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

Complaint # 1. Transunion is still reporting a collection account on my credit file from XXXX XXXX XXXX XXXX XXXX Complaint # 2 Transunion is still reporting a identity theft inquiry on my credit file from ( XXXX ) Complaint # 3 Transunion did not and has not tagged these two complaints with <Under Dispute> Per the FCRA! 

Get this XXXX off my credit file asap or Im going to sue you! 

Last warning! 


A Identity theft and police report has been provided several days ago
Product: Credit card

The credit card company I have had my card with for at least 25 years just all of a sudden shut down my account, when I asked why they said there was a new law in XXXX that I needed to supply them with my original EIN letter from the Federal government when I opened my business ( the card is in my business and personal name ) My company was open a little more than 30 years ago and I do not have that EIN letter, and in addition I split my company into two standalone business since then so now I have two different EIN numbers. I talked to them, and they said there is nothing they can do and I should just apply for a new card, which I am fine doing, but then I asked them that I would like to redeem my points which were around XXXX points with a value of about {$1400.00}, and they said the card is closed and I can not redeem them. I did nothing wrong and either the law changed, or their internal requirements changed and then they just close my account without me knowing and basically steal my points and I can not do nothing about it and it is very frustrating. I asked to talk to a manager, and they said the manger can do nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting a 30 day late on the XXXX XXXX partial account number XXXX. ( Please see pages 2 and 3 of  the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$7900.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Demand Violations of XXXX  U.S.C. XXXX and XXXX U.S.C. XXXX Dear Sir/Madam, I am writing to formally request that LVNV Funding LLC immediately cease and desist from all further communications and collection attempts related to the alleged debt associated with my account. This letter is a formal request under the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX U.S.C. XXXX, and the Gramm-Leach-Bliley Act ( GLBA ), specifically XXXX U.S.C. XXXX, to protect my rights and personal information. 

Cease and Desist Under XXXX U.S.C. XXXX : Under XXXX U.S.C. XXXX, once I have notified you in writing to cease all communication regarding an alleged debt, you are prohibited from continuing to contact me, except in limited circumstances ( e.g., to inform me that the debt has been resolved or to notify me of specific legal actions being taken ). Therefore, I am formally requesting that you immediately : 1. Cease all communication with me regarding the alleged debt. This includes phone calls, letters, emails, or any other form of contact. 
2. Confirm in writing that you have received this cease and desist request and that all collection efforts related to this matter have been suspended. 

Cease and Desist Under XXXX U.S.C. XXXX : Additionally, I am concerned with the potential disclosure of my personal financial information. Under XXXX U.S.C. XXXX of the Gramm-Leach-Bliley Act ( GLBA ), financial institutions such as LVNV Funding LLC are prohibited from disclosing my personal financial information to unauthorized third parties without my consent. Therefore, I am formally requesting that you : 1. Stop disclosing my personal financial information to any third parties, including but not limited to credit reporting agencies, without my express consent. 
2. Ensure that my personal financial information is not shared, sold, or otherwise disseminated to any unauthorized individuals or entities. 

This letter serves as a formal cease and desist request under both the FDCPA and GLBA. I expect you to fully comply with my request within 30 days from the date of this letter. Failure to do so will result in my pursuing legal remedies, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking further legal action for violations of my rights under the applicable laws. 

Please consider this your final notice. I expect your full cooperation and prompt response to this matter. If you have any questions or require further information, you may contact me at ( XXXX ) XXXX. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint Description : I am submitting this complaint to formally address unauthorized inquiries that have appeared on my personal credit report across Experian, XXXX, and XXXX, in clear violation of federal laws governing consumer rights and credit reporting. Despite having no record of my written consent or authorization, multiple inquiries have been added to my personal credit profile. This unauthorized access has negatively impacted my credit score, compromised my financial standing, and violated my right to privacy as outlined under the Fair Credit Reporting Act ( FCRA ). 

