23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Dear Sir/Madam, I am a long-time Chase credit card holder. I have 2 credit card accounts. I pay my bills on time and have no debt. 

My complaint is this : Chase is constantly asking me, via email, and on their website for me to share with them my personal income. ABSOLUTELY NOT. This is very private and personal information. Why on earth would I do this? 

This is clearly geared at targeting me/other customers for services. It fringes on privacy. I am XXXX. This is not right to prey on existing customers. Please make it stop. 

Thank you. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint with Truist Bank. I have tried to get my mortgage refinanced for over a year. The first complaint was Truist was resolved. The second complaint appears to be resolved but is still open. This complaint is regarding my credit report showing delinquent payments, late payments for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. I was in bankruptcy and payments were not made during that time XX/XX/XXXX- XX/XX/XXXX but it was removed because of Covid related issues. The bankruptcy was paid in XX/XX/XXXX at which time late fees were added to the mortgage. The mortgage was paid on time for months that it is showing late on my credit report. Truist states that these payments were put on past payments making them late for the XXXX 2021 months. Once again I am trying to refinance my mortgage to get my exhusband off the mortgage. Every complaint I file with Truist gets cleared up only to bring out another issue that was not on my statement or credit report prior to my trying to refinance. Truist is interfering in my moving forward and keeping my home.
Product: Mortgage

In 2022 we received the XXXX relief forgiveness on our homeloan for XXXX  year. Approx {$32000.00} We were told that it would be forgiven or atleast placed at end of loan. Our mortgage company said we qualified for rolling over loan to end of mortgage which would extend our loan. 

I found out by running my credit check that my loan was sold to another company without my permission or knowledge a few years ago. We have not received any correspondence from anyone regarding the sold loan. I then found out that the loan is XXXX % interest compared to my XXXX % interest. 

I am afraid I may be a victim of a zombie loan. Please help! 

Thank you!
Product: Debt collection

LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX XXXX the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my XXXX XXXX XXXX. Now that I contact this company about this alleged debt there is no response?? 


furthermore LVNV FUNDING LLC ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the recent XXXX data breach and identity theft. The following account, collection account and hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX {$170.00}, XXXX XXXX {$140.00}, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX
Product: Debt collection

I believe my ex may have been the person to open the account without my knowledge but I do not have any definitive proof ; just my suspicions. Those suspicions have been reported to the XXXX Police Department Cyber Crimes unit as I believe the account was opened online. The collection company contacted me in XXXX and stated there was a collection account in their office. At that time I advised the agent that is impossible as I haven't had T-Mobile phone service since I was employed with the company and expressly stated to the agent if there was an account that bore my name in collections in their office it needs to be investigated immediately for fraud because I have had service with XXXX for years now. The agent ended the call explaining that she would send it back to the company ( XXXX ) for proof or additional documents to be used to validate the account but it was not. However, it was placed on my credit report. After noticing collection on my credit report I immediately called the collection company ; not only could they not explain why this account was recorded on my credit report which is a direct violation of Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. 
The accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to ma all of the documents that you have recorded and retained in your file of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).
Product: Student loan

Ive called numerous times to XXXX XXXX. i pay {$50.00} for a loan from XXXX and XXXX universitys collectively. The loan together is a little over {$5000.00}. I pay on time every month but their interest rates are so high that my amount i started with is higher now then when i first received the loan. Then they expect me to pay more come XX/XX/XXXX and my loan isnt even getting lowered
Product: Debt collection

Was employed in XXXX from XX/XX/XXXX until XX/XX/XXXX. While I was employed in the XXXX of XXXX, my identity was used to open accounts. 
I have tried to clear up any confusion. I have written to the debt collector certified mail and the credit reporting agencies. 
On XXXX, it indicated removed but then it re-appeared. It is contradictory postings.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX/XXXX XXXX, account number XXXX ; 2. ) XXXX/XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) Bankruptcy, case number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Debt collection

I received a XXXX back in XXXX XXXX from XXXX XXXX XXXX. This machine was put down under my medical insurance. In order to pick-up the machine, I had to give a bank account number and routing number and I was told that if my insurance did not pay for the machine I could be automatically charged thousands of dollars. 

