23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV Funding LLC sent me a later saying I owed an amount. I sent a letter requesting that they verify their info. They never responded. Instead I received a letter from Resurgent Capital Services LLC with photo copies of what I guess I was to think some kind of Statement of Account. At this point I decided to check my credit report only to find that LVNV had put this matter on my credit report. I have since sent letters to both asking for some kind of proof and I have received nothing. LVNV and Resurgent are both working out of the same address at XXXX XXXX XXXX XXXX SC XXXX. Both companies are sub companies of Sherman Financial Group out of New York. 

I am also now being harassed by XXXX XXXX XXXX XXXX about the same situation ... 

As a matter of fact I received letters from XXXX XXXX XXXX XXXX and Resurgent the same week both claiming that they are the servicer of this alleged debt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Practice Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX ), have violated my rights. 
15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I WANT THIS ACCOUNT TO BE DELETED IN 5 BUSINESS DAYS, THIS XXXX XXXX  WITH THE ACCOUNT NUMBER XXXX AND BALANCE OF {$0.00}, XXXX XXXXXXXX Account Number : XXXX IS NOT MINEI PLEASE BLOCKED AND REMOVE IT FROM MY CREDIT REPORT- IT'S VIOLATING MY CONSUMER RIGHTS UNDER
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, not response via mail or email and i am really disappointed about this happened account on. I am authorizing this complaint with proof of the disputes i sent out. Now please I attached my ID and utility bill to show who i am
Product: Debt collection

XX/XX/2016 XXXXn I have contacted this company numerous time to be removed off my credit report. They have removed it on my XXXX and XXXX credit report. I did not have any business with this company and I need this to be removed off my XXXX account immediately. 

The amount is XXXX
Product: Mortgage

Had a FHA Mortgage with Chase ( XXXX ) I did a Loan Modification with them in XX/XX/2013 in which only about XXXX weeks ago thru a payoff request that I understood that they did a second mortgage on me and remitted amount to XXXX. I am upset and feel like they did not upon approval of loan modification tell me what the product was on how it was going to impact me, Furthermore the XXXX XXXX Department there told me that the XXXX that was separated from my primary and setup as a second mortgage was Satisfied and that I did not owe any amount from the original amount of the loan and assured me that the remaining XXXX was the only debit we had. XXXX never disclosed to us who they were and what portion of my original loan they had. So I want to go after them with a NON Disclosure Act. Can you assist me?
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine FCRA violations : XXXX XXXX XXXX XXXX XXXX, NM XXXX Resident type Single family XXXX EXXXX XXXX XXXXXXXX, CO XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

bought items with my card and the charges fell off my account and i can not pay my bill that i owe unless it is posted back on my account, for the amount of XXXX,,,, capital one is trying to ruin my credit and i dont want to pay the high interrest that they are trying to make me pay
Product: Debt collection

The company is named Concord. That is all I know and they are trying to locate a XXXX XXXX at my telephone number of 12 years. I have explained on numerous occasions that this number does not belong to XXXX XXXX and to please stop calling. 
The number they call from is XXXX. 
Concord has called the following dates : XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - returned call advsd not XXXX number XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - returned call advsd not XXXX number again. 
XX/XX/XXXX XXXX - inbound At this time I have filed a complaint with the FTC as well. This company has also told me that they will remove the number from XXXX account. However ; they have not stopped calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on several occasions. First for several inquiries that I was not aware of on my report plus being a victim of one of the millions whom information was stolen. I advised them that one account on my record is not mines because I do not have a contract with XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX of {$990.00}. I am not responsible for this debt so please deleted it from my report. I have contacted Equifax on XX/XX/XXXX, XX/XX/XXXX and they will not removed nor verified the information. I have sent in an inquiry dispute letter on XX/XX/XXXX they sent me a letter stating it was completed on XX/XX/XXXX. I called in to ask why was it completed because there was no way it only took one day to verify the information. I submitted another dispute on XX/XX/XXXX and the same thing completed same day. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby 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. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX. Thanks in advance I have also added a fraud alert to all my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My merged credit report has inaccurate information.

I've tried tirelessly to get this information removed. According to 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as a late payment for any purpose. 