The inquiries in question are listed below by credit bureau : Experian : Unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Unauthorized inquiries from 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> ). 
Each of these inquiries was placed on my credit report without explicit authorization, in direct contravention of 15 U.S.C. 1681b Permissible Purpose of Consumer Reports. The FCRA mandates that consumer reports may only be accessed under specific conditions, such as written instruction from the consumer. I have not provided such consent to any of the above entities, nor to any third-party intermediary, for these inquiries. 

In addition to filing this complaint, I have taken the following steps : Formal Written Affidavits : I have issued formal affidavits to each of the three credit bureaus, Experian, XXXX, and XXXX, asserting the facts of this matter under penalty of perjury. These affidavits demand the immediate deletion of unauthorized inquiries and request updated credit reports reflecting these corrections. 

Legal Citations and Statutory Violations : My affidavits cite specific sections of the FCRA, including 15 U.S.C. 1681b ( permissible purposes for accessing consumer reports ), 15 U.S.C. 1681n ( civil liability for willful noncompliance ), and additional provisions supporting my right to privacy. I have made it explicitly clear that continued non-compliance will result in formal complaints to regulatory bodies, further legal action, and claims for statutory damages. 

Demand for Accountability and Compliance : Each affidavit calls for accountability from Experian, XXXX, and XXXX, with a clear expectation of corrective actions within 15 days. I have requested written confirmation that these unauthorized inquiries have been removed, accompanied by an updated copy of my credit report. 

In summary, the presence of these unauthorized inquiries not only infringes upon my federally protected rights but also poses a reputational and financial risk. As a consumer, I am entitled to privacy, accuracy, and compliance with all applicable statutes. I urge the CFPB to review this matter urgently, as these violations are not only detrimental to my financial health but also constitute willful non-compliance with federal law by the credit bureaus involved. 

Thank you for your attention to this matter. I look forward to a prompt and thorough resolution.
Product: Mortgage

I, XXXX XXXX, mortgage holder of loan # XXXX with Phh Mortgage am filing an additional complaint to case # XXXX assigned by FTC. I had filed a previous complaint with above case # on Phh mortgage regarding why a re-issuance has not yet been sent to me of {$6200.00} which was from overage in escrow account when loan was paid in full the second time around. 
XX/XX/2021 i received a escrow account letter from Phh Mortgage showing the accounting of the escrow account which does not make sense to me why they are sending me this letter and not refund again which should still be available since the second payoff of loan is same. 
I tried to contact bank but was sent an e-mail by their attorney XXXX XXXX to cease and decease contact with the bank since the account has been paid in full. 
At this point my first complaint has not been addressed accordingly. This escrow letter sent to me by Phh Mortgage is not sufficient response. From the reading of the letter it appears the bank is trying to state there is all of a sudden no overage in escrow account as prior which is not adding up because there was an overage the first pay-off. I am once again requesting my refund be reissued of {$6200.00} and payoff letter and want reason why it has not yet been resent.
Product: Student loan

I have listed the case I have open currently with XXXX XXXX in regards to the settlement we have come to and payment being received for Navient student loans. Payment was submitted on XXXX XXXX, 2015 and was received successfully. 

XXXX # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : 1. These accounts are Paid. The account status and payment status are incorrect. 

XXXX  Account Number : XXXX XXXX/Experian/ XXXX XXXX Account Number : XXXX XXXX/Experian/XXXX  XXXX. This account is purchased by another lender. It can not be twice in credit report. 

XXXX Account Number : XXXX XXXX. This account has wrong information. 

XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number : XXXX XXXX/Experian/XXXX
Product: Debt collection

NCB Management Services Breach of Arbitration Clause : Based on information from my credit report, I identified the alleged original creditor. While I am unfamiliar with this account, I discovered through the CFPB database that the creditors agreement includes a binding arbitration clause. 


I am 100 % certain that I have not participated in any arbitration arrangements or mediations regarding this account. 


The debt collector refuses to provide the original contract containing the arbitration clause and has acted in bad faith by initiating collection and reporting activities in violation of the agreement.

2.

Failure to Validate Debt ( FDCPA 1692g ( b ) ) : No valid documentation has been provided to establish the debt collectors legal right to collect. Validation requires : The original signed agreement identifying me as the debtor.

A chain of title proving ownership transfer of the debt.

