23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had a active account with CHIME and out of nowhere In XXXX they send me a email saying they had closed my account and I had over {$500.00} in my account and was told that I would mailed my money by check within 30 days its been months later and nothing Ive tried calling and they have my number blocked and they wont respond to my emails. I want my money back!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO score dropped by 29 point and the credit bureau can not give me specific information as to why and will not let me know what calculations they used to determine my score. My score also dropped and keeps dropping with Equifax and XXXXI used the score simulator offered by XXXX   and paid down my card, paid off my auto loan and a few of my creditors actually increased my credit limits but my score still dropped. The credit reporting agencies keep giving me the run around and can not explain or show any real proof as to why me score dropped. Please help me get " factual data '' as to why my score dropped when i am doing the right thing. I need someone to help us consumers whose lives are being ruined by these credit bureaus w/o any explanation. I disputed anything that was potentially incorrect or negative on my reports but " There is no option to dispute my actual credit score or changes to my credit score '' with any of the major credit bureaus. 
I believe the credit bureaus are intentionally lowering scores to " force '' individuals to take out consolidation loans or open new accounts thinking it will increase their credit while the credit bureaus are getting some form of kickbacks. I get emails/ alerts everyday to open new account or sign up for services such as XXXX XXXX  and believe I am being penalized for not taking the action they want.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost, funds was impossible and that tracking these transactions was unfeasible. the CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXXBalance {$590.00} XXXXBalance {$0.00}
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 15 USC 1681. 




XXXX XXXX # XXXX XXXX BANK # XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I recieved a letter from Robinson, Reagan, and Young in XXXX TN located at XXXX XXXX XXXX XXXX # XXXX, XXXX, TN XXXX. The letter said that I owed {$6900.00} due as a medical bill From XXXX XXXX XXXX. I called the firm and asked about this I said to them that I did not owe this amount and that this was a mistake. The firm said that I did and to call XXXX XXXX XXXX. When I called XXXX XXXX XXXX they told me that they could not find any debt in my name. So I called the firm/Collection Agency and they denied it, and told me to call again. So I called again and they again denied that I owed anything. So I called the firm again and they agreed that they would look further into my case. When I called them back they said that it was a mistake and that they would take it off of my credit Report. It has been about a month and a half and it has not been the case.
Product: Money transfer, virtual currency, or money service

I signed my federal income tax check over to my boyfriend in the amount of {$1700.00} from IRS XXXX XXXX XXXX over XXXX months ago ... ..I have been waiting, I was called by chase two times to verify it was my check. My boyfriend, the account holder went to the branch several times and calls daily. It's ALWAYS a different story ... .they took fees for what my boyfriend owed but still have yet to release the check. I have 4 kids and have XXXX money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to get a rep on the phone to resolve any of my issues. I was made aware by XXXX that my personal information was leaked to the dark web and I have hard inquiries on my credit report and collections that are not mines. I have filed a police report but the credit bureaus are refusing to remove them.
Product: Debt collection

First Source Advantage called from XXXX asking for me by my maiden name, which i have not used since 1990. All they would say is the call was being recorded and would provide no additional information. I did not provide them with any info, but it has to be a scam.
Product: Debt collection

LVNV Funding LLC, under the name XXXX contacted me via email in XX/XX/2023 threatening to sue me for as debt. 

I had never heard of this company and responded as such to the email, I received a reply stating they would send me a letter and not contact me via email again. 

In XX/XX/2023 I received a second email, again threatening to sue me, I once again responded I do not know you and I was supposed to be getting a written letter not an email. 

5 days later I got a letter telling me they had received my request for proof of ownership of debt, but no proof. 

In XX/XX/2023 I wrote a letter requesting evidence of ownership of debt, in reply to the written letter I had received asking for the original contract with my signature on it, a copy of the payment history for the debt and a copy of the contract between the original creditor they claimed and themselves. - I received NO REPLY. I gave a 30 day deadline to respond. 

On XX/XX/2023, I received a letter dated XX/XX/2023 from a XXXX XXXX XXXX, XXXX. Telling me they were contacting me on behalf of LVNV Funding LLC and they still did not supply the requested proof of ownership or validation of debt. 

