23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company continues to harass me, Calvary portfolio and XXXX  regarding a debt that is not mine. The cards were opened by an ex with an affair, not paid from any of my personal accounts and no record of discussion with anyone regarding debts that are not mine. This is not my debt. Know nothing about the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting on my credit report daily because XXXX getting notifications of it. Being done by the same company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I'm currently in the market to purchase a home and before I actually start the process I wonted to review my credit report. After carefully reviewing it I notice a couple of items that are not mine and I have no idea where they came from. Its kinda of scary that something like this can happen. These items are not mine and I have no idea how this happened but these items need to be removed from my credit report. I have contact the FTC and my local police. Im doing this on my own behalf. XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. XXXX. XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Debt collection

This company has failed to provide documentation that has my signature that I owe this debt to them. They sent a letter stating they deny any discrepencies. Please help me resolve this matter. 
I've included 2 letters that I've sent requestion that Portfolio verify the information they have regarding the claimed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I banked with FirsrBank a few years ago and had fraudulent over drafting on my checking account via XXXX - I submitted a fraud request and was never given the approval or able to work with somebody regarding this. Years later it is still marked as Account Abuse on XXXX and I would really like to get this resolved & removed from there.
Product: Debt collection

This account was PAID ( XXXX on my taxes by original creditor ). 
This account should NOT be reporting on my Credit Reports by a Debt Collector as this debt has already been satisfied.
Product: Debt collection

Was called by ARA Inc and was told I owed them over {$3000.00} from a XXXX XXXX XXXX account. I informed them this was an unvalidated and very old debt, past the statutes of limitations. I was told that was this was an unsecured loan and that they we 're not a 3rd party, but the current owner of the debt, so statute of limitations did not apply, and I would need an attorney to get this stopped. I informed them, if I needed an attorney, they would be paying the attorney 's fees.This conversation was on XXXX/XXXX/XXXX, the phone # was XXXX XXXX XXXX. They hung up on me, I called them, and was told not to call them back, and they hung up on me again. Today I received my first letter from them, dated XXXX/XXXX/XXXX stating I owed them {$3600.00}, due in full. This is after being informed not to contact me again, as this was an unvalidated and out of limitations debt.
Product: Student loan

I was contacted by a debt collector in XX/XX/2016. I made an offer to repay loan. The representative told me he would submit my offer and get back to me. A week went by and I got no response so I called him back left a message. Waited another week called left another voicemail still no response. I was served with court proceedings regarding this student loan. I have been in negotiations with them. I made another offer to repay the loan. The same representative called me back and said the company wanted {$50.00} more a month than my offer. I explained I can not afford this at the moment. Once I pay some other debt off I could make higher payments. He wanted me to submit my personal checking info to his company. I do n't feel comfortable doing this. I would like to work with them but {$150.00} a month is all I can send at this time. He said this will not work unless I give my personal checking info.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX and Experian for their refusal to remove inaccurate and unauthorized information from my consumer report despite multiple attempts to dispute these errors. These actions have caused significant harm to me, including the denial of credit, and I am seeking compensation under the Fair Credit Reporting Act ( FCRA ). 

The information in question is inaccurate and was never authorized by me. I have initiated disputes with both XXXX and Experian, yet despite my efforts, neither agency has provided me with the required debt verification letters or removed the erroneous information. According to the FCRA, specifically Section 1681i ( a ), I am entitled to dispute inaccurate information on my credit report, and the agencies are obligated to conduct a reasonable investigation and correct or remove any information that can not be verified as accurate. 

Despite providing all relevant documentation to both agencies, neither XXXX nor Experian has verified the debt or offered sufficient proof that the information they are reporting is accurate. Both agencies have failed to send the debt verification letters within the timeframes required by law. As stipulated under Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, if the information can not be verified within 30 days, it must be removed from my consumer report.

