23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

vKINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a {$100.00} visa gift card for XXXX upon opening the gift card that had no signs of being tampered with I checked the amount on the card, the balance was XXXX. I informed the company XXXX who handles theses matters for this Visa card and they informed me to submit a proof of ownership via fax. I sent the company my license, original receipt, my contact info, front and back of the card and a hand written statement. I called back a week later and they said they did not receive anything from me although my fax machine said the paperwork had been sent. So I sent it again while the representative was on the phone. She said they did not receive anything on their end and my fax machine was stating the paperwork was sent. We checked the fax numbers, which were correct. So she advised me to send the paperwork via mail. Cut to XX/XX/XXXX, I call the company and they state that they never received my information via fax or U.S. mail and I should start the process all over again. After speaking with the customer service rep I spoke with a rather rude, and unhelpful supervisor, XXXX ID XXXX. I asked whether he could stay on the phone and verify that the company had received my information if I sent it again he states that there is no way for him or anyone in the department to verify whether they had received a fax which contradicts the initial lady I spoke with and makes no sense.
Product: Checking or savings account

On XX/XX/2022 I opened a Checking and Savings Account online with Truist. Later that day I funded the accounts ( in excess of {$40000.00} ) by making deposits at my local branch with XXXX 's Checks from my previous bank. On XX/XX/2022 I visited the branch because I had not received my debit card and I needed to make a withdrawal. I was told that my account had been closed and that I was unable to withdraw my funds. After several hours at the branch I was told to leave and that I would be called with and explanation an when I could have my funds returned to me. On XX/XX/2022, I received a call from Truist and was told that I could come pick up my funds on XX/XX/2022. On XX/XX/2022 I went to the branch to pick up my funds but I was again sent away and told that I would not be able to receive any of my funds and again I was told that they didn't know when they could reopen the account long enough to withdraw my money. I have been denied access to my money with no explanation and no definitive answer of when I will get my funds. I need your help. I have no other funds available to me and do not know what else I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding LLC is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent XXXX, XXXX, and XXXX written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theftXXXX XXXX XXXX XXXXXXXX ACCT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

LVNV FUNDING LLC is sharing my nonpublic information with nonaffiliated 3rd parties XXXX, XXXX, & XXXX. LVNV FUNDING LLC does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are violating my rights to privacy as a consumer, they withheld my rights to be able to opt out of sharing reporting private inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports ( XXXX ) XXXX XXXX XXXX., reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my credit card in full in XXXX and was told it would be closed. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid. This card should have just been listed as paid and closed!
Product: Mortgage

Please help us! Lakeview loan servicing/XXXX  will not allow us access to our records. They have been stealing my money. Now I am unable to make a mortgage payment because when I call, Im only told that the company can not access my records either. My husband & I, are first time homebuyers. We have never been late even one time However, the company appears to be keeping our money and/or not distributing our money where it is suppose to go. Now I am unable to make any payment at all, because the company ; lakeviewloanservicingXXXX has experienced a security breach and claims that they are unable to access our account also. Please help! How do we pay our mortgage payment?
Product: Debt collection

I contacted the agency back on end of XX/XX/XXXX to verify debt. I told them I didnt think the debt was mind because the address used at the time I hadnt lived there in a year. I specifically asked for something showing my signature on it to prove that debt owed was mine and they told that wouldnt be a problem. I then contacted them again in XX/XX/XXXX and they said they had sent me a letter which they claimed verified debt but in the letter there was not my signature or any other signature just a doctors name from the emergency room. So I called again to say which is XXXX XXXX XXXX and they said XXXX a supervisor would contact me in 7 days and it has already been 90 days the date of delinquency is XXXX and the other Is XXXX I asked them if that can at verify debt to remove the debt from my credit profile and they havent. Fox collections is the name of the Agency and one debt is for XXXX and the other is for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First attempt to resolve this issue was not effective and continues to be in violation. By law consumer reporting agencies has 4 days to remove accounts relating to identity theft. Consumer reporting agencies must follow state and federal regulations and codes including under FCRA and Privacy Act. XXXX XXXX is an account showing on consumer credit report is in violation of the FDCPA, Privacy Act, FCRA, as well as section 5 of the FTCA. Consumer demand this account to be removed immediately as consumer has already filed identity claims and other complaints against said company. Consumer will file suit against credit reporting agencies who fails to take consumer claims and immediately address them. Consumer will also seek remedy according to violations in continuing to report inaccurate and invalidated fraudulent information.
Product: Credit card or prepaid card

