23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

*****NOT A DUPLICATE***** Recently I disputed this account on my credit report, and I noticed accounts from your company are still being reported on my credit. I am highly upset about the information that you are reporting about me. I DO NOT OWE your company any money. Additonally, I know it is illegal for a collection agency to collect on behalf o  f another one. How can a collection agency extend credit to consumers? They simply CA N'T. Since you ca n't produce a contract between me and LVNV Funding this account need to be deleted from my credit report. You are in violation of bothe the FDCPA and the FCRA. If these listings are not removed from all   XXXX    credit reports, I will report you to the proper agencies and possibly seek monetary damages for violating my consumers rights.
**In the US law encyclopedia, American Jurisprudence , 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. T   hus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies are running inquirys w/o my consent. Experience at XXXX XXXX CA has been running my credit reporting routinely even twice to three times a month for unknown reasons to me. A wrong social security number has been added on my credit report personal information stated as XXXX. This is incorrect. Credit management services company is posting a balance of {$93.00} this is not my account States the acct was opened on XX/XX/XXXX with XXXX XXXX. We are in XXXX XXXX CA area and charter is not an option in our new place of domicile. A victim fraud altert statement was modified w/o my consent on my experian report adding an unknown number as XXXX and adding a statement to make contact with this unknown number to me each time credit request is submitted, and each time changes are made eff : XX/XX/XXXX. I did NOT ADD THIS STATEMENT TO MY CTEDUT REPORT. IT IS A XXXX -XXXX FAMILY WHI IS STALKING & HARASSING ME THEY ARE CON XXXX AND VERY DANGEROUS. NAMES INVOLVED : XXXX, XXXX, XXXX, XXXX, XXXX ( former leasing agent ), XXXX XXXX A VICTIM OF HATE CRIMES & THESE PEOPLE ARE TARGETING ME FOR HARASSMENT & FRAMING PLOTS, per OCSD in CA.
Product: Debt collection

Cavalry Porting Services, LLC is reporting a collection account I am not responsible for due to identity theft. 

Amount : {$1400.00} XX/XX/2022 I sent a letter out to all 3 credit bureaus XXXX, XXXX, XXXX to investigate and it came back verified. They didn't provide any supporting documents such as original contract, my ID, my signature.
Product: Checking or savings account

From what I understand Bank of America suspected fraud with my checking account and put a freeze on my account on XX/XX/year>. I was not aware of this until XXXX  days later when I attempted to purchase for my car and my debit card was declined. I immediately contacted BoA and was advised about the freeze. The only information that I received on that date and to the date of this complaint is that there is an investigation. The investigation will only allow funds to be received, but nothing going out. At the time I had either {$340.00} or {$430.00} in my account. On XX/XX/XXXX or XXXX the IRS deposited my tax refund of {$5400.00} in my checking account that is frozen. That money was then transferred out without my authorization or advance notice. I have contacted BoA several times to find out what's going on way before my money was transferred and after to no available. Every single person that I have spoken to, which includes at a branch office, consumer department, checking account department, and department tell me that once the investigation/review is complete nothing can be done. If my account is under investigation why was my money transferred before the investigation/review is complete. It is unethical to just take a persons money without authorization. I want my money back immediately until they can speak to me. I was told someone would call me on XX/XX/XXXX and never received a phone call. BofA is not being fair and the way they are handling this is highly suspicious of fraud on their end. 

UPDATE : I provided BoA a police report number that I was told to get from XXXX  per XXXX with Merrill Lynch or BofA to get my money bank. I visited a branch and was told a claim would be reopened and the police report would be included. I followed up by phone and was told the claim was never reopened. The only claim that was open, which I never knew about initially, was closed. Bank of American sent me a check for {$15.00} XXXX weeks ago. No other money has been sent to me. If I owe BofA or Merrilly Lynch why send me any money regardless of the amount?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX  XXXX XXXX and XXXX XXXX were deleted from my credit report as a result of a credit dispute initiated by myself. 

Since this time, XXXX XXXX and XXXX XXXX have continued to report negative inaccuracies to all the major credit bureaus causing myself to lose opportunities for home equity loans, credit cards, and more. Ive had to sell my house I was renovating, however without a bank loan, Im not able to complete from personal funds. However, whenever ai decide to apply, I see XXXX XXXX and XXXX XXXX reporting inaccuracies to the credit bureaus. The credit bureaus who deleted these accounts as a result of the investigation are also negligent in this case because they deleted these accounts after an investigation in XX/XX/XXXX. There should be no way to report accounts which have been investigated and deleted. I have sent over 15 hand written letters to all parties and these accounts are investigated and deleted but only for maybe 6 months or maybe up to a year, until they re-appear. XXXX XXXX continues to sell my personal information to debt purchasers unlawfully. These debt purchasers, along with the original creditor, has filed a 1099C for cancellation of debt, but have not provided the consumer with a copy and has continued to report the debt. This is the same for XXXX XXXX  and XXXX, XXXX XXXX Debt purchasers. XXXX has reported to the major credit bureau on XX/XX/XXXX, they are moving my account to collections. This after the account had been charged off and cancellation of debt completed with the IRS.
Product: Debt collection

