23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently discovered that my personal information was compromised due to a data breach and subsequently used without my authorization. As a result, accounts were fraudulently opened or used under my name. 

Unauthorized accounts LVNV FUNDING LLC {$760.00} ( Opened XX/XX/XXXX ) LVNV FUNDING LLC {$970.00} ( Opened XX/XX/XXXX ) XXXX {$270.00} ( Opened XX/XX/XXXX XXXX XXXX XXXX {$870.00} ( Opened XXXX XXXX, XXXX ) XXXX XXXX XXXX {$2200.00} ( Opened XX/XX/XXXX ) LVNV FUNDING LLC {$530.00} ( Opened XX/XX/XXXX ) XXXX XXXX {$730.00} ( Opened XX/XX/XXXX ) LVNV FUNDING LLC {$300.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX {$680.00} ( Opened XX/XX/XXXX ) PORTFOLIO RECOVERY {$410.00} ( Opened XXXX XXXX, XXXX ) I have reported the issue FTC, credit bureaus Additionally, I have attempted to resolve this matter by disputing charges, contacting customer support.
Product: Credit card or prepaid card

I have been waiting on debit card for 33days now. Since XX/XX/XXXX. The amount on it will be at {$6300.00} on XX/XX/XXXX. The longer I wait the more I have to spend in interest from having to borrow money. Ive called and cant get a person on the phone. Its all automated and their website gives no details until you have a card number. Ive went as far as to email conduent since they are responsible for XXXX ( XXXX XXXX XXXX ), which they havent used since XXXX when xerox took over. They became conduent in XXXX when xerox divided the company.
Product: Debt collection

On XX/XX/XXXX, XXXX  XXXX alerted me of a negative addition to my credit report that dropped my score over XXXX points. ( i have perfect credit, no late payments or charge offs ect. ) When i investigated this it was a collection company MRS BPO the original debt was to XXXX XXXX  a cell phone company opened XX/XX/XXXX for an amount of {$340.00}. With a cell number of ( XXXX ) XXXX that is a Michigan area code, i live in XXXX and have never had business with XXXX and i have had the same cell company for over XXXX  years! I was never contacted by XXXX nor the collection company just found it on my credit report. The credit collector had only a small amount of info and was told to contact XXXX but was never able to speak to a person only a bit on line, so i filed a dispute with XXXX and the other XXXX companies XXXX XXXX and XXXX to get some results and answers, my perfect credit is being ruined by this debt collector and XXXX and i want it removed this is not my debt, i have never used or done business with XXXX and do not have a cell phone from them.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated.
Product: Money transfer, virtual currency, or money service

Was having difficulty with Cash App account on XX/XX/2023 The service rep. Contacted turned out to be a fake scam and took {$500.00} dollars and transferred it to another account. 
*Cash app will not follow through on who took or received the money. They literally have no way of knowing who took the money if individual doesnt respond. 
*I know now Cash app is known to be seriously scam affected and by my banks response but Cash app does nothing to protect its users. I can literally XXXX and find multiple Cash app service messages that are fake. Why isnt Cash app taking action? Its not their money so they dont care. 
*Cash app is pushing XXXX big time. No safety precautions for users at all. 
*Cash app is available only restricted hours and its confusing how to contact.
Product: Credit reporting or other personal consumer reports

I've made multiple attempts to resolve the issue of false, erroneous, and misleading data on my consumer report, but the problem persists. These inaccuracies have had a profound negative impact on my life, causing substantial XXXX and stress. I must emphasize that I never authorized this information to be associated with my name, as I've been a victim of identity theft.
Product: Mortgage

Lennar Mortgage has been very remiss in qualifying me for a the mortgage to purchase a home from their builder, Lennar Builder. The underwriter has had my bank statements, and other documents since XX/XX/2023. They refused to accept a copy of the Settlement Statement showing the transaction from the sale of my uncle 's property since his death, which traces the funds to my checking account, as well as a Court document which appointed me the Executor of his estate. They have requested more information, but failed to be spacific as to their request to my lawyer. 
They lied to me in regards to accepting a crypto funds transfer. I was told that the underwriter said they the V A does not accept transactions from XXXX  accounts. This was a blatant LIE! In the XXXX XXXX XXXX hand book page XXXX, XXXX it clearly states in the other types of income, that a XXXX transaction to cash is acceptable. 
XXXX XXXX believe there is a discrimination issue underfoot, and I hope you can get to the bottom of this nefarious activity
Product: Mortgage

The company ( MyLoan Care ) has been hacked for a week now. There has not been any sort of communication to any members about such issue and that our sensitive information has been compromised. We could have hold off our ACH payment to lessen the issue until they got the issue resolved. 

