23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I SPOKE WITH A XXXX XXXX XXXX IN THE COMPLIANCE DEPARTMENT ON XXXX/XXXX/16 AT LVNV FUNDING ABOUT OTHER DEBTS THAT THEY MAY HOLD PERTAINING TO ME. HE CONNECTED ME WITH THE LVNV FUNDING CUSTOMER SERVICE DEPARTMENT. THEY WHERE VARY HARD TO WORK WITH IN GETTING THE NEEDED INFORMATION TO CLEAR UP ANY AND ALL DEBTS THAT THEY MAY HOLD OF MINE. AFTER SPEAKING WITH XXXX SUPERVISORS, BEING HUNG UP ON, AS WELL AS SPEAKING WITH XXXX MORE REPRESENTATIVES I FINALLY GOT THE NEEDED INFORMATION. THE FIRST CREDITOR LISTED THEY NEVER DID GIVE ME THE NAME OF, AND REFUSED TO MAIL ME ANYTHING TO SHOW THE DEBT WAS OR IS ACTUALLY MINE. ACCOUNT # XXXX AND REFERENCE # XXXX. 

THE SECOND ACCOUNT XXXX ACCOUNT NUMBER XXXX REFERENCE # XXXX THEY REFUSED TO SEND ANYTHING THROUGH CUSTOMER SERVICE ON THAT ACCOUNT AS WELL. 

I 'M ON SSI AND HAVE BEEN FOR MANY YEARS, AND AM NOT SURE WHICH OF THESE ACCOUNTS WHERE MINE OR ARE MINE. 
AS WITH THE OTHER ACCOUNTS LVNV FUNDING HAVE DONE. THESE XXXX ACCOUNTS SHOULD BE CLOSED DUE TO HARDSHIP AS I HAVE XXXX TO XXXX XXXX A WEEK AN AM ON XXXX AS I STATED EARLIER IN THIS COMPLAINT.
Product: Credit reporting

CONVERGENT OUTSOURCING, INC. Has put an " open '' collections on my XXXX credit report. This is a OLD Collections account which was originally from XX/XX/XXXX and was and is a " REMOVED COLLECTION '' as of XX/XX/XXXX. 
XXXX XXXX XXXX {$530.00} this is the removal info on my credit report. now this company CONVERGENT OUTSOURCING, INC. has illegally changed the OPEN date on this same old account from XX/XX/XXXX to XX/XX/XXXX and last reported on XX/XX/XXXX. this is a debt buyer company and have SEVERAL Complaints against them.. they have " PARKED '' as they say this old Removed Collection account on my report. and its only showing on my XXXX report as I believe its harder to get items disputed removed. I just checked my full free credit report last week and this collection was not on there!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account number XXXX. This was paid in full by my self and my insurance copy and lapcorp settle this account closed they agreed to have this account completed removed from my credit. Report immediately all three that was 4 months ago. They have sent out letters to the credit collection. Company several times .. the copy keep responding they never received the letter,,, lapcorp can not send me the letter directly because it is an internal request,, .. XXXX contacted this company several times and they are refusing to remove this account completely from. My credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of last active and date of last payment is all declared inconstently. Also the two year payment history is messed up. A lot of CO remarks then suddenly after 19 COs from XXXX, 3 OKs appeared.
Product: Consumer Loan

