23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV Funding keeps reporting higher balances for a collection account that's NOT VALID. This account shouldn't be reporting. Per 15 USC Laws this contributes to unfair practices and increasing amounts thats not existent which further intentionally to decrease my credit score.

Please review laws 15 USC 1681 ( a ) ( 2 ) ( B ), 1681 ( e ), 1692 ( e ) ( f ) ( g ) - please know we're seeking lawyer regarding LVNV Funding illegal behavior, as they violate each of these laws.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I received a text message alert saying that someone is attempting to XXXX  {$5000.00}. It asked me if I was the one trying to XXXX  the money and if not someone from the bank would be contacting me. ( This has happen with my credit/debit cards so it was not unusual. ) My phone rag and the caller ID said Chase bank. The agent on the other line said that the funds were sent but in order to reverse the transaction I would need to XXXX  the funds back to myself. He walked me through the process of sending the funds to myself. 

I did not fear anything at this point because I was simply sending the funds to myself and no one could get the funds except me because my email and phone number only belong to me and no one can legally use or claim them as their own. 

The Agent said someone would be calling me from the bank. When no one called I called the bank. Chase bank said that it was a scam and they are not responsible. They said to call XXXX at which time I found out that Chase is part owners of XXXX. XXXX said to talk to Chase?????? 

They completely have been giving me the run around!! 

I did some research and found the attached stories of tons of people who have had fraud committed against them for thousands of dollars in this same manner. 

A local news station Channel XXXX used its legal team to help victims recover the funds that they lost. The legal team ( attached ) found a Federal Regulation ( Regulation E ) that protects consumers from third party fraud. A directive was sent out in XXXX of this year. 

I filed a complaint with the Department of Agriculture and Consumer Services. They have also contacted Chase bank. I still have not heard from the bank about returning the money to my account. 

Everyone got their money back from the bank when channel XXXX confronted the bank. The reporter asked if the bank was familiar with REGULATION E. They said they were.
Product: Credit card

I was denied credit by XXXX XXXX based on a false security freeze claim. 
The company accessed my credit report but still denied you credit. Then they lied about security freezes. 
This violates FCRA, ECOA, and UDAAP. 
I only have a security freeze on XXXX and theres no law or regulation stating I cant be considered for credit if XXXX is frozen. 

15 USC 1681m & 1681b Were violated ECOA 15 USC 1691 was violated and ( UDAAP ) 12 USC 5531
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for their failure to properly handle my dispute regarding an inaccurately reported bankruptcy and their subsequent failure to conduct timely investigations as required by the Fair Credit Reporting Act ( FCRA ). 

Key Points : 1. I have filed for XXXX XXXX  bankruptcy in XXXX, Texas bankruptcy XXXX XXXX. I have documentation proving that the XXXX bankruptcy court does not verify XXXX XXXX bankruptcies 3. TransUnion continues to report this bankruptcy on my credit report despite this fact 4. I have submitted multiple disputes to TransUnion regarding this inaccurate information 5. TransUnion has failed to respond to my investigation requests within the 30-day timeframe required by the FCRA Timeline of Events : - XX/XX/XXXX : XXXX XXXX bankruptcy discharged by XXXX bankruptcy court - XX/XX/XXXX : Initiated first dispute with TransUnion regarding inaccurate bankruptcy reporting - XX/XX/XXXX - Present : Multiple subsequent disputes filed with inadequate or no response from TransUnion - XX/XX/XXXX : Bankruptcy continues to be incorrectly reported despite nine months of disputes Violations : TransUnion has violated the FCRA in the following ways : 1. Failed to follow reasonable procedures to assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) 2. Failed to conduct a reasonable investigation of disputed information ( 15 U.S.C. 1681i ( a ) ( 1 ) ) 3. Failed to review and consider all relevant information submitted by the consumer ( 15 U.S.C. 1681i ( a ) ( 4 ) ) 4. Failed to complete the investigation within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Requested Resolution : I request that the CFPB require TransUnion to : 1. Remove the inaccurate bankruptcy information from my credit report 2. Conduct a proper investigation as required by law 3. Provide written confirmation of the removal 4. Provide updated credit reports showing the correction 5. Implement procedures to prevent similar violations in the future Impact : This inaccurate reporting has caused me significant harm, including : - Multiple housing rental application denials, directly impacting my ability to secure stable housing - Repeated denials of credit applications, damaging my ability to rebuild my credit post-bankruptcy - Significantly higher interest rates on financial products, resulting in increased costs - Severe emotional distress and countless hours spent over nine months attempting to resolve this issue - Financial losses from multiple credit report purchases and certified mailing costs for disputes - The continued presence of this inaccurate information undermines the fresh start that bankruptcy is intended to provide I understand my rights under the FCRA and am prepared to provide any additional information needed to support this complaint. 

