23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : LVNV Funding XXXX XXXX XXXX Reason : NOT MY ACCOUNT It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Product: Debt collection

Portfolio Recovery Contacted My Boyfriend about a debt I had with XXXX  XXXX over 15 years ago. The debt is for XXXX XXXX They told my boyfriend about how much I owe and asked him to make the payment. The time of the call was XXXX am on XX/XX/2019.
Product: Checking or savings account

On XX/XX/XXXX, i deposited a check for {$7300.00}. in a local chase atm. Funds were set to clear on XX/XX/23. on XX/XX/23. i noticed my account has been restricted. i called chase and talk to the fraud department told me the restriction was triggered automatically by my deposit & would be lifted once the funds cleared. XXXX came and my funds were still locked in my account. I was told chase cant find a verified number for the business that issued the check and they are making me responsible for them not being able to do their job. the funds cleared my account but i am still in restriction.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX is responsible for stealing my information and creating loans as well as stealing my personal information. He has been arrested for multiple counts of stealing information. A police report was made and he has done this to numerous people.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries currently showing and listed on my XXXX, Equifax and XXXX XXXX credit are unauthorized and not my hard inquiries : XXXX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Total Select, XX/XX/XXXX, XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XXXX. XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX has refused to provide me with any documentation regarding the alleged debt or with any contact information for her company. I have asked for the debt to be validated every time we have spoke and she either ignores my request, states that " it has been to long now and she does n't have too '', or says that " They do n't have to provide me with information/validate the debt ''. Additionally, I have requested that the company to cease and desist contacting me. XXXX XXXX has ignored my request and continues to call. They claim the debt is from unpaid rental fees, and I do not owe it.
Product: Checking or savings account

On XX/XX/24 I received an email saying my Chime accounts all had been closed. When I called Chime, they said they couldnt tell me why because it was for my protection. I had to talk to someone overseas I couldnt understand. I finally got an email saying a check would be sent to me via mail with the money that was in my account. I still have not received anything and when I emailed Chime yesterday, they sent me a canned response and I got more emails saying my account was closed yesterday. I have all of the emails and would be happy to provide them to you for more detailed documentation. I see there is a way for me to attach documents here, but is there an email I can simply forward them to?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than record by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Equifax XXXX  I can't get a score from MY XXXX or the XXXX app. They say I have 2 credit reports under my SSN and offer no fix. It's so difficult to get someone on the phone. It's basically impossible to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : DEPTEDXXXXBalance {$1100.00} DEPTEDXXXX-Balance {$2100.00} XXXX XXXXXXXXBalance {$3900.00} XXXXXXXXXXXX-Balance {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

I sent the letter to stop all automatic drafts on my account in XXXX XXXX XXXX by telephone. 

I also request it to be done XXXX. They hit my account 2 times. Would not return the money.
Product: Credit reporting or other personal consumer reports

I SENT DISPUTES IN WEEKS AGO, DISPUTING INACCURATE ACCOUNTS REPORTING ON MY CONSUMER REPORT. YOU VERIFIED THAT THE ACCOUNTS WERE ACCURATE IN REPORTING AND SHOULD NOT BE DELETED. THESE ACCOUNTS HAD DIFFERENT DATES REPORTING BETWEEN ALL XXXX BUREAUS and makes it an FCRA violation. HOW DID YOU VEIFY THE ACCURACY OF EACH ACCOUNT? I am now requesting the " Method of Verification '' you used on each of these accounts that are reporting on my consumer report. I need in detail all of the information that was given to you. if you can not give this to me or if you do not have it, then you are to delete these accounts immediately from my consumer report. ( YOU HAVE 15 DAY TO COMPLETE THIS ) or ( I WILL START LITIGATION THROUGH THE CFPB ITSELF FIRST FOR DAMAGES UNDER THE FCRA ) Delete these accounts immediately : ( XXXX  XXXX  -- Account # XXXX ) ( XXXX XXXX XXXX -- -Account XXXX )
Product: Debt collection

This is NOT MY ACCOUNT. ... to begin with, I dont owe XXXX anything as I was never in a contract with them and havent had their services. That being stated, please provide me with the original signed consumer contract bearing my signature showing what services theyre alleging I received so I can take the original consumer signed contract to my police department. I am not and havent been a XXXX user. 
My local law enforcement is pretty direct when it comes to bringing all of the facts and proof in, when filing a police report so please get that to me ASAP. 
This is also your additional notice ( other than when I called ) of me informing you that this is NOT my account. 

Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I sold a XXXX XXXX Lighter on PayPal ( Item  # XXXX ). PayPal states the sale Total as {$9.00}. 
2.9 % Commission plus XXXX cents is XXXX cents. PayPal charged XXXX cents. 
Upon calling PayPal at their number XXXX there is no Customer Service Employees Working due to the XXXX Virus ; not from their houses, not from their bedrooms. They then disconnect me. 
PayPal Inc. Attorney XXXX XXXX never answers his telephone at ( XXXX ) XXXX ; it is unknown where he is working from. 
They have a new " Resolution Center '' on their website, but it is inferior and as soon as PayPal is noted as the one in Error, the PayPal Inc. Resolution Center sas " there is no problem to resolve '', and disconnects.
Product: Debt collection

I am writing to formally file a complaint regarding an inaccurate negative item reported on my credit file by Transunion. I have reviewed my credit report and found a discrepancy that I believe has been mistakenly reported by the credit reporting agency.
Product: Money transfer, virtual currency, or money service

I made a transfer from XXXX XXXX XXXX to wells fargo. XXXX never received payment from well fargo because they claim they dont do online transfers. Wells Fargo still wants me to pay transfer balance when I already payed XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent a payment of {$50.00} to my friend, XXXX, through Venmo for a specific purpose. However, after I completed the transaction, I discovered that XXXX 's Venmo account is in collections. As a result, instead of XXXX receiving the funds, the money was diverted to pay off a collections debt. 

This outcome was not what I intended when I initiated the payment. I did not authorize Venmo or any third party to redirect my money to satisfy a collections debt, and the funds were not accessible to XXXX, which defeated the purpose of the transfer. 

I contacted Venmo customer service several times to explain the issue and request a refund of the funds, since the money is no longer serving its intended purpose. However, Venmo has repeatedly refused to return my money, stating that the payment " made it to XXXX, '' even though the funds were actually intercepted by the collections process. 

I believe this is an unfair handling of my funds, as Venmo has facilitated the diversion of my payment to an entity I did not authorize. I am requesting that the Consumer Financial Protection Bureau help resolve this issue by having Venmo return my money, as the original purpose of the payment was not fulfilled.
Product: Mortgage

In XX/XX/XXXX I got laid off from my job that I had been working at for 18 years, I called my Mortgage Company which is M & T bank and notified them of this and they told they would send me out a modification package. I called a company that deals with FHA housing to help that I got from M & T bank and I started the modifications packet through the hardship housing company called the Neighborhood Project Foreclosure Prevention Program , M & T bank would not let this the company come in and help they kept stating that they wasnt getting the authorization form from the company and it had been faxed to them 4 times with a confirmation saying that it was received by M & T bank. So I had continuously to keep working with them giving them every form or information they needed from. Than they sends me a denial letter stating that Im not enough months behind on my Mortgage so they cant approve my modification I applied for. I was told this over the phone as well on XX/XX/2020 with a manager in the mortgage department. This makes no sense to me that you would deny someone who has got laid off from work and only owes XXXX on there house and only have 2 plus years left to pay. Why would you deny anyone whos asking for help while there in a crises. They put it of on FHA saying it was FHA that denied the modification because I wasnt enough months behind on my Mortgage. I dont know what is the truth at this point. This is the far most worse Mortgaging Company I have ever seen and I owned a house before I became home owner of this house. I wish I can just get some type of help. I dont wan na loose my home. This company doesnt care. All they do is be very rude with you and have no compassion for homeowners. Why would you deny someone of a home modification because their not enough months behind M & T bank?
Product: Debt collection

I am writing to formally dispute a debt claim being made by LVNV Funding LLC. The debt collector has contacted me regarding an alleged debt from XXXX, which I do not believe to be valid or accurate. Based on my records and understanding, I do not owe this amount and question the legitimacy of the reported debt. 

At this point, I do not consider this debt to be a valid claim, and I request that you provide full documentation and verification of this debt, including the original creditor and any supporting details. Until this is resolved, I will not be making any payments on the alleged debt. 

