a new credit card in my name in XX/XX/2015. But I later discovered that it was the change of DOFD, the amount and making the old account appear new or more recent that put me on alert. I would like this inaccurate information removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

We sold a home last year and XXXX XXXX refused to credit our account after acknowledging receipt of the payoff amount they requested. That case was reported as case number XXXX XXXX claims to have sent notification to the credit bureaus that our loan was never delinquent and yet here we are three months later and no changes appear on our credit history. PLEASE tell us what we need to do to have our credit history restored to what it should have been before XXXX fraudulently intervened. We need this fixed with all credit bureaus. 

Thank you
Product: Credit reporting or other personal consumer reports

CFPB COMPLAINT REGARDING SYSTEMATIC INVESTIGATION FAILURES RE : Failure to Properly Investigate TD Auto Finance Account Credit Bureaus : XXXX, XXXX, and TransUnion RELEVANT CFPB ENFORCEMENT CONTEXT : The Consumer Financial Protection Bureau has recently taken enforcement action against XXXX for conducting " sham investigations '' of consumer disputes. The practices identified by CFPB in their action mirror the exact failures demonstrated in my case : XXXX. CFPB-Identified Industry Problems : Conducting inadequate " sham investigations '' Failing to address consumer disputes properly Reinserting disputed information without explanation Providing ineffective investigation results XXXX. Identical Violations in My Case : Generic " investigation complete '' responses No investigation of XXXX XXXX XXXX auto-pay setup failure Failure to address documented evidence of bank error Reinsertion of disputed information despite fee waiver evidence DOCUMENTED INVESTIGATION FAILURES : XXXX. Failure to Address Key Evidence : Ignored XXXX XXXX XXXX fee waiver on XX/XX/year> indicating bank error Disregarded documented auto-pay setup issues Failed to investigate timing of delinquencies immediately after account opening Ignored evidence of bank 's responsibility in payment processing XXXX. Inadequate Investigation Response : No details of investigation methods No documentation of communication with XXXX XXXX XXXX No explanation of how bank errors were verified No response to specific dispute points about auto-pay setup XXXX. Pattern of Systematic Failures : Generic responses lacking specific findings No evidence of actual investigation into bank 's fee waiver Failure to address documented creditor errors in payment setup No verification of reported delinquency dates against bank records LEGAL REQUIREMENTS VIOLATED : Under FCRA ( XXXX U.S.C. XXXX ), credit bureaus must : XXXX. Conduct proper investigations of disputes XXXX Review and consider all relevant information XXXX. Provide detailed investigation results XXXX. Document investigation methods XXXX. Verify accuracy of reported information SPECIFIC VIOLATIONS : XXXX. Investigation Requirements : Failed to investigate XXXXXXXX XXXX XXXX fee waiver admission No evidence of review of payment setup documentation No verification of auto-pay enrollment attempts No explanation of investigation methods XXXX. Documentation Requirements : Failed to document investigation steps No record of XXXX XXXX XXXXXXXX communications No evidence of fee waiver review No explanation of conclusions XXXX. Notification Requirements : Generic responses lacking specific findings No explanation of verification methods Failed to address specific dispute points about bank error No documentation provided
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery is attempting to collected on a pass due bill for original Creditor XXXX. The account balance on the collection notice is incorrect. I would like to have XXXX validate this debt they say I owe.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> i sent Transunion a Dispute letter asking them to investigate these charge off accounts that were closed and dismissed! They continued to verify the accounts when in fact they are unverifiable and inaccurate! A consumer reporting company may not provide a consumer report under FCRA section 15 USC 1681b ( a ) ( 3 ) Permissible Purposes for Furnishing.
Product: Credit card or prepaid card

Credit karma card advertising was misleading making me believe I was guaranteed approval which wasnt the case
Product: Debt collection

On XX/XX/2019, sent a certified letter to FMS indicating that the original creditor had agreed to a settlement payment. FMS has not responded ( two months ) and continues to report debt owed on credit report.
Product: Money transfer, virtual currency, or money service