I applied online for a Home Depot Home Improvement Project Loan in the amount of {$20000.00} on XX/XX/XXXX which was approved for {$10000.00}. At that time I accepted the loan and electronically acknowledged the loan approval and was provided a loan number with my loan approval amount. The system notification also stated that I could request an increase through the company 's XXXX number. On XX/XX/XXXX when I received my kitchen project final quote from Home Depot, I attempted to increase my loan to {$20000.00} but was told by the rep that an increase could not be approved but that the original approved amount of {$10000.00} would be available. On XX/XX/XXXX I presented the loan document and a cashier check for the project difference to the store and the loan was blocked. I spent over 90 minutes in the store at the register talking to the loan customer service department Account Supervisor who stated that the previously approved loan was loan was blocked for " income verification '' and that I would have to provide proof of income. The options offered were check stubs for the last thirty days and income statements. I am self employed and happened to have with me copies of XXXX checks paid to me by the consulting company that I work. I was told that those checks were unacceptable because they could not see any taxes being withheld from the payments, and that if I was self employed I would need to provide my XXXX or tax returns for XX/XX/XXXX. I asked the loan customer service rep repeatedly ( more than three times ) why I was approved for the loan but never informed that it was contingent upon " income verification '' until I came to the store to make a purchase, only to be denied credit at the time ( 5 days later ) of my purchase. I received no phone call, email or regular mail to notify me of this situation. Ironically, when I returned home from the store the home improvement project loan card had arrived via fedex to my home. The following day I had to provide copies of my tax returns to the loan customer service department, and only then was I granted access to the credit for which I was originally approved on XX/XX/XXXX. I still was not given a reason for the block on the original approval. I am deeply concern that there was no notification policy or real approval process for actually obtaining credit offered.
Product: Student loan

Received a call from Premier Student Loan Center saying they could defer my student loan payment totals and consolidate my loans. I think it is a scam because I tried calling to cancel and opt out, which I was told I could do at any time, and the people answering the phone would immediately hang up on me when I would ask to opt out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Reach out to All Three Credit Bureau to remove 2 debt paid and settle. 
XXXX and XXXX have deleted this two account from Credit Report. 
The problem is Experian I have properly forward them the Documents such as Receipt Driver license social etc to their disputed address. It's been 120 days me Constantly Reaching out to them to updated my account Status but they have not Done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my report I encountered a few mistakes on the report. 
These are accounts in question : XXXX XXXX Account type : XXXX  XXXX XXXX Account type : {$0.00} XXXX XXXX Account type : {$0.00} XXXX XXXX Account type : {$0.00} In accordance with the Fair Credit Reporting Act XXXX  Accounts number XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

15 U.S.C.1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

My vehicle was repossessed by Bridgecrest. Despite numerous attempts to contact their company for information regarding the repossession process and the necessary steps to redeem my vehicle, i was not provided with adequate guidance or assistance before my vehicle was sold in an auction. Which is a violation of my consumer rights and legal obligations. After my vehicle was sold illegally, i received an inaccurate and incomplete deficiency report. Missing pertinent information. The lack of transparency and failure to adhere to regulatory requirements is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX  ACCOUNT BELOW HAVE VIOLATED MY RIGHTS. 

XXXXXXXX XXXX XXXX REPORTED ON XX/XX/XXXX {$140.00} XXXX XXXX REPORTED ON XX/XX/XXXX {$100.00} XXXX XXXX XXXX  REPORTED ON XXXX XXXX, XXXX {$930.00} XXXX  XXXX XXXX  REPORTED ON XXXX XXXX, XXXX {$210.00} XXXX XXXX REPORTED ON XXXX. XXXX, XXXX {$1300.00} 15 U.S.C 1681 SECTION 6O2 A. STATES I HAVE THE PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Mortgage company is illegally charging me tax fees for my home in XXXX XXXX XXXX  and is, once again, refusing to return the money they have illegally taken from my bank account!!! 
They did the same thing earlier this year and refused to do anything to resolve their mistake until I filed a complaint with the CFPB. 
This company has just recently settled a multi-million dollar lawsuit for charging people unnecessary fees. HOW IS A COMPANY LIKE THIS ALLOWED TO OVERSEE XXXX XXXX XXXX!!!!!!! 

PLEASE REFER TO THE PREVIOUS COMPLAINT I FILED ABOUT THIS COMPANY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX. This has been reported by a third party company and not by the United States Bankruptcy Court in XXXX. An attached document has been provided by the United States Courts Bankruptcy Court in XXXXXXXX XXXX for me for my complaint. 

