23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed this from my consumer report. I am requesting for LVNV to verify my Social Security Number, I am requesting them to provide the contract I signed with XXXX XXXX for this Credit Card. I am requesting them to show proof I provided all verification to apply for this credit card. I am disputing the date they are reporting the informationt to the credit bureaus because I do not owe XXXX XXXX
Product: Credit card

Citi Costco card. I never wanted the card and never used the card. I cancelled the card in writing on XX/XX/XXXX. I have a copy of the written cancellation mailed to Citi. Today ( XX/XX/XXXX ) I received a bill on the card for {$59.00} that I never authorized. I spent I do n't know how much time. Now the representative is giving me leading and misleading questions, trying to get me to agree to say things that are not true. For example, I have to say that I have the credit card when I do n't, I never authorized the card, I do n't want the card and I cancelled the card ( without ever using it ) in XXXX of last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX removed Chapter XXXX bankruptcy XXXX from my credit report. I have several documents to prove that this was removed and have sent those documents over to Equifax, but they are still reporting this public record as accurate. I know for a fact that there is no way that they can report this account as accurate since XXXX has removed it and they have told me that they have had trouble initiating a dispute with Equifax to have this information removed. There is no reason that this public record should come back accurate since it does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This does not belong to me!

15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit card or prepaid card

I entered a credit card transaction with Gs Bank on XX/XX/XXXX. I have had several issues with the card since I received it. I tried to pay off the balance in which the card was declined. I also tried to make several transactions where my card was declined for some apparent reason. I never received any text, or call notifications. My card was blocked and declined for several purchases. I called in and answered all verification questions and method possible. I have done that a few times this week and on other occassions in the past. It leaves me to believe that this is purposely happening and I don't deserve this as a consumer. I called in on XX/XX/XXXX, XXXX, and previously because this has become very frustrating and stressful. I wasn't able to make the purchase or pay for what I needed to pay for and the card was declined twice. I wasn't able to pay for my rent and other purchases. I was hit with late fees and pending eviction notice due to my transaction being declined for my rent. I was not able to access my card after verifying who I was several times. I called in the first time for the first incident and was told that my card was unblocked and ready for use, come to find out that my card and several transactions were declined. This is very embarrassing and distressful and I don't deserve this. I am also sending this complaint in regards Pursuant to 15 U.S. Code 1666 - Correction of billing errors. I didn't want for my monthly statement voucher to be in digital form for many reasons I requested a hard copy of the document more than 2 weeks ago, and I still haven't received yet. As I logged on to see the monthly voucher statement I realized that there was in fact correction of billing errors in a positive amount Pursuant to 15 usc 1666d I was denied of a credit limit increase as well so I have been experiencing so many issues with this card and company.
Product: Debt collection

I am not liable for any debt with Credence Resource Management and have no contract with them. They did not provide me with the original application like I asked and they repeatedly call before XXXX and after XXXX XXXX and on the weekends.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
SELF / LEAD XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XX/XX/202XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX  XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

After an in depth financial review at XXXX XXXX XXXX I found out that since XX/XX/2020, Credit Karma has been charging me $ XXXX {$250.00} twice monthly, totaling {$11000.00}. 
Credit Karma issued XXXX refunds totaling {$4000.00} back in XXXX, leaving me paying {$7700.00}. Ive attached a picture of the charges by date, amount and confirmation number. 

This is a service that shouldve been free according to my accountant. 

Credit Karmas own records will demonstrate that I have never accessed this account except to figure out why I was being charged these fees and to close the account. The company also doesnt have a phone number or email address to request refund.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 
I want the CFPB to publish
Product: Checking or savings account

I was supposed to receive a deposit via an ACH transfer from the Social Security Administration for {$2900.00}. It was processed on XX/XX/XXXX and paid XX/XX/XXXX. The funds were not deposited. I called SSA and they confirmed it was sent and gave me a XXXX digit trace number as proof. They told me to contact my bank. I did, Truist told me to wait another XXXX hours. I did. I called again on XX/XX/XXXX @ XXXX. The rep I spoke to would only tell me my account had no pending deposits. I knew that. I asked them to look up the ACH trace number to confirm it did not go the institution. The said they could not do that and referred me back to the SSA. The SSA just keeps saying it was sent and my bank should be provided info based on the trace number. Truist reps keep saying they can not do that.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Mortgage

Carrington Mortgage Services purchased my mortgage from XXXX XXXX XXXX and began servicing my loan on XX/XX/XXXX. At the time I had an open property damage claim due to Hurricane Irma. As of today XX/XX/XXXX, I have submitted all requested paperwork to them to have a check issued to pay 1 of 2 final draws to my contractor. The inspector that was assigned by Carrington came and inspected the home on XX/XX/XXXX and identified the home as 75 % complete in repair., and requested payment from the escrow on my loan. As of XX/XX/XXXX, Carrington still refuses to issue the promised draw amount which is in excess of {$11000.00}. They are holding over {$22000.00} of insurance funds, and will not release those funds nor will they explain why or request any additional documentation. As of today XX/XX/XXXX I have final inspection scheduled and their refusal to release funds have caused me to breach contract with my general contractor. I call Carrington on a weekly basis to check the status, and every time I call no one can provide an answer, and their response is always that it will take 5-7 business days to review.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigation consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or associates. 

