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

I filed a complaint with the CFPB, and it was closed as soon as the company responded to the complaint. The information provided by the company was incorrect, and I was never given a chance to respond. OneMain ran a hard check of my credit on XX/XX/2019 that I did not authorize. They obtained my information from XXXX, and third party personal lending consolidator that does not authorize hard checks or pass on permission to authorize a hard check to the companies it works with. I spoke with XXXX about this and have a transcript of the conversation. However, OneMain received my information and proceeded to run a hard check of my credit report. Their executive office  provided desktop screenshots from their site, not that of XXXX, that they say show I authorized a hard check. I never visited their desktop site, and I submitted my information to XXXX through their mobile app only, not the desktop site. Upon examining the screenshots from OneMain, at least 30 % of the information that they say was supplied by me was incorrect, including key elements like salary, job position, etc. OneMain reported this hard check to XXXX, and it has damaged my credit score,  but moreover, they violated the FCRA in running a hard check without my authorization. I would like for the CFPB to contact OneMain about this issue. The hard credit authorization is fraudulent, proven by the inaccuracy of the information they claim I submitted on their desktop website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies have NO permission to report anything using my info pursuant to 15USC 1681 4. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 169215 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 
CKS PRIME INVESTIMENTS LLC is in violation. As stated in my previous complaint against this company who Ive never heard of or have Ive ever done business with is continuing to Harass me by attempting to collect on this alleged debt. As I requested before this company has ignored my requests to Cease and Desist all communication and collection efforts regarding this alleged debt.Instead they ignored all of the laws theyve broke and insisted that I reach out to them to discuss this matter in their previous response. There is nothing to discuss. CKS PRIME INVESTMENTS LLC has failed to provide me with any documentation that shows Ive provided consent to furnish this damaging information onto my consumer report. CKS PRIME INVESTMENTS LLC has sold this alleged debt to another company named XXXX who is now sending harassing letters to collect a debt that Ive previously requested to STOP! Attached is a letter I received from XXXXXXXX XXXX XXXX XXXX XXXXXXXX instructing the CRAS to remove this account tradeline from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX Bank Account was reported as missed payment XX/XX/2020. Which is incorrect. I paid for XXXX and XXXX on time for the {$41.00} that they told me to pay as I am out of work. I am paying as agreed.
Product: Debt collection

I recently sent a cease and desist communication to Alpha Recovery XXXX ... I explained my situation to them ... pertaining to my current health situation and that in no way shape or form that I have means to pay..please do not contact me again ... received communication again pertaining to this same situation..going you can help rectify this problem ...
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding the actions of lvnv funding, which I believe constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws.

1. Breach of Peace and Harassment : The debt collector has repeatedly made aggressive attempts to contact me at unreasonable hours, including early mornings and late evenings. They have also made repeated calls to my workplace, despite being told not to. Their behavior is harassing, causing me distress and interference with my daily life.

2. Inaccurate Information : The debt collector has provided inaccurate information regarding the debt they are attempting to collect. Specifically, they have stated amounts owed that do not match the records I have, and I have reason to believe they are misrepresenting the total balance. I have requested clarification and documentation for the debt but have received no satisfactory response.

3. Failure to Validate Debt : Despite my request for verification of the debt, including the date the debt was incurred, LVNV funding llc has failed to provide appropriate documentation. They have not validated the debt or provided evidence that it is indeed owed by me, nor have they clarified the exact date the debt was created. 
Lvnv funding llc XXXX XXXX I am requesting that the CFPB XXXX XXXX and XXXX investigate this matter to ensure that Lvnv funding llc Is held accountable for their actions. I also request that they provide proper validation of the debt, including accurate and complete information, in accordance with the FDCPA. Furthermore, I request that any incorrect information regarding this debt be removed from my credit report if it is determined to be inaccurate. 
Thank you for your attention to this matter. 
XXXX XXXX
Product: Debt collection

