23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear LVNV FUNDING LLC, I acknowledge receipt of your response to my debt verification request dated [ Date ]. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now include : The name and mailing address of the debt collector ; The name of the creditor to whom the debt is owed ; The account number ( if any ) associated with the debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided. Your response dated [ Date of Response ] did not include any of the aforementioned details. In accordance with the FDCPA, please provide the following : 1. The name and address of the original and current creditor ; 2. Verification of the debt amount you are attempting to collect ; 3. Documentation of any assignment from the original creditor, including my name and the original account number ; 4. All relevant information on the securitization of the debt and proof of its reassignment to [ LVNV FUNDING ]. Federal law, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount. Please refrain from accessing my credit report or reporting this disputed debt. Any mention of this disputed debt should be clearly noted as such on my credit report. I appreciate your prompt cooperation in this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received a letter from Bank of America informing me that it has decided to close my A/c # XXXX, after more than 14 years of mutual business and on time payments. The letter stated : '' After a review of your account, we determined your risk profile no longer aligns with our risk tolerance ... ''. I attempted to contact B & A via phone, emails and registered mail trying to fine out the reason for their decision, but they responded that they do NOT have to tell me the reason. I've accumulated over XXXX in cash rewards balance on previous transactions using this account, which would be converted into an actual cash. I wrote them a registered mail letter making the following requests : XXXX ) credit my account with the two charges from XXXX which add up to almost over {$220.00} ( I've received emails from XXXX advising me that they have credited my account ) ; XXXX ) Re-instate my reward points and convert them to cash value towards my current balance. Then, I'll be willing to pay any outstand balance that was sent by XXXX to my account, which makes the reported information INACCURATE! It's a travesty when a financial institution acts like a COWBOY without any regards to ethical and integrity standards!
Product: Credit card or prepaid card

I, am a American Express BLUEBIRD account holder paid a bill using their BILL PAY system on XX/XX/20. As of XX/XX/20, the recipient of that payment has not receive it. Now, I understand the closure associated with the COVID-19 virus, BUT, they should still be processing payments. They don't have the MEANS TO DO SO. Thank XXXX, I was able to pay my credit card using my personal banking account otherwise it would be a LATE PAYMENT MARK ON MY CREDIT AND I DON'T HAVE ANY. The thing is, this is not the first time this has happened. It is the second time.
Product: Credit reporting or other personal consumer reports

I never applied nor received any products or services from this company yet they are on my credit report. I have called and spoke with them multiple times and was told someone would be reaching out to me. They have never called. It takes forever to get through to someone because I have no account information to navigate through the system. Once I do talk to someone and tell them they can not find where I have spoken to them before. I do this every month yet nothing. I did file with the Federal Trade Commission in 2020 due to my Identity being stolen and have had a couple things effect my credit situation. I don't know if this is because of that or not. Regardless along with this deragatory mark on my credit it is keeping me from getting a fair interest rate on a car and also not allowing me to use my one time Veteran Home Loan. I need them to delete this. If not I want to know whom to put on court paperwork in order to Compel them to show me the information they have in which why this account is in my name at all.
Product: Credit reporting

I applied for my free credit report on XXXX/XXXX/2016 from XXXX, XXXX, and TransUnion, but I only received a report from XXXX. I applied on line and have not yet received an XXXX or a TransUnion credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. Please remove these files : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Today, I was informed by Bank of America, after calling them, that my two credit card accounts with them had been closed. This came as a surprise to me because I had not received any adverse action notices regarding either account, and the only reason I found out was that I was unable to access my online banking account ( which is how I make payments ). 

Both of these accounts had always been paid on time, and I had made all payments through the online banking portal. However, now I am forced to call a phone number to do anything. The representative I spoke with ( who was very kind ) took over 10 minutes to find a note on why my account was closed and apologized that notices WERE NOT sent. 

I find it unacceptable that a bank of this size would fail to inform its customers of decisions made on their accounts. Such actions are illegal and have a negative effect on my credit report, which is in the form of a reduced credit line/closed account by the financial institution. Besides, I had just received approval for a balance transfer on one of these two accounts earlier this year, and nothing has changed on my credit report since then. How is this practice not abusive and a UDAP violation? 

This experience has left me feeling frustrated and disappointed. It is not the level of service I expect from such a large financial institution like Bank of America. I would like to see measures put in place to ensure that customers are notified of any changes made to their accounts. This would avoid situations like mine, where customers are left in the dark and have to go through the hassle of finding out on their own. 

Overall, I hope that Bank of America takes this matter seriously and implements changes to ensure that customers receive proper notification when decisions are made regarding their accounts. This will not only benefit customers but also improve the bank 's reputation and trustworthiness.
Product: Checking or savings account

I had a dispute and was credited before they took it back Suntrust bank sent me a email
Product: Credit reporting or other personal consumer reports

TransUnion have me with XXXX address XXXX different telephone and XXXX employers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX, Equifax, and XXXX are violating my rights by reporting my late payments which are transactions with them on my credit report since XXXX although I have paid and is accurate and paid as agreed. They have reported my payment experience with them more than 20 times negatively affecting my credit profile. I have contacted XXXX XXXX and Equifax and they refused to correct the inaccurate information and treated my concerns as a validation request. This is not a validation request. I contacted XXXX XXXX XXXX XXXX and they confirmed that they made about 29 or more inaccurate late payment reports dated XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and grossly violated my rights under 15 U.S. Code 1681a - Definitions ; rules of construct ; EXCUSIONS of not reporting transaction experiences meaning late payments. In accordance with FCRA compliance standards I insist on the immediate removal of all 30, 90, 180, any day of the transactions reported.
Product: Money transfer, virtual currency, or money service