I declare under penalty of perjury that all information provided in this complaint is true and correct to the best of my knowledge.
Product: Credit card

I made a payment to my Citi Shop Your Way credit card on XX/XX/XXXX from my bank. The payment was not credited to my credit card balance so I called and asked why not as my card was being declined. The customer service representative at Citi told me that my bank had put a hold on the card and it would take 10 days to clear. This is a {$10000.00} payment so thats a considerable sum in lost interest. I called my bank and they confirmed no such hold was on the payment and it had gone through without issue. I called Citi back and they had a completely different story and that they had put the payment on hold, she could not explain why the payment was on hold nor explain why I had been given a completely different story by the first agent. I was transferred to a " specialist '' who could apparently resolve this - I had to explain the issue again at which point I was put on hold. After an extended hold period the customer service representative explained that he had tried to call my bank for some reason to " verify the payment '' and that he had " not received a satisfactory reply '' therefore the hold that Citi had placed on the account would still stand. I asked to have the issue escalated further to a more senior customer service representative called XXXX ID number XXXX who confirmed Citi had put a hold on the transfer but was unable to explain why and that they needed confirmation from my bank that the funds had cleared but also that the funds had been " credited '' to my account which was contradictory. XXXX XXXX attempted to contact my bank but was unsuccessful in doing so. Citibank refused to return the payment or credit it to my account with the result that Citibank held on to $ XXXX of my funds without my authority for a period of 10 days. I asked to have the payment returned and was told that this would take up to 90 days. I was denied the opportunity to escalate to a more senior representative nor was I allowed to talk to an alternative account XXXX. An awful experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items offof my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance {$110.00} XXXXXXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance {$260.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$6600.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance {$2500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance {$710.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX  XXXX. ) XXXX Balance {$740.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} XXXX XXXXXXXX XXXX Balance {$7400.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : USDOEXXXX ACCOUNT NUMBER : XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Mortgage

ON A PREVIOUSLY CASE, WHICH IT IS STILL OPEN AND NOR RESOLVED, CASE # XXXX, I AM STILL RECEIVING THREATENING LETTERS OF COLLECTION AND STATEMENTS ACCOUNT SHOWING MY ESCROW SUSPENDED, NO MONIES BEING APPLIED TO IT, AND ACCUMULATING LATE FEES. MY ACCOUNT IS CURRENT AND ACCORDING TO PREVIOUS ANSWER ON THE ABOVE MENTIONED CASE, IT SHOULD HAVE BEEN SOLVED BY XXXX/XXXX/17. I NEED AND URGENT ACTION ON THIS MATTER PLEASE HELP ME.
Product: Credit reporting

I disputed an account XXXX XXXX XXXX with Equifax and asked them to delete the account due to improper reporting. I also requested documentation showing details about the XXXX account. Equifax simply responded stating that the debt was valid and never send me any of the documentation I requested. I believe I received an auto-generated response, and no one actually reviewed the explicit instructions I gave in my dispute. 

