23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted and informed by the debt collection company that a lawyer will be contacted and they will sue me for debt owed. Lvnv funding LLC {$640.00} XXXX XXXX 2017. <P/>They were removed from my credit report and placed back on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report states that I have delinquent balances when I apply for credit but that isnt true it also say that I have a bad payment history and no revolving accounts everything they send out when I apply for credit is a lie because on there app and website it tells me something else
Product: Bank account or service

I closed a locker at my Bank of America branch ( XXXX XXXX, CA ) in XXXX 2016. They were supposed to refund my deposit of {$25.00} to my checking account. Its been 6 months and I have called them 3 times but nothing seems to happen. 

Can you help me get my $ $ back?
Product: Checking or savings account

I am custodian on 2 CDs that grandma purchased in the XXXX for XXXX grandkids. 

The CDs were purchased at CoreStates PA bank. They were setup for automatic renewal and no action was required on our part. They were placed in a safe deposit box at a bank to be redeemed when the kids reached maturity and the funds were needed. We have not moved our residence since that time and have received any notification from the bank regarding these CDs. 

We would like you to help us to redeem these CDs since the issuing entity, CoreStates PA, is unreachable. The initial CD amounts are {$5000.00}, and {$1000.00}. 

We have the original CDs and will send copies on request. 

Thank you, XXXX XXXX Custodian
Product: Credit card or prepaid card

On XX/XX/2023 I purchased a digital download of computer software from XXXX using a Vanilla XXXX  prepaid XXXX  Debit Gift card. the money was taken from the account the same day. I never received the promised confirmation email with the software download link and activation instructions. I called appleinsidershop.com at the number on their website, emailed their customer support and tried to chat with someone via the chat feature on their website. All to no avail. On XX/XX/XXXX I called the XXXX number on the back of my Vanilla XXXX prepaid card and spoke to someone in support. The woman told me she had processed a refund on my account and I would see it on my card on XX/XX/XXXX which is today. I logged in today and the refund was not there. I have spent over XXXX hours today on the phone being transferred from agent to agent at Vanilla XXXX and being lied to about their process, the refund status, and being denied to speak to a XXXX. I finally got someone who claims she was a XXXX. I told her I wanted to file a complaint about this transaction because I paid for it and never received it. I gave her my name, card number, and my phone number. She demanded my date of birth and an address " in case they needed to send me a check or a gift card for the disputed amount. '' I refused and told her I was not giving her any of my personal information. She refused to process my complaint. I was not asked for any personal details when I purchased this card and am not giving these people my XXXX, XXXX, or home address. I don't need or want a paper check, cash, or a replacement gift card. I need the monies refunded back to the card it was purchased on. This card does not expire until the year XXXX! 

There is absolutely no reason these people would EVER need to refund {$33.00} via a paper check, different gift card, or any other means 7 years from now! Their reasoning for trying to get people 's personal information beyond name, email, and phone is absurd. 

I need help getting this company to XXXX. Process a refund. I have emails proving I have contacted this merchant regarding this ; XXXX. Address the fact that this company 's staff routinely lies, misleads, and misinforms people about processing refunds for goods they have not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 a debt validation letter was sent to XXXX XXXX disputing the charges they've illegally placed on my credit report. XXXX did not verify my claim and update the account information on my credit report. 

This is a violation of the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete the inaccurate information immediately.
Product: Credit card or prepaid card

Applied for a credit limit increase on XX/XX/XXXX. Verification of income and sensitive tax information is being requested. This information was previously submitted during a previously requested credit limit on or around XXXX of XXXX. The issue I have with verifying this information again is that it has not just my personal information on the tax documents but also my husband 's. My husband 's concern is that because he is not an American express customer his information could be used to be marketed to or worst, compromised. American Express should have kept these documents on file as nothing has changed. Documents were mailed to XXXX XXXX XXXX, XXXX XXXX, TX XXXX via XXXX XXXX 

reference # XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXwo year old daughter PLEASE HELP ME PLEASE
Product: Credit card or prepaid card

On or around XX/XX/XXXX and again on or around XX/XX/XXXX someone has submitted a credit card application in my name. The first instance in XXXX was for a Bank of America-based credit card. The second instance in XXXX was a XXXX XXXX XXXX credit card. 

I have contacted both Bank of America and XXXX XXXXXXXX XXXX and notified them of the fraud. They closed the application for both of these credit card applications. 

I filed a police report with XXXX  ( XXXX XXXX XXXX Florida XXXX XXXX XXXX for the Bank of America credit card fraud application. I have not yet filed a report for the second fraud application for XXXX.
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 


XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX {$1300.00} Needs attention XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} Needs attention XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1200.00} XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have did disputes with XXXX and Transunion for over 8 months on inquiries that i disputed on their respected sites, going all the way back to XXXX XXXX they refuse to removed them, I've disputed the same items again multiple times since XXXX when i learned of them via my credit report. Their still there, I'm a XXXX XXXX XXXX XXXX XXXX XXXX, with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, i have to ride the city bus which exacerbates my XXXX I've been trying for over 8 months to get and auto loan. I've been turned down twice just recently, because when the Banks look at all the inquiries they get spooked. This is effecting my ability to get fair treatment in lending, a vehicle would give me more opportunity in the job market outside the bus areas. I've called them both and each time i wait and nothing changesXXXX 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. I've done all the appropriate things, to build good credit, i never been late on payments on the new cards i received over the last 8 months. I've explained this to the Car agencies and the answer is till no. I think if you look into this, it's discrimination going on in this current climate more than usual, PLEASE ASSIST THE DEAD OF XXXX IS COMING THANK YOU
Product: Debt collection

