23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third XXXX  to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

I am writing to file a formal complaint against Resurgent/LVNV Funding for their ongoing violations of my consumer rights as outlined under federal law. 
Details of the Complaint : XXXX. Failure to Provide Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide specific validation information to the consumer. However, Resurgent/LVNV Funding has failed to provide me with any validation information regarding the alleged debt. Despite this failure, they have proceeded to place a collection on my consumer report.

2. Lack of Opportunity to Dispute the Account : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to an opportunity to dispute the debt. Resurgent/LVNV Funding has not given me this opportunity, which is a clear violation of my rights. This has left me without the necessary means to contest the validity of the alleged debt.

3. Use of False, Misleading, and Deceptive Means : Resurgent/LVNV Funding has employed false, misleading, and deceptive means in their attempts to collect the alleged debt. This is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from such unfair practices. 
XXXX. Unauthorized Reporting to Consumer Reporting Agencies : In accordance with 12 CFR 1006.34 ( c ) and 15 USC 1681s-2 ( 7 ) ( A ), a collection agency must provide all required disclosures before furnishing any account information to consumer reporting agencies. Resurgent/LVNV Funding has furnished information to consumer reporting agencies without providing the necessary disclosures, thereby violating these provisions.

Requested Action : I request that the CFPB investigate this matter and take appropriate action against Resurgent/LVNV Funding for their violations of federal law. I also request that any negative information placed on my consumer report by this agency be removed immediately until such time that they comply fully with the legal requirements to validate the debt and provide me the opportunity to dispute it. 

Personal Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX Phone Number : XXXX Email : XXXX Collection Agency Information : Resurgent /LVNV Funding Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX SC XXXX I have included copies of all relevant correspondence and documentation related to this matter for your reference. 
Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX PL XXXX, IL XXXX XXXX XXXX XXXX PL XXXX, IL XXXX XXXX OF XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$3300.00} 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am attaching the Original document from XXXX XXXX and XXXX which provides direct evidence that I was not in Foreclosure when Americas Servicing Company received my loan from XXXX. I was illegally placed in Foreclosure during the Housing Crisis and the issue was NOT RESOLVED PROPERLY BY WELLS FARGO HOME MORTGAGE.
Product: Debt collection

On XX/XX/2020 I sent a certified letter to Accelerated Receivables requesting validation of an alleged debt of {$960.00}. They received the certified letter on XX/XX/2020. They have failed to respond to my letter in a timely manner. Them failing to respond they have violated federal and state laws, but also have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account reported accurately. I also sent them a good will letter in attempt to resolve this matter. I have my credit reports from XXXX XXXX showing no update and no comment was added to show it in dispute and I also have one from today XX/XX/2020 the XXXX day showing no update to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX  XXXX Balance Owed : {$11000.00} : XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 



Closed Accounts : XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I entered into a 6 month payment agreent with this third party creditor. The last on time payment was XX/XX/XXXX. An automatic debit was set up for these payments to come out of my account monthly. There is still a balance showing on my credit report although the last payent was recieved by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX  UNAUTORIZED HARD INQUIRY REPORED. XX/XX/2021 XXXX  XXXX XXXX UNAUTHORIZED HARD INQUIRY.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX  Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/XXXX, I submitted an application for the Citi XXXX XXXX, but it was rejected due to my XXXX bankruptcy. Seeking assistance, I contacted an application advisor at XXXX. I explained that according to the Fair Credit Reporting Act ( FCRA ), banking institutions can not decline applications based on bankruptcy after 4 years from discharge. The advisor reviewed my credit report, acknowledging that my bankruptcy had been discharged for 4 years, and recommended I reapply after XX/XX/XXXX. They believed there was a good chance for approval since I had built credit post-bankruptcy. Following their guidance, I reapplied on XX/XX/XXXX, only to face the same rejection due to bankruptcy. Frustrated, I contacted another application advisor that same day. This advisor contradicted the previous information, stating that bankruptcy could still be a reason for denial for up to 7 years. I contested this, referring to the FCRA. I asked them to reevaluate my application, prompting them to escalate the matter to the ER department for review. They assured me of a response within 15 days.
Product: Mortgage

