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

In accordance with the fair credit reporting actXXXX account XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 
The following have also violated my rights to privacy by reporting hard inquiries that destroyed my credit rating without my written instructions. 

XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX via XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, IL XXXX XXXX, XX/XX/2022, XXXX ( XXXX ) XXXX TypeIndividualPermissible PurposeXXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX ( XXXX ) XXXX Type Location XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX TypeIndividual Location XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX CT XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired XXXX and XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX
Product: Debt collection

Full Name : XXXX XXXX XXXX XXXX : Company Name : LVNV Funding LLC Address : XXXX XXXXXXXX XXXX XXXX, SC XXXX Phone Number : ( XXXX ) XXXX Subject : Complaint Against LVNV Funding LLC for Violating Consumer Protection Laws Date of Incident : XXXX  Type of Debt : Credit Card Amount in Dispute : {$3500.00} Complaint Narrative : I am filing this complaint against LVNV Funding LLC for engaging in practices that violate the Fair Debt Collection Practices Act ( FDCPA ) and/or the Fair Credit Reporting Act ( FCRA ) in relation to the debt they are attempting to collect from me. 

FDCPA Violations : Harassment and Abusive Practices : LVNV Funding LLC has continuously contacted me using aggressive and harassing tactics. The representatives have called me multiple times per day, and on some occasions, have used abusive language and threats of legal action. These actions violate Section 806 of the FDCPA, which prohibits harassment and abuse by debt collectors.

Failure to Validate Debt : Under Section 809 ( b ) of the FDCPA, I requested written validation of the debt from LVNV Funding LLC, but they have failed to provide the necessary documentation within the required time frame. Despite this, they have continued their collection efforts, which is a direct violation of my rights under the law. 

Misrepresentation and Deceptive Practices : LVNV Funding LLC has misrepresented the amount of the debt and threatened legal action that they are not legally entitled to pursue, violating Section 807 of the FDCPA. This has caused undue stress and confusion, as I believe the debt amount is incorrect. 

Contacting Me After Being Informed of Attorney Representation : I informed LVNV Funding LLC that I am represented by an attorney regarding this matter, yet they continued to contact me directly. This violates Section 805 of the FDCPA, which forbids direct communication with a consumer when they are represented by legal counsel. 

FCRA Violations : Reporting Inaccurate Information : LVNV Funding LLC has reported incorrect and inaccurate information to credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ). Specifically, the amount owed, the date of default, and other critical information have been reported inaccurately, which has negatively affected my credit score. 

Failure to Investigate Dispute : I disputed the information provided to credit bureaus regarding this debt, but LVNV Funding LLC failed to properly investigate or correct the inaccuracies in a timely manner, as required under Section 611 of the FCRA.
Product: Debt collection

I 've been repeatedly called and sent mail from this company stating I owe money to a bill I do not recognize that originated in 2001. I told them verbally that they have the wrong person and to please stop harassing me. Additionally, I 've asked them to take it off my credit report, which they refuse to do. 

I try very hard to take care of my credit rating and am upset that a debt from 14 years ago ( that is not mine ) has stayed on my report that long. Thank you for any assistance in clearing this up.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which resulted in unauthorized accounts and inquiries being added to my Experian credit report. Specifically, a fraudulent XXXXXXXX XXXX  account and inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX remain on my report despite my numerous disputes with Experian over the past several months. 
Each time I disputed the fraudulent XXXXXXXX XXXX  account, Experian claimed they contacted XXXXXXXX XXXX  and verified the accounts accuracy. However, upon contacting XXXXXXXX XXXX directly, they confirmed that no such verification requests were made. This demonstrates Experians failure to conduct a proper investigation, as required by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ). 
On XXXX XXXX XXXX  I submitted another formal dispute to Experian with all required documentation, including an FTC Identity Theft Report, my ID, and proof of address. Yet, given Experians prior mishandling of my disputes, I am filing this complaint with the CFPB to ensure compliance with federal law. 
Additionally, Experian is currently under scrutiny due to the CFPBs recent lawsuit regarding its failure to handle consumer disputes properly. This only further highlights the need for immediate corrective action in my case.
Product: Credit card

