23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The original creditor discharged the debt receiving a tax credit. A 1099c has repeatedly been requested. The sale of this account was illegal as LVNV FUNDING and I have no legal contracts and Ive given no authorization for the sale of my information. LVNV FUNDING has been notified on multiple accounts of this and they continue to harass via text, phone and email after being told to cease and desist. They are not legally authorized by me for this account.
Product: Credit card

On XX/XX/2024, I requested to close my Truist credit card account, ending XXXX. This was done via phone and the representative confirmed the card account would be closed and the annual fee of {$190.00} assessed on XX/XX/2024 would be refunded. 

On XX/XX/2024, an interest charge was assessed on my account- the only amount outstanding at that time was the {$190.00} annual fee, which was supposed to be refunded. 

On XX/XX/2024, a {$29.00} late payment fee was assessed on my account. As a result, my credit report will be impacted, for a closure that was failed to be processed correctly by Truist. 

Truist is failing to properly close credit card accounts, failing to properly refund annual fees, and failing to inform its customers of the deficiency of their closure process. Truist is acting in a reckless and illegal manner by doing so, causing harm to clients in the way of excessive, undue fees, and incorrect credit bureau reporting.
Product: Debt collection

This account is being reflected as reporting to Credit Bureaus with inaccurate information by National Credit Bureaus. They are reflecting and amount owed does not match the account statement provided to me from a representative from XXXX XXXX XXXX XXXX the original owner of the debt. The balance they are reporting to credit bureau is {$2900.00}. Per the attached fee bill from the property the total balance owed is {$2800.00}. Credit reporting agencies are legally obligated to correct or delete inaccurate information. Also, as evidenced by the attached date on the e-mail received from the original owner I was never notified of the debt or given an opportunity to pay the debt to the property by receiving notification or contact from the property until XXXX XXXX almost a year after moving from the property. As the final account statement will show I moved from the property originally on XX/XX/XXXX. I should have received confirmation or notification of the debt within 30 days after the original move-out date from the property. Also the final account statement from the property is inaccurate and reflects charges not owed to the property by me for cleaning fees and damage to a tub in the master bedroom. Please see attached e-mail I have sent to the property to dispute charges as listed on the final account statement.
Product: Checking or savings account

Had fees from a credit union account was closed for insufficient funds my account was sold to third party and my wages were garnish five years later.is there not a statute of limitations XXXX XXXX XXXX received judgment or Simpson law firm collecting agency in XXXX Mississippi on XXXX XXXX but my job wasnt located until XX/XX/2020 why was I still garnish after 5 years? Because of Covid I asked if I could make arrangements because of reduced wages but they said no I want my money back and something done about this company. My hours are not much and Im still being garnishment to this day its sad
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I opened an account with XXXX XXXXXXXX XXXX and submitted paperwork that I earn money and that I dont have monthly only taking out as I can and I made my payments and then I was late I spoke to them and tried making partial payment and they did not let me so I had to wait till I can make the payment and it became even latter and now they have on my report that I was 60 90 days late which is not true I spoke to the company in XXXX and asked them if I was ever 90 days late they said no and they will fix it the report and as a curtsy they will request to have the late removed and as I am looking they still have not posted it and or removed the late as I was promised
Product: Debt collection

My  XXXX   XXXX   XXXX  son died on  XXXX  's  XXXX  last year.  Phoenix Financial LLC Keep s calling my personal cell phone to collect a debt that my dead son owes. I have repeatedly asked them to stop calling me, that  XXXX  is dead and it is extreamly upsetting to be reminded of his death every time they call. Also, when they call asking for him, I ask who they are and they wo n't tell me, but it 's the same number every time. I had to call back after they kept hanging up on me after inquiring their information. I finally got their name and address.   This is not my bill. My son was  XXXX   XXXX   XXXX  and had   XXXX   XXXX  . He had many financial problems due to his  XXXX . He died at home on hospice in my arms. I suffer from  XXXX  because of his traumatic death.   Please, please make them stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX-XX/XX/XXXXof this year, an account from XXXX XXXX appeared on my Credit Report saying I am a co-signer on a Business Loan for XXXX XXXX XXXX. This Business is non existent. I am not affiliated with this company. I reached out to XXXX XXXX to get further information about this debt to see loan documents/and or Validation to see why this suddenly appeared on my credit. I have never made any payments to this company, but someone has been who I do not know. XXXX XXXX refuse to give me information and referred me to speak to XXXX XXXX XXXX, a debt collection company. I reached out to them, and they can not validate the debt either, or give me information pertaining to the loan. I am a victim of fraud and I need this removed from my credit immediately.
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 XXXX : XXXX XXXX Account XXXX has violated my rights. Or a 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.
Product: Checking or savings account

fraudulant/scam activity through wire transfers without my acklowdgement.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Act # XXXX with XXXX  has been settled no balance due. Credit report needs to be updated and its not getting updated with agencys.
Product: Mortgage