According to my credit report via XXXX XXXX, a First Progress Card was opened XX/XX/XXXX. At the time the account was opened I was incarcerated. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX therefore I am not responsible for this account. This account was opened fraudulently using my information. I have contacted First Progress Card and no action was taken. I would like this account deleted from all credit bureaus and a discharge of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

This complaint is regarding the charge on XX/XX/18 from XXXX XXXX XXXX XXXX for {$330.00}. I disputed a portion of this charge as my reservation was for a total of {$160.00} as I booked under a qualified rate which was verified upon check in by two XXXX XXXX employees. I authorized the charges for {$160.00}. However, after my departure the hotel chose to charge me based off a different rate. After speaking with the merchant they decided to change my rate after my stay requesting I allow the hotel to make a copy of my government ID which is a federal crime. The hotel made no mention of this rate change until after I had already left the hotel which is a violation of the Visa Interchange agreement, invalidating this charge. 

Chase however only seemed to reply to my dispute with a letter requesting more information. Information which had already been provided. I'm attaching all original documents provided. Chase failed to resolve this dispute in accordance with the visa dispute and interchange agreements. I've also requested that all related documents in Chase 's investigation of this charge be sent to me for review on 2018-XXXX in writing. My previous requests while speaking with Chase dispute resolution analysts were all denied by Chase.
Product: Money transfer, virtual currency, or money service

My cash app was hacked at the time I used cash app for direct deposit of my paycheck, my email address was hacked thru my email thieves got my cash app I have attempted to resolve this issue without success. I keep asking for updates and each time I'm given a different generic response. On XX/XX/2020 {$1900.00} was spent on XX/XX/XXXX and withdrew, also {$90.00} was sent to someone with the name XXXX XXXX. I immediately contacted cash app support thru the only unreliable form of contact email. They responded with six questions which I answered. No one responded until XX/XX/XXXX only because I complained to the XX/XX/XXXX and the response was basically to scold me.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft i filed the necessary disputes and had the fraudulent accounts removed in XXXX XXXX XXXX 1 of the accounts ( XXXXXXXX XXXX  ) was reinserted XX/XX/year>. According to the FCRA section 611 credit reporting agencies are required to send a reinsertion letter not later than 5 business days after the date of reinsertion. This letter should contain proof the furnisher certified the information as accurate and documentation of the business name and address of any furnisher of information contacted and the telephone number of such furnisher or any furnisher of information that contacted you in connection with such information. I did not receive this letter in accordance with the FCRA.. please delete the reinsertion of the XXXXXXXX XXXX account from my consumer report.
Product: Checking or savings account

On XX/XX/XXXX, I filed this compliant : " Hi, On XX/XX/XXXX, Suntrust bank locked my personal checking account. On that same day, I went in to a branch to inquire about why my account was locked. They would not give me a reason other than Suntrust was choosing not to do business with me anymore, and that I would receive a refund check for the account balance within 7 to 10 business days. The account balance at the time of lock/closure was {$150000.00}. 10 business days came and went and I did not get a refund check. I called suntrust and was now being told that they intended to hold my money for an un-determined amount of time. They would not tell me why they are holding my money, or when they would release my money. I offered to give them any information they needed for the activity in my account, ( invoices for ach payments, transfers, etc ) they would not accept any of this information. I have periodically called suntrust every few months and each time I get the same info that my account refund is " on hold '' with no determined release date. To date, they have sent me no written communication explaining or acknowledging that they have held my money. The only information I have received from them is over telephone calls I have initiated. IT HAS BEEN 11 MONTHS!!!! and they still have not returned my money. At this point I feel as though they have stolen my money, and I am considering hiring a lawyer to fight them. Please help! '' Today, I received a response from the company that I have attached to this complaint. They say that my checking account is currently involved in arbitration, and as a result they are unable to respond. ( please see attachment ) I have also attached the full arbitration filing for your review. You will see that it DOES NOT involve my checking account in any way, shape, or form. The arbitration filing is solely related to a Suntrust Credit card account. 