A debit Collection company called FirstSource ( XXXX ) XXXX. Ref # XXXX / Claim # XXXX says I wrote a check that was returned for XXXX to a company XXXX. I don't write checks and they are asking me to send them a copy of my ID to prove who I am. They said I wrote a check and the check number is XXXX, and the account is XXXX. My bank account 's last XXXX are nowhere near that. So I contacted the company XXXXXXXX XXXX XXXX XXXX XXXX and they said the same thing to me. The odd thing is the XXXX is the one who sent it collections but has XXXX info on the XXXX debt. And they are saying the payment was made on XX/XX/XXXX and sent to collections under 30 days time.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This is a formal complaint that you are reporting inaccurate and incomplete credit information on my Equifax Credit Report. 
15681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure possible accuracy of the information concerning the individual about whom the report relates, Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below. 
I demand that the following accounts be validated or DELETED immediately : 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 In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has been incredibly distressing to find out that I've fallen victim to identity theft. My personal information was misused, leading to unauthorized accounts and activities showing up on my credit reportaccounts that I had absolutely no connection to or knowledge of. Understanding the gravity of the situation, I took immediate action. Equifax advised me to file a report with the Federal Trade Commission ( FTC ), which I promptly completed. I then sent this report, hoping to resolve the issues swiftly and remove the false items. Yet, despite these efforts, the fraudulent entries remain on my report, causing continued frustration and concern over the impact this could have on my credit and financial well-being.
Product: Credit card or prepaid card

According to NetSpend 's website : " When you refer a friend who activates their new Netspend Prepaid Card and loads at least {$40.00}, you both get a {$20.00} credit. No reward will be credited to either party if referred individual had another Netspend managed program card that was used for a value load, purchase, cash withdrawal, or incurred a balance inquiry fee at any time during the 180 calendar days before the day the {$40.00} load requirement is fully met. Only cash reloads and direct deposits count towards the minimum load requirement. Allow 2 business days for {$20.00} credit to appear on each Card Account. The XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX are not affiliated in any way with the Refer-a-Friend rewards program and do not endorse or sponsor this program. '' I have met the foregoing requirements and have not received my {$20.00} credit. I have connected with NetSpend on innumerable occasions whereas they confirmed I am qualified and will receive my bonus credit. I have spoken to several supervisors that requested escalation requests on my behalf. It has been over a month and I have not received my referral bonus of {$20.00} ; when their website says it takes two ( 2 ) business days. This is misleading advertising and a violation pursuant to the federal truth-in-advertising law.
Product: Credit reporting or other personal consumer reports

This is the third time I am coming here to file a complaint but I have taken it a step further and filed a fraud complaint with the Federal Trade Commission and if this issue is not resolved, will be filing a lawsuit in my local court against Equifax. I have tried to access my Equifax credit report today XXXX XXXX on the free annual credit report website. I was able to access all my reports except Equifax. There was an error XXXX. I tried the Equifax website as well and received the same error XXXX. This company is definitely withholding my credit report and I believe fraud is in play. Why else would I have so much trouble with one credit bureau. Listed below are other complaints that I have filed against this company in the past. It is just a shame that I have to waste precious time and being denied my OWN CREDIT FILE. Something has got to be done about this. 

Previous complaint information : Equifax has not provided an update to my credit score since XXXX of XXXX. When I attempt to access my credit file via their own website, there is an error code of XXXX and my credit file is saying XXXX. I have called the customer service number XXXX over twenty times between XXXX XXXX. The answer I receive is the code XXXX means that some information was incorrect and that the back office would have to resolve this issue. I have faxed over countless copies of my drivers license, passport and social security card verifiying my identity but undoubtly, the information is not being received. I reached out to the company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX speaking to different representatives with no resolution. I reached out to the company again on XX/XX/XXXX after attempting to access my credit report via the XXXX website and after receiving the same error code. The representative ( XXXX ) verified that it was an error on my credit file which had been there since XX/XX/XXXX and he would have to send a ticket to the back office to resolve. I asked him how long this would take and he said not long usually 5 days and that no further action on my end needs to be taken. I reached out on today XX/XX/XXXX and spoke to XXXX. Explaining to him what I have addressed before, the error code XXXX and me not being able to access my credit from their website and that my credit file is still saying XXXX, as if I have no credit file. Today is the day and now it is time to file this complaint.
Product: Checking or savings account

All of the sudden my robinhood cyptro wallet has been locked. I dont know why all of the sudden my account was locked for no reason. I have submitted the documents and they keep pushing back the dates for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX. They keep pushing back the dates they are holding my account XXXX. I want them to release my account and allow me To trade sell and buy cyprto currency once again.
Product: Debt collection

The nature of this complaint, is the abusive practice of Frost-Arnett and violation of law.