I applied for a credit card online, i was not sent a letter telling me i was denied. I called the company citi card cbna in XXXX XXXX sd. The auto service told me i was denied. XX/XX/XXXX I never got a letter. This is clearly discrimination and breaking of the laws 15 usc 1611, 15 usc 1640 and 1691e. I would just like to let you know this company has denied a consumer the right to extend my credit, which is clearly something they cant do.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent out disputes to the credit bureaus on XX/XX/2020 about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed a police report also filed an ftc report as well.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX XXXX XXXX  ) due to a report on my incorrect information on my credit report. XXXX confirmed the information was fixed and I was told a letter of deletion would be sent to the credit bureaus and the information would be corrected within 45 days. After 45 days, the information was still on my report. I disputed it, and it came back as identified as correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 credit cards with XXXX XXXX  that charged off. I settled the balance with XXXX XXXX  this summer 2020 and was told the balance would be deleted from my credit reports. Despite frequent phone calls to XXXX XXXX  where they have assured me they will correct the balance they have failed to do so. Last month they even reported an increase in the balance! This is ruining my credit score that Im working very hard on to improve. It is illegal that despite multiple requests to all 3 credit bureaus they continue to reply that the balance has been validated. I have the pay off documents that show the accounts have a XXXX  balance but I dont understand how the credit reporting agencies keep saying its verified ... how can the balance be verified if its truly a XXXX  balance but they are reporting balances on both accounts?
Product: Debt collection

Synerprise Consulting Services have contacted me regarding a debt that they claim I owe. I responded back with a certified letter stating that they need to either send me an original receipt or detailed documents containing the description in order for me to know for sure that this debt belongs to me. Repeatedly they send me back a simple response that they have verified the debt internally without proving me with further proof. I don't believe this debt belongs to me so if they are unable or unwilling to provide me with proof I believe that it is only fair for me to ask them to remove my debt from their account and to remove any negative reporting to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

According to FRCA section XXXX it is XXXX to report information on my credit report without my permission. Thank you, and please delete this off my report.
Product: Credit card or prepaid card

On XX/XX/2019 I tried to make an {$1100.00} withdrawal from an ATM using my Citibank card. I tried 3 times and was declined each time. I went to my truck and called Citibank and they asked me if I was authorizing the charge and I said yes. I then went back in and tried the ATM 2 more times and it was declined both times so I drove home. The next day I went to my bank to make a withdrawal and the ATM said I only have an available balance of {$6.00}. I then drove to XXXX XXXX and spoke to the supervisor. The supervisor pulled the transactions for the ATM that I tried to use the day before. She said that no money for the amount I was trying to withdrawal was dispensed from that machine. I asked her what I needed to do and she said I needed to file a grievance with the credit card because I hadn't received the money. I called Citibank to file a grievance and they said I needed to call the ATM company because it was a cash transaction. So I called the ATM company ( XXXX ) and they told me the same thing that no money for that amount was dispensed from that machine and I needed to file a grievance with my credit card company. I called Citibank back and filed my grievance. I was told I would see a credit within 24 to 72 hours while they investigated. They gave me an email and fax number to send my paperwork. I emailed and faxed everything I had from the ATM company. To this day I have not seen a credit. I have been told they will call me back and no one has called me. I have called Citibank multiple time and have been told there is an investigation.Then the next time I call they say there is no investigation. I even had a supervisor from XXXX call Citibank ( we were on a 3 way call ). We asked to speak to a supervisor and then explained the situation to him. She told Citibank that I never received any money. The supervisor at Citibank said that there was a pending investigation on the account. It has been a month and I have not heard from Citibank and they sent me my monthly statement that says I owe the money. I never received any money and thought this matter would be taken care of in a week at the most.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau but to my surprise, I did not receive anything back as a response. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1681b- Permissible purposes of consumer reports. There are information that is illegally reported on my credit report. I did not give written consent to report any of these accounts. Furthermore 15 U.S.C. 1681c-1 states that this is identity theft without my written consent.
Product: Credit card or prepaid card