Hi my name is XXXX XXXX and I have been trying to obtain a loan modification for the last two years with NationStar Mortgage and have gotten the run around every time, i have been denied however I never know the reason. I do believe my Homeowners Bill of Rights have been violated and my lender is engaging in dual tracking with my property. Additionally I do believe i am the victim of predatory lending and XXXX discrimination. I have done everything with in my power to try to make my mortgage payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the countless letters I have been sending addresssed to the Cedit Reporting Agencies, they have failed to properly validate the disputed accounts and continued reporting these accounts which is a clear violation of the FCRA reguylation. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personbal information such as my Driver 's license last four digits of my SSN and ptoof of billing address to confirm my identity. However, upong further inspection of my Credit report, I came to a realization that the Credit Bureaus have became ignorant of theit duty to properly report information on a consumer 's Credit File. I am submitting this complaint to protect my rights which is clearly being violated by the Credit Reporting agencies. I need the following accounts corrected especially the accounts status and payment history of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX Please provide documentation that the Credit Bureaus description belong to my Credit report.
Product: Debt collection

XX/XX/2020 PAID XXXX After several times of contacting them the balance finally showed a XXXX recently XXXX showing as an open collection this has dropped my FICO 4 score 49 points making
Product: Mortgage

1. Frost Bank committed identity theft against us by opening an account using our identifying information without our permission. This is evident in the enclosed email correspondence in which I was accidentally included on by one of Frost Banks loan processors. The email was sent on XX/XX/2023, during a time when we were still determining if we wanted to move forward since our closing was scheduled on XX/XX/2023. According to the email, Frost bank had already opened a loan account and requested to be added as a loss payee on our flood insurance policy BEFORE a contract/credit agreement was signed. Frost Banks conduct violated the CFPA prohibition against abusive acts or practices because they took unreasonable advantage of our inability to protect our interests in selecting or using a product or service by opening a line of credit account without our knowledge and consent. 12 U.S.C. 5531 ( d ) and 5536 ( a ) ( 1 ) ( B ). My wife and I had not agreed to open an account without first reviewing the terms of the credit agreement. 

2. Frost Bank included an Authorization For Payoff ( enclosed ) in our closing documents for an auto loan with XXXX XXXX. We did not sign since we are not required to apply the proceeds from HELOC to an auto loan. The loan processor at Frost Bank stated we are required to use the HELOC to payoff the auto loan if we want to move forward with obtaining the HELOC. This is a violation according to Section 50 ( a ) ( 6 ) ( Q ) ( 1 ), Article XVI, of the Texas Constitution which states : LOANS DESCRIBED BY SECTION 50 ( a ) ( 6 ), ARTICLE XVI, OF THE TEXAS CONSTITUTION MUST : ( 1 ) NOT REQUIRE YOU TO APPLY THE PROCEEDS TO ANOTHER DEBT EXCEPT A DEBT THAT IS SECURED BY YOUR HOME OR OWED TO ANOTHER LENDER.
Product: Checking or savings account

I get paid on wednesday i contacted capital one to discuss when my check would enter my account and they had no answers for me. I contacted them friday and they still didnt have a answer for me
Product: Checking or savings account

I filed unauthorized transactions after I lost my card representatives are rude on the phone or dismissive when I ask for a provisional credit. I want this handled efficiently please.
Product: Checking or savings account

My bank says to fill out form for hardship circumstances and i never hear back. Unfortunately have to overdraw account at times live month to month on XXXX hard to find part time job with injury and Covid made it extremely more difficult. Thanks
Product: Bank account or service

Hello, I have filed a complaint with Wells Fargo on XXXX XXXX about my checking account.They told me they will answer me within 5 days and they never did. I have made multiple calls and none of them gave me a decent answer. What happened was that I got charged twice at the university for my tuition, so Wells Fargo refunded my money. The university for some reason gave me extra money on that matter, but I had to pay them back. On XXXX XXXX, XXXX University deposited {$410.00} in my checking account and that is the money I have to pay them back. It is included on my tuition and i have proofs. On XXXX XXXX, Wells Fargo took {$410.00} out of my checking account. I have filed a complaint and worked with a banker in town and have not solved the problem. I have reached out to the Vice-president of the Business Office of XXXX University regarding that matter. She told me she has contacted Wells Fargo and still has no answer. I am very upset with the situation and have tried everything I can. I have contacted the FDIC and they preferred me to you. 
I 'm looking forward to hearing from you. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I can be reached on my cell phone number, XXXX, at my email address, XXXX or mailing address, XXXX XXXX XXXX, XXXX, GA XXXX. 

On or around XX/XX/XXXX, funds from Georgia Department of Labor Unemployment were deposited onto the XXXX card regarding my unemployment owed to me since Covid pandemic in XXXX. The funds were loaded to the XXXX card, issued by Comerica Bank. Beginning on Thursday, XX/XX/XXXX, I have made at least 10 attempts to speak to customer service and there is no number for customer service. It states to contact customer service by calling XXXX or by mail at XXXX XXXX XXXX or visit XXXX. The telephone number and the website are not helpful when needing to speak to a person or to pay a bill. The option to pay a bill is not operable. 
No. 1 I can not reach a person at XXXX, the only number listed to contact the company who has your funds. I could only contact someone at the Collect telephone number XXXX. This is the only number that allows you to talk to a person. It is printed in very small writing on the back of the card. 
No. 2 -- The XXXX XXXX only has the XXXX  instructions on the website. 
No. 3I can not use the card to make XXXX XXXX. When trying to pay a bill, there is a message that states : Attention XXXX XXXX Users! XXXX XXXX XXXXs temporarily unavailable as we transition to a new provider. Check back soon for our new solution. It has been almost a week and there is no new solution.