I applied for edge home finance on XX/XX/year> my loan officer XXXX XXXX told me over a text that I wouldn't be approved due to my credit. I thanked him for his services and told him I would try to find another company to get financing he then stated in a text that he bet me XXXX that no one will approve me due to the condition to my credit. I was able to get approved by XXXX XXXX XXXX XXXX I closed on my new home XX/XX/year>. I contacted Edge Home Finance twice and I was told someone would be calling me to discuss my issue and I haven't heard from anyone.
Product: Credit reporting or other personal consumer reports

I requested information to be sent to me because I did not make some of those charges and I think I have a case of identity theft. Submitted letters and I never received a response. My information was also exposed in the data breach.
Product: Credit card

CAPITAL ONE, you furnished alleged transaction on my XXXX, XXXX, XXXX that you identified as late.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXR - XXXX
Product: Credit reporting or other personal consumer reports

Inquiries from multiple companies that I didnt authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX XXXX. XXXXXXXX XXXX  Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX FILES TO BE TAKEN OFF MY CREDIT REPORT NEGATIVE CHARGED OFF ACCOUNTS XXXX XXXX XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

In XX/XX/XXXX I filed a complaint with the CFPB against chase. They falsely provided statements that were not complete after an unwarranted account closure. I am formally requesting that any and all financial statement from XXXX XXXX be provided immediately. What was provided is not complete and online access to these statements has been denied by the website. Chase is trying to limit liability when it knows this account was not fairly closed without consumer warning or notification in any capacity. Furthermore I need to now begin a dispute process for several transactions in those date ranges as I have discovered fraudulent activity currently being investigated by the state of California against the XXXX XXXX XXXX XXXX and XXXX starting with the transaction on XX/XX/XXXX for {$5600.00} dollars.
Product: Debt collection

I requested that this company send me a wet signature of this debt. I also disputed it I said I never signed a contract for this debt please send me contract with a wet signature of this debt and this was remove from my credit report. The account has been illegally reaged to XX/XX/XXXX24 please remove forFCRA violation. And also asked for verification for this debt. They didnt provide me with any documents just a bill and collections on my report for {$10000.00}. Also they called me multiple times for this debt. I had to change my phone number because they were calling me all the time harassing me. They also removed this off my credit report between XX/XX/XXXX, 2024- XX/XX/XXXX2024 and recently added it back months later
Product: Money transfer, virtual currency, or money service

So we get a A phone calls saying my nephew is in jail and his bond was {$6300.00} and they needed 10 % they put a person on the phone who was crying and it did kind of sound like my nephew so of course were in a panic him his name was XXXX XXXX that was the lawyer that called and he said since the court was closing and during the pandemic we cant go in so he gave us a name for XXXX XXXX who is a XXXX agent who is in charge of all of expunging records like a program once its completed and he told us to go to a PNC Bank XXXX XXXX XXXX. and we get there he gives us a one time access code I had to do it three times because you can only do so much at once we put {$6300.00} in after that I would say within 30 minutes we started to realize it was a scam I reported it to the police I reported it to the bank right away the bank did nothing told me they couldnt freeze the account until further notice so this money is probably gone their exact words was its a he said she said issue and the detective would have to subpoena everything and I would have to hire a lawyer I have bank receipts and you can see me on the ATM it also gave me an email when I did it which was XXXX XXXX the officer was XXXX XXXX case number XXXX the ATM is XXXX XXXX PM and its called a card free ATM access. Im surprised at the bank said they sent it to the escalation department but didnt do anything to this other persons account they didnt freeze it they didnt put it on a hold they just let the funds go because I am not personally a PNC customer my XXXX is and because of that its making it harder according to them I am frustrated with how the whole system is with the Police Department FBI department and the banking department there should be more things put in place to protect people
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Thanks for this opportunity. I have paid the balances on my credit cards but it's still showing the previous balance thereby causing damage to my credit history. The purpose of paying off my debts is to have a good credit scores and that's not happening. 

Please, help me out. 

Thanks XXXX XXXX XXXX
Product: Student loan

I was trying to get the loan forgiveness from fed loan I paid them and they lost their contract. I went to XXXX XXXX where they got all this money but closed down. So Im paying for nothing. Im under poverty. And under 15USC 1666b. They need to remove payment. This was in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX XXXX advising of the identity theft. I requested all documentation/media to validate the debt. However, the XXXX XXXX has not provided any executed contracts and documentation to validate the debt and the status of the debt : Provide ALL documentation related to the sale/purchase of said vehicle. 
Provide ALL signed ( fully executed ) contracts/agreements. 
Provide ALL ledgers to include charges and fees associated with the account. 
Provide ALL copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
Provide proof car was sold. 
Provide proof of deficiency balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing an account as open when it was paid and it should be marked as closed. They also have a ridiculous security question It is when was the last time you asked for a credit report or when was the last time you filed a dispute with equifax. So i was forced to mail them a letter even though i answered all the other questions correctly and they clearly knew i am who i say i am.so i was forced to put my identity at risk by mailing them a copy of my drivers license and social security number through the mail because i simply didnt know the last time i filed a dispute with them. Anyway i want the account on my credit report to be marked closed as it has been paid or i would like it deleted.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.|
Product: Credit reporting, credit repair services, or other personal consumer reports