I have been in contact with XXXX very frequently to find out if payment had been made on my XXXX by my health insurance. Often times no one answers the telephone at XXXX and I frequently had to leave a voicemail, or my wife did who has also been in contact with XXXX. I repeated game of " phone tag '' has essentially been going on for many months. Whenever we have been able to get in contact with a XXXX representative, no one can verify any information about what my health insurance has paid on XXXX and if anything is left owing. 

I started receiving a bill a few months ago for the amount of approximately {$130.00} that had duplicate charges on the bill for the same type of equipment ( e.g. mask ). I have been making payments towards this bill every single month. This month ( XX/XX/XXXX ) whenever we logged in to make another payment on this account it said there was a " XXXX balance. '' I had left several messages about having duplicate charges on the bill that was previously viewable online/digitally. 

My wife called again and again had to leave a voice message because no one answers at XXXX typically just to indeed verify that nothing was owed and that the account was at a XXXX balance. My insurance company had initially told me that this XXXX would be covered at XXXX % so receiving any type of bill from XXXX needed to be explained, but now receiving a bill or viewing the account online was showing that nothing was owed. 

My wife and I called XXXX and left a message and someone returned our phone call and left a message stating that the account was at a XXXX balance and they were indeed going to verify with the insurance that the XXXX was paid at XXXX % and they would be getting back with me. 

This morning I received a bill from a debt collector on behalf of XXXX XXXX in the amount of {$68.00}. I have been in constant contact with XXXX and making payments on the bill that I was receiving every month even with the duplicate charges. Every time we call XXXX, no one has been able to verify what was owed on anything. I just spoke with someone XXXX days ago who told me nothing else was owed on the machine, but now I have a bill from a debt collector on behalf of XXXX.
Product: Debt collection

KLS FINANCIAL SERVICES Account Number XXXX Dear KLS FINANCIAL SERVICES, I am writing to dispute the debt collection notice I received from your company dated XX/XX/2023. According to the notice, I owe {$630.00} to XXXX XXXX However, I am disputing this debt for the following reason ( s ) : KLS FINANCIAL SERVICES is violating your consumer rights by using false misleading, misrepresentation and deceptive means. KLS FINANCIAL SERVICES has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was incarcerated at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of incarceration I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am victim of identity theft and XXXX XXXX  debt bondage and would like for all listed accounts to be BLOCK AND DELETED. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

To my surprise and frustration, I noticed inaccurate accounts on my credit report tonight. I thought refreshing my browser might fix it, but the accounts stayed the same. Im asking for a thorough review of the documents Ive sent so that I dont have to live with this anxiety anymore.
Product: Checking or savings account

