23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent LVNV a letter to have the collection account removed but they continue to ignore me. Three years have passed, my credit score has remained BAD due to LVNV 's constant erroneous reporting of an account that IS NOT MINE but they and the credit reporting agencies ignore any attempts by me to have it removed. I'm at the point that I need CFPB 's help. They *will* listen to you. Today, as LVNV continues to report this collection account illegally, I'm in the position that I have to find another rental home. Due to LVNV 's illegal reporting, it's almost impossible. I need them to remove this collection account from my credit reports A.S.A.P.! 
Lvnv Funding Llc Opened XX/XX/2015 - {$160.00} Original creditor : XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 

Balance {$160.00} Highest Balance {$160.00} Opened XX/XX/2015 ( 5 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC section 604 ( A ) sec 2 a consumer reporting agency cant furnish my account without my written consent. I have a charged off account from Prestige Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. Under 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report under certain permissible purposes, such as a valid application or an account review. I assert that there is no permissible purpose for the reporting of this charged-off account under my credit profile. Therefore, I demand that this account be deleted from my credit file immediately. Additionally, I request that you provide me with the following documentation to substantiate any claim of permissible purpose : XXXX. Evidence showing that I consented to or authorized this reporting under the FCRA. XXXX. Any agreements or contracts that prove a legal basis for the continued reporting of this charged-off account. If you can not provide adequate documentation, this account must be removed from my credit report without delay. Please consider this as a direct dispute and take action to correct this inaccurate reporting within the timeframe stipulated by federal law.
Product: Mortgage

I am enrolled in a HAMP modification. My rate has prematurely increased from 2 to 3 % and I have not received the $ XXXX a year good faith principal reduction.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These are the items that need attention : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XX/XX/2023, XXXXXXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$11000.00}, XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00}, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my report and there is no way to contact Experian about this. 

Experian will not let me login on their website. They will not confirm my identity. When you call it says they can only transfer calls in limited circumstances. Every phone ends with the machine hanging up on you. Beyond frustrating to try and deal with this.
Product: Credit card or prepaid card

On XX/XX/2020 a timeshare company opened up a credit card under Comenity Capital Bank for {$5900.00} to pay off the timeshare. There has been some discrepancy with the transaction during the selling process where in a promised service was not delivered. Although it was not mentioned on the contract signed, I have provided a sheet where the agent stated said service as well as an e-mail conversation. I file a dispute on XX/XX/2020 and received a response around XX/XX/2020 saying it was rejected. I filed another dispute on XX/XX/2020 and just confirmed today XX/XX/2020 and it has been rejected as well. I have provided enough proof that the transaction was deceiving and aggressive and yet the company refuses to dispute the charge. I have also informed them that a separate complaint has been filed against the Timeshare Company through the XXXX Government.
Product: Debt collection

I have lived in Utah my whole life. Last year I noticed a collection on my Credit while I was applying for an Auto Loan. The collection I found was from XXXX XXXX XXXX for some apartment in California. 

I have never lived in California. I have been living in Utah my whole life. I have a signed lease for a place in Utah. I tried reaching out to the apartment in California where the Collection Company CBI says the apartment was rented. When I reached out to property the " XXXX XXXX on XXXX '' the person who answered at the front desk said the property management company that filed the collection was fired for not properly vetting their tenants. I have not been able to find any numbers to this property management company who filed the collection. I have reached out to the Collector CBI many times. They keep saying they are investigating it but never do. 

I mailed a letter in the format suggested on FTC.gov to CBI the collection company. They sent a letter back showing a copy of the contract. It looks like the signatures were all electronic. 

There is other weird things listed on the copy of the lease CBI sent me like some old XXXX car but the license plate was not listed. It shows a move in date for XX/XX/2019 and a Move out date for XX/XX/2019. I was living in Utah at the time and would never want to live in California I have filed a police report. 

I have mailed letter a few letters and made several calls. Filed a police report. Followed every step on Identitytheft.gov. I can go back and search bank statements or credit card charges that show I was in Utah if necessary. I am shocked that any type of property management company would blindly rent to someone without checking an I.D . in person. 

I have perfect credit except for this and I now can't buy a home or even move and rent another home because of this fraudulent collection. 

I have attached my rental agreement from XX/XX/2019 for the place in Utah I was living at and that I am currently living at.
Product: Debt collection

I called Synchrony on XX/XX/ to cease and desist communication as they have no legal right to collect on any debts. They agreed but {$45.00} was deducted from my bank account on XX/XX/ after they agreed to stop automatic payments and remove my payment information. I attempted to call them to have the payment reversed but the two different reps I talked to today put me on a ridiculously long hold of over 15 minutes both times. 