Furthermore, these actions have had a severe negative impact on my financial well-being. I have been denied credit on multiple occasions due to the presence of this inaccurate information on my consumer reports. This has caused both financial distress and emotional harm, as I am being unfairly penalized for inaccuracies that I have disputed in good faith. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate the actions of XXXX and Experian, enforce the provisions of the FCRA, and ensure that these inaccuracies are corrected and removed from my reports. I also request that I be compensated for the damages I have incurred as a result of their failure to adhere to the requirements set forth by the FCRA Section 1681 ( n ) & 1681 ( o ) Please let me know if any additional information is needed for this complaint. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Requested verification of debt from both the credit bureaus and the original creditor and did not receive any information or reply back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to my previous complaint on this platform dated XXXX  to ensure that the following items are deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year> I read an email from XXXX saying my credit received a hard inquiry from a credit card account I did not sign up for. this came from Experian. I tried logging into Experian to file a dispute or fraud claim and could not remember my password. though it said I'd used the email before, I tried entering my phone number and it didn't match their record. I tried my house phone and that didn't match either. I clicked forgot username, entered my DOB and social, and an email was sent to an address that IS NOT MINE. I tried calling Experian and had an extremely difficult time figuring out how to talk to a live agent, and hours later, even after taking to multiple agents, I still don't have my account back. the email, phone number and even possibly the security question have all changed. Experian says they elevated the claim but I still have not received an email or call from them.
Product: Debt collection

Today, XX/XX/2023, I received an alert from XXXX that my XXXX XXXX had changed. After receiving this report, I investigated this matter further and found that my XXXX XXXX had dropped XXXX points. In addition, I found on my credit report that LVNV FUNDING LLC had flagged an account for Collections on XX/XX/2023. I was totally unaware of who this company was, as I have not received ANY communication from LVNV Funding, XXXX whatsoever, prior to today. The account name XXXX provided upon their website when I considered filing a dispute was " RESURGENT/LVNV FUNDING ''. From my research, LNVN is owned by XXXX XXXX XXXX, XXXX. 

Upon researching the Consumer Financial Protection Bureau ( CFPB ) web site, it came to my attention that before a debt collection agency can report to a credit bureau, the company must, and I quote from your web site " The XXXX debt collection rule requires debt XXXX to take certain steps before reporting a debt to a credit reporting company. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company, provided they follow other laws about credit reporting. '' I have NOT received any validation notice from LVNV Funding, XXXX or XXXX XXXX XXXX, XXXX prior to them reporting it to XXXX, and possibly other credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX removed this information from my consumer report thus proving my claim. In accordance to section 623 ( b ) ( D ) it is your duty to report the result to consumer reporting agency and since XXXX has removed this information, I demand that you remove this item from ALL other consumer reporting agencies. Please see attached.
Product: Prepaid card

I received a {$500.00} American Express XXXX XXXX XXXX credit card on XX/XX/XXXX from my employer as a holiday gift. 

I made sure the card was activated and on XX/XX/XXXX attempted to make an online purchase from a vendor who accepts AMEX ( XXXX ) for sale for {$360.00} after tax. This purchase required inputting all card security information including the security code, after which I got a message that there was an issue with an invalid payment. I tried to re-enter the card number and redo the transaction multiple times without success. 

I then attempted to make the same online purchase from another vendor who accepts AMEX ( XXXX, same price, item was to arrive XX/XX/XXXX ). I again provided the full card security information and it appeared the purchase was successful. However, days later the order was still pending, the payment had not been processed, there had been no charge to the AMEX gift card account and no order fulfillment progress from XXXX. 

On XX/XX/XXXX I called XXXX to check on the status of my order. XXXX told me that authorization of payment had been declined and that the issue was on American Expresses side. 

I checked the balance of my card online ( AmexGiftCard.comXXXX  ) and the balance was {$490.00} with XXXX {$0.00} chargers, XXXX from XXXX and XXXX from XXXX. 

At this point, I was very frustrated. I contacted AMEX Gift Card service by phone and was eventually able to reach a customer service agent. The agent told me that some online vendors reject cards if the security information is not provided. I told the agent the online vendors did ask for, and were provided with, all security information. I also noted that these vendors ( XXXX, XXXX ) are by far the largest online sellers in the XXXX and that it was ridiculous I could not use a prepaid card with them. The customer service agent then told me that I should instead spend the card in person and not use it online, despite the cardmember agreement explicitly saying this can be used for online purchases that accept American Express. 