I have been approved for a repayment plan and will just need to sign and mail the agreement page. However, I tried to call twice this morning and I got on a call with a member to verify if there are any other documents I need to submit and what is the mailing address since the instructions mentioned envelop enclosed but there is nothing there. 

They also only took out my payment today when it should have been taken out XX/XX/XXXX. However, now that I found out that they have been hacked I am so worried that my bank information has been compromised and SSN. 

I have mentioned to the member service that my inquiry might be time sensitive and if there's going to be any grace preriod provided by them since this is not our fault. They don't have any answer except they don't have information right now. According to her, she will be escalating my call or inquiry to her supervisor. They don't know when the website will be available again. 

I want to make sure I will be mailing my documents to the right address and submitting all documents needed so I don't go to into foreclosure.
Product: Credit reporting or other personal consumer reports

On the morning of XX/XX/2023 i woke up with XXXX unauthorized inquiries on my credit report Credit Alert New Inquiry XXXX XXXX XX/XX/2023 from TransUnion > Credit Alert New Inquiry XXXXXXXX XXXX XXXX XX/XX/2023 from TransUnion > Credit Alert New Inquiry XXXX XXXX, XXXX XXXX XX/XX/2023 from XXXX I've tried calling TransUnion and XXXX to get this resolved but was not successful. A security freeze was placed on my account with XXXX. I did not authorize any of these inquiries nor have i applied for anything that would run my credit.
Product: Bank account or service

First Data Global Leasing/corporation did nothing but deceive from the XXXX meeting with company representative XXXX XXXX, promising a non existent manual processing machine ( " XXXX '' ) for a trade show promotion, to no initial fees which were taken from my business account 5 days later, an automatic signup for " XXXX '' coverage that I specifically and quite clearly declined and all on a binding contract that was never signed. Repeated phone calls were never returned by the F.D.G.L. representative, XXXX XXXX, to address these issues. But when I went to XXXX, the point of vender contact, a call to his phone was answered immediately when placed by the branch manager. How can this possibly be legal? They NEVER batched out a single transaction, because we NEVER used, connected the terminal or processed a single card with the terminal. When I finally made contact with a F.D.G.L. agent, I was informed that XXXX XXXX no longer worked for the company and my contract is legal and binding. I agreed to a 3 year lease for the processing and the agent extended the terminal lease to 4 years. Now that the contract for the processing is over, they want {$600.00} for early cancellation of the terminal lease, plus the money for XXXX which I clearly stated I did not want nor need. I HAVE INSURANCE. How can this be legal? HELP ME PLEASE. Sign me up for any class action OR any action that can be taken. I have all of my records ; contract, bank withdraws, contact info etc. and will forward as requested.
Product: Debt collection

XXXXkeep receiving daily recorded messages from collection agency calling themselves allied. i do not have any outstanding debt or unpaid bills.
Product: Debt collection

I Sent my Dispute letters on XX/XX/2022. I asked the credit bureaus to " investigate every piece of information on my credit report accounts. I have attached a letter that includes all the accounts that are reporting inaccurately, I also have attached the letters I sent out to the Bureaus along with a tracking number. 

Here is the Tracking # XXXX According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

More than 30 days have passed and the Credit Bureaus have failed to validate these debts by conducting a proper investigation. I was never provided with competent evidence that I have any legal obligation to pay you for this debt for the alleged account. Every piece of information on this account is not still reporting 100 % Accurate. 
According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

My Dispute letters were received on XX/XX/2022. 

XXXX XXXX filed a lawsuit against me as of XX/XX/2022, without even validating the debt and conducting a proper investigation. 