Lastly, I sent an e-mail today to Synchrony to request that they reverse the payment by the end of the day that they attempted to collect since they did so fraudulently and after I revoked my consent. This has not been done so I will be reporting it as fraud to my bank to ensure that the money they attempted to illegally obtain gets credited back to me as the rightful owner.
Product: Debt collection

For the text message received from Global Lending Services. Their hours of operations for a call back are not valid. I called 2 times on XX/XX/year> to go over payment arrangements. The hours stated on the company phone advised of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I called XX/XX/year> at XXXX before XXXX and was advised the office/ phone line was closed. This does not follow their operation hours for customer call backs as provided on their message system for customers. The phone numbers provided were XXXX and XXXX.
Product: Checking or savings account

On Thursday, XX/XX/XXXX, I discovered several unauthorized transactions on my Chime debit card totaling in excess of {$2000.00}. I immediately locked my card and contacted Chime to report the unauthorized charges. Within hours I received notification that my claim had been denied and was informed that I could request a copy of the information that had been used to reach that decision. I initially submitted that request for information on Friday, XX/XX/XXXX, and was told that it could take up to 10 days for the request to be processed. 

In the intervening time and with no explanation, Chime closed ( and locked me out of ) my account. When I finally received the information I had requested, it was in the form of a link to a Chime webpage that I could not access because my account had been locked. I informed Chime support of the issue and requested that the information be sent in some other form, and after 10 more days I received the exact same email I had received before containing a weblink. This happened 2 more times ( culminating in a 2 hour long phone call with Chime support on XXXX XXXX ), and each time I received the same response. 

Chime will not allow me to appeal their decision without having any new information to provide them, but I dont have any new information to provide ( on the one hand ), nor do I have any understanding or insight into whatever information they used to reach their determination ( on the other ). 

I found it remarkable that Chime was able to reach that decision so quickly ( on XXXX, nonetheless ), until I did more research and learned that many other people have had a similar problem with Chime and that the problem seems to be more about the dollar amount of the claim than anything to do with its validity. As far as I can tell, Chime has essentially aided in the theft of {$2000.00} from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 went to XXXX XXXX in XXXX XXXX Texas and inquired about getting new car they specifically stated they will do a soft credit pull, but unfortunately they did a hard pull, then today XX/XX/2022 I get a report on all 3 credit bureaus about hard pulls on like 20 companies that I don't know off nor have heard them, contacted the companies and they don't have an account with me after not giving me an explanation on who authorized or when or why, called XXXX, called the credit bureaus, called everyone and no one has an answer no one is taking responsibility I'm now stuck with hard inquiries that will be in my credit report that I have no knowledge of
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

CONSUMER MORTAGE COMPANY CREDITOR : CONSUMER MORTAGE COMPANY DATE ASSIGNED : XXXX, 2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX COMPANY. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was saying I owe XXXX {$580.00} dollars for a phone bill I never had
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Mortgage

my name is XXXX XXXX and my mothers name is XXXX XXXX. And XXXX XXXX my mother and myself agreed to start the home buying process we went to a lender through XXXX from XXXX Washington her name is XXXX XXXX and XXXX XXXX my mother and myself agreed to start the home buying process we went to a lender through XXXX from XXXX Washington her name is XXXX XXXX. At that moment we paid a credit check amount to have her overlook our credit at that moment we got preapproved for a {$270000.00} loan we found a house that we loved started the process got to the under writing portion part of the homeowners process we were set to close on XXXX XXXX of XXXX. XXXX called on XXXX XXXX stating that she ran XXXX XXXX 's credit and somehow her credit score went down XXXX points. According to XXXX XXXX 's records the statements that XXXX indicated about past due accounts on student loans is false XXXX XXXX has paperwork from the department of education stating nothing is past due. XXXX did n't say at that point we are not able to get the to the home. when XXXX XXXX spoke with her XXXX said " XXXX up the ball I did not look over paperwork correctly and I am truly sorry.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2019 This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Mortgage

i owe 6 months due to sickness and ask them to lower my monthly mortgage so my wife who is the only one working can be able to pay, she has 3 months right now to pay and the company is refusing to take the payments
Product: Credit card

Being pushed into getting a store credit card such as ( JC Penny ) Marshall 's ) TJMax ) at check out cashiers are relentless so saying no should be no. Also saying it will not effect your credit score, is intimidating when I no I do not want the credit card at all.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Unauthorized Inquiries on Credit Report Due to Identity Theft Introduction I am writing to formally lodge a complaint against TransUnion regarding the persistent unauthorized inquiries on my credit report, which I have disputed multiple times due to identity theft stemming from various data breaches over the years. Despite my efforts to rectify this issue, I find myself in a frustrating cycle of disputes that have not led to a satisfactory resolution.