I would like Equifax to delete the XXXX tradeline from my credit report for their failure to perform a full investigation, followed up with documentation, as per my request. Thank you for your time in investigating this matter.
Product: Vehicle loan or lease

On XX/XX/XXXX I sent a complaint via Consumer Financial Protection Bureau ( XXXX ) .The complaint was about consumer violations among other things that prizm had violated .Prizm company response was that they were sorry that I was struggling on my payments and that XXXX, XXXX, XXXX, the consumer signed a contract for the financing of the vehicle with prizm financial company llc.They stated that they did not purchase this contract from a third party.A copy of the contract has been provided to the consumer.Prizm is willing to work with the consumer on his payments, however prizm records show a lapse in insurance coverage starting XX/XX/XXXX...... Everything that they responded back to your agency with the CFPB is a lie, misleading, and heartless the way they do there consumer.I requested that they send me a copy of there accountant ledger meaning revealing who was the original creditor, whom the debt was purchased from, etc.On XX/XX/XXXX I sent a request for debt validation which clearly, stated what was the money you say I owe is for, show me how you calculated what you say I owe, provide me with copies of any paperwork that show I agreed to pay what you say I owe, provide a verification of any judgement if applicable, Identify the original creditor, prove the statue of limitation has not expired on this account, show me that you are licensed to collect in my state, and provide me with your license numbers and registered agent or agent of service.I have not received any of the requested information from prizm financial.As of Friday XXXX XXXX it would be 30 days since the legal document I sent via next day mail was signed for at Prizm office location.They lied when they said this contract was not purchased from a third party.My investigation reveals that they purchased this debt from XXXX XXXX ( which makes them a third party purchaser ) They also stated that They are willing to work with the consumer on bringing the debt current i have proof to show the consumer attempted to make a payment arrangement for the next week but they refused it.This company not only lies to me but lies to a federal agency like the CFPB.Wow.I also sent a second validation letter, an notary signed affidavit ( statement of fact ), a conditional acceptance letter stating all consumer violations they violated with evidence to go with it, and a payment invoice to go with it.I gave Prizm 15 days to respond before i move forward with my court proceedings.As of XX/XX/XXXX they had not reponded back to my conditional acceptance offer.So note that i have taken all steps to remedy this situation without pursuing a legal action.
Product: Money transfer, virtual currency, or money service

Since the year of XXXX, a called Card Connect, has been charging my bank account with a {$130.00} every month till present, XX/XX/XXXX. I have spoken with many merchant services Representatives that say they can help me but unfortunately have not. They have told me to call a different Company called XXXX XXXX because they have switched companies in XXXX. I've done my due diligence in acquiring what i needed and what the merchant representatives have told me to do. Please help me. Thank you
Product: Mortgage

On or around XX/XX/XXXX I accepted an offer from Freedom Mortgage. The offer was to move my interest from 3.25 % down to 2.375 %. I signed and sent Freedom Mortgage all documents they requested. 

On XX/XX/XXXX, XXXX XXXX XXXX my consumer advocate ) emailed me the following " I wanted to update you on your refinance : we are waiting on the subordination and should have another update some time next week. Nothing else is needed from you at this time. If you have any questions, my contact information is below. '' During the month of XXXX, I contacted my other mortgage company to help with the subordination process. XXXX XXXX mention they have a specific process to complete the subordination. XXXX XXXX emailed and faxed the information to Freedom Mortgage to complete the process. On XX/XX/21 I've also emailed Freedom Mortage ( XXXX XXXX the needed documents from XXXX XXXX to complete the subordination. 

Around XX/XX/21, XXXX XXXX from Freedom Mortgage contacted me to advise me that my consumer advocate is her going forward. Together, we reviewed my file and the complications that are being experienced. 

She was able to see that Freedom Mortgage had gotten all documents from me that are needed, also, that Freedom Mortgage had gotten the contact information from XXXX XXXX BUT Freedom Mortgage have not followed the requested process to complete the subordination. 

During this conversation, XXXX mentions that if this loan does not close in XXXX, then the transaction will be voided. 

On XX/XX/XXXX, I've spoken with XXXX. She advises me that she is no longer my consumer advocate. She claims that she had limited access to my file. She then transfers me to a regular customer service rep. 

The customer service rep shares with me that on XX/XX/XXXX my re-finance was denied because the subordination was not completed. 

I feel that this company is making an attempt to NOT close on the loan because I will pay more money to them by keeping the higher interest rate. I think they are purposely making this transaction complicated, confusing and being deceptive. 

THEY CALLED ME TO MAKE THE OFFER. THEY APPROVED ME. But now I want to complete the offer, they are trying everything they can to NOT close on this loan.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX, OR XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX XXXX XXXXXXXX XXXX XXXX, OR XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ). I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.