23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, I have to collections on my credit reports from a company by the name of LVNV FUNDING LLC one in the amount of {$400.00} and the other {$790.00} from XXXX and XXXX. I am unable to work due to one of my children becoming sick and XXXX. I am now forced to use his social security for me, 4 children to make a living off of I am unable to pay any of my debts old and Im just wishing someone could please help me get these debts removed. I also have collections from XXXX ( XXXX XXXX XXXX ) for {$420.00} from XXXX and one from XXXX XXXX XXXX for {$430.00} in XXXX please help me get this removed please.
Product: Debt collection

ENHANCED RECOVERY ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$810.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card

I open and funded a credit card with Capital One and I was asked to verify my identity which I did. They entered in my wrong address and made me submit so many documents but will not submit the last one for proof of residency. They wont give me clarification on what I need to do and they give me a basic script excuse Everytime. Ive asked numerous times to close it and refund my deposit. They wont do that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of XXXX. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Pursuant to Section 605B of the Fair Credit Reporting Act this account XXXX XXXX Balance : {$0.00} will be removed immediately.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/XXXX I attempted to purchase from someone that uses cash app for his business. A single payment of {$60.00} and another of {$82.00}. He claimed issues at the post office and said the police had confiscated the item at one point. Either way, I never received the item and can prove through conversation. I altered the bank to what happened within a week, the bank temporarily refunded the money and went to work it out with cash app. Cash app refuses to assist and referred me to the bank as XX/XX/XXXX. Bank temporarily refunded me but was reversed per Cash Apps as of XX/XX/XXXX policy claiming it needs to be dealt with through them. All cash app says to do is request the money back from the scammer and hope he pays it back. Bank is providing legal paperwork from their interactions with Cash App blocking my refund. CasXXXX app customer service has hung up on me twice upon trying to reach a supervisor and get answers. I have requested copies of those phone calls. I just want my money back for the item I can prove was never sent to me. This is absurd and they openly confirmed in a phone call that they do support the scammer over the one trying to use the app properly. Request the phone record. It's the 2nd one of 3 I made on XX/XX/XXXX.
Product: Mortgage

Reference Case number : XXXX And-See attached bank information form Bank of America letter and Bank of America website. ON XXXX XXXX, 2016 I received a letter form the bank ( attached ) dated XXXX/XXXX/16 that indicated my request for home mortgage assistance is " not being reviewed because we did not received the requested documents? PROBLEM the bank has not communicated or provided a request for documents. the specifics of requested and required documents has not been made to me by the bank. Further as indicated on the bank 's website the bank should have sent me a financial information packet to complete ( see attached ). The referred to packet, needed for my request for assistance to proceed has not been provided to me. I have contacted the bank 's customer service dept as well as bank representatives XXXX XXXX and XXXX XXXX, and a bank advocate ( see attached ). In the meantime the bank as determined they will transfer service of my loan on XXXX XXXX, 2016. In my communications with CFPB, Bank of America customer service and the bank 's advocate XXXX XXXX XXXX x XXXX ) it is imperative that my request for assistance be submitted and process prior to this transfer. By phone with bank representative XXXX I expressed the same. In the meantime days are passing and I do not have communications or paperwork from the bank needed to process my request for assistance.
Product: Bank account or service

I opened Citi bank check in account with a promotional offer XXXX on XX/XX/XXXX and fulfill all terms and conditions, so that I should get {$400.00} promotional reward by XX/XX/XXXX. I made several contacts with Citi, but they said wait till this date. Today it is XXXX and this has not come. Citi should give penalty for this service. If there is a delay in payment to credit cards or cash advance, they put heavy penalty to me. I would like to have Citi give me penalty for their mistakes. I have almost followed more than 10 times with Citi
Product: Debt collection

Started receiving phone calls from Sunrise Credit Services. Stated they received my debt from XXXX XXXX. I have active service with XXXX. I called XXXX they stated they do n't have me in debt with anyone. Sunrise Credit Services continues to call me. They did not have my address so they claim they could not send me out a Proof of Debt letter. I gave them my address. They refuse to send me out a valid Proof of Debt letter. The lady said she could email it to me. Gave her me email address. No proof of debt letter. To this date they HAVE NOT sent me out a valid proof of debt letter which is legal under the FDCPA Debt Collection Act. 