15 U.S.C. Section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I filed for XXXX  XXXX bankruptcy almost 2 years ago. All of my unsecured credit accounts were closed at that time after they received letters from my attorney. There are no remarks placed by my individual accounts helping to increase my score soaring them as satisfied and our closed. The remarks can help raise my credit score just the XXXX did which raised my score by XXXX points.
Product: Credit card or prepaid card

I have been with Citi Financial since XX/XX/XXXX. I've had one credit card ( 2 accounts ) and have never had a payment go 30 days late in the 10 years I have had an account with them. Never! XX/XX/XXXX I received a notification that Citi Financial was decreasing my credit limit by XXXX  XXXX from {$19000.00} to {$8000.00}! First, any company that would reduce an on-time loyal customer by {$11000.00} is just bad business! Secondly, my balance with Citi at the time was {$7800.00}. Because of this abrupt and unwarranted decrease, it has also caused my credit scores to drop by almost XXXX points because my utilization instantly increased to 95 %! Have I made payments after the due date? Yes! Have I ever went 30 days late? No! Have I ever been negligent in paying Citi financial? No! Even when I went through a temporary hardship, I called and asked for help. Asked for a pay deferral! They advised they couldn't help! So because I valued the relationship and my credit history, I still paid them on time even when it was a sacrifice to me! But for them to drop my credit limit by {$11000.00}. This is unfair and unethical! It is also an unfair practice under XXXX and XXXX XXXX! It's unfair and deceptive! And to also do this without warning adds to the issue.
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 not only neglected to protect consumers but also has allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety!
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Note : There is no account in collections/judgement/credit reporting on my credit report and most importantly record is not available as it should be online when searching for court cases  (  judgment ). I was never notified about any debts, or aware of any debts, even to this day.  <P/> I initially was garnished in  XXXX  of  XXXX . The Creditor is  Valley Empire  Collections in  XXXX , WA. The garnishment reflecting on my paycheck was the initial notice about this debt. I found out that there was an alleged debt  XXXX  transpiring from  XXXX   XXXX   ( who clos ed  XXXX  ). Due to the age of the account I could not even recall the debt in addition there was no communication received from the agency or  XXXX . I was disappointed to find out that I would be garnished for a debt i do not recall, or be charged for allegedly terminating a contract when actually the company shut down.I have not been billed for, and for a company that closed in  XXXX . In all of my ( and famil y )  communications with the agency since  XXXX   XXXX   (  maybe  4/5  calls ) they have failed to advise that they were a debt collector or the mini/recorded miranda, so i can not confirm if calls were recorded. I have yet to receive any validation of debt and the agents seems irritated or not wanting to help when requested. It is my understanding that though i am being garnished 11 years after the agency retained the account that somehow i can be still be garnished due to an apparent judgment for it almo st 10 years old.  It is wrong to let an account sit like that with no communication/consumer knowledge, let it build interest maybe 80 % more than the initial balance and then decide they can garnish the consumer. I thought the FDCPA/FTC laws were here for the consumer. Waiting 10 years not only complicates the balance as it accrues interest but it contradicts the statue of limitations and that is the biggest failure, having laws to protect consumers that in this case ca n't apply per the agency. I would like this complaint to include the agency as well as the FTC as i feel these laws are more so here to protect the debt  collectors  versus the consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, 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. 

The following have violated my rights ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 602A-States that I have a right to privacy 15 USC 1681 SECTION 604A - It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) - States no consumer reporting agency may make a consumer report containing any of the following items of information ; any adverse items of information other than records of convictions for crimes which antedates the report of more than seven years 15 USC 1681 s-2 ( A ) ( 1 ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

When I called Alliant CU about my bill pay and wire transfer. I got a run around, 1st I was told a false reason why my bill pay would not work then the agent spent 40 minutes finding out it was not the false reason she had made up. During this time I could not find out the issue with my account which was not associated with what she was doing. She repeatedly insulted my XXXX even after I asked her to stop saying things that were triggering my XXXX. She refused and kept putting me on hold when I asked her not to. She put me on hold for 20 minutes stretches and on the final one came back and told me she was instructed to hang up on me. I asked about my wire transfer and she said she was hanging up on me. I now do not know if my money is being transferred as I requested or not. I have asked the XXXX to accommodate my XXXX with effective communication for me but thus far the XXXX has not accommodated my XXXX.
Product: Credit reporting or other personal consumer reports