XXXX XXXX XXXX Account number XXXX XXXX XXXX Transunion account number XXXX XXXX XXXX  XXXX XXXX Date of origination Transunion XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Last payment TransUnion XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX Creditor Type Trans Union XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Credit Limit Trans Union {$23000.00} XXXX. {$23000.00} XXXX XXXX Date of last activity Transunion XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX Last payment TransUnion XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard credit inquiry from Barclays Bank Delaware and I have had no interaction with them and never requested any credit services from them or their affiliates. Their customer service continues to say that XXXX has to delete it, then XXXX XXXX says Barclays has to provide documentation. They illegally accessed my credit information without my consent.
Product: Mortgage

I refinanced and took a cash out loan on my home financed with XXXX XXXX XXXX XXXX on which there was a loan remaining balance. My payment history was perfect and my credit scores with the three major credit reporting agencies ranged between XXXX and XXXX. I have spent a lifetime building that credit history. I am considered lower income, elderly, and XXXX, but have perfect credit. The closure on my refinance application was very short. I received coupons to make two payments on the loan, the first of which was due on XX/XX/2021 to my primary lender, XXXX XXXX. I immediately made the first two months ' payments. The checks were cash on XX/XX/XXXX by XXXX, as documented in attachments. Within days, I received a notice from XXXX XXXX that they had purchased my loan and assigned it to PHH Mortgage. I was assured that I had no tasks before me, that any payments would be automatically credited to PHH. I received those assurances from XXXX, PHH, and XXXX XXXX. XXXX refused to transfer the payments to PHH, and PHH refused to pursue the issue with XXXX. After complaints to XXXX XXXX and multiple email contacts with XXXX, PHH acknowledged receipt of the money from XXXX on XX/XX/XXXX, with the notation on my account that the payment was 22 days late. I was assured by all three agencies that my payments from XXXX to PHH by law needed to be transferred and credited when paid, and I had nothing to do whatsoever, that the process would proceed smoothly and without incident. I now have a fraudulent entry on my account and credit history. In addition, the principal should have been credited with the payments on XX/XX/XXXX, when tracking ( attached ) indicates the payments were deposited into the account of XXXX. I have a considerable amount of interest on the principal to which PHH has refused to credit my account. All of those issues have violated both my contracts and the law. PHH is an institution with nearly 1700 complaints before the CFPB. I did months of research before taking out a refinance, and skirted PHH because they have a history of fraud and have learned they can get away with it when they prey upon the elderly, the honest, those with XXXX, and the lower and middle class. XXXX XXXX is equally to blame for continuing to push business toward PHH, knowing that their intent is to engage in illegal and fraudulent business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2012, while still in the XXXX XXXX and on assignment, my team, the XXXX XXXX XXXX, was scheduled to lodge at the XXXX XXXX in XXXX XXXX Texas while preparing for our unit to go on a XXXX. 

I was the first soldier to arrive so I checked in ahead of my team. We stayed at the hotel for 30 days on orders and our rooms were USD {$100.00} per night, totaling {$3000.00} plus taxes upon checkout. Every soldier 's room was supposed to be charged to their respective XXXX XXXX  issued credit card. However, when I checked my credit card balance, there was an astounding amount charged to my card for USD {$6000.00} plus taxes. I called the hotel to dispute the charges, and was told the additional charges were associated with another soldier, XXXX XXXX. I spoke with the hotel manager about the unauthorized charges and was told the issue would be handled internally to see where the discrepancies occurred. 

I arrived back to our unit, and financial services processed our card balances through a process called XXXX. My charges for my room were paid because they were valid, leaving a remaining balance from soldier XXXX XXXX room. The XXXX XXXX state the military was not responsible for resolving the billing discrepancies as that was solely the responsibility of the hotel. 

After not hearing back from the hotel, I contacted XXXX XXXX several times and made him aware of the billing discrepancy. XXXX agreed to pay the balance in full via several recorded calls and emails to remedy the issues. However, after many unsuccessful attempts, XXXX changed is contact information and I was never able to contact him again. 

This balance was reported to the credit bureau and I never had access to the card account after this issue. These unauthorized charges are not the result of myself, and the hotel management had ample opportunity to correct the issue caused by their front desk agent on duty. 

I am going o seek legal representation, as well as contact XXXX, and the attorney general about resolution. This account has been reporting negatively on my credit for over 7 years and keeps reappearing. I am NOT responsible for these charges.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccuracies on my credit report concerning the account with XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) requires that the information reported by credit bureaus be accurate, complete, and verifiable. However, the reporting of this account violates these requirements for the following reasons : 1. Inconsistent Reporting Across Credit Bureaus : The comments section for the same account differs : TransUnion : Dispute resolved; customer disagrees. 
XXXX : Subscriber reports dispute resolved - consumer disagrees. 
XXXX : Consumer disputes after resolution. 
Inconsistent comments can misrepresent the account status to potential creditors.

2. Dispute Not Properly Updated or Resolved : Despite the account being closed, paid off, and having a {$0.00} balance, dispute comments remain on the report. These comments are misleading, suggesting unresolved issues.