Background of Identity Theft and Data Breaches Over the past several years, I have been a victim of identity theft, which has resulted in unauthorized accounts being opened in my name and numerous inquiries made without my consent. These incidents are often linked to significant data breaches that have affected millions of consumers. As a result, my credit report reflects inquiries that do not accurately represent my financial behavior or creditworthiness. 

Dispute Process with XXXX I have initiated disputes with XXXX on more than four occasions regarding these unauthorized inquiries. Each time, I provided documentation supporting my claims of identity theft, including police reports and affidavits. However, despite following the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ), XXXX has failed to remove these inquiries in a timely manner or provide adequate explanations for their persistence. 

The FCRA mandates that consumers have the right to dispute inaccurate information on their credit reports and requires credit reporting agencies like XXXX to investigate these disputes thoroughly. However, it appears that XXXX is not adhering to these legal obligations, as evidenced by their repeated failure to resolve my disputes satisfactorily. 

Violation of XXXX Rights The continued presence of these unauthorized inquiries on my credit report constitutes a violation of my consumer rights as an American citizen. The FCRA is designed to protect consumers from inaccuracies and fraudulent activities affecting their credit profiles. By allowing these inquiries to remain despite clear evidence of identity theft, XXXX is undermining the protections afforded under this law. 

Request for XXXX XXXX Given the circumstances outlined above, I am requesting that XXXX take immediate action to remove all unauthorized inquiries related to identity theft from my credit report. This request is not only justified based on the evidence provided but also necessary for restoring my credit standing and ensuring compliance with federal regulations. 

I expect a prompt response outlining the steps that will be taken to address this matter. Failure to resolve this issue may compel me to escalate my complaint further through regulatory channels or seek legal recourse. 

Conclusion In conclusion, I urge XXXX to take this complaint seriously and act swiftly in removing the disputed inquiries from my credit report. The ongoing impact of these inaccuracies is detrimental not only to my financial health but also infringes upon my rights as a consumer.
Product: Debt collection

PORTFOLIO RECOVERY ACCOUNT NUMBERs : XXXX and XXXX and XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO RECOVERY or any company associate with this account # XXXX and XXXX and XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

This company keeps calling my phone # and I have asked them not to call me anymore. I told them they need to only communicate through mail we me about this so called debt. Below is just a few dates they have called. There are many more that I did not write down. 
XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX
Product: Vehicle loan or lease

USAA FED SVG BK- XXXX XXXX  Closed account XX/XX/2020 I did not receive any notices by law for the car by USSAA FED SVG BK XXXX XXXX bank no notice to retain the car. 
My husband and I was going threw a divorce when he took the car change all information and insurance. I was a victim of XXXX XXXX. My husband lost his rank in the XXXX and discharge him on base. I could not find the car or knew where he was or the cars. 

I don't understand why I never received any notices after writing the bank and getting the run around. Every time I call it was another person never no one person. Some one going to call back but never call to resolve none of the issues at hand.
Product: Mortgage

In XXXX, The now XXXX XXXX, XXXX XXXX XXXX secured a personal residential construction loan to build a home. At closing, the HUD XXXX XXXX, showed she paid off the lot where the home was being built for {$61000.00} +. However, the XXXX paid off the lot for {$16000.00}. From XXXX XXXX insisted that I, XXXX XXXX XXXX XXXX contract to build her home, and I took her money, which she collects {$100.00} per month in restitution due to her false misrepresentations in XXXX XXXX XXXX XXXX and is still able to practice making residential mortgage loans at XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, in XXXX XXXX XXXXXXXX XXXX and XXXX XXXX ( XXXX XXXX ) the correct XXXX, did an Order of Dismissal in Favor of me ( XXXX ), however, the XXXX XXXX XXXX won't clear my Good Name or stop collecting restitution for a debt I do not owe. From XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX me that it did not have jurisdiction to make me quit my job or surrender any of my XXXX XXXXXXXX licenses, however, they have not provided any Orders of recompence or financial assistance that will assist me to get back on my feet. Please Investigate as my Civil Rights and XXXX XXXX XXXX are being Violated as a XXXX XXXX who has been improperly imprisoned, unlawfully seized, and have lost my home, personal property, and ability to perform work on XXXX XXXX and at the XXXX XXXXXXXX. 

Additionally, from XXXX, while employed at XXXX and now XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX small business and personal accounts that I had with XXXX and XXXX in XXXX XXXX XXXX XXXX XXXX XXXX sensitive data about me, including that I was going to receive Pension from my ex-husband 's XXXX XXXX XXXX XXXX XXXX well as stating that I had a $ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX wasn't even aware that I had. This information was only accessible because she is an XXXX with access to systems that I know nothing about. She accessed my accounts and used my personal data without my expressed written permission and without my knowledge and did not disclose it to me but tried to use it against me to obtain additional money and property from me without the proper authority. This is a violation of a licensed residential mortgage bank loan XXXX 's code of ethics, policies and regulations.