They have put this erroneous debt on my credit which is in clear violation. I am requesting that they take this collection off of my credit report before I get my lawyer involved and sue them for violation of the FDCPA Debt Collection Act.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I was contacted by multiple unsolicited lenders after putting in information with XXXX XXXX to compare my loan rates that I had started with XXXX XXXX XXXX XXXX XXXX was one of those companies, represented by XXXX XXXX. He proceeded to ask me questions and I asked was this a recorded line as he stated. I asked if it was possible to run a soft inquiry to prevent from hurting my credit any further, as XXXXXXXX XXXX XXXXXXXX stated that they were able to. XXXX XXXX proceed by saying no they can not run a soft inquiry. At that time I requested that XXXX XXXX XXXX Do Not run my credit. Two days later I got an alert that XXXX XXXXXXXX XXXX ran an unauthorized hard inquiry against my consent. I contacted XXXX to file a complaint online contesting the inquiry and attempted to contact EquiFax online but wasnt successful in logging in or vice versa on XX/XX/2023. I contacted the company directly after receiving another call at XXXX XXXX  from another representative from XXXX XXXXXXXX XXXX soliciting information. I informed this representative XXXX XXXX who claimed to help provide answers but instead I received information in email regarding an unauthorized account that needed activation. I called XXXX XXXXXXXX XXXX directly to ask that they provide me a copy of my authorization to run my credit because it wasnt given. After listening to the customer service representative and not getting any answers or results in my request, who claimed to help me file my complaint with her company, prompted me to file an official complaint here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Transunion XXXX Disputes have been filed regarding absolute resolutions inaccurate information on my credit report they responded that it was verified even though it is incorrect they have failed to do a thorough investigation on my behalf and continue to violate my consumer rights causing distress and financial consequences. I have court records and bank statements showing this company was paid monthly from XX/XX/2019 and processed the payments even though they are reporting the total amount and payments incorrectly
Product: Checking or savings account

In XX/XX/2018, I went to check on my {$15000.00} CD account with Bank of America. I have evidence of this account for several years, then tax reports stopped. I did not withdraw the money. However, they could find the account number, but no funds. Their research and investigation department searched for it twice and could not find the money, nor any documentation of what happened to it. They sent me a letter that this investigation case is now closed as of XX/XX/18. 

I obviously want my {$15000.00} plus the interest earned for all these years. 

I have checked twice with the State and they do not have it as unclaimed money. 

Please help. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im XX/XX/XXXXAND XX/XX/XXXXoff XX/XX/XXXXI am being reported as missed payments resulting in negative credit drop I have nicely tried to dispute this multiple times Directly with the XXXX XXXX, then I have tried to dispute with the credit bureaus, if XXXX XXXX truly records phone conversations they can go back and reflect on the fact that we had total job loss due to Covid, during Covid no company is supposed to report negative credit, the payments were made and caught up, also XXXX XXXX Has been directly debiting automatic payments from my bank account ever since I got another job, ( I can prove this ) and as of today XXXX XXXX has reported that I am late on those payments as well, according to the drop in my score again. Due to the illegal practices of reporting negativity during Covid and MY job loss I would request that once and for all XXXX XXXX delete ALL negative reporting to all three credit bureaus. This is illegal practicing and when I do call, most of the people you speak with do not know what they are talking about or false information, again if they have recorded phone calls they can go back and reflect on those and see that when I called and the individual I spoke with assured me there would be no negative reporting during my job loss and covid which is actually still happening.
Product: Mortgage

From XX/XX/XXXX through XX/XX/XXXX, I attempted to work with High Point Mortgage to secure a VA loan through Rocket Mortgage. During this underwriting and closing process, we experienced multiple delays due to Rocket Mortgages excessive underwriting processes and policies. On at least two occasions, we were notified at the end of the day prior to our projected day of closing that the underwriter wanted additional documentation or steps to be completed. During each review, we were only told of a single issue or concern that needed to be addressed. Once we addressed those concerns, the file was reviewed again and then we were told of another concern. We addressed that concern and would be told of another. There was no systematic and concerted effort to efficiently review our file to provide all recommended corrections and clarifications together. All of this poor customer service and lack of professionalism alone put us on the edge of backing out of the loan with XXXX XXXX XXXX  as our broker and Rocket Mortgage. 