3. Reporting of Late Payments on a Closed Account : The report shows 30-day late payments in the payment history, even after the account is listed as paid and closed with a {$0.00} balance. This creates inaccuracies.

4. Failure to Verify Disputed Information : If disputes were resolved and the information remains inaccurate, the creditor and credit bureaus may not have fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Accuracy : Credit bureaus are required to follow reasonable procedures to ensure the maximum possible accuracy of the information. The discrepancies across bureaus indicate a failure to comply.

2. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputes : If the information has been disputed and remains inaccurate, the credit bureaus may have failed to conduct a proper investigation.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Furnishing Inaccurate Information : Creditors are prohibited from reporting inaccurate information to credit bureaus, especially after receiving notice of a dispute.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Negative marks like late payments should not be reported inaccurately on a closed, zero-balance account.
Product: Mortgage

I received check number XXXX from CitiMortgage XXXX XXXX XXXX XXXX XXXX, TX XXXX for an escrow refund XXXX dated XX/XX/XXXX for {$250.00}. It was issued by Citibank XXXX. XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX internal check number XXXX. 

I have the check in my possession and have not endorsed or made any attempt to cash it. I found it after I had my home renovated. In XX/XX/XXXX, I sent a certified return receipt letter to CitiMortgage at the XXXX address. It was returned to me. 

I'm unable to make the proper contact with CitiMortgage regarding this matter. 

Thank you for your assistance with this matter.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/XXXX 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 inaccurate personal information reporting on my credit file : Incorrect Names : XXXX XXXX XXXX ( XXXX, Equifax, and XXXX  ) Incorrect Address : XXXX XXXX  XXXX  XXXX XXXX and XXXX  XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX ( XXXX  XXXX Incorrect Address : XXXX XXXX XXXX ( Equifax ) Incorrect Address : XXXX XXXX XXXX There are several accounts reporting that does not belong to me : XXXX XXXX XXXX - Opened XX/XX/XXXX Balance : XXXX XXXX  XXXX XXXX - Opened XX/XX/XXXX Balance : {$7600.00} XXXX XXXX - Opened XX/XX/XXXX Balance : {$14000.00} The following accounts is inaccurately reporting late payments : XXXX XXXX - Opened XX/XX/XXXX Balance : XXXX
Product: Credit card

I was surprised to see a foreign transaction fee on my credit card statement as I had no foreign transactions that I knew about. I called FIA Card Services and was told XXXX of my transactions, through the XXXX, had been processed thorough a foreign bank. 
I called XXXX and was told that, yes, XXXX transaction out of my several purchases with them that day had been processed through a foreign bank. Others had been through domestic banks even though at least XXXX other was from a foreign vendor. The representative said he was surprised I had been charged a fee, but that it was my credit card company that had made that determination in error, not XXXX. 
I have bought and sold hundreds of books through XXXX and never once ( before this ) seen a foreign transaction fee. Oddly, he reimbursed the fee while saying the issue was with the credit card company. 
I called FIA Services again to see why the error had been made. The representative said XXXX had coded this as a foreign transaction from a foreign vendor, that they had not made any error. Then she also reimbursed the fee even though I said I was not asking for reimbursement, only to understand how to avoid foreign fees in the future when there was no process of notification that a foreign transaction fee would be assessed. She indicated there was no way to know. 
So my questions are these : Is anyone supposed to notify me that a foreign transaction fee is possible when buying from third-party vendors? How is it I can be charged a 3 % fee with no prior notification? Why is that my cost of business, not theirs? It seems to me XXXX has an obligation to inform me of an impending foreign transaction fee before the fact, not after the fact. Could you please explain how one is to manage this aspect of on-line business? Just what are the regulations pertaining to this? 
Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Condumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

As a private citizen I was caught up in the extensive recession as millions of other American citizens were. I eventually paid off all of my debt after obtaining another job. XXXX XXXX XXXX shows a balance of {$150.00} on my account that they initially charged off for {$1200.00}. However, once XXXX XXXX XXXX accepted my payment that standard of the debt can no longer be that of a " Charge Off ''. This is the guideline under FDIC Rule 5000. Now if XXXX XXXX XXXX is owed a balance, I request an updated statement or invoice. I will pay the balance immediately. Upon that time of payment, I demand that the Rule 5000 interpretation apply and that all references to " Charge Off '' be eliminated, and that the timeline for deletion be narrowed to the 7-year period of the account 's first late payment. XXXX XXXX XXXX is essentially holding my credit report hostage for a simple payment of {$150.00}. Once the balance is paid, the " Charge Off '' standard has been eliminated legally and permanently.