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

I contacted Transunion on 3 separate occasions via CERTIFIED MAIL, FAX AND MY FINAL ATTEMPT WAS by PHONE. They will not assist me with unknown inquiries on my report. I am requesting they remove these inquiries from my profile ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 

I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete the address and multiple name spelling XXXX XXXX XXXX XXXX XXXX Texas I never lived there
Product: Mortgage

The loan modification CONTRACT documents say I should pay one amount. The loan account statements say my payment is a different number, a higher amount. Why? This servicer 's documents are harder to read and comprehend than others ' I have seen. Is this failure to communicate an error on their part or mine. I thought that the contract amount was the amount that I should pay, not amounts after the signing by the parties. The amounts on page XXXX of XXXX, XXXX of XXXX, page XXXX of XXXX, and XXXX of XXXX are different numbers, and conflict with the loan modification contract amount on pages XXXX and XXXX.
Product: Debt collection

Dear CFPB Representative, I am writing to file a formal complaint against LVNV Funding LLC regarding their failure to validate a debt that they claim I owe. I have serious concerns about the legitimacy of this debt and believe that LVNV Funding has not complied with the requirements of the Fair Debt Collection Practices Act ( FDCPA ) in providing sufficient validation. 

Details of the Issue : 1. Background : On [ XXXX/XXXX/2024, I received a collection notice from LVNV Funding LLC claiming that I owe a debt in the amount of [ XXXX ]. 
I promptly sent a written request for debt validation to LVNV Funding on [ XX/XX/scrub>/2024 ], in accordance with my rights under the FDCPA. 
2. Failure to Provide Adequate Validation : Despite my timely request, LVNV Funding has not provided adequate documentation or proof that I am indeed responsible for this debt. 
The information they have provided is insufficient and does not meet the FDCPAs requirements for validation. Specifically, they have failed to provide : A copy of any original contract or agreement that I allegedly signed. 
A detailed account of the original creditor and how the debt amount was calculated. 
Verification of the chain of title showing LVNV Fundings legal right to collect this debt.

3. Continued Collection Attempts : Despite their failure to properly validate the debt, LVNV Funding has continued to pursue collection efforts, including repeated phone calls and letters, which I consider to be harassment. 

I believe LVNV Fundings practices in this matter are unfair and potentially illegal, and I request your assistance in resolving this issue. 

Please feel free to contact me if you need any further information to assist with this complaint. 

Thank you for your attention to this matter. 

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

XX/XX/year> XXXX XXXX sent me a letter stating they would update the reporting ( after I wrote them telling them the reporting was invalid ) they updated with XXXX. The others are STILL inaccurately reportingXXXX I sent the bureaus the information XXXX XXXX provided PROVING there should be an update. USPS Certified Mail Number : XXXX. This reporting is a direct violation of my rights and is causing undue financial hardship
Product: Credit card or prepaid card

I was alerted by Capital One that my Venture Credit Card was compromise on XX/XX/XXXX and I was instructed to report the fraudulent charges made to Amway one for {$770.00} and other for {$76.00}. In doing so my card was deactivated and a new one was to be mailed to me. 

On Monday XX/XX/XXXX, In noticing that the charge for {$76.00} was holding a pending status, I was told not to worry about it, that this charge will also be delete from the account in 3 days and, to call again then if the issue was not resolved by that time. 

On Wednesday XXXX, The pending charge went from pending to a definite in my account. I was told by the fraud department supervisor that they are still investigating this fraudulent charge and that could take up to 90 days for a resolution on that matter. 

Capital One one knew that these were fraudulent charges and they alert me about it. I reported the charges and they deactivated my credit card and issue me a new one. In addition, they remove the {$770.00} charge but kept the {$76.00} as pending charge on the account. 

In my conversations with Capital One I'm getting different answers to this issue. 

Taking into consideration that both charges are made to the same company and to the same time, only one was removed. Capital One says that they are still investigating the charge but they already posted the {$76.00} as valid to my account.
Product: Bank account or service

Compass bank is unfair and unethical. I have overdraft protection from my savings account. I pay a XXXX fee for the transfer which is fine. However, I overdrew my checking and funds moved from my savings. I paid an nsf fee because my od transfer was not enough. That 's fine the kicker is I paid the XXXX transfer fee and because my account was still overdrawn I paid an nsf fee on my overdraft transfer fee. I 'm having to pay a fee on a fee.
Product: Debt collection

XXXX XXXX XXXX XXXX  ( XXXX  ) XXXX-XXXX XXXX  ( XXXX  ) XXXX-XXXX They called me from this number and said they had a debt to collect. They had my social security # and information. I immediately checked my XXXX   credit report and saw that they pulled my credit without my permission. I also saw that I do not owe anything to anyone except my mortgage company and XXXX for my student loans. I do not use credit cards, they have been paid off for about 10 years for me. Do not give in to these people, check your own credit and stay on top of things.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - TransUnion 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