It happened on XX/XX/year> the company call XXXX call me where I buy the product for my son, and the recipient said the package was lost and they told me they could help me to get my refund. So they said download this app call on-site desktop so I did. After they that they went in there and went to my chase app which I said automatic sign in and they do wire transfer all my money which I didnt know or received and message from chase bank. The first transfer in the amount of XXXX to the recipient name XXXX and the second tranfer in the amount of XXXX to the recipient name is XXXX they both went to the same bank call XXXXXXXX XXXX. I was busy with a customer during that time thats why I didnt know anything. When my wife saw there was money transfer out of both of my account and it was pending so I call chase and ask them to put a stop on that and they said they cant so I file a claimed until now they no respond from other bank and they said theyre not reimburse my money. I keep calling and calling but no good news. So I went and make a police report and the police they try to help me but not guaranteed. The police case number is XXXX thank you
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries on my credit report. I've requested remove and they have yet to be removed. Please see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX has continuously disregarded my attempts to stop them from violating my consumer rights. Pursuant to 15 USC 1692a ( 3 ), I, XXXX XXXX am the consumer. 
On the XXXX day of each month, One Main Financial sends me a statement, alleging that i owe a debt. Pursuant to 15 USC 1692b ( 2 ), a debt collector shall not state that a consumer owes any debt. Pursuant to 15 USC 1692a ( 5 ), debt is an obligation or an alleged obligation to pay money from a credit transaction. Pursuant 18 USC 8, that obligation of debt belongs to the United States, not I, the consumer. 

On Monday, XX/XX/2021, I sent One Main Financial an affidavit of truth, affirming my consumer rights and stating all violations they have committed. I also sent a cease and desist, demanding they stop all communication regarding this alleged debt, through any and all mediums, affirming my rights and requesting my specified remedy, pursuant to 15 USC 15 USC 1692c ( c ) ( 2 ). I also sent exhibits, highlighting and labeling the violations committed ; as well as sending a Bill of Particulars, calculating all the violations committed, assessing these damages, pursuant to 15 USC 1692k.
Product: Checking or savings account

On XX/XX/XXXX, I had XX/XX/XXXX unauthorized ATM withdraws in the amount of {$280.00}. 
XXXX was at XXXX XXXX XXXX XXXX, in the city of XXXX XXXXXXXX . 
Another was at XXXX XXXX XXXX XXXX, in the city of XXXX XXXX 
I contacted my bank, which is Citibank, ( on that same day ) and advised that there were XXXX unauthorized withdraws. 
. 
I made a claim, and was given a claim number. XXXX. 
I received a letter dated XX/XX/XXXX ; which stated that reimbursement had been denied. 
. 
I appealed, submitted a police report, store receipts, and a brief description of my whereabouts on that day. 
Received another claim number XXXX. 
I received a letter dated XX/XX/XXXX ; which again stated, that reimbursement had been denied. 
. 
Both letters were identical as to the reason for denial ; Yet, there were no facts or evidence to support the denial for reimbursement. Only assumption. 
. 
Again I contacted Citibank to appeal. I was told to submit a letter stating why I should be reimbursed. I faxed a letter, and receipt of letter was confirmed by Citibank. 
The confirmed date of receipt is XX/XX/XXXX. 
I am still waiting for a response. 
Every time I call the number on the rejection letter ( XXXX ), I speak to a customer service representative in the XXXX. 
I am never given a solid answer ; Always an excuse, such as : " the investigation is ongoing, '' " I do not have answer, '' " you can not speak to the person handling your claim, '' etc. etc. 
So i am reaching out to you, at Consumerfinance.gov., to assist me with reimbursement. 
I have attached plenty of documentation to support my claim. 
Please help me with reimbursement ; And furthermore, help put a stop to this " runaround '' that Citibank i putting me thru.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address on credit report is not correct on my credit bureau. As a proof I uploaded XXXX bill which contain correct address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to remove the XXXX XXXX and XXXX XXXX listed on my credit reports. The XXXX   XXXX was discharged and XXXX XXXX has several duplicates and it has aged out
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion improperly subscribed me to their monthly credit report service without my permission or authorization! 