They have called a family member not myself to discuss a medical issue billing in violation of Federal and State law, they must verify who owns the phone before attempting any communication, in their letter they write that if they hear by XXXX  they assume info is correct.

Not, they can not assume, Frost-Arnett and any debt collector can not and should not assume by any date. They must do their due diligence.

They should abstain making threats at any given times, and avail managers.

They are trying to collect a paid off debt, and only care how to defraud innocents, they should be shut down. 

This was paid by XXXX on XX/XX/23 check XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

In XXXX I had requested a refund for payments made during the forbearance period, totaling in XXXXXXXX with my previous student loan servicer, XXXX, to which original payment was made in accordance with the CARES Act Without notice by mail or email, I had come to find that my loans were transferred from XXXX to Aidvantage on XX/XX/XXXX by calling into the XXXX Customer Service call center. In this same call, XXXX informed me that they could no longer be of assistance as my loans were no longer serviced by them. 

Since, I have contacted Aidvantage several times a month only to find that my loans have still not fully been transferred over despite the announcement on XX/XX/XXXX that all borrowers have been transferred over XXXX XXXX XXXX XXXX  ). Likewise, over 3 months from my initial request, I have yet to receive my refund, nor do I have access to view my account history with either XXXX or Aidvantage.
Product: Mortgage

My Complaints are follows against : U.S. Bank, NA/XXXX XXXX XXXX 1. Per the attached scanned foreclosure letter from the Attorneys of U.S. Bank, NA/XXXX XXXX Loans, the terms of my mortgage Note/Loan originated by XXXX XXXX XXXX in XX/XX/XXXX has been changed from a fixed rate of 5.875 % to an unknown Adjustable Rate Note. This supports the fact that the loan documents and Deed of Trust have been separately casting serious doubt on XXXX 's right to foreclose. 
2. This loan has changed ownership more than 3 times namely : XXXX XXXX XXXX, XXXX XXXX XXXX, U.S. Bank NA, /XXXX XXXX XXXX ; and XXXX Master Participation Trust. The question of the day is who really owns my note and who has the right to foreclose on the note? There are so many inconsistencies using XXXX XXXX XXXX that flawed the originality of the loan, casting doubt on who is the real owner. 
3. Excessive late and other fees and U.S. Bank, NA/XXXX XXXX Loans practice of applying all my mortgage payments disbursed to it to these fees first. This unfairly practice leaves my principal to increase exponentially. This is " Pyramiding '' of mortgage payments. This negligent and unfair servicing and series of unapplied funds as you can see from the attached mortgage statement from month to month, my past due amount kept going up month after month. 
4. Now that I am asking too many questions, XXXX refused to accept payment and blocked my ability to make payment online until I have agreed to their Adjustable Interest Only payment modification for 5 years. U.S. Bank, NA/XXXX XXXX Loans have listed in the Court House and decided to sell through auction my property to the highest bidder on XXXX XXXX, XXXX. 
I need an urgent voice to stop U.S.Bank, NA/XXXX XXXX XXXX unfair business and illegal practices prevent them from illegally foreclosing on our house.
Product: Credit reporting or other personal consumer reports

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

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you verify the documents? Some of the accounts listed have inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit card or prepaid card

Two fraudulent credit card applications were entered into without my consent or knowledge on XX/XX/2022. A letter from one of the banks XXXX XXXX XXXX XXXX  ) was sent to me via U.S Mail for additional information to to make a decision on the credit, which tipped me off something was wrong. I immediately reviewed my credit reports and noted an additional bank ( Capital One ) made a hard inquiry on my account as well. 

I put a fraud alert and credit freeze at all 3 credit reporting agencies. I contacted both banks to inform them the applications were fraudulent. I called the local police department where a a police event # was created. The officer said no police report would be filed as nothing was yet stolen. 

The end result was no credit cards were yet issued in my name, however the hard inquiry from Capital One still exists and is affecting my XXXX  scores. 

On a final note, I noted the XXXX credit report included a Inquiry analysis from Capital One where information was given about me from the perpetrator with the a different address and phone number.