The specific model of the product I am trying to purchase is not available in stores nearby and I obviously can not purchase from XXXX in person. I am in a position where A ) a XXXX gift is not going to arrive in time B ) I will not be able to take advantage of the online sale price or perhaps even find said item A ) I can't use my own money/gift card online even though they accept AMEX and XXXX ) I have been severely limited in where I can use my own money/gift card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened this Citi Diamond Preferred card. My credit was in great standing, and before this card was opened fraudulently, I was making payments on time to all my creditors. Since this card was not open on my behalf, I couldnt make payments correctly, and Citi had to shut down the account which is now negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that Santander Bank is a Debt Collector in accordance with the FDCPA 15 USC 1692a ( 6 ) and have violated my consumer rights by way of nondisclosures, uninformed use, and unfair collection practices ; I, XXXX XXXX am a Consumer/NaturalPerson Pursuant to 15 USC 1692 ( a ) congress finds theres an abundance of abusive, deceptive, and unfair debt collection practices being taken place. The purpose of the subchapter is to eliminate abusive debt collection practices by debt collectors. Furthermore, Congress also finds that the economic stabilization will be enhanced with the informed use of the extension of consumer credit to consumers pursuant to 15 USC 1601 ( a ) of the Truth In Lending Act, all while protecting the consumers privacy and nonpublic personal information in accordance with the GLB Act.

In accordance with 15 USC 1692g ( b ) this debt is considered disputed and Im requesting the name and address of the original creditor. You shall cease all collections of these alleged debts until youve obtained the appropriate lawful documentation, verification/original creditor/judgment.

Pursuant to 15 USC 1692c ( c ) ( 2 ), I'm invoking my specified remedies as the original creditor and refusing to pay this alleged debt and demanding you cease and desist any further communication and collection unless to further the investigation, notify me of demands being met, or consumer requests for additional information ( i.e Debt Validation, Affidavit Of Truth ). 

Audit Trail of alleged debt- 5 USC 552a ( d ) GAAP Zero out the balance on the account Remove Account Retract late payments..XXXX 15 USC 6802 ( b ) ( 1 ) ( B ) no opt out given Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a. ) Be taken as tacit agreement to the claims set forth ; b. ) Grant the consumer all demanded remedies ; or c. ) May result in litigation/Arbitration
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT IS BEING SENT AND AUTHORIZED BY MYSELF! EXPERIAN  STOP REJECTING MY COMPLAINT AND RESOLVE THE CONCERN! 
I HAVE ALREADY SUBMITTED XXXX  AND ATTORNEYS GENERAL COMPLAINTS!
Product: Credit reporting or other personal consumer reports

Re : Demand to Delete and Remove Inaccurate Credit Information To Whom It May Concern at the CFPB : I am writing to file an official dispute and demand that inaccurate and unauthorized negative information be permanently deleted and removed from my credit reports with the major credit bureaus - XXXX, XXXX, and TransUnion. I have endured significant financial hardship and distress due to these wrongful credit listings that I have no knowledge of nor provided any form of consent for. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have federally protected consumer rights to privacy, accuracy, and the ability to withhold permission for information to be furnished to the credit bureaus. The erroneous accounts listed on my credit reports violate the following provisions of the FCRA : 15 USC 1681, Section 602 ( a ) establishes my right to privacy and to have only fully accurate, relevant information reported on my consumer credit reports. 

15 USC 1681s ( a ) ( 1 ) states that no person or entity shall furnish any information relating to a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

As I did not authorize or consent to the reporting of this inaccurate information : Account # : XXXX or XXXX Last Activity : XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX The status shows open on 2 bureaus but closed on the 3rd the furnishers and credit bureaus failed to maintain reasonable procedures as mandated by the FCRA. This represents a clear violation of my consumer rights that must be corrected. 

I have made attempts to resolve this matter directly with the credit bureaus by providing documentation and following their dispute processes. However, they have failed to permanently remove these erroneous and inaccurate items from my credit file as required by federal law. 

Therefore, I am escalating this issue to the Consumer Financial Protection Bureau to demand a full investigation and the permanent deletion and removal of all inaccurate negative information on my credit reports immediately. 