Around mid-XX/XX/2023, I successfully logged into my XXXX account using my User Id and Password to see if a freeze had been removed from my XXXX account. After an opening screen from XXXX, I was immediately and automatically transferred to a TransUnion website with no action on my part. I immediately closed that window thinking that I had made a mistake and logged in again to XXXX. Again, I found myself on a TransUnion website showing an order form for credit reports. Suspecting some type of scam, I immediately closed the window WITHOUT ENTERING ANYTHING. I assumed that was the end of the encounter. As far as I know, I have never set up a personal account with TransUnion as I do not have a password for them in my list of passwords and never recall contacting them before. 

On XX/XX/2023, I received an email from XXXX containing an invoice ( Order Number XXXX ) for {$21.00} for a monthly recurring subscription for a TransUnion report that was already charged to my XX/XX/XXXXcredit card. I NEVER ORDERED THIS REPORT. I assumed this was erroneous or a scam. 

On XX/XX/2023, I called the number listed XXXX from the invoice to report the error and request the invoice be canceled. A person named XXXX ( I assume from an XXXX call center ) answered and immediately asked for my Social Security Number. I offered to give him the order number to cancel the bill but he insisted on getting my SSN which I refused several times and asked to be transferred to his supervisor. About XXXX minutes later, I received a call from XXXX ( again with an XXXX accent ) who again demanded my SSN. ( Note : I have been scammed once before and I knew not to give any more information ). I again offered to give the Order Number but she insisted on my SSN. After several more refusals, she cursed and hung up in a huff. 

Since only XXXX was listed as the payment type on the invoice, I assumed wrongly that they didnt have my credit card number. I then checked my XXXX account online and there was a fraudulent charge of {$21.00} for a recurring subscription that I never ordered! 

I immediately called my XXXX card service and canceled my XXXX card. On XX/XX/XXXX, I received a replacement XXXX credit card account and found a XXXX months charge for {$21.00} on my new card. I immediately sent a letter ( similar to the above text ) to both TransUnion and XXXX. TransUnion then closed my account ( which I never had ) but said nothing about refunding my XXXX erroneous payments or canceling future billings! 

Please do something! I will be glad to provide additional information if requested. 
** On or about XX/XX/2023, TransUnion apparently refunded me the XXXX months of payments as shown in my latest XXXX XXXX statement but it has still cost me several days of work to, seemingly, get a response to a problem that should never have happened!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX, CA XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Debt collection

XXXX XXXX which is a major cable company has reported that I owe them a debt of {$340.00} which I have no knowledge of never never had any cable with this company, XXXX XXXX  appeared on my credit report 2 yrs ago as I owe them this same {$340.00} I DISPUTE and it was removed now XXXX XXXX  sold this account to ICS SYSTEM INC which this company now reporting on the behalf of XXXX XXXX for the same of {$340.00} I contacted this collections about this and they stated that XXXX said that I had XXXX and I was unable to pay this. Well once I looked on my XXXX  credit reported ICS SYSTEM stated in comments that I had XXXX XXXXXXXX when i contaced them they acted like they had no knowledge of this, this statement this BLASPHEMY and I'm reporting they have brought my credit score down 60 pts because of this
Product: Credit reporting, credit repair services, or other personal consumer reports

BBVA/COMPASS SOLD OUT TO XXXX XXXX, WE HAVE AN AUTO LOAN THAT IS REPORTING LATE AND THEY KEEP CALLING OUR CELL 31 TIMES IN THE PAST 45 DAYS AFTER CEASE COMMUNICATION REQUESTED ALSO, CHARGE US LATE FEES.IF YOU DON'T CORRECT ASASP AS WELL CREDIT REPORTING ERRORS WILL START CLASS ACTION LITIGATION TODAY. LOAN NOXXXX
Product: Credit reporting or other personal consumer reports

I got addresses I don't know and some from 10 to 15 years ago phone numbers I don't recognize
Product: Credit reporting or other personal consumer reports

Unable contact company to freeze credit. Login credentials stopped working and phone hotline will not connect to a representative and they will not call back after requesting it. Unable to reset password as it continues to give me the following error. " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. '' Upon further research this problem has been plaguing consumers for nearly a month. I'm trying to freeze my credit but unable