Please acknowledge receipt of this dispute and provide me with a response in writing Thank you for your attention to this matter.
Product: Mortgage

We have been trying to get information regarding PMI cancellation from our mortgage servicing company and they have not been able to get us what we need after months of trying and countless hours talking to many people within the organization. I have met all the requirements that I believe is necessary to have PMI cancelled per their guidelines however every time we meet them, they move the goal posts and say we no longer meet them. Example : We got our XXXX ( loan to value ) ratio down to below 78 % as that is what they wanted to have it cancelled. After doing that, they came back and said we are no longer using the original value of the house as the basis for XXXX. We are using something called XXXX ( automated valuation model ) which was much lower than what the house was assessed at and paid for the house 3 months prior. Because of this much lower XXXX amount, it will take much more money to get to 78 % XXXX. Also, last time I called they changed the XXXX ratio needed to 75 %. Lastly, they added that we need to make substantial XXXX to the house before it can be cancelled. We just bought the house of our dreams 3 months prior and it does not need major upgrades at this time. Putting + $ XXXX into the mortgage should suffice in place of making tangible XXXX to the property considering we just moved in. While we have been given the run-around every week for months, we are still paying the PMI every month which I assume is why they are stringing us along.
Product: Credit reporting or other personal consumer reports

HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. i recently did an investigation on my credit report and i am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy.

You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says i have the right to decide what i deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802- I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or had provided to the consumer a notice, which i have not received. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My name is XXXX XXXX. I am the owner of The XXXX XXXX. I am filling a formal complaint against TRUIST BANK. This will be on record and if not resolved I will be filing a class action lawsuit against the company. For the record, I did file a formal complaint today with a supervisor over the phone at TRUIST BANK as she said she would not be able to transfer me to anyone else higher than her. I contacted ( XXXX ) XXXX on today XX/XX/year> at XXXX approximately 42 minutes on the recorded line. 

To elaborate on my situation. I viewed my business account and had money in my account in the amount of XXXX cent. I spent XXXX cent at my local XXXX. However, the company is saying the did not see that XXXX cents on their end. I am not sure why because, I viewed the amount in my mobile banking app. Upon doing my own investigation. I noticed that XXXX updated my transaction which I am unaware of that through my business account off XXXX cent. This put me in an overdraft in the amount of XXXX cent. I then received a notification from my bank telling me that I was charged a overdraft fee in the amount of {$36.00} dollars. I called immediately and told the representative that this is a misunderstanding, the money was in my account. Also, I never signed anything regarding overdraft protection nor any overdraft fees. The rep then stated that I did not have to acknowledge anything, as this is automatically done if you over drawl any amount. I stated that that information was not disclosed to me when opening my account. Also, if I would have know that, I would have never used the card for XXXX cents. Furthermore, I was unaware of me over drafting, because my mobile banking app said the money was there. If the money was not there, then TRUIST BANK should have never authorized that payment, because I do not have overdraft protection. 

I was charged {$36.00} dollars because my account went over XXXX cents. That is extremely ridiculous. I am telling TRUIST BANK to refund my account in the amount of {$36.00} dollars. I will put two cents in my account to cover the transaction. If this matter goes unresolved, I will be filling an investigation on the company and a lawsuit for other consumers along with myself. Just imagine how much money TRUIST BANK is embezzling over unnecessary fees. I will not stand to get robbed by this bank. 

If this matter is not resolved in 30 days, I will no longer be doing business with them and will be taking the next steps in legal action. 

XXXX XXXX XXXX XXXX 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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

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

XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$490.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My fianc and I financed a car thru at called USAUTO in XXXX XXXX GA back XX/XX/XXXX. AWESOME car it was 14,000 ( est. ) well we was having financial problems and they came and got the car XX/XX/XXXX. We got back on our feet and called about trying to recover the car, I was told that the car was sold at a auction for XXXX but theres still a remaining balance that we have to pay of XXXX. I have been received phone calls but no letters. Its on my credit and its hurting us because I dont understand why I have to pay a remaining balance and they already sold the car. PLEASE HELP
Product: Credit reporting or other personal consumer reports

XXXX recently updated a paid and closed account of mine with a new account number, which resulted in a significant drop in my credit score.