23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complaint is against LVNV Funding, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX NV XXXX. XXXX LVNV Funding, XXXX and XXXX XXXX Bank XXXX violated the following U.SXXXX Laws : 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 an account without my written instructions. 

15 U.S. C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of a competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

My request is that LVNV Funding correct my credit report by deleting confidential information reported to credit agencies.
Product: Mortgage

Applied for a refinance. I was told the interest would be 3.09 %. Loan amount {$150000.00} 15 year on a home worth {$500000.00}. Also have XXXX in excess of {$250000.00}, {$20000.00} in savings account and {$6000.00} in checking account, credit score if XXXX. 
Loan criteria became more and more difficult. Finally they offered me a 30 year {$130000.00} loan at 4.00 % interest. They have frozen my accounts and it is impossible to get ahold of XXXX the closing company. 
Quicken loan officer : XXXX XXXX ( XXXX ) XXXX ext. XXXX XXXXXXXXXXXX. 
XXXX # : XXXX XXXX # : XXXX Respectfully XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

My records associated with the account XXXX XXXX XXXX do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I already reached out to the credit bureaus and to XXXX XXXX XXXX for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX XXXX XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Transunion credit report file # XXXX dated XX/XX/XXXX. 

The account XXXX XXXX XXXX # XXXX contains INACCURATE INFORMATION. I am legally entitled to a 100 % accurate credit report. Please thoroughly investigate this account and make appropriate corrections. Please also provide me with the names, phone numbers, and email addresses of the individuals with whom you contact so I can follow up as well. If you are unable to make the corrections compliant with the FCRA and NJFCRA, you are required by law to delete the account. 

Balance {$15000.00} = INACCURATE Terms {$0.00} per month = INACCURATE Payment History = NEVER 30 DAYS LATE XX/XX/XXXX 15 U.S. Code 1681e - Compliance procedures section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

If you are unable to make the corrections compliant with the FCRA and NJFCRA, you are required by law to delete the account from my report pursuant to : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

This firm XXXX XXXX XXXX, XXXX / BLITT AND GAINES, P.C filed judgement against me on XX/XX/2010. I have paid them over XXXX on an original judgment of XXXX they sent me a new judgment amount showing I still owe XXXX ( see attached statement ). They have issued a garnishment against my wages that jeopardizes my employment and my ability to pay my month debts. I tried in the beginning to pay this amount directly to them versus garnishment and they would even respond.
Product: Payday loan, title loan, or personal loan

I borrowed money from the Lending XXXX in XX/XX/XXXX, {$17000.00} to be exact. They automatically withdrew {$550.00} from my XXXX  XXXX XXXX checking for 14 months. Totaling close to {$8000.00}. I refinanced my house in XX/XX/XXXX and I paid off this account. The mortgage company sent me a pre made check to the Lending Club. The amount was actually more than was owed. I called them before hand and explained this to them, and they said they would send me the refund. The amount I overpaid was {$1300.00}. I have called them over 30 times and explained this situation, and at the beginning they said they already sent it to me in my XXXX XXXX account on XX/XX/XXXX. I have never had a XXXX XXXX account! Never! I continue to call them daily with promises of a return call, and I never hear from them. I have sent them my XXXX  XXXX XXXX banking statements proving that I never received it. They put the direct deposit into someone else '' s account and do not want to accept the blame for that. The {$1300.00} is mine and I could certainly use it as my salary pay at my employer has been decreased by 30 % during the Covid19. If you could in someway help me, I would really appreciate it.
Product: Payday loan, title loan, personal loan, or advance loan

Green sky has been told that this loan was fraudulently placed in my name and that legal services was attained. They started sending mail with XXXX name on it to my address I. Michigan and she does not live with me. I have no loan documents and never signed any. My son and XXXX have paid this account to be exact XXXX has made the payments only! They got divorced and now somehow I am on loan as primary. They are to collect money from her they had payments coming out of sons account so what happened! They are harassing me and attorney has said to cease contacting me.
Product: Debt collection

First federal credit control is reporting a XXXX bill that I'm not financially responsible for. They have been contacted repeatedly by phone and mail by myself, and also the agency I was a XXXX XXXX  for a family. There was XXXX insurance, and any amount owed after insurance, was to billed to the agency to be paid by the intended parents. 
The date of service was in 2015 for the balance of {$120.00}. 
A letter was sent informing the credit bureaus I wasn't financially responsible for this bill. XXXX  continues to report this incorrectly and inaccurately.
Product: Credit reporting or other personal consumer reports