I received a offer from BMO Bank NA. For balance transfers on credit card balances for a 3.99 % for 15 months I currently have a balance on that same credit card thats at a 28.24 % interest rate. Before accepting the terms of the balance transfer I confirmed with the BMO representative that moving forward what ever payments I make on this card will apply to the higher interest rate balance of 28.24 % first until its paid off than apply to the 3.99 % after he said yes thats how its going to be I accepted the offer the balance transfer was for {$3100.00} with a transfer fee of {$120.00} totaling XXXX i sent a payment for {$1000.00} and on my bill it shows it all went towrds the lower balance instead of the higher balance. I have called BMO several times and was told no supervisor wants to take this call and hanged up on.
Product: Money transfer, virtual currency, or money service

Binance duplicated one deposit into 3 deposits on XX/XX/XXXX. So instead of {$400.00}, they took {$1200.00} from my bank account. I tried emailing them for weeks, but they won't get back to me. 

So my bank disputed the extra charges, then Binance deducted funds XXXX {$600.00} XXXX from my account. 
Then, they blocked my account from buying or selling or withdrawing money or cryptocurrencies. So I couldn't sell or get my money out of that account. 

I tried contacting them so many times, telling them I need my account back so I can sell my coins and not lose more money, i even told them to please just deduct whatever you want from my account and let me get my money out, I tried emailing them to ask them to help me get my money and close the account. I tried emailing them so many times, they never answered my emails and requests. 

Now I keep losing money and they won't even let me get my funds out of there, and they won't answer any emails. They don't have a phone number neither. They have locked my funds. 

Please help.
Product: Credit reporting

I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$990.00}. They were reporting on a XXXX XXXX credit card that I did not have. I disputed both accounts with XXXX XXXX, XXXX XXXX XXXX and all XXXX credit bureaus. Neither company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both companies and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all three credit bureaus to remove the incorrect information from my report.
Product: Mortgage

Dear Servicer I appreciate you assisting with matter. The matter remains unresolved. My tax payments being paid contract by XXXX continue to be applied to another party claiming ownership to my home. My concerns are third party continue to use my property tax statement and payments to claim ownership. As well as block refinance and title insurance to sale/buyer - options. At this time I want to keep my home. I may have no choose but to sale with constant abuse of my rights. The third party does not appear on title record as owner at no time. You have previously provided letter to confirm ownership in my name. Here is the latest email from XXXX  below ; Consumer Reported Issue : Incorrect owner for XXXX XXXX XXXX XXXX, XXXX XXXX, CA ( XXXX XXXX ) Hello XXXX XXXX, In an effort to assist you with resolving this matter I reached out to XXXX Dept of Consumer Affairs or XXXXDCA on XX/XX/XXXX and was referred to the Assessors Office / Ownership department. I spoke to XXXX in that department. XXXX confirmed the assessor record is accurately reflected as it was delivered to XXXX with the owner name of XXXX XXXX XXXX for property record XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. 

This information can only be changed by the county assessor within their property data records with the proper supporting ownership documentation. Therefore, I must suggest again that you please contact the county going forward to resolve any issue you may have with the source property records data that XXXX obtains from the county. XXXX has no authority to change the data. The contact information I used to confirm this information with the county assessor is : Assessor XXXX for English press XXXX, then press Option XXXX > Ownership. ( you will need your assessor identification number XXXX ) For your reference, the XXXXDCA, XXXX XXXX County Dept of Consumer Affairs phone number is XXXX. 

I sincerely hope this information helps, Thank you, XXXX XXXX XXXX Associate, Data Research & Resolution Enterprise Data Operations XXXX   Since XXXX I have worked with XXXX to correct record multiple times - the realist report etc after the legal team investigated title records. However this time I made the mistake by disclosing whom was assuring me at XXXX. Now XXXX claims tax accessors controls whom owns property - she stated to me directly XXXX  has corrected record multiple times and are not sure what to do. XXXX  currenlty holds the contract to pay my taxes - my question to XXXX whom is XXXX paying taxes on behalf of. The XXXX  title records reflects me as owner and third party as owner. 