This is the second complaint I am filing for this issue as my first was closed final with no resolution or response other than " we'll get back to you. '' On XX/XX/2023, Google suspended my Google Payments account suddenly and without warning. This happened not long after I obtained XXXX status on their games account and earned over {$57.00} in rewards that I am now blocked from redeeming or using in any way. I am not able to buy anything using Googles payments service, which is basically anything owned by Google or any apps or games on their store. This prevents me from doing things I normally do all the time. I am also a paying monthly subscriber to some of their services, and I can not access or use some of the perks of being a subscriber even though they are gladly taking my monthly subscription fees. They asked me to fill out a form in order to verify something about my account. That form was asking for information regarding the last gift card I redeemed on my account including dollar amount of the gift card, where it was purchased, etc. I provided this information and later received an email about Google being unable to help me redeem the gift card. However, that is not the issue as the gift card was redeemed successfully and used. I was trying to lift the suspension on my account. I have been back and forth with customer service via live chat, email and phone calls for over a month and a half now and they are leading me in circles and directing me toward the same exact form I already filled out. I filled it out over XXXX times over the past month and a half as well with the same result. The customer service representatives state that they can not divulge any information about this due to privacy concerns even though I am the one affected, nor can they connect me to someone at Google that can help me fix this. I have no way of redeeming earned money in my account and I have no way of redeeming additional gift cards I purchased with my own money that I am still attempting to get refunds for. They have essentially stolen from me.
Product: Debt collection

this is a false collection letter from ERC FOR XXXX XXXX I HAVE NEVER USED XXXX XXXX. IT'S A SCAM
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 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : 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, credit repair services, or other personal consumer reports

On XX/XX/17 and XX/XX/XXXX17, I have requested that this authorized user card be removed from my name and from my report. I have no financial liability for this card and do not wish to be an authorized user for this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my annual report and notice inquiry from another state on my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/scrub>/2021 -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>/2021 -- {$1400.00}
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANT XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that DIVERSIFIED CONSULTANT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX I filed identity theft also filed complant with FDIC THE ACCOUNTS THE ACCOUNTS SHOULD BE DELETE.
Product: Credit reporting or other personal consumer reports

These inquiries I have listed are all from fraudulent attempts to use my identity without my knowledge or permission. Please remove these items from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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. 

XXXX XXXX XXXX, 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 card

My card was lost on XX/XX/year>. Upon checking my statement, there was a charged of {$200.00} from XXXX XXXX. I called and notified the credit company that the charged was unauthorized. I called so many times to get this resolve but my credit company did not credit the charge back to my account.
Product: Credit reporting or other personal consumer reports

Capital One has sold an account ( XX/XX/2023 ) to a debt collector & still is reporting on my credit report to all major credit bureaus. The Capital One account ending in XXXX should not be duplicate reporting as it is a FCRA & FDCPA violation.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

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

I have filed a dispute in regards to some accounts on my credit profile not being XXXX compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

We faxed them a dispute on XX/XX/2020 and they keep saying they dont have it and wont help in anyway according to the law it should be deleted
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. 

State of Michigan Child support, # XXXX, State of Michigan Child support : # XXXX, State of Michigan Child support : # 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 an 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 7 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

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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX {$710.00} and list of Inquiries. 

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: Prepaid card

In mid-December, Incomm began blocking transactions "for cardholder security" in response to the wave of fraud they encountered this holiday season. Essentially if three customers use an Incomm service gift card at a merchant, and a fourth customer tries to do so, the transaction will be blocked. Customer service blames the merchant, and requests the card be attempted to be used elsewhere. These are in-person transactions using the PIN. I've tried several merchants and all have the same issue. I've started several cases with Incomm, but would like expedited assistance to recover my funds and get a refund check for the entire batch of cards and fees that I paid for the cards that I have that are unusable.

The card numbers are:
XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

PNC bank intends to defraud its customers. This month I incurred 2 overdraft fees that were unreasonable. On XX/XX/XXXX at XXXX I handed my landlord a check for my rent. She called me to tell me that she had been busy and that she would mobile deposit the check that evening. That evening I signed up for a free trial of XXXX not aware that they would still charge my card {$1.00} ( apparently for verification purposes ). On XX/XX/XXXX I wake up to an overdraft fee. PNC is claiming that they processed my rent check and the {$1.00} in less than 12 hours. I emailed to try to get this unreasonable fee waived and was denied, the representative suggested that I keep some money my savings account to cover future overdrafts. Fast forward to XX/XX/XXXX. I was charged an overdraft fee for pizza that I purchased for my children totaling {$26.00}. I definitely did n't understand this charge because I had put {$50.00} in my savings account 2 weeks prior. When I called the PNC representative told me that my savings account had been closed a year prior. I asked several questions regarding the closure of the account or why the previous rep suggested that I put money into a closed account and she had no answers and was not able to waive the fee.