My rights was violated a few times. 

According to 15 U.S.C section 602 A STATES, I have the right to privacy.

According to 15 U.S.C 1681 section 604 A Section ; It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a letter was sent to XXXX  asking them to verify the account National Credit systems XXXX XXXX XXXX. On the same date I also requested for the investigation done to determine the account is mines be sent to me as well in which the Creditor has not done so still to this day. XXXX  is the only credit reporting agency who continues to report this creditor although they have violated my rights covered under FCRA laws. With each dispute I have sent they keep changing information that theyre reporting. XXXX  has a copy of my Identity theft report, my police report for identity theft, and my complaint with the office of the Attorney General as well, yet they are still reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

after checking my credit report i noticed 3 accounts in collections that i have no knowledge of. The three accounts are, XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I have no knowledge of these accounts and i am experiencing fraud activity on my credit report.
Product: Debt collection

Spring Oaks Capital , LLC charges off an account in the amount of {$640.00}. However they use this as a write off on their end but intentionally neglect to send me a 1099-C form for each year they have reported the charges off amount. Theyre have charged off the amount {$640.00} but still report and show it as an amount due currently. Which you cant have a charged off amount and still report it to the credit bureaus as a current amount due.
Product: Checking or savings account

On XX/XX/2023, XXXX XXXX  XXXX in XXXX, MN. XXXX XXXX XXXX XXXX  until XX/XX/2023. XXXX XXXX XXXX XXXX XXXXl, on XX/XX/2023, I contacted Chime XXXX XXXX to find out how I could change my phone number in order to log in to my account. The XXXX police had possession of my phone linked to my Chime account. I discovered that my account had been drained of all funds and my balance was - {$35.00}. I filed a dispute with Chime XXXX XXXX. I informed Chime XXXX XXXX that I would provide documentation that I could not have made these purchases, as XXXX XXXX XXXX during this period. I provided Chime XXXX XXXX with : ( 1 ) a letter from my XXXX XXXX stating XXXX XXXX XXXX  during this period ; ( 2 ) court records indicating my XXXX XXXX XXXX dates; and ( 3 ) text messages from the person responsible for the charges apologizing for the fraud. Chime XXXX XXXX denied my dispute again. 

I received an email a few days later from Chime XXXX XXXX advertising XXXX 's Zero-Liability policy regarding fraudulent activity. It stated that the customer should contact the issuer. In this case, this was XXXX XXXX 

I contacted XXXX XXXX  and notified them of the facts above and provided all the proof referenced. XXXX XXXX  responded and stated that Chime XXXX XXXX had done an investigation and concluded that because I had made purchases at this merchant before that I was responsible for the fraudulent activity. 

I responded to XXXX XXXX  and stated that the rationale was arbitrary and capricious. If the fraudulent activity had occurred at XXXX 's, would they deny my dispute because I had used my card at XXXX 's before? Their rationale is illogical. I am awaiting a response from that reply to XXXX XXXX.
Product: Mortgage

I tryed for over a year to get them to talk to me they said they NEVER got the paper work, ( here are a FEW dates i sent and how ) fax XX/XX/XXXX, emailXX/XX/XXXX, email XXXX usps cert XX/XX/XXXX. I was quitclaim the property on XX/XX/XXXX but sent power of Att. before that they for closed, sent to auction ( Did Not Sale ) i kept saying i wonted a short sale. Now it is XXXX i will be thrown off the property in 20-30 days ( i will go to jail so i can be herd by a Judge as i was never served and i will have ALL the news media there ) XXXX told me they will try to clean it up and sell it fast ( LOW ) as i know the home is TRASHED, Celink also charges for stuff they do not do. They lie and play games to take your Home-Land this type of loan is one of the biggest SCAM on seniors and the GOV. needs to shut them down
Product: Credit reporting, credit repair services, 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
Product: Mortgage

I filed complaint # XXXX with Consumer Financial Protection Bureau on XXXX XXXX, 2016. IN this complaint I indicated that I filed paperwork with the HAMP program with Rounpoint Mortgage Servicing Corporation , Inc., and received no reply. I also indicated that I had been working with other organizations and public assistance programs. On XXXX XXXX, 2016, I drove to the XXXX County Sheriff 's office with my fiance, XXXX XXXX, to file a complaint unrelated to this case, and was served foreclosure papers.
Product: Debt collection