The tax records are being used to STEAL my home. I have tried to resolve and have resolved some challenges except tax records. The tax record challenges continue to cause hardship in finances to name a few.
Product: Checking or savings account

Ive had alot of over draft fees with navy federal which cause them to take my money.
Product: Credit reporting or other personal consumer reports

Im extremely frustrated by the errors on my report that are unfairly damaging my scores and limiting my opportunities. These mistakes have already led to unnecessary rejections and financial setbacks.
Product: Credit card or prepaid card

To everyone reading my story, please have in mind that I am a CHASE private banking client, and if this is the way this bank treats their VIP customers, I can not even begin to imagine how they would treat their average banking consumers ... XXXX help us! 

On XXXX XXXX, XXXX I logged into my CHASE online banking account and noticed that all my 7 open credit card accounts were noted as closed. After calling the customer service, I was told by the agent on the phone that all she can see is that these accounts were closed due to bank 's policy and that I will receive a letter in the mail with more explanations within 7 to 10 business days. I also had a voice mail left on my phone from a woman named " XXXX XXXX '' from CHASE department of fraud operations with a phone number to call her back. I contacted this lady early morning the next day. She talked to me very rudely, and said that since few of my cards were stolen and CHASE was held liable for the large purchases made with these cards, I have put chase at undue risk for not being able to protect my cards and that she has gone ahead and closed all my credit card accounts. I asked her to reconsider telling her that I can send her a report of my finances along with police reports if required, but she declined and said the decision is final and there is no recourse. 
After a week, I finally received the aforementioned letter in the mail ( see attached ), and similar reasoning was used along with a few other things which I do not understand. For instance, in the letter, it says that the information received from merchants have linked me to the made purchases. If this is true, I do not understand why I have not been notified by the bank to take a look at this information. From my understanding, this is how a normal dispute process should proceed. Instead, I have been kept in the dark, and received a letter in the mail after 2 months saying that they have researched the charges and decided that my claim of unauthorized use is legit. What I can understand from this letter is that CHASE has decided to close all my credit card accounts because I have exercised my LEGAL right to dispute charges on my credit card accounts which I do not recognize, CHASE has lost money on me ( because of their own flawed system of fraud protection, not double checking with me when a big purchase is made which does not resemble my regular purchasing habits ), and so they have decided that I have put chase at risk and closed all my credit card accounts. THIS IS ABSURD. 
To be honest, up until this point, I have been a fan of CHASE bank. That is the reason I have kept a lot of money in my bank account to qualify for the private banking status and I would like to forget about what has happened to me and keep doing business as usual with CHASE. However, after this incident, If CHASE bank does not do right by me, and reinstate all my credit card accounts, I will make it my mission to make as much noise as possible on every social media outlets that I have access to, letting everybody know how I was treated as a private client of JPMorgan Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used Lexington Law from XX/XX/XXXX until XX/XX/XXXX I paid XXXX for credit repair services. I received nothing in return nothing was improved in my credit report. There were no indications that my credit had changed. I called them several times and message them to no avail. They would give me vague responses and nobody knew why I was taking so long for my credit to be fixed. They have yet to refund me for all of the services that I never received wow my account never changed in their hands. I want a full refund because I didn't get any of the services they claim to give nor did my credit get any better from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Continuity of hard inquiries were applied to my account after contacting the direct resources to opt out promotions, guarantees, and helpful sources that weren't applicable to my status and falsely promising to remove the hard inquiries that were applied from credit reports ; in which were NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE OPENED UP A STUDENT LOAN IN MY NAME FROM SALLIE MAE, NAVIENT IS COLLECTING FOR THEM. I PRESENTED THEM WITH A NOTARIZED IDENTITY THEFT AFFIDAVIT, ID THEFT REPORT, ALSO A POLICE REPORT IN WHICH I HAVE INCLUDED ( THROUGH UPLOAD ). XXXX  HAS REFUSED TO CORRECT THE MISTAKE, WHICH IS HURTING ME FINANCIALLY. XXXX  AND XXXX  HAS ALREADY REMOVED THE FRAUDULENT ACCOUNT. I KNOW OTHERS THAT HAS HAD THE SAME PROBLEM WITH XXXX, UNQUALIFIED WORKERS ARE HARMING CONSUMERS CREDIT. I BELIEVE ITS A SCHEME, AND THEYRE DOING IT ON PURPOSE.