I responded to this letter to explain I had asked for proof of ownership and validation of debt and had been met with silence from XX/XX/2023 until XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX they called Me THE XXXX word aka XXXX i have them On recording the information they provided doesnt match up to any information that belongs to me they hang up on me very disrespectful the attached file stated i was sixty days passed due from XXXX to XXXX doesnt make sense at all there is no 60days In between those dates they also refused to send me a fraud packet over the phone..and i have an investigator and a police report as well they refused to get any copy of it experian wont respond to my dispute keep updating as remain which is illegal and i sent experian proof as well The debt doesnt belong to me plus my License been XXXX  for XXXX  years you cant drive oft a lot with XXXX  license and no insurance
Product: Debt collection

My Name Is XXXX XXXX, a federally protected consumer, and I am making this complaint against ACCOUNT ADJUSTMENT BUR for committing identity theft I have never given ACCOUNT ADJUSTMENT BUR any permission to use any of my identifying information to commit mail fraud by contacting me about a alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ) I am demanding a cease and desist of all illegal activity, and communication and collecting activity, of this and alleged debt until ACCOUNT ADJUSTMENT BUR can provide me with a sufficient documentary evidence that I have any legal obligation to pay them. If the this documentary evidence can not be produced and ACCOUNT ADJUSTMENT BUR continues its collections efforts, I will file for litigation for actual damages caused by ACCOUNT ADJUSTMENT BUR will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXXXXXX XXXX XXXX XXXX  Balance : {$360000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; 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
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent {$1500.00} to a zelle recipient, on XX/XX/year> I submitted payment of {$1500.00} to the same recipient and XX/XX/year> a final payment of {$500.00}. The recipient did not deliver on the services as agreed and for XXXX months they took me in circles. I contacted my bank to see if theyd be able to reverse these transactions and they said they couldnt since it was done over zelle. I tried fruitlessly to recover my money to no avail.
Product: Debt collection

After checking my report I found Inaccurate information about XXXX XXXX XXXX this account was entered in my bankruptcy in XXXX .please remove from files on my credit report.. Enhanced Recovery Company XX/XX/XXXX and the latest filing was XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

The company know at as Bright XXXX took XXXX dollars from my account. Soon after trying to get hold with someone for days I get a email to downgrade my account. Which I follow through in which they tell me my money will come in 2-3 days its almost been a week they took money unexpectedly which caused my checking to go in the negatives. They claim to have 24/hrs service but all I got was a bot and e-mails please I would like this matter to be resolved.
Product: Mortgage

XX/XX/2021, I applied for modification. It was approved, but payments are unaffordable for my income. I am currently in the process of applying for another modification. They wanted {$960.00} payment and my income is {$2000.00} per month on mine and my husbands social security and pension. We have a car payment and rented apartment temporarily because water is off at the house because of an unaffordable needed repair. We also had to rent storage facility and furniture because we thought they were going to take the house, but they have not.
Product: Debt collection

XXXX XXXX XXXX. Is continuing to report. Debt on my credit report and has failed to send a statement validation of the debt, the charges that were and to whom. I have sent many time requesting this information including a previous complaint through CFPB and they claim to contact the original creditor and obtain validation that the debt. I have contacted the original creditor and they do have any information on the account XXXX XXXX aka Care Credit and referred me to the debt buyer. I need this information so for reasons the orginal creditor has taken payment history off my credit report recently and should be removed because it inaccurate and the collection agency should be removed because they have no information to provide me. For example, I 'd like to know the last time the card was used and the amount and how many payments were made, and why after the last payment was made did the creditor charge off the account after I explained my checking account was compromised by check fraud and I provided a new account # for payments to be withdrawn auto pay. I am asking for both companies to send documents to verify the amount and payments made, because there was a refund issued to the account and was not applied and over {$320.00} dollars of the {$770.00} balance is interst fees illegally added after the account was charged off. So with the refund by the animal hospital and the interest charges and the last payment I made and the account being charged off the following month both companies are in violation of my rights. I want then removed from my report as well as I want to seek monetary damages because of violating my rights under the Credit Transaction act as well as FCRA as the collection agency never sent a document allowing me 30 days to dispute the debt back I 'm XX/XX/XXXX, and XX/XX/XXXX in a dispute I received a handwritten statement and illegible piece Paper that only showed an amount, not a statement from " care credit " Recently Care Credit erased the date and amount the of last a payment and deleted the account late for 120 days in XX/XX/XXXX and 120 day in XX/XX/XXXX which I explained to XXXX this did not make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission ( see 15 USC 41, et seq. ). 