No. 4 I was finally able to locate a Collect telephone number on the back of the card in very small print. I was informed by XXXX at Comerica ( XXXX Collect ) that the funds can not be transferred or wired to my personal bank account. So, I will only be able to get {$500.00} per day by using the XXXX XXXX, incurring fees. 
This unfair and misleading banking has made it difficult for consumers, like me, to make transactions that are desperately needed to access the funds. If the State of Georgias Labor Department had not banned my original bank, XXXX XXXX, I would have access to my funds and would have no problem transferring the funds to my local bank, XXXX XXXX XXXXk XXXX Their actions have caused my XXXX to become more frequent because I have a closing within a couple of days!
Product: Checking or savings account

I deposit my Treasury ss check into Chime. They HOLD my check XXXX full days before allowing me to use my funds. Even though the check is in deposit won't even allow me to buy groceries or pay bills! By the time I get my ck once monthly my bills are just about overdue and cupboards bare. I believe this is not in keeping with good banking standards. It's causing my bills to be late and having to borrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, Transunion breach and the XXXX XXXX, I need these to be removed.
Product: Money transfer, virtual currency, or money service

Hi, Sub : Fraud and unAuthorized transaction from Remitly Service I am usng Remitly service for money transfer for the past 3 years Recently on XX/XX/2020 XXXX Friday ) a new receipt was added and fraud transaction was initiated in my account with out any notification and alert message from Remitly. 
It seems internal person of Remitly has done this because no notification came to my email and I got email from Remitly when transaction was about to complete It clearly shows someone from remitly backend team did this by stopping alert to me.

Steps I followed : Trying to contact Remitly for this fraud transaction but due to corona virus issue ( their response is only thru chat n will take 1 hour to reach them ) I was able to connect with their customer support for fraud transaction. 

Remitly customer support said that to file dispute transaction with bank ( which I did ) from myside and they will investigate and come back to me or try for reversal of amount. 

Now after continue contacting them for update, I am getting no response from them and they have blocked me from chat and customer support with no explanation Note : I don't recognize new receipt added and bank details to which my amount was send. 
Eventhough Remitly knows its their fault and don't want to refund my amount ( 2900 $ ) Thanks & Regards, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 a request from XXXX XXXX ( XXXX ) was made I thought nothing of it because it was my cousin and she's really good at returning or sending money to. On XX/XX/XXXX I called XXXX XXXX and ask when was she going to return the money that I sent her like was stated in the request. She then told me that she never received any funds or sent a request now we are both totally puzzle to what's going on because if she did not get the money who did is the problem and who had access to her account where she had no clue about it. So she screenshot me her activity and I did the same and we were still totally shocked that this ever happen I also check my web receipt to come to find out that it was totally a scam from who I never met a day in my life or have phone conversations with how do they have the same cash app logo as XXXX  as picture ( XXXX XXXX ) I'm not sure if the scam came from XXXX XXXX or someone outside of cash app but this is ridiculous that this even happened. I contact XXXX XXXX on several different occasions and each time it was told that it was my fault and I should verify before sending any funds my question repeatedly to cash app is how can I verify any farther if this is the person if I'm unable to actually see the actual who's the actual request from until there's a web transaction I need help and I need my money back there's already a crisis going on and I've been laid off and all money needs to stay inside my home if I can help it.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am writing to bring to your attention a matter of utmost importance concerning identity theft and the actions ( or lack thereof ) taken by American Express in response to this incident. I kindly request your assistance in resolving this issue as it has had a significant and adverse impact on my financial well-being.
Product: Credit reporting or other personal consumer reports

Capital One Bank sold my account to XXXX XXXX XXXX ( XXXX ), and charged off the account. I then executed and settlement agreement to pay less than what was owed with XXXX, after satisfaction of the agreement, I sent the receipt to Capital One bank from XXXX. Capital One refuses to update me credit report to and outstanding balance of {$0.00} and will not communicate with me regarding this account. I have disputed this information with the credit reporting agencies and Capital One lies to the agencies and doers not honor my agreement. XXXX has removed their entry from my credit report, it is just Capital One who is providing incorrect information to the credit reporting bureaus.