15 U.S. code 1681e ( b ) remove all false and negative reports from consumer report, ,Compliance state that the Credit Bureau must be in compliance states they called ( CDIA ) the consumer compliance standard states that in order for items to be reported on a consumer credit profile it must meet, yall ( credit compliance of CFBP and CDIA ) put this standard in place and all information must mandatory be in compliance with the information to be reported so since it doesnt I would like collect items that unauthorized and inaccurate or unverifiable must be removed from my credit repot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed multiple complaints for fixing incorrect information on my credit report and to date, nothing has been done. XXXX and Trans Union were notified of my dispute against a company attempting to collect a.debt that was XXXX in my bankruptcy of XXXX. The information remains. No explanation has been given but account was notated that a company responded. I've not seen any response. I also requested both agencies update my report to reflect 2 accounts that were settled in XX/XX/XXXX. To date, nothing has been done. The investigation were first reported to be underway in XX/XX/XXXX. This is 3 months later! When will this organization step in? Who is my point of contact? What other options do I have?
Product: Debt collection

This is in regards to the navy federal case. I spoke to customer service because I missed 2 calls today. I was told by the customer service supervisor this would not be resolved in my favor. They are done reviewing it. I sent so much information that was new plus the fact my mom XXXX XXXX passed away they dont even want a death certificate. Once again no help. This company is horrible I need to know who to take it to next. This is a corrupt credit union. I am trying to prove that. Please publish this case for all to see. I've been fighting for at least 2 years. I am telling the truth in each case. I wont stop until they resolve this. They are keeping it in house to make me pay instead of charging it off. I am not paying for I'd theft and the fact the cosigner died and they dont care.
Product: Debt collection

Allied Collection Service, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX, purchase a medical bill from XXXX XXXX. The medical bill was placed on my XXXX XXXX credit file on XX/XX/XXXX. This bill has incorrect information, this bill does not belong to me, the date for the bill is dated, XX/XX/XXXX, for the amount of {$2600.00}, now {$2600.00}. The date and sum amount due for this bill is incorrect. I had no medical services rendered to me on XX/XX/XXXX. I contacted Allied Collection Service and informed them that this information is incorrect, I made a request for the collection agency to provide me with documentation of dates and sum amounts due, I need verification. The collection agency has refused to provide me with valid documentation of this debt.
Product: Debt collection

Did not tell me his name. Stated everything was being recorded and would be used against me. Told me if I filed for bankruptcy they would take me to court. Asked to verify the last XXXX of my social security number. Would talk over me as i tried to recall the debt. Would not let me think over the loan. Demanded I pay right now to keep me out of court. When I asked him if he could resend a letter verifying the debt, he told me " the company would not spent one more cent on me. ". Kept talking over me and arguing with me. I hung up the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone has been using my son doing things in my name I have been trying to remove these things from my credit report and I have not seen any results so I recently went to police department to get a police report
Product: Consumer Loan

This is a follow up to case number XXXX. The company responded with a request for more time to investigate the issue due to the complexity of the nature. My complaint was submitted over six months ago, and I have not yet received any response. The company claimed I had no credit history, though I had a revolving account in good standing established with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Equifax, XXXX, has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681.

According to 15 U.S.C 1681, Section 602 A, states I have the right to privacy. 

The following addresses do not belong on my credit report : XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXXXXXX XXXX XXXX XXXX XXXXXXXX, RI XXXXXXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX RAVEN DIRCLE XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX
Product: Checking or savings account

I opened a Platinum Savings account at the XXXXXXXX XXXX XXXX  branch using a {$520.00} bonus promo code I had received via email. The banker confirmed the promo code was attached to my application. Despite meeting the requirements for the promotion, I did not receive the {$520.00} bonus within the 120 days mentioned in the terms and conditions of the promotion.
Product: Mortgage

everything started when government announce that companies can give a 3 months forbearance in the mortgage because of the COVID 19 Pandemic, I called my mortgage company and they told me to apply online. I did apply online and I got a response that my file will be in process, after that I did not hear from them, no emails, no letters in the mail. they said that they called me, but with all the calls were were receiving from collection agencies. i did not put a lot attention to phone calls. after couple month of hearing anything almost at the 3rd month, I received an email from one if my credit card saying that my credit was poor. they i dig into that finding out that I was late in my mortgage. I call the loan servicing ( LOAN CARE ) and they were not only rude about, but they stated that they call me and sent me letters which I did not received, and they told me that i can apply for a forbearance plan, which I did and now they dont want to take any payments until they get an answer from the investor. after that they transfer me to customer service and they told me that they didnt not send me letter to communicate because i have an electronic communication, but also they never sent me an email on this matter. my job is been affected and stops completely for almost 4 months. but i am willing to start making payments. thank you
Product: Debt collection

There is a Portfolio account listed on my credit stating I owe XXXX which is NOT mine. This is unknown and I have disputed with nothing being received back. Help
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX GBP was transferred from my wallet Gemini 's services. 