First contact was made on XXXX/XXXX/XXXX gentlemen informs me I have an outstanding balance on a loan. I inform the individual that I 'm not aware of a loan and would like to see a promissory note of some sort. The individual became rude, condescending and refused to provide evidence that I was ever responsible for the loan. So I informed the gentleman that I would not make any arrangements until proof could be provided. The gentleman then began making claims that they would proceed with legal action and verifying my employment. I then reinforced that no arrangement would be made and then asked that all communications cease. Since I have received calls on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax listed an account as delinquent when in fact the creditor simply has not updated payment status I have provided Equifax with proof that payments have been made on time and that all of my accounts are paid early and never late I contacted Equifax by phone and they refuse to correct their mistake. I discovered this situation while trying to get a credit increase so I could pay for funeral services my mother and was denied because Equifax reported I had " serious delinquencies '' when infact I have no delinquency!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX SOCIAL SECURITY # XXXX Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 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. 

Unauthorized Inquiries : Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Removal date XX/XX/XXXX Inquiry Name XXXX XXXXXXXX XXXX Removal date XXXX XXXX Inquiry Name : XXXX XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX Removal date XXXX XXXX Inquiry Name XXXX XXXX XXXX Removal date XXXX XXXX Inquiry Name : XXXX Removal date XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX Removal date XXXX XXXX Inquiry Name : XXXXXXXX XXXX Removal date XX/XX/XXXX Inquiry Name XXXX XXXXXXXX XXXX  Removal date XX/XX/XXXX Inquiry Name : XXXX XXXX date XX/XX/XXXX Inquiry Name : XXXX XXXX Removal date XX/XX/XXXX Inquiry Name : XXXX  Removal date XX/XX/XXXX XXXX XXXX
Product: Mortgage

We had our Mortgage with Ocwen and it was refinanced. our current lender and title company sent the funds to pay off my mortgage on XX/XX/XXXX. it is 30 days later and Ocwen/PHH has not resolved anything regarding this issues. we are very frustrated and don't know what to do. 
We have called the mortgage company Ocwen/PHH AND HAVE NOT RESOLVED IT. I AM NOW PAYING DOUBLE MORTAGES. 
TITLE COMPANY WAS XXXX XXXX XXXX XXXX XXXX WAS THE COMPANY THAT DID THE REFIANNCE OCWEN/PHH was my prevsoiu company that was supposed to be paid off.
Product: Money transfer, virtual currency, or money service

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

I XXXX XXXX hereby files a complaint with the Consumer Financial Protection Bureau ( CFPB ) as my only source to help me with a deceptive collection practice ( s ) from student debt collectors. As your agency may already be aware, the United States Department of Education recently terminated their contract with Navient, as well as other agencies that were supposed to be collecting on nationalized debts, that is debts truly owned by the Department of Education. However, the greed that exist within the debt collection community caught up with XXXX, and many others when the United States Department of Education suspended contracts for deceptive and illegal collection practices. A company known as XXXX claims that I owe a balance in excess of {$5000.00} in student loans. Even though I never took part in any procurement of a debt from XXXX, they ended up being the collection agency for a student debt incurring excessive interest and additional fees. I have requested through complaint to the company directly information as to what company owns this debt. Under the Fair Debt Collection Practices Act I am entitled to this information. I believe that if a debt does exist, it is part of a securitized trust that has been fragmented into small ownership by multiple national banks. There is no proof of ownership, no proof of any assigned power of attorney or assignment of responsibility for XXXX or its successor the Pennsylvania Higher Education Assistance Agency. So it looks like my credit will be dinged and damaged by another collection agency that has no stake in the debt described in the XXXX XXXX, 2016 letter of debt/collection transfer. A recent federal court decision in the XXXX XXXX XXXX XXXX XXXX gives consumers the right to sue the Pennsylvania Higher Education Assistance Agency for doing damages to my credit where they have no right to do so. I believe that I have a right to sue for damages under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. PHEAA has no right to collect just as my challenges to XXXX proved that they had no right to collect. What this agency is doing is trying to hold my credit hostage as a means to use deceptive and illegal collection practices against an American citizen. PHEAA must cease and desist from any actions against me on any student loan collections, and delete any references to a collection on all pertinent credit reporting agencies, and purge my file information permanently. PHEAA must comply with the FDCPA and show proof ow ownership or the connection to collect for any other entity by true copy originality.
Product: Consumer Loan

Our vehicle was reposed by GM Financial after we traded it into a dealer ship for a new vehicle. Before we could get the vehicle back it was sold at auction. The account was turned into a Charge off on our credit that shows we owe a balance and a payment each month, it was then given to a third party to collect the remaining balance. A judgement was then filed for this vehicle. 
My credit is now being hit twice each month, once for the Charge off with the balance and payment reflecting each month and the judgement showing a balance each month. 
We are paying our payment arrangements with the third party as we can no longer make a payment to GM Financial as they gave our loan to a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX  XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXnquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX 15 U.S. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!