Upon multiple notices to the credit agencies, I have stated I am a victim of identity theft, I HAVE SENT DOCUMENTATTION PROVING I AM A VICTIM OF THEFT. I have sent documentation that included an FTC Report as well as a Police Report. The credit agencies have failed to follow FCRA 605B ( 15 U.S.C, & 1681 c-2 ) which states that this information must be removed within four business days. I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES XX/XX/2021 & XX/XX/2021 I have also asked that the credit agencies refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C, & 1681 c-2 ) which states that this information must be removed within four business days. I have demanded them to remove the items stated below 1. Identity Theft XXXX  Account Number : XXXX 2. Identity Theft XXXX Account Number : XXXX 3. Identity Theft XXXX  Account Number : XXXX Account Number : XXXX 4. Identity Theft XXXXXXXX XXXX XXXX  XXXX A Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Balance : {$320.00} ; XXXX XXXX XXXX : {$510.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX - an hard inquiry was made to my credit report. I did not make this request XX/XX/2022 JPMCB card services - an hard inquiry was made to my credit report. I did not make this request
Product: Credit card or prepaid card

I have a credit card with First National Bank. I have a balance in my credit card amounting to {$680.00} and the due date isXX/XX/XXXX. I paid the full amount last XX/XX/XXXX.  When I got the next billing statement, I was charged of {$11.00} for interest charged. I called the credit card company to dispute the interest charge. They told me its a valid charge and they can not waived it, since in the 2 previous billing statement I did not pay the full amount. I told them yes I understand that I did not pay the full amount in the 2 previous billing statement that 's why you charged me a interest which is fine with me. But on the 3rd billing statement I pay the full amount before the due date that 's why I should not be charged of interest. 

And I told them just to closed my credit card because I am disappointed with your credit card. I told them I will not pay the {$11.00} because I believed this is not a valid charged. They customer service representative I spoke even treat me that they will report me to credit bureau for not paying the balance and my credit score and credit file will be affected. 

Just to make it easier I decided to pay the {$11.00} but I will complain the First National Bank to the Consumer Financial Protection Bureau.
Product: Debt collection

After reviewing my credit reports I noticed an unfamiliar item that was in collections negatively impacting my credit. 

On XX/XX/XXXX I sent a letter to the collection agency asking to not only validate the debt but provide the method of validation and they did not. 

I received a letter dated XX/XX/XXXX responding to my request, however the debt was not validated, the letter was a verification letter. The information I requested was not received. 

On XX/XX/XXXX I sent a second request asking to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Equifax, XXXX and XXXX have violated my rights. 
15 USC 1681Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose. 
All late payments from my credit report must be deleted
Product: Debt collection

I have received multiple calls from Central Portfolio Control Company calling to collect a debt for XXXX XXXX. I have numerous times stated to them that this phone number does not belong to XXXX XXXX, which does not seem to matter to them, I keep receiving calls from different collectors from Central Portfolio Control Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX case # XXXX and XXXX Attorney General of Texas. Under 15 US code 1681 ( A ) and 15US code 1681 ( I ) ( 5 ) this account is vialation not reporting 100 % accurate is list the child support court as the funnisher thats forgeny and misleading when the court dont report this type os account. under 15US code 1681 ( B ) permissible puposes of consumer reports. I never gave you any written consent to report anything on my consumer report no consent is identity theft
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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.

Caine and Weiner is reporting false info and reporting it XXXX months after " resolve '' from XXXX XXXX
Product: Debt collection

We filed Chapter XXXX bankruptcy, discharged on XXXX/XXXX/2006. One of the accounts that was discharged was for a mortgage with Ocwen Loan Services ; we recently received communication from XXXX that they had purchased the loan and that we owed them for the house. We disputed this, stating that it had been discharged via bankruptcy, they sent us a copy of the original loan with our signatures on the promissory note and stated that this was proof we owed the loan. The account was discharged, that was confirmed by both Ocwen and another agent that had purchased the account, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle was traded in and signed over in XX/XX/2021 which lines up with the opening of my new auto loan. American credit acceptance purposely didnt close out the loan until XXXX and listed me as late for the month of XXXX when the vehicle had been traded in since XXXX. This company also reported me late in XXXX when a payment was submitted in time.