LVNV Funding LLC, has resold the same debt that I 've issued complaints to CFPB previously regarding. LVNV is not being represented by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. ( XXXX ) XXXX. XXXX has NEVER provided a verification of Debt for this attempted, and repeated collection of alleged debt. LVNV funding, nor XXXX has ever provided verification of originating debt. No signature cards have been provided and XXXX, LVNV funding have now submitted this erroneous collection to the Credit Reporting Agencies. I 'm asking CFPB to investigate LVNV Funding and XXXX for false collection practices. XXXX has been attempting to collect this debt since 2002 and has NEVER provided a Verification of Debt pertaining to their alleged debt collection. LVNV funding is committing fraud by reporting fraudulent debt to my credit reporting agencies and has caused me to be denied for credit because of this adverse and erroneous collection attempt. LVNV needs to provide the ORIGINAL VERIFICATION OF DEBT from whatever organization they received this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate information. My name is XXXX XXXX. My address is not XXXX XXXX  XXXX XXXX XXXX, MI XXXX. I have asked Experian to stop reporting this information. 

Under the Privacy Act I am entitled to privacy. 

I am now opting out of any information reporting except XXXX XXXX my address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX.
Product: Mortgage

XXXX of XXXX. I went to pay my mortgage payment and it was over {$200.00} higher. I immediately made contact with the company/servicer PHH MORTGAGE at : XXXX. I spoke to retention manager XXXX. He advised that my insurance went up and I was no longer 100 % permanent in total. He said I was partial so Im being charged property taxes. I advised him I was enrolled in XXXX and I was still 100 % permanent and total with the government and state. I also stated my insurance did not go up ; in fact, it does not renew until XXXX of XXXX. He confirmed that he had the tax exempt form from my county in my files, he does see Im exempt, but he believes its partial and my insurance went up. I emailed him the documents and contacted my insurance company, who confirmed it is still at XXXX ( XX/XX/XXXX- XX/XX/XXXX ) and it did not go up. They emailed a declaration page, I immediately forwarded to PHH MortgageAttention XXXX ). XXXX never returned my calls. He is completely unavailable. Customer service representatives for this company continuously read his notes, advising that he has not received any documents, and that he is not in his office and/or at work. They also formed me that he called me back at a phone number that was not my phone number and at an unknown email that is not my email. I confirmed my contact information, I have sent documentation to include, all my current contact information, and advised that my contact information is current with the company. I have not received no response and no explanation. I dont know why hes emailing and calling numbers that are not mine. I was forced to contact usa.gov mortgages submitted a complaint because my VA loan is being mishandled. My payments are extremely high. I was not contacted., of any explanation of why it was raised. And no one is returning my calls or emails and I have resubmitted the documentation that is already in their file. VA took the case two days ago, and begin investigating, because what Im being told is not true. The company continues to ignore me, but raised my mortgage for personal reasons which is unlawful. Ive never missed a payment nor been late.
Product: Credit reporting or other personal consumer reports

I am disputing a {$4500.00} collection account from XXXX XXXX Apartments that was placed on my credit report by XXXX XXXX. This collection is inaccurate and should be removed for the following reasons : 1. The debt is based on misrepresentation. I was told by the leasing office that I was signing a non-binding holding agreement, not a lease. I never moved in, never took possession of the unit, and never received services. I also never paid any fees typically of binding lease agreement.

2. I have already disputed this debt with the credit bureaus, but it remains on my report. The Fair Credit Reporting Act ( FCRA ) requires all reported debts to be accurate, fully verified, and fairly reported.

3. This collection is unfairly damaging my credit and preventing me from securing housing.

I am requesting that the CFPB investigate this inaccurate collection and require its removal from my credit report. I am happy to provide supporting documentation, including a witness statement and my dispute letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has confirmed that I may have been affected by the hacking breach of XXXX 2017, yet provided nothing short of self-preserving, reactive remedies to the situation. Not only did Equifax  attempt to force an arbitration waiver on affected people and dupe them into subscribing to their monitoring services, Equifax has repeatedly demonstrated a lack of regard for security best practices, including requiring randomly generated PINs, not just easily compromised datestamp-based PINs. Equifax was utterly negligent in its handling of extremely sensitive personal data, and it seems only fair that they lose the privilege of handling this sort of unique, irreplaceable information. Consumers like me deserve the right to protect our data from these kinds of greedy, irresponsible companies. Their feeble offer of a year of credit monitoring still leaves the fox guarding the henhouse and does nothing to protect consumers who have lost all semblance of data security in perpetuity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX5 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 the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my Chexsystems report and found the inquiry below which was not authorized by me : XXXX XXXX on behalf of XXXX XXXX DATE : XX/XX/2015