I would like to bring your attention to a serious issue I have with Gemini wires that first took place on XXXX of XX/XX/XXXX. 
I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. 
The funds were transferred utilizing Gemini 's services in the total amount of XXXX GBP! 
I would also like to point out that on XXXX of XX/XX/XXXX - I filed a dispute with Gemini.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX, AKA XXXX XXXX XXXX, AKA, XXXX ran an inquiry on my report without my verbal or written consent. 
I spoke with XXXX, XXXX who are finance managers stated they could not find me in their system. 
Inquiry date, XX/XX/XXXX, three consecutive times. Typed letter was given to manager XXXX on XX/XX/XXXX. He apologized, gave me a gas ticket receipt for {$40.00} stating it would be removed from my report. ( I have a copy ) My credit union, XXXX XXXX gave me a check to purchase a vehicle, I informed XXXXXXXX XXXX XXXX I don't need to sign any documents I was approved through my credit union. 
I never consented or signed anything. This has affected my credit score. 
Their address XXXX XXXX XXXX XXXX XXXX ca XXXX, ( XXXX ) XXXX
Product: Debt collection

When I answered, they wanted to know if it's me and when I said who's calling, they said it's personal. 
Another time they called, they said they are in a recorded voice and I said I don't to be recorded, they hung up Another time they said when I asked where they are calling from and they said Portfolio recovery. 
I asked what's that and they said personal matter I also had some correspondence
Product: Checking or savings account

XX/XX/29 I tried to login to my XXXX checking & savings account this morning and found it " locked due to suspicious activity ''. Initial call, a call center person tried to find out the reason why it was locked and one was not noted. They tried to find " the person that made the note or their supervisor '' but couldn't. They told me to give them an hour to call me back once they could locate this person. 

Fast forward 8 hours or so, I called back in and was told that my checking and savings accounts had been closed and " the relationship had been severed '' meaning I could not open up accounts with them again and they were very adamant about " we don't have to disclose why ''. I asked several times why, asked for a supervisor who was VERY combative and told me she could tell me why it was locked in the first place, since it was for " security reasons ''. Lo and behold, she found the same original note on the account that said it was locked, but didn't have a reason, but they don't have to provide one. 

From what I've seen, banks only close accounts for inactivity or big reasons, and none of those reasons good. My banking activity would not trigger any of those and I monitor my credit records and banking activity closely... so whatever information triggered this is likely false. 

My concern is this false activity getting reported to XXXX and preventing me from opening any other accounts, effectively banning me from banking. 

I'm asking for a review of this and information on why it was closed so that I can resolve it if/when it proves false.
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 Account Number : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving an accurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging, systematic issues, such as failing to forward, consumer provided evidence to furnishers, excepting unreliable, responses, and feeling to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected no remove disputed items. Despite the evidence I provided, causing, Im going home to my credit standing. I am requesting immediate, corrective action to remove, or amend the dispute account, as experience inaction violates federal law, am I right as a consumer.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On the XXXX XXXX I mailed in a payment to comenirty bank for XXXX XXXX dollars and then on the XXXX of XXXX I made another payment of XXXX to pay off the credit card. That was not credit to my card untill. XXXX XXXX before the due date of XXXX XXXX now the bank have add a finance charge of XXXX for the month of XXXX. Because I decided to pay off the credit card. Before the due date.the bank is comenity bank XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports  and noticed many different variations of my name and address. I have tried to reach out to XXXX, Equifax and XXXX by phone to dispute these variations but have not been successful. 
The correct first and last name : XXXX XXXX. 
The correct Street Address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
The correct phone number that should be listed is ( XXXX ) XXXX. 
The correct social security number should be XXXX. 
The correct Date of Birth should be XXXX.
Product: Debt collection

On XXXX, the company Navient attempted to contact me, XXXX XXXX, looking to reach another person, XXXX XXXX. I am related to XXXX XXXX, but I am distressed that they would call me looking to reach her. I have not been listed as an emergency contact or anything like that. Since they are a XXXX loan company this feels predatory. Researching and finding other relatives ' phone numbers to attempt to try and reach that person is a violation of personal privacy. On top of that, this is harassment of XXXX XXXX. I'm not sure of her involvement with the company, but for them to attack her in this way is a violation of her privacy and mine.