FCRA 605B EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGE

NCY.OF : 1. APPROPRIATE PROOF OF IDENTITY OF THE CONSUMER. 2. A COPY OF IDENTITY THEFT REPORT. 3. THE IDENTIFICATION OF SUCH INFORMATON BY THE CONSUMER, AND 4. A STATEMENT BY THE CONSUMER THAT THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION BY THE CONSUMER.
Product: Credit reporting or other personal consumer reports

XX/XX/23 a formal dispute letter was sent to transunion to express my concern with a few items i deemed to be inaccurate. I have yet to receive any response or acknowledgement from them in regards to my dispute i wish to have these items correctly immediately.
Product: Credit card or prepaid card

19 fraudulent charges were made against my Citibank credit card on XXXX for XXXX ride-sharing services. I called Citibank on XXXX to dispute the charges and they cancelled my credit card over the phone. After two months, Citibank confirmed 16 of the 19 charges were fraudulent, but said the dispute I filed for the last three charges was denied and they determined I was responsible for the charges. I called again on XX/XX/XXXX to re-dispute the last three fraudulent charges that occurred on XXXX. The person I spoke to told me to email evidence I may have to support the claim that these were fraudulent charges to their security department at " XXXX '' and to write in the subject line " Attention : XXXX XXXX - Fraud Dispute for XXXX XXXX '', which I did. I sent screenshots of my XXXX history which shows I never used their service on XXXX and I sent screenshots of my other credit card transaction history, showing I was in a different state when the fraudulent charges took place. I never heard back from Citibank. I sent a follow-up email on XXXX to the same address asking for them to confirm they received my email on XX/XX/XXXX, but received no response from Citibank. I sent another follow-up email on XX/XX/XXXX to the same address, again, asking for them to confirm they received my prior two emails, but Citi did not send a response. 
I called Citibank on XX/XX/XXXX, spoke with a representative who told me they would credit my account for the last three fraudulent charges that took place on XXXX and the credit would affect my account in two business days. No credit was issued to my account by XX/XX/XXXX, so I called Citibank again. After being hung up on multiple times, I finally reached a stable representative. I asked about my dispute and that person said my dispute was denied ( again ) and she said that they never received my emails with the supporting evidence, showing the charges were fraudulent. I insisted that I sent them, she put me on hold, came back 5 minutes later and said they received my email on XXXX, but didn't receive the other emails I sent them. She said she could re-dispute the charges, but it would take at least 1-2 billing cycles to determine if the charges were fraudulent. 
I have been waiting almost four months for these fraudulent charges to be credited to my account, I've spent hours on the phone with Citibank, and I continue to reach people who barely speak English or simply hang up on me in the middle of the call. Is there any way someone at these offices can help me get my money back from Citibank?
Product: Money transfer, virtual currency, or money service

Subject : Request for Settlement Payment Overdraft Fees & Fraudulent Charges Dear Cash App Support Team, I am writing to formally request the settlement payment I am owed regarding overdraft fees and fraudulent charges incurred through my Cash App account. I have recently become aware of a settlement related to these matters, and I believe my account qualifies for compensation based on the fees and unauthorized transactions that have impacted my financial standing. 

I have previously experienced unauthorized transactions and excessive fees that resulted in overdrafts on my linked bank account. Despite attempts to resolve these issues through Cash Apps dispute process, I have yet to receive appropriate reimbursement. Given the nature of the settlement, I am requesting the necessary steps be taken to ensure I receive my rightful portion. 

Please provide clarification on my eligibility for the settlement and the timeline for disbursement. I would appreciate a written response or further instructions on any documentation I may need to submit to support my claim.
Product: Debt collection

Dear LVNV FUNDING/Resurgent Capital services ; XXXX XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

ABSOLUTE RESOLUTION INV ACCOUNT XXXX UNKNOWN COMPANY OR DEBT APPEARED ON MY CONSUMER REPORT XX/XX/2019. IT SHOULD BE NOTED THAT THE NATION WAS IN PUBLIC HEALTH OUTBREAK-COVID 19, THEREFOR NO DUE PROCESS NEVER TOOK PLACE TO HAVE DEBT VALIDATED, THIS DEBT IS NOT A VALID DEBT. ALSO, IT WAS PLACED ON MY CONSUMER REPORT WITHOUT MY CONSENT WHICH IS AGAINT THE FCRA.
Product: Credit reporting or other personal consumer reports

15 USC 1681 my information has been apart of a security breach and its altered my life drastically.