On late XXXX or XXXX I notices someone opened a XXXX credit card under my name! I immediately called the bank submitting a dispute and complain explaining that this card was opened fraudulently and that it was not mine. They said that I shouldnt be a problem, they were going to investigate and that resolution will be communicated to me. I never received this information and 3 days ago I see my credit report losing XXXX points and they reporting the card is delinquent etc. I called the bank and aparently they denied the dispute and say I am responsible of this debt and that the investigation was closed and they cant do anything. If I wanted to submit a dispute with you than do it but they had nothing else to do.
Product: Debt collection

Recently on XX/XX/year> an individual claiming to be a representative of LVNV Funding LLC came to my place of residence and has been harassing me through phone calls. The individual came back again on XX/XX/year> both times at night and they were banging on my door ; additionally, they left me threatening voice message about knowing what car and vehicle I drive. I have never spoken directly to someone at LVNV Funding LLC nor have I signed a contract with anyone from this company ; moreover, this individual is harassing my family and they are afraid someone is going to keep coming to my home. This needs to be addressed immediately or I will have to file a complaint with my local police department about these horrific actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never consented for XXXX XXXX XXXXXXXX  to pull my credit report in 2023
Product: Debt collection

I left North Carolina after my lease was done. I paid all my electric dues and gas company XXXX keeps telling I owe them money since I did not close the account. I asked them before I left that I will pay my last bill which I did. I left the country and came back they said I was not home to be there at my apartment so they did a soft close. It was not my problem anymore I called the apartment building and said to them XXXX XXXX was trying to close the account this was my second time letting them know I am no longer there my lease is done and I left the country. Now they keep sending me email that I owe this {$10.00} for the month I was not even residing in XXXX. After I asked them to fix this they still did not do anything. I paid all my utility bill up to date when I was living there in XXXX. I do not think this is my fault nor I was not there living for those days in XXXX. They still ask me to pay after I already paid and asked them my final bill after I left the country.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was given an option to pay off the extensive loan that I was trapped into. XXXX XXXX XXXX  colluded with XXXX XXXX of XXXX XXXX, TX to defraud me into buying a car that was almost XXXX times the worth. I attached the Settlement offer that XXXX company I came into agreement so that I could be done with this fraud against me. I paid a total of {$1400.00} to end this fraud perpetrated against me due to me not having knowledge of buying a car. They took total advantage of me. I have included the total contract. They electronically signed my name and I was not aware of how much this car was until I received the contract in the mail XXXX weeks after having the car. I did not have a XXXX paper in the window of the car or nor was it produced to me. I was taken advantaged of and want the CPFB to look into this contract also. 
I am complaining that XXXX XXXX XXXX allowed this incorrect and inaccurated information to be projected on my credit report erroneously thereby causing me harm, financial hardship, and credit denial. I tried to get XXXX to accurately reflect that my account was correct, From XX/XX/2023 to present reporting of this fradulent reporting, they are still reflecting a negative and erronous amount on my report. I am asking that the CFPB send this complaint to the appropriate entity that will help me with taking the next step so that I can be compensated for XXXX XXXX blatent false reporting of negative items on my report that caused me and my family harm. My credit score suffered due to this erronous reporting of inaccurate information that harmed me per failure due to a violation of the Fair Credit Reporting Act ( 15 U.S.C. state statute 1681 g ). 
I want XXXX to take all late payments off my credit report due to a Pandemic that kept me and other Americans from going to work due to Covid-19 Pandemic. I have always paid the exuberant fees that I was defraud of. I want a legal entitiy to levy penalties against XXXX for misrepresenting the facts on my personal credit reports and I want them to reimburse me the maximum amount of penalties and fees that could be levied against a company that repa consort false and inaccurate information on a consumers 's report. 
I want an investigation on why they kept reporting harmful, inaccurate, and misleading informaiton on my credit report. I want to know why they did not correct my report in XX/XX/2023. I have been harmed financially, personally, and mentally.
Product: Checking or savings account

I was perpetually charged for ATM fees, overdraft charges and other misc charges keeping my account in the negative until I ended up loosing my house
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized card user on 2 individuals Kohl 's account. I requested to be removed as an authorized card user ; however, for some reason the accounts are still being reported in my credit bureau reporting.