My credit card account was closed several years ago and still has an outstanding balance. I've contacted the credit card company multiple times over the past few years in an attempt to pay the balance in full. The last time I called them, I was transferred more than 10 times and was on hold for a total of about 4 hours. Every time I've called I have been advised that they can not take my payment because the account has been charged off/sent to collections but they aren't sure if it has been sent to an outside collection agency and, if it has, they don't know who it was sent to. 

I am not disputing the amount that they are reporting on my credit report that I owe and I've been trying to pay this bill in full for several years but they continue to tell me that they can not process my payment. In the meantime, the account continues to report negatively on my credit report. 

I am willing to pay the balance in full but I believe the negative reporting to the credit bureaus should be removed since I have tried so many times to pay them and they will not/can not accept my payment. 

I am unable to provide an account number because there isn't an account number listed on my credit report. I have requested that they provide me with my account number every time I have contacted them and they say they can't give that information out over the phone.
Product: Credit card

A online site charged my capital one account way too much money so I did a dispute too get my money back but capital one denied my claim and made my account negative even more money .. now I dont have any money in there and cant use my account.. I cant afford too lose XXXX $
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The lists of accounts below has violated my federally protected consumer rights to privacy and confidentiallity under 1681.

15 USC 1681e ( b ) is a subchapter that requires consumer reporting agencies to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter1. It also requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer reports and to limit the furnishing of consumer reports to the purposes listed under section 1681. I Looked at my XXXX credit report and notice some things are incomplete and not accurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is in violation of multiple laws set forth by XXXX in regards to the following account ending # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Resurgent XXXX Services ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. Resurgent Capitol Services can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By XXXX, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. The reporting of this account as a debt is inaccurate. I never received a XXXX from Resurgent Capitol Services for the cancelled debt of { { {$1000.00} } } in order to file as ordinary income. Where is my XXXX XXXX XXXX XXXX XXXX clearly writing off debt with the IRS without XXXX out XXXX as required by the IRS for debts greater XXXX { { {$600.00} } }. This is unsatisfactory! Resurgent Capitol Services has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In Resurgent Capitol Services terms and conditions they agreed not to share my information with non affiliates. XXXX XXXX, and XXXX is not an affiliate of Resurgent Capitol Services nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Please delete this from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a personal loan and was turned down but received a phone call from Lexington law and they told me that they could pull my credit and find out why I keep getting turned down. They said it would be XXXXXXXX XXXX  and change and I said forget it. They convinced me that they could help with that information and after some persuading I agreed but I didn't have any money in the bank and I told them to take it out on the first of XXXX. As soon as I gave them my credit card number they read me a list of things. One of them was that it would be a recurring charge for the credit report which they never told me. Then they said that I was enrolled in their program for XXXXXXXX XXXX a month even though I am already working with a credit repair agency which I told them. The conversation got a little heated and I told them that I didn't agree to anything and I didn't want them to pull my credit. He replied I already have your credit card number and made it clear that he was going to use it. I got very angry and said a few things on my mind and hung up on him. I immediately called my bank and found out that they had already tried twice to withdraw money from my account and it was a different amount and I had told him I didn't have the money in the bank and they tried anyway. So I changed my credit card number but I keep getting emails from them implying that I agreed to their service. I sent them a message but they continue to email me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX Original Creditor : 12 XXXX ) XXXX, XXXX XXXX Original Creditor : 01 XXXX ) XXXX, XXXX  XXXX  XXXX and XXXX  XXXX  XXXX
Product: Credit card or prepaid card

A credit card was opened with Bank of America using my identity on XX/XX/2016, I tried to dispute with the credit company but the bank said the account belonged to me which I never opened.