I'm asking for this account to be DELETED from my credit report as soon as possible!!! 

In accordance with the Fair Credit Reporting act. The List of accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX 


The account above has violated my rights. 

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.

15 U.S. Code S 1692e ( 8 ) violation under the FDCPA debt collectors for false credit reporting False or misleading representations.

15 U.S. Code S 1681i - Procedure in case of disputed accuracy.

15 U.S. Code S 1681s2b - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code S 1681e - Compliance procedures ( 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.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed fraudulent information and erroneous personal information. Pursuant to 15 USC 1681c-2, DELETE fraudulent accounts and Inquiries within FOUR business days of receipt of this letter due to identity theft/alleged identity theft as I DID NOT originate nor authorize these accounts to be listed. Also, UPDATE my personal information pursuant to 15 USC 1681s-2. ADD NAME ( ALL THREE BUREAUS ) : XXXX XXXX XXXX. DELETE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
Please see attached Identity Theft Report.
Product: Mortgage

New mortgage with XXXX which was sold to shellpoint mortgage company. With all of the sudden change and confusion I had sent out post dated checks from XXXX. Upon no response as to checks received when I asked on the XXXX of XXXX I issued another set of checks for the monthly payments. I informed shellpoint that I stopped payments on checks XXXX to XXXX and replaced by checks XXXX. I asked them to destroy or return the checks upon receipt and keep the new checks. Shellpoint refuse to destroy the checks but submit them both monthly. I told them I can not afford XXXX sets of checks to be cashed monthly as payment on my account. Shellpoint is charging me NSF payments and late charges to my account for every month although they are receiving the monthly payments from my account monthly. I was told that I have until the XXXX of the month to make monthly payments. The checks they have on file are dated the XXXX of each month. 
I was told over and over after numerous phone calls and also after lodging a complaint that it is my error and the fees will stand. I find it very misleading by shellpoint for charging me all these fees and also telling me my account is in good standing. I asked if I could do auto debit from my account or pay over the telephone effective now for future. I was told the checks will still be deposited and I will be charge. Checks for XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX which they should return to me or destroyed ; instead they are depositing them and they were notified well in advance that they were stopped. A total of XXXX checks I am getting charged nsf fees and late payments for each month. They were notified immediately in XXXX. When I initiated the calls each time I was told they did not have my file from XXXX. I got scared and cancelled the checks and contacted my lawyer that did the mortgage because I did not know where they went. I only cancelled the first set of checks because I was instructed to do that by my mortgage broker and the mortgage lawyer. I would like shellpoint to destroy the checks or return them with confirmation and remove the late and nsf fees they are charging me unnecessarily which will run until XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. I would like you to investigate for me to make certain that everything is accurate. 

XXXX XXXX XXXX XXXX  Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXX - XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXXXXXX XXXX XXXX XXXXXXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files! 

XXXX XXXX XXXX  Please verify if this belongs to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account. I've hired my attorney to review these files!
Product: Mortgage

On XX/XX/2019 I obtained an FHA loan and purchased My property, with the loan agency Amerifirst Financial Inc, with the loan agent XXXX XXXX and realtor XXXX XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX ). This transaction was released at XXXX XXXX XXXX XXXX with XXXX XXXX as the representative. The issue An FHA loan was approved with fraudulent inspection done to the home that clarified that the roofing was in good condition. In reality the roof is not in good conditions to be approved by the FHA because of this reason the home insurance has been declined even when we paid the first year in advance. It is unknown to my knowledge how an FHA loan was approved when the roofing is not in good conditions to be accepted by any insurance. At the moment my property is uninsured with no coverage at all because the roof does not qualify to be insured. I have asked for help to all three parties that were involved and that were mentioned above. None of them has given me solution yet. I believe that I am a victim of mortgage fraud in the way my loan was approved by the FHA. I would be greatly appreciate if you could help me with this issue that these companies are making me go through. 
Also Send a Complaint to OFFICE OF THE ARIZONA ATTORNEY GENERAL CIVIL LITIGATION DIVISION CONSUMER PROTECTION & ADVOCACY SECTION This office sent information of our complaint to the lender and the lender. I answer that everything was done under the normal norms and that they could not help me. 
This Office Tells Me That If The Problem Is Not Resolved That Again Submit A Claim, BUT THE LENDER SAYS THAT THE PROCESS IS NORMAL. 
MY QUESTION IS : IS IT NORMAL THAT AN FHA LOAN BE ACCEPTED WITH PROBLEM ON THE PROPPERTY? 