Billing statements alone do not constitute lawful validation of a debt. Courts have consistently ruled that debt validation requires contractual evidence showing liability. ( See XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, which holds that a billing statement is insufficient validation as anyone could generate such a document without proving a legal obligation. ) 3.

Lack of Debt Validation Notice ( FDCPA 1692g ( a ) ) : The debt collector failed to issue a validation notice within five days of initial communication, depriving me of my right to dispute the debt.

4.

Improper Credit Reporting ( FDCPA 1692g ( b ) & FCRA 1681s-2 ( b ) ) : The debt was reported to credit agencies without proper validation, violating FDCPA and FCRA requirements to ensure accuracy before reporting. 5.

Failure to Respond ( Estoppel by Silence ) : The debt collectors failure to respond to lawful requests for validation bars further collection efforts.

Billing statements are not valid debt validation. Proper validation requires the original signed agreement and proof of assignment, as billing statements can be fabricated using personal information. Without these documents, the debt collector can not prove their legal right to collect. Furthermore, the arbitration clause in the creditors agreement invalidates collection or reporting activities unless arbitration is pursued, which has not occurred, making these actions unlawful.

Resolution Sought : I request the CFPB to take immediate action to compel the debt collector to provide the required documentation and ensure compliance with all applicable laws.
Product: Money transfer, virtual currency, or money service

Online, on or about XX/XX/XXXX I attempted to transfer XXXX from my checking account at Citizen 's Bank to my son 's back account at XXXXXXXX XXXX I entered all of the requested information and when I clicked on the " submit '' button, I rec 'd an online error message stating that the transaction was denied and that I should contact the bank. I called the XXXX number for the bank and I was told by customer service that the transfer did not and could not go through because my name was not on my son 's account at XXXX. I believed what the customer rep had told me and that the XXXX could not be transferred from Citizen 's Bank to XXXX. I then made other arrangements ( not involving Citizens Bank ) to get XXXX to my son. A couple of weeks later I checked my account online and I saw that XXXX was in fact deducted from my checking account and transferred to my son 's account at XXXX. I called the customer service department at Citizen 's Bank and they confirmed the transfer. The rep informed me that I could file a claim and that I would receive a response in the mail. A few days later I rec 'd a letter from Citizen 's Bank stating that " the claim was closed as per customer 's request ''. I called the bank and filed and filed the same claim and a few days later I rec 'd yet another letter stating that " the claim had been closed due to customer 's request ''. I filed the same claim again shortly thereafter and I did not receive any response. I called the bank on XX/XX/XXXX and filed the same claim again. I have not rec 'd a response from Citizens yet. I would like to get refunded the XXXX that was transferred to XXXX XXXX  without my knowledge and without my permission. Thank you.
Product: Mortgage

A complete short sale packet including an offer was submitted XXXX days ago and there is still no update. I have left several message for the point of contact and I am not getting any calls back
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : SOCIAL SECURITY 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX main of XXXX, XXXX XXXX of XXXX & life assets of XXXX are listed as charged off which means its considered as income by the IRS . Means that they wrote it off on their taxes and received profit for it. Income is forbidden to be on a credit report 15 USC 1681 ( 2 ) ( a ) ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against First Progress for misrepresentation, non-disclosure, mail fraud, securities theft, interference of beneficiary right to benefit of proceeds, and breach of contract. 

CFPB Consumer Codes Misrepresentation : 1026.24 ( a ) ( 2 ) Non-disclosure : 1026.18 ( a ) ( 1 ) Mail fraud : 18 U.S.C. 1341 Securities theft : 17 C.F.R. 240.10b-5 Interference of beneficiary right to benefit of proceeds : 50 U.S.C. App. 501 Breach of contract : Uniform Commercial Code ( UCC ) 2-207 Supporting United States Codes , CFR Codes, and UCC Provisions United States Code : 18 U.S.C. 1341 ( Mail fraud ), 17 C.F.R. 240.10b-5 ( Securities fraud ), 50 U.S.C. App. 501 ( Interference with beneficiary 's right to benefit from proceeds ) Code of Federal Regulations : 1026.24 ( a ) ( 2 ) ( Misrepresentation ), 1026.18 ( a ) ( 1 ) ( Non-disclosure ) Uniform Commercial Code : UCC 2-207 ( Breach of contract ) Allegations I allege that First Progress has violated the law in the following ways : Misrepresentation : First Progress misrepresented to me that they would not bundle and sell my securities on the primary and secondary market. 
Non-disclosure : First Progress failed to disclose to me that they would be charging the obligation to me instead of the principle.