Secondly, even if my checking account was involved in arbitration with Suntrust, that does not prevent them from responding to my complaint. That is merely an excuse they are using to not have to answer for why they have held my money for 12 months now! 

Furthermore, that excuse is an outright, fraudulent lie as my checking account is not involved in the arbitration. Someone must hold them accountable.
Product: Checking or savings account

On XX/XX/XXXX, TCF Bank was bought out by Huntington Bank. There was a young ( late XXXX - mid XXXX ), petite, medium long blonde haired teller assisting me. She then informed me that the new account ( XXXX ) is the correct account, from the former TCF account for XXXX, and it was called XXXX XXXX XXXX XXXX. I said well, the account is supposed to be for XXXX XXXX but they assured me that this was the right account. I was skeptical. Therefore, I went a step further and immediately emailed my landlord informing him of the changes. This email was sent the same day that I was at the bank on XX/XX/XXXX. 

When I went in to the now, Huntington Bank on XX/XX/XXXX to make my monthly payment for rent, I was forced to cross out the name, XXXX XXXX, and place XXXX XXXX XXXX XXXX on the check instead. I again asked, is this the account for XXXX XXXX because it shouldn't really matter. ( I have a copy of the all the checks. ) The same blonde haired teller told me that all checks to the business account needed to have the business name on it. If I made the mistake again I was told to write out a new check that said XXXX XXXX XXXX XXXX. If the bank were to look up the transaction history to see who assisted me on XX/XX/XXXX they would see who gave me the XXXX XXXX XXXX XXXXXXXX account number. Their Payroll would even show who was working that day. 

Lastly, once my family and I informed our landlord we were moving in XX/XX/XXXX, he then noticed that my rent deposits were not in the account. We both went together and met with the bank manager later on that day, she acknowledged that there was definitely a banking error and it was going to be fixed because it was a mistake that they, at Huntington Bank made, but needed a couple of weeks to correct it. She then took the handwritten account number, ( that I got from the blonde teller 2 years ago ), from my landlord for their files. ( I took a picture of if before handing it to my landlord. ) I am now being summoned to pay back a year 's worth a rent with late fees totaling more than {$60000.00}.
Product: Mortgage

This is my third complaint against Select Portfolio Servicing in 4 months. 

On XX/XX/XXXX I formally requested the removal of the PMI from my mortgage ( {$290.00} ). After many hurdles and a complaint to the CFPB-the appraisal for my home ( interior and exterior ) was completed on XX/XX/XXXX On XX/XX/XXXX I contacted SPS to find out what was going on with my request to remove the PMI. I was told at that time that the notes in the system stated it was approved. However I needed to wait for a letter to be sent to me. 
I waited.. I called again on XX/XX/XXXX and again asked for an update and again was told that the notes in the system stated that my request to remove the PMI from my mortgage had been approved and was " being processed ''. I asked what " being processed '' meant and was told that they had to go back to when I had originally requested the PMI removal and issue a refund for the PMI payments that were made. 

Again I waited... I checked my account often and did not see a decrease in my mortgage or a letter indicating the approval on my PMI removal On XX/XX/XXXX I accessed my online SPS account and saw a letter had been generated. This letter stated that my " account is currently not eligible for mortgage insurance removal due to being either 30 days or more delinquent in the past 12 months or 60 days delinquent in the past 24 months ''. 

This contradicts SPS ' response to my CFPB complaint filed in XXXX regarding PMI removal and not meeting payment eligibility. In their response dated XX/XX/XXXX it states that " Therefore the account has been more than 60 days past due in the last 24 months. However, assuming all other conditions are met, this requirement can be waived because the account was in a Covid-19 Assistance Plan during that period ''. 

I would assume that the other conditions that are referenced in their response would be my loan to value based on the appraisal that was done. Since there is no mention that we are over XXXX based on the appraisal I am again assuming this condition was also met. 