We finally received our XXXX and moved forward with closing when we were told by our loan officer that Rocket Mortgage was incorrectly classifying our loan as a refinance, and this was causing us to be erroneously charged an extra $ XXXX to $ XXXX in fees. We owned our land that our new house was constructed on since XXXX. Per the XXXX XXXX XXXX our loan was to be classified as a new build because we began construction in XX/XX/XXXX and finished construction in XX/XX/XXXX. This is within the same year of starting construction so it was a new build. Rocket Mortgage told our loan XXXX that was not correct and we were being classified as a refinance. As the homeowner, we paid 49 % of the loan out of pocket so we should have received a lower VA funding fee per the XXXX XXXXXXXX XXXX. Despite contacting the VA and getting confirmation that Rocket Mortgage was overcharging us, the closer and underwriters refused to change our loan to a new build vice a refinance. 

As a result of the erroneous fees, misclassification, and poor customer service, we had to switch to a different bank to secure a traditional mortgage. This caused unnecessary stress and excess interest fees that we should not have had to pay if we would have been afforded the quality customer service that anyone deserves, especially a Veteran.
Product: Credit reporting

IC Systems has sold this account to XXXX XXXX XXXX. This account was paid to XXXX and marked as such on the credit brureaus reports. I have disputed this account with IC systems on XXXX XXXX asking for validation of the account and recieved nothing in response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Student loan

I have federal student loans with fixed interest rates. Now the loan is managed by MOHELA. Recently they moved it to new online platform and now they are charging me 0.25 % higher interest than original rate. These supposed to be fixed rates. The customer service line is not reachable due to high volume of calls. Please help!
Product: Debt collection

I had 2 collection accounts at all 3 credit bureaus. According to Colorado XXXX XXXX XXXX XXXX I can not be billed for medicaid services. That means that I can not be placed for collection for this. XXXX  and XXXX  have alrdeady argeed that the collection accounts were unlawful and deleted them. XXXX XXXX deleted only debt of {$210.00}, but another one of {$150.00} is still there. 
The documents regarding this problem were sent to original creditor, collection agency and all 3 credit bureaus 2 month ago. 
I opened the dispute with XXXX XXXX 2 times. only one Item was deleted and they don't want do anything with the 2 second item. 
I never received ANY answer from collection agency. I sent them documents 2 times, last time they received it XX/XX/2018. ( usps conformation included )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've wrote through several letter attempts to remove inaccurate information and accounts that are in FCRA violations from XX/XX/2020-XX/XX/2020. Multiple accounts are in FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The accounts are reporting inaccurate and different high balances, The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation. Some accounts were transferred and/or sold and still reporting a balance, this is a FCRA violation. Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.
Product: Credit reporting or other personal consumer reports

I have made repeated efforts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely impacted my life, resulting in considerable stress and anxiety. I must emphasize that as a victim of identity theft, I never authorized or consented to the association of this information with my identity.
Product: Debt collection

The bureaus continues to put wrong information onto my reports affecting my life with no investigation to where the debts is mine these are not my utility debts at all I never lived at address please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I am filling a complain with XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, XXXX consistently responds within 24 hours statin the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof for investigation within 30 days or my account be permanently removed from all credit reports. I am requesting ( 1 ) a copy the original contract with signature, ( 2 ) a copy of the payment history, ( 3 ) the name and address of the original creditor, ( 4 ) proof of collection authorization from the following collection agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX