23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account name RESURGENT/LVNV FUNDING Account number XXXX .... 
Recent balance {$25000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$25000.00} past due as of XX/XX/XXXX. 

RESURGENT/LVNV FUNDING Account number XXXX .... 
Recent balance {$26000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$26000.00} past due as of XX/XX/XXXX. 

RESURGENT/LVNV FUNDING Account number XXXX .... 
Recent balance {$29000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$29000.00} past due as of XX/XX/XXXX. 

RESURGENT/LVNV FUNDING Account number XXXX .... 
Recent balance {$9800.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$9800.00} past due as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus fail to provide proper information to validate a alleged debt. XXXX, XXXX and XXXX violated my rights as a consumer. Pursuant to Us code 15 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from XXXX XXXX that a new hard inquiry showed up on my account from Fifth Third Bank today ( XX/XX/2023 ). I have not applied for any credit cards or loans recently, let alone today while I was at work all day.
Product: Student loan

I contacted Navient and told them to stop automatic payments from my account. They continue to take money out of my account. I have a letter stating the stopped automatic payments and they still took money from me. I am in the process of applying for the loan forgiveness program. This has caused me major financial stress. 
I want the money back in my account that was taken.
Product: Debt collection

LVNV Funding LLC I am responding to your last letter about collecting a debt. 
XXXX XXXX ; CFPB Case # : XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Current Owner : LVNV Funding LLC Reference Number : XXXX Simply stating in your last letter you verified without providing a signed contract is unacceptable. I am not responsible for the debt youre trying to collect. If you have good reason to believe I am responsible for this debt, please attach a signed contract to your response on this portal for this claim. Documents showing my responsibility, including but not limited to : A signed contract proving this debt belongs to me. 

Stop all other communication with me and this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also say that the debt is disputed. 

I appreciate your cooperation. 

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

I am writing to express my extreme frustration and disappointment regarding the handling of the 15th attempt to remove fraudulent items. The persistence of these fraudulent items, despite repeated attempts to address the issue, is unacceptable and demands immediate and decisive action. Despite countless assurances and previous attempts, the fraudulent items remain unresolved. This ongoing failure not only undermines the credibility of the process but also raises serious doubts about the competency and commitment of those responsible for rectifying these issues. I demand that this matter be treated with the utmost urgency and seriousness. The continued presence of fraudulent items after this attempts is unacceptable and reflects gross negligence. With this, I am asking for your assistance to remove fraudulent items : DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$370.00} XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 5 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Hi, my name is XXXX XXXX. I live in XXXX, CA. My property is XXXX XXXX XXXX, XXXX, CA XXXX. I have a very serious problem going on right now. I have a sale date scheduled for my home on XX/XX/2017. My servicer now is Shellpoint Mortgage Servicing, a division of New Penn Financial, LLC. My previous servicer was XXXX XXXX XXXX, XXXX ( XXXX ). I was under a loan modification review with XXXX and out of nowhere I receive a letter from Shellpoint Mortgage saying they are the new servicers while after receiving that letter I was still getting correspondence from XXXX for a very long time. I was very confused as to who was the real servicer was. That put me in a very bad stop because I never received goodbye letter from XXXX saying they have transferred my loan to another company. I was scared what if this Shellpoint mortgage was a scam company asking for my documentation. 
Back when the crisis happened my business went down. I lost my job and my income. I could not pay my mortgage. After a while I got back up on my feet. Found a job, my income got getter and increased. But it was still not enough to pay my mortgage so I turned to apply for a loan modification with the bank at that time. I got approved, they gave me a trial period payment it 's a three payment process. I paid, but as soon as I made the 3 payments in a course of three months they sold me to another bank, that bank did the same thing three payments and then sold me. Now I 've been working with XXXX XXXX XXXX for over four years now. It 's always a game with them. I apply, send them all requested documents, wait send more documents, wait, then a sale comes up, I XXXX out, I XXXX, I give them everything and they still try to sell the home. I already am exhausting all my energy. I want to keep my home, I want to pay my mortgage but can not because I never get offered anything. How much longer will I have to wait and keep this going? 1 year? 3 years? Will I ever get a chance to pay my mortgage at an affordable monthly payment? A loan modification is supposed to help me but I ca n't even get an offer. I now have a Sale date that is scheduled for XX/XX/2017 and I 'm scared that they will sell my home after all these years trying and me and my family will be left out on the streets. I called Shellpoint Mortgage Servicing and they said they have received all my documents but they can not talk to me other than their legal team. I asked for them to give me the legal teams contact information they said that someone will call you in 5 business days. By that time my home will be sold. I need to talk to someone now. No one will talk to me and they said that I do not have a single point of contact. I believe they have and are violating my Homeowner Bill of Rights.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my XXXX. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my XXXX I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Checking or savings account

I was emailed a job offer that I thought was from XXXX. I was emailed an official signing form and was told that I have to email clients asking for their contact information. I proceeded to email the clients I was told to email and asked for their contact information. I never received a response from the clients because I believe the email they told me to email was fake. I was then mailed fraudulent paychecks. I honestly did not realize it was a scam and thought it was a legitimate online job/gig the entire time because I legitimately spent considerable time writing polite emails requesting clients to do business with the company I thought was legitimate. I tried depositing the paycheck they mailed to me but it immediately flagged my Bank of America account and put me on the early warning system. My Bank of America account was then closed and I am unable to open any bank accounts at any branch anymore. I am in desperate need of a student loan and mortgage but I can not even open an account. I have been on the early warning system for 6 months now and I am still unable to open an account. I had a XXXX credit score, 9 year account that I am unable to reopen. The fraudulent check decreased my consumer score report significantly.I believe the email scammers found my email address from my portfolio yusufmzaidi.com or through social media due to me mistakenly putting my contact information public. I am urgently seeking to be put off the early warning system so I can deposit paystub checks from my employer XXXX XXXX XXXX ( which is a legitimate company I work for ). I unable to deposit my paystub currently and I am a starving college student at the XXXX XXXX XXXX My Bank of America and XXXX XXXX accounts were closed due to this and I am unable to open a bank account with any physical branch. This is a very serious issue for me and I am finding it extremely difficult to survive without a legitimate bank account when applying for mortgages and student loans. I am only able to use XXXX, XXXX XXXX, and XXXX XXXX currently but I am unable to deposit any checks whatsoever. Please contact me XXXX XXXX as soon as possible because I am trying to resolve this matter as soon as possible. I have been on the EWS for nearly 6 months now. -Yusuf XXXX the fraudulent email is XXXX I have PDF of the entire email scam conversation and photos of the fraudulent paychecks. I also have one the of the physical pay checks. I filed a report with the XXXX XXXX  Department. I contacted Bank of America but they told me to contact XXXX XXXX which has still not responded to my dispute after 6 months of trying to reach them.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXXXXXX, XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Mortgage

I still have not received requested original loan origination documents regarding the letter I wrote on XX/XX/XXXX to Bank of America. My letter was in full detail in regards to the documents that I requested as well as notarized and proof of services as well that I sent to Bank of America. I ; m again requesting all documents and, original check payments made by me from XXXX to XXXX or alleged HELOC money withdrawal checks made by me. As well as all original loan documents as stated in my letter. Because there are several discrepancies regarding the HELOC. Also Bank of America is trying to Evict me from my home by using my spouse name to do the Eviction as if we have no connection to one another. Bank Of America is using XXXX XXXX XXXX XXXX XXXX as a cover up for the Eviction when XXXX XXXX XXXX XXXX XXXX stated not to have a record of my home or any involvement with my home several time via email.
Product: Credit card or prepaid card

Hello, I have submitted a request multiple times with CITI bank trying to get this resolved, nobody will help me and they are forcing me to pay for a purchase I did not authorize. This should be illegal on behalf of CITI cards. 
My statement stays the same : In XXXX I was abroad in XXXX and took a cab from the airport which I was quoted and told is XXXX Brazilian real = XXXX USD. I used Citi credit card to pay for the XXXX minute cab ride. The taxi driver quickly rushed me out of the car, swiped my card through the window using his phone paying system, did NOT obtain my signature and just drove off. 20 days later when I checked my statement from Citi card I realized I was charged {$420.00} for that cab ride! I was overcharged {$410.00}!!! I immediately contacted Citi and they reversed the credit pending investigation. They ruled out in favor of the merchant citing I did not have enough proof. How could I provide proof for something that I never approved or was never given a receipt neither did I sign anything??? I was scammed abroad. 
Customer service of the merchant does not provide English support so they are of no help. When I called and emailed Citi cards 3 times explaining in detail and talking for hours on the phone with different representatives, they are not willing to investigate further or obtain proof from the merchant, they are putting this responsibility on me, the consumer, who was scammed and a victim of bad business. They refuse to reopen the claim citing I still would not have the evidence. And in the explanation letter they are pretty much threatening to report me to the consumer reporting agencies if I do not pay the required and full amount ( which I believe is illegal to do so by FTC ). 

It has been the worst experience with the bank pretty much telling me it is my responsibility to pay over {$400.00} in charges I never authorized. This must be illegal and not fair towards the consumer. 
Please help me with this claim.
Product: Credit reporting or other personal consumer reports

They did not remove the information which resulted in a lower credit they did not remove the information which resulted in a lower credit score, and I was denied credit several times
Product: Credit reporting or other personal consumer reports

Nature of Dispute : Unauthorized Inquiry I did not authorize the inquiry by [ XXXX ], which is reflected on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that only authorized inquiries are reported on my credit file. 

I kindly request that you investigate this matter promptly and remove the unauthorized inquiry from my credit report. Please provide me with written confirmation of the actions taken to rectify this error.
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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

There is a fraud alert on my credit report with Experian. I've followed the instructions according to their automated phone system and website to have it removed. The info to have the alert removed was sent via USA mail per the instructions. After a couple of weeks I called directly to try and have it expediated because its holding up a refinance mortgage I'm trying to close on. The person I spoke to was not willing to help me when I pressed to speak to someone that I could possibly email or fax the info to in order to have this alert removed. The person then hung up on me. Experian 's website and customer service is not user friendly. I need the fraud alert remove ASAP!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

It is XX/XX/20. I am trying to link my pnc bank account with this XXXX. I am trying to start this investment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I was in bed and received text notification that there were suspicious fraudulent transactions at XXXX gas stations and XXXX. I responded to the text and also online account to dispute the charge of {$56.00} that went through at XXXX. On XX/XX/XXXX the company sent me a letter denied my dispute and stating that the card chip was read and was signed by me when it was not. On XX/XX/XXXX, I was at home and had both of the cards in my possession. I called back to have the claim reopen and investigate again but have not heard ever seen. I called in XXXX and followed up and somehow one of the agent told me it takes two billing cycle to see the result. On XX/XX/XXXX, I tried to follow up on the fraudulent claim using the number on the letter again. After being on hold for an hour, I was able to speak to a representative and the agent told me its not them that handle the claim and transferred me to another department that responsible for it and I was on hold for another 30 minutes. The representative in this department told me its not them to handle the claim either so they give me another number which refer back to the first department I spoke to. I even request to speak to a supervisor to see if they can help me. I expressed my concern regarding the issue and the only thing she said to transfer back to the original department. It is a frustration to waste time going back and forth one from department to another where nobody know how to solve this claim. I feel like this is a very serious issue being a customer of a credit card company that is not helping to protect the customer
Product: Credit card

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX  or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing an unacceptably lax job in the first place. Thank you for taking time to read my complaint.