this company accessed my credit with no permissible purpose and without my written or verbal consent. The credit bureaus refuse to remove it and state that I must contact the creditor. This is not a case of ID theft or Fraud. This is simply a case where XXXX accessed my credit file without my written or verbal permission or the credit bureau reporting a soft pull as a hard pull. Either way it must be removed per the law as no permissible purpose exists and never has. I need this inquiry removed immediately. Account name XXXX Date of request XX/XX/2017 Comments per the bureau : Unspecified inquiry ( NO PERMISSIBLE PURPOSE )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX issues in Colorado XXXX XXXX, XXXX XXXX, handled my account, I ran up a bill totaling around XXXX and could not pay it on time because I was hurt somehow in the Town of XXXX and XXXX to leave. 
Ended up changing address this happened in XXXX. 
XXXX XXXX could not reach me and by the time they did it had already gone to collections. We tried to settle but they gave us a very hard time. 
I also had Issues with Bank of America and XXXX with a girl named XXXX XXXX from XXXX XXXX XXXX Florida. 
XXXX XXXX who works for the XXXX XXXX XXXX in NY. may also be involved in something. XXXX XXXX of Bank of America might know something t
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. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX XXXX
Product: Debt collection

Southwest Credit Systems , LP appeared on all three of my credit reports on or around XX/XX/2022 stating I owe XXXX {$770.00}. Before this time Southwest Credit Systems , LP did not send any sort of communications about the debt prior to reporting on my credit. Southwest Credit Systems , LP has not provided any proof that I own the debt. Both are Fair Debt Collection Practices Act ( FDCPA ) violations. Even after disputing and providing copies that XXXX balances were paid directly to XXXX, Southwest Credit Systems , LP continues to update incorrect information on my credit report which has caused me XXXX XXXX and harm as we were in the middle of purchasing a home which has now been paused due to Southwest Credit Systems , LP XXXX Only after filing a XXXX XXXX XXXX complaint on XX/XX/2022 XXXX sent copies of XXXX  statements to my home address. After examination, the debt did not belong to me, but instead it was a from a dissolved company that did not have personal guarantee agreement with XXXX XXXX has confirmed debt directly to them, but Southwest Credit Systems , LP continues to report false information. 

Again Southwest Credit Systems , LP has violated several FDCPA laws by not allowing me the opportunity to validate and dispute debt prior to placing debt on my credit report.
Product: Debt collection

They continue to deleted and re add debt every few months. It was taken off and now they put back with a new date as if the debt just started today. They even share with other collectors and double report the item. I have listed the deletion from the past. Today it resurfaced. I am in a home purchase currently please help. 

XXXXXX/XX/XXXX removedXXXX XXXX $ XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX CHECKING ACCOU ( they sold and readded today ) {$1200.00} XXXXXX/XX/XXXX removed dateXXXX XXXX XXXX XXXX XXXX XXXX $ XXXXXXXX Removed dated but today the reaaded and changed collectors name. 

XXXXXXXX {$790.00}
Product: Debt collection

My apartment complex has suggested we pay rent through an app called flex, payment was made on XX/XX/year> to my complex received confirmation. On XX/XX/year> my apartment complex left a 5 day notice of no payment I immediately called them and XXXX stated he will have manager XXXX fix the ledger and XXXX would call me within XXXX minutes and that never happened. I have called multiple times they never answer the phones and when they answer its always the same response she will call me in XXXX minutes. I emailed rpm living 2 times called them as well I also emailed property manager 3 times and no resolution, they are purposely trying to have me be behind so they can make more money on fees and have me evicted. I also made several requests to have work orders done and they falsified saying work was complete. I dont owe anything and today is XX/XX/XXXX and Im blocked from making payments.. I have called every single day sometimes they dont pick up I work and dont have time to physically go in office but now I will have to take time off to speak with them, they are purposely trying to default me which isnt fair
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below :
Product: Debt collection

I do not know this company nor do h own them anything. this company has violated it several State and Federal Laws and causing harm to my life with false and damaging information. they can not and have not validated the fraudulent debt but put negative and misleading information on my report they have Placed for collection an account that does not belong to me Creditor Name : LVNV FUNDING Creditor Contact C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 's arent allowing me to freeze, lock, or View my credit. XXXX is not updating any information to view. Status is internal lock. Transunion will not allow me to enter my account without forcing a membership. Please help Fix the issue please