Its an account on my credit report that I keep disputing to Transunion. Transunion refuses to do a proper investigation and update my account. Ive disputed it a few times and it keeps coming back as the same. This past dispute was done in a day so we know for sure they didnt take the time to resolve this issue. I havent been with XXXX in years and my account is still showing active and just opened recently. If an investigation had been done at all, Transunion would see that the account is old and not accurate. This leads me to believe that they havent even done an investigation because its no way the company sent them anything showing that I just opened an account or showing that I was just recently with them. Transunion hasnt sent me anything showing the investigation was done or any evidence that they received from XXXX XXXX XXXX. You know investigation isnt not done accurately because I can prove Ive been with my current phone carrier for years and that my number was ported over to XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I applied for credit with XXXX XXXX and received an alert from Experian stating my inquiry with XXXX XXXX and that my credit score dropped 40 points. I began to thoroughly look through my report to find out what was causing the 40 point drop and found that XXXX  XXXX reported my account as closed with a 30 day late XX/XX/XXXX. I contacted XXXX XXXX customer service at XXXX and attempted to resolve my concern regarding 30 day late payment with XXXX who could not help me and when requesting to speak with a supervisor, initially, denied my request. After I made another request to speak with a supervisor he finally transferred me to XXXX, who told me the I had a payment that was not made XX/XX/XXXX. I asked him why was no attempts to collect the unpaid amount made and why this my internal payment history reflects timely payments. Also, I asked why was it showing a 30 day for XXXX when my loan was paid off in XXXX XXXX, He could not answer that. ; I then asked to speak with someone on a corporate level and was advised that he would be the highest I could go and that they could not update my credit report but that I would have to contact the credit bureaus and have them dispute the incorrect information. 

I than began to reach out by help request through the website only to receive scripted response. 

Lastly, I am attaching my last credit report pulled that shows I had 12 on time monthly payments with XXXX XXXX. As of XX/XX/XXXX not only are they reporting I made a payment late 2 months after my final payment. They have also removed positive reporting data from my experian credit report for the following months : XX/XX/XXXX - XX/XX/XXXX. 

They have disabled me from being able to print my payment loan history
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  - Reference number - XXXX Record type Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reference number XXXX XXXX Record type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES ___________________________ XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX EQUIFAX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452
Product: Debt collection

I have told this company to not contact me. I dispute the alleged debt they are attempting to collect. The debt is not mine. 

Pursuant to 18 US Code 8, I owe no debt. This company is violating my my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Finally, as per 15 USC 1692c s 805, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit card or prepaid card

I just received this Us Bank Reliacard in the Mail I understand this is for Government agency 's to help reduce mail. I haven't asked for anything and the card came to my address with the name XXXX XXXX? I'm not sure if this is fraud but I did report it to my XXXX account and will take it to my local Police department. We have had several neighbors on our street getting 1099G 's for unemployment? I don't want to be one of those next year. Can you please help us with this issue. From the research I have done on this that when I call US BANK the person that filed can get the money but they have no way of canceling this card. Who ever this person is doesn't live here and we don't know how they got our address or who's Social Security Number they are using Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX - XXXX Subject : Dispute of Reinserted Credit Information - Account No. : 1. XXXX XXXX XXXX  XXXX | XXXX XXXX 2. XXXX XXXX XXXX XXXX | XXXX I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. The referenced account with XXXX XXXX XXXX  XXXX and account numbers XXXX  XXXX & XXXX has become the subject of a dispute. 
On XX/XX/XXXX, I initiated a dispute regarding the aforementioned account. Subsequently, my credit report, dated XX/XX/XXXX, confirmed the successful removal of this item from my credit file, report number XXXX. To my dismay, I have recently discovered that this same item has been reinserted onto my credit report. I never received a physical copy of the details of the investigation or details of why it was reinserted. 
I wish to draw your attention to the requirements outlined in the Fair Credit Reporting Act ( FCRA ), specifically under FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], which governs the reinsertion of previously deleted material. It stipulates the following : * Certification of accuracy : Information can not be reinserted unless the furnisher certifies its completeness and accuracy. 
* Notification to the consumer : In the event of reinsertion, the consumer reporting agency must inform the consumer in writing within 5 business days and provide additional details, including : * A statement confirming the disputed information 's reinsertion. 
* The business name, address, and telephone number of any furnisher of information involved. 
* Notice of the consumer 's right to add a statement to the consumer 's file to dispute accuracy or completeness. 
Regrettably, I have not received any such notification as required by the FCRA. This constitutes a serious violation of the act, and I must insist on my rights to pursue further action. To resolve this matter amicably, I kindly request that your company promptly removes this listing from my credit report. 
I trust that you will handle this matter with the utmost urgency and compliance with the FCRA. Failure to do so may necessitate further legal action. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and confidentiality under 15USC 1681. 

XXXX XXXX # XXXX / XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 makes 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 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

I checked my credit report and I see that there is a credit card XXXX XXXX for XXXX on my credit report. However I never applied for XXXX XXXX  credit card. I only have a XXXX auto loan at this present time. According to US CODE 15 6801 US CODE 15 1602 US CODE 15 1681a ( 2 ) I ) US CODE 15 1666b Please remove this account from my credit report Possible identity theft. I was a victim to identity theft within the last 3 years
Product: Debt collection

Jefferson capital is trying to collect on a debt thats already been paid to the original company as well even if it hadnt been paid this debt would be past the statue of limitationsthis is past
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$25000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX XXXX & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.
Product: Credit reporting

I have been refused by ( XXXX ) creditors to submit a letter to me to remove an unauthorized " Hard Inquir '' on my Transunion Credit Report & gt ; The ( 2 ) are : 1. XXXX - Unauthorized Inquiry on XXXX XXXX, 2016 2. XXXX XXXX - Unauthorized Inquiry on XXXX XXXX, 2016. 
These need to be removed from my Transunion Credit Report ( Only Agency where this occurred ) My Contact Info : XXXX XXXX - Phone # XXXX E-Mail : XXXX Please reply at your earliest convenience. Thank you.