Mail fraud : First Progress mailed statements to me using deceptive language and implying that I owed a debt.

Securities theft : First Progress stole my securities by bundling them with other debt instruments and selling them on the primary and secondary market without my consent.

Interference of beneficiary right to benefit of proceeds : First Progress interfered with my right to benefit from the proceeds of my securities by bundling them with other debt instruments and selling them on the primary and secondary market without my consent.

Breach of contract : First Progress breached our contract by charging the obligation to me instead of the principle and by bundling and selling my securities without my consent.
Product: Money transfer, virtual currency, or money service

On the XXXX XXXX we sent a wire for {$20000.00} from the US DIME bank to our XXXX XXXX. This money has since been lost despite receiving confirmation that the payment has been cleared. 

I initiated the payment using a template witch includes all the XXXX bank details. We have used this template many times and has always worked. We are unable to change any of the bank details, so this could not of been an error. 

The bank have provided me with no details of when we can expect the money back and {$20000.00} is a lot of money for a small business. 

I have tried emailing calling the deputy bank manager. hasn't responded to my email. Tried calling but the voice mail is on a loop as the bank manager is away. 

The XXXX Bank have asked for XXXX as proof of payment but they haven't provided this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the companies, making them aware of the incorrect information on my report. I have asked the companies to verify and update my report as soon as possible.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer SSN : XXXX, Consumer DOB : XX/XX/year> Contents of complaint : I am writing to file a formal complaint against XXXX XXXX, XXXX and XXXX regarding their handling of a fraudulent bankruptcy entry on my credit report. This entry is the result of identity theft, and despite my efforts to resolve the issue directly with the credit reporting agencies, the problem persists unresolved. Below are the details of my complaint : Identity Theft Incident 1. Nature of Fraud : An unauthorized bankruptcy was filed in my name without my knowledge or consent. 2. Date of Discovery : XXXX XXXX 3. Impact : This fraudulent bankruptcy entry has severely damaged my credit report and financial standing, affecting my ability to obtain credit and maintain a positive financial profile. 
Actions Taken 1. Reporting the Incident : I filed an identity theft report with Federal Trade Commission ( FTC ) ] Report Number XXXX. 
I have submitted a personal statement to the credit bureaus detailing the identity theft and requesting the immediate removal of the fraudulent bankruptcy entry. 
2. Dispute with Credit Bureaus : I have disputed the fraudulent bankruptcy entry with XXXX XXXX, XXXX and XXXX under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, which mandates the blocking of information resulting from identity theft within four business days.

I have notified the credit bureaus that I am opting out of information sharing and withdrawing any consent for the reporting of this fraudulent bankruptcy.

Issues Experienced 1. Lack of Response and Action : Despite my disputes and identity theft report, the fraudulent bankruptcy remains on my credit report. Negligent Violation under 15 usc 1681o. 
The credit bureau has not removed the fraudulent information in a timely manner, as required by 15 U.S.C. 1681c-2. This section of the FCRA requires removal of such information within four business days.

The credit bureau has not provided adequate verification or a satisfactory explanation for the continued presence of the fraudulent bankruptcy entry.

2. Privacy Violations : The handling of my personal information appears to be inconsistent with privacy protections under 15 U.S.C. 6802 ( Opt-Out Right ) and 16 C.F.R. 313.7 ( Prohibition Against Disclosures to Nonaffiliated Third Parties ). My personal data has been improperly used, impacting my financial standing.

3. Non-Compliance with Fair Credit Reporting Act ( FCRA ) : According to 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information. The continued reporting of this fraudulent bankruptcy indicates non-compliance with this requirement.