I am not sure what transpired at SPS and why on XX/XX/XXXX it was noted in their system that the PMI removal request had been approved and then on XX/XX/XXXX they decided I was not eligible. 

I want the PMI to removed effective immediately and the PMI of {$290.00} to be refunded to me as stated it would be by their customer service agent on XX/XX/XXXX. They have already stated that the payment requirements would be waived due to being protected under the CARES Act/Covid-19 Assistance Plan and now they have gone back on their word. 

I have provided their response on XX/XX/XXXX from my complaint filed with CFPB on XX/XX/XXXX. I have also provided the letter they issued me on XX/XX/XXXX stating that my account was not eligible due to past due payments.. 

In an attempt to resolve the matter on my own, I did call SPS today ( XX/XX/XXXX ) to no avail and I did email the VP of SPS, XXXX XXXX, on XXXX ( no response to even acknowledge he received the email )
Product: Money transfer, virtual currency, or money service

XXXX - I was notified by google pay that my account would be closed and remaining balance would be sent to state authorities. 

No other information was provided and responses go unanswered. 

Google support Inquiry - Case ID [ XXXX ]
Product: Checking or savings account

I tried to open an account in XXXX of last year at the Truist Bank location on XXXX XXXX in XXXX. The CSR at the branch advised me he couldn't open an account due to previous fraud being reported in the system and gave me a number to customer service for more info. I called and was transferred to the fraud department where I was told they don't have any previous accounts opened with my information so they didn't see why I was unable to open an account. the rep opened a fraud case which was only supposed to take a max of 30 days. Its been 60 and I still haven't heard anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : As of my dispute, your agency is in outright violation of the FCRA.

Specifically, the following : 1. Exceeding the 30-day requirement to respond 2. Willfully using delay tactics and not sending reports 3. Not responding at all Please see items in dispute below and immediately remove from my credit file INQUIRIES XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX   XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX/XXXX XXXX XXXX  XX/XX/2018 unauthorized XXXX/XXXX XX/XX/2018 unauthorized Identification already on file, no changes, please notice your internal notes, please notify me of what is suspicious about this request. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Outsource Receivables is reporting multiple accounts on my credit file and they need to be removed. These accounts are still reporting on my file despite them never being able to find these accounts. I called multiple times and they were never able to find me despite how much information I gave them. They told me to dispute them and I have been but they continue to validate the collections to the bureaus but not me? These are not mine! You have nothing on me, you need to remove these.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters addressed to the Credit Bureaus requesting that they investigate and update my Credit File from erroneous reporting and yet they have done nothing! I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX has not responded to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the follwing accounts : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 and XXXX XXXX  XXXX XXXX Balance {$8600.00} Date Opened XX/XX/2014 as I believe these accounts were reporting in error.
Product: Debt collection

When my ex-wife and I was married she put a lot of credit cards in my name would guess she was paying on them. When we divorced is when I learned I had all these cards in my name leaving behind all the payments. I would like to do a dispute on them. Also it looks as this account was opened longer then 7 years ago.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an 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: Debt collection

XXXX XXXX XXXX XXXX is showing up on my credit report 2x. This is something that originated in 2013. I signed up for classes at XXXX and then withdrew. I never attended one class there. I was told I would not owe any money and I have been battling with this for two years now, I have written letters, contacted the school etc. they are now showing it has been turned over to a collection agency not once but twice. One amount is XXXX and the other is XXXX. I do n't know what to do I do n't owe XXXX bill let alone XXXX.
Product: Mortgage

I was put into forbearance due to hardship loss of job during covid and also illness - I was told that the payments would be put at the back of the loan at the end of the forbearance and now they are demanding the TOTAL amount at once or they want me to do a short sale or a foreclosure If I was dealing w a hardship how would I miraculously come up w 12 months of payments if I wasn't working in the first place? This feels like a scam