On XX/XX/2022, capital one closed my account based on an accusation of one of my XXXX recipients claiming they did not send any payments to me, which they did. I wake up, I see my bank is locked and I call and try to explain everything and they literally did not care or even CONSIDER my word. I even offered them concrete PROOF that the person sent me money. They claim he is disputing the payments with his bank. I'm like how in the entire heck will I even have access to someone's bank and send money to myself on XXXX? Ridiculous. They then tell me they are closing my bank and I should get a check in 10-12 business days. I'm checking the mail, I realize I didn't even get any check yet and I call them today just to verify if it's sent yet and ask when was the check mailed out. The fraud team then tells me " A check has not been mailed out yet because we're still investigating if its fraud or not '' I'm furious and absolutely XXXX because not only did they lie and tell me my balance is going to be mailed to me after they claimed they are closing my account, they didn't even TELL me that my funds will be HELD! I am so disgusted with capital one, choosing someone's word against mine. The worst bank I've ever experienced in my entire life. The first time I tried to get this handled, the ladies I spoke to in the fraud department sounded very rude, standoffish, unprofessional, and not of any help over the phone, then asked me about payments I received from other people that weren't even disputed. Like why are you trying to solicit unnecessary information from me? The lady I spoke to today claims that they do not even know when I will get my money or when this insanely slow " fraud '' investigation will be over. I'm appalled. The email to my capital one account is XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I returned a phone call because Id received a strange message from a number indicated as XXXX where an XXXX claiming to be from XXXX XXXX was calling to inform me that theres a docket number XXXX however not regarding where, what for, why just Id only be given two attempts to resolve so of course I wanted to know what was going on. I became sick from my nerves because of this message seeing as theyd called after hours and left this voicemail Id figured it was something I was missing I called that number back where no one not one would fully confirm to what establishment I was calling to. 
They transferred me to a male where he basically was trying to get me to agree to pay a debt thats way past Statued of limitations/time barred saying its for XXXX XXXX XXXXXXXX XXXX 
I dispute this claim seeing as hes mentioning under Florida law theres no Statued of limitations on this debt where I question him since Ive only returned to Florida after 20 years and only been back to the state not even 2 years and I havent had any affiliation with XXXX  XXXX XXXX perhaps over a decade. He was telling me they were going to garnish my wages despite the fact that I disclosed Im disabled, on disability, not working and theres definitely a Statued of limitations here and he claims the case was opened in XXXX where again Ive not had ANY active account with them for a very long time so Hes talking over me, threats, trying to scare me and tries to say I knowingly wrote a bad check and I stopped him saying who writes checks anymore and again hes wrong this isnt a mediator this is a lying debt collector because all this is invalid. Hes reading me my social security number trying to get me to confirm my address here and old address trying to get me to pay or their coming for me and all of this is false. 
I know portfolio recovery services have been harassing me as well as Ive put in credit disputes indicating the same on Statued of limitations but its not been any XXXX XXXX XXXX on my reports so thats false information and scamming beside the fact these companies continue to harass me when Im not working, theres a Statued of limitations on them it has to be from XXXX any debts portfolio recovery wouldve purchased and with each dispute their marking it as new debt in my reports when it is NOT and I dont have ANY XXXX XXXX XXXXXXXX account in years years beside which Im income contingent, unemployed, disabled and their ruining my credit further Im trying to fix where not to XXXX XXXX XXXXXXXX or ANY old original debtor have I ever meaning NEVER have I given permission to sell my information to any third parties and all my secure information as in social security etc I want it to stop
Product: Debt collection

I've disputed this debt with this company. They fail to send proper validation along with their authority to collect required by the fdcpa. I have sent a letter and I recieved a statement that shows a balance owed. This statement can belong to anyone as far as I am concerned. The statement also deceptively shows my address and not the address that was with the creditor. I know that no billing statements were sent to me for a fact. Ive never owned an account with this company. This is a violation of under the fdcpa. Collection agencies are not allowed to send or withhold information to deceive or mislead consumers. They have also failed to disclose the previous creditors who have also owned the debt which is another violation under the fdcpa..I have not recieved anything that shows this account belongs to me for that matter. I have requested documentation and company refuses to provide it. Yet this invalidated information is still reporting on my credit report. That is also a violation of the fair credit reporting act. Providing the agencies with unverified and false information. This company is very deceptive in their practice and needs to be held accountable.
Product: Credit card or prepaid card

This is a problem that had repeated itself I buy books, he advertises {$69.00} but charges {$590.00} and he does not warn Also the website was rigged so you cant refresh or goback without being charged. 
They site is full of spyware and malware and they know it, there is no name o the website, also they found away to bribe Netspend into faking fraudulent transactions and helping them get away. The is against Louisiana laws Netspend Claim # XXXX phone XXXX I claim racism because if i was white or Spanish this wont happen alot XXXX Billing help XXXX they give no name and will not verify who was the investigator, and what proof do you have I got the order. Card ending XXXX is a duplicate fraud. This time change account numbers with new cards.
Product: Debt collection

I have reached out to all three credit companies regarding a collection Debt that is not mine. I have place a fraud freeze on my credit reports and I need this to be removed from credit reports.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Credit card

A XXXX package that was sent to my address ; it included my phone number. Upon opening it and the envelope inside, I realized that it was a credit card in someone else 's name. 

I went back and checked the XXXX envelope and the address on the paperwork and it was definitely my address/phone number. After doing some research I realized this was some type of fraud ; being concerned about how things could devolve, I thought it best to submit a report here.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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.