Enclosed is supporting documentation of the inaccuracies along with previous correspondence with the credit bureaus showing their violations. I reserve the right to pursue any and all further legal remedies available to me under the FCRA if this matter is not promptly and permanently resolved through correction of my credit reports. 

Thank you for your timely attention to this serious matter. I look forward to your investigation and the complete deletion and removal of all inaccurate items from my credit reports as mandated by law.
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 issues with the platform. Despite using Zelle numerous times, and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicated that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer. I am filing this complaint with the CFPB against Experian XXXX XXXX XXXX XXXX ( Experian ) because they have failed their requirements as outlined in the Fair Credit Reporting Act ( FCRA ) of providing completeness and accuracy of an item of information on my consumer file. I sent Experian Information Solutions , Inc a dispute letter on XX/XX/2022, labeled as Exhibit A, which they received on XX/XX/2022. They finished investigating my dispute which was ready and made available to view on XX/XX/2022 on Experians website, report # XXXX. On the status, it states Verified and Updated. The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. The information that they updated was Recent Balance which went from {$4000.00} to {$4000.00} as seen in the screenshots labeled Exhibit XXXX & XXXX I sent Experian a follow-up letter asking for the method of verification, labeled Exhibit D, on XX/XX/2022, which was received on XX/XX/2022 via return receipt which is labeled as Exhibit XXXX Experian opened an Account Dispute on XX/XX/2022 and finished their investigation on XX/XX/2022, report # XXXX. In this report, Experian XXXX XXXX XXXX XXXX failed to provide me with the method of verification which is stated that I can request per 15 U.S.C. 1681i ( a ) ( B ) ( 7 ) and that Experian must provide after receiving a request from the consumer for that description no later than 15 days. On XX/XX/2022, I contacted Experian Information Solutions , Inc. and spoke with representative named XXXX. I explained to him that I sent a method of verification, but did not receive any information that I requested in my letter. He placed me on hold and said that he would put in a request for the method of verification to be sent to me. He asked for my mailing address, and said that it should take XXXX business days to get to me. He also provided me with a case reference # XXXX. It has been 11 days, and I still have not received any information on Experian Information Solutions , Inc.s method of verification for this item on my consumer report. I have given Experian Information Solutions IncXXXX more than 15 days to provide me with the information that I requested to see how they verified an account. If the disputed information, after the reinvestigation, is found to be inaccurate or incomplete or can not be verified, then Experian must promptly delete that item of information from my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Ideninty theft, I did not open none of these account and need them remove today. This has stopped me from buying a home
Product: Checking or savings account

i had ordered a vacuum online but didn't receive it, i contacted the merchant multiple times, via email and phone calls, i didn't get a call back or any respond to my emails, finally i got an email for the merchant on XXXX for a tracking number i checked the tracking number and the item said it had been delivered, i didn't receive anything tho, i contacted XXXX and gave them the tracking number, my name, and address. they had said the package isn't in my name nor was it even in my address, so i contacted my bank to dispute the transaction because i haven't received my item, the bank disputed my transaction but now reversed it. went back and took the {$300.00} out of my account they said they had did investigation but i didn't believe it. they wouldn't even look at where the package got delivered to or who's name it is in. i had bought a XXXX vacuum, its 14 pounds and XXXX says the package that got delivered is only 3 pounds how does that make any sense?
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA 3 credit bureaus are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Rushmore Loan Management Services is refusing to participate in a Short Sale proceeding with no explanation as to why. 
They originally denied the offer and gave an amount. The amount was met and still they waiting months to deny the offer with NO further explanation. 
The contact at Rushmore ( XXXX XXXX ) stated that the investor has refused to go any further with negotiations and no additional contact has been made except more generic denial letters and offer to take the home in a deed in lieu or other programs. I do not trust that any of the programs they offer actually work for the consumer as they are not answering calls or giving any explanations once they give a flat out NO. 
I can not afford this mortgage anymore and have a buyer willing to negotiate and did increase to the demand for the amount Rushmore stated. Once they got the offer they refused to go any further and now my house may foreclose. Which appears to be their goal.