Also Send a Complaint to FHA Resource Center After quite a few days and many phone calls they tell me that if the lender made any mistakes in our qualification or submitted false inspections in the home inspection, the only thing that will happen is that they will be given a call to pay attention to the lender ... ..?????????? 
Lender XXXX XXXX and the XXXX XXXX XXXX told me Lies, They said that the property insurance was canceled because there were 300 USD left to pay the insurance, they wanted to charge me more money, we paid a year in advance for the insurance in the closing costs at the title agency, Then the Title Agency CALLED THESE TWO PEOPLE TELLING THEM WHY THEY CHARGED ME IF WE HAD PAID THE INSURANCE, THEN THESE PEOPLE SAY THAT THE DIFFERENCE WILL BE PAID BY XXXX XXXX. 
The truth was that the insurance was canceled for not passing the inspection carried out by the insurance company. 
They are Non-Honest People, UNTIL THE TIME THEY HAVE NOT CALLED ME TO SOLVE MY PROBLEM BUT WE FOLLOW THE PROBLEM My house was purchased in XX/XX/2019, insurance was paid for one year, and the insurance was canceled in XX/XX/2019, until today our property has no insurance, no company accepts me to cover the roof for not being in acceptable conditions. 
QUESTION AGAIN ; HOW DOES AN FHA LOAN BE ACCEPTED IF NO ROOF INSPECTION DOES? 
IS AN INSPECTION DELIVERED WITH FRAUD? 
I NEED YOUR HELP PLEASE!!
Product: Credit reporting

The Transunion Corporation is violating my rights to an honest and true credit report by reporting to the public records section of my file and outdated and inaccurate tax lien that was made in error many years ago. The filed date is incorrect and the item does not include the lien removal slip which was granted by the judge following my attorney adamant appeal at the debt placed against me by the State Tax Franchise board of California. I have asked this information to be verified and have forwarded my tax removal slip to the bureau to be propeller verified and I requested a full and complete report domineering their pruderies and desciprtion during this reinvestigation process nearly 6 months ago and have been provided with ABSOLUTELY NOTHING! I am infuriated and disgusted by this poor attempt at a reinvestigation in my part and have become utterly anxious at the way my credit report is currently being reflected. It is not 100 % accurately because of this tax liens and the mis information it contains and i have been denied a lawful investigation. I have waited past the 30 day mark threefold of a time an don longer will wait for anything to be verified. I will not give this bureau anymore chanced to validate or verify anything. I have had enough and they are required by law, to follow the law, an removed tax lien ... XXXX from my records. It is their responsibility to validate this and they have NOT and it is their responsibility to provide me procedures and the descriptions and they have NOT. Why do i have NOTHING from this company and yet they are allowed to still report this? Why is it that i have mailed them every piece of document i can and the XXXX XXXX recorders office claims that they have receive don calls or validation requests from this bureau? What is it that has validated this? No one and nothing! They claim to use a 3rd party vendor and REFUSE to disclose anything about who they are and how they operate and validate consumer information. I will NOT rely on a 3rd party vendor with my financial life on the line, that is insane and not fair nor is this acceptable. Is this vendor certified? Is this vendor in the United States? Is this vendor knowledgable in the XXXX XXXX court systems? DO they have full and complete access to my report and all of my appeals and court records? When was this Vendor last certified and is their software up to date and FCRA certified and compatible with the law and guidelines? I WOULD NOT KNOW BECAUSE THIS VENDOR IS A MYSTERY AND THIS VENDOR IS RUINING MY LIFE!
Product: Money transfer, virtual currency, or money service

Paypal Suddenly send an email that they put my account into a limitation on XX/XX/2022 even though the last payment i received was on XX/XX/2022 and it was all good