23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts on my credit file that I believe were impacted by a data breach. As a victim of this breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), to have the accounts in question blocked and permanently deleted from my credit report.

The following accounts are the subject of this request : 1. XXXX  XXXX Bankruptcy Account # XXXX ( Filed : XX/XX/XXXX, XXXX : {$0.00} ) XXXX. XXXX XXXX Bankruptcy Account # XXXX ( Filed : XX/XX/XXXX, XXXX : {$0.00} ) XXXX. XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$0.00} ) XXXX. XXXX XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$28000.00} ) XXXX. XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$2800.00} ) XXXX. XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$8100.00} ) XXXX. XXXX XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$0.00} )
Product: Debt collection

On XX/XX/2021 I sent a certified debt verification letter per 15 USC 1692g Sec. 809 ( b ) of the FDCPA. to EXETER FINANCE LLC located at XXXX XXXX XXXX, XXXX, TX XXXX XXXX. 

On my credit report, Exeter has reported a balance of {$13000.00} along with other negative items that have affected my credit. On XX/XX/2021 at XXXX XXXX my certified letter was successfully delivered to Exeter Finance. Their offices failed to respond to the validation request within 30 days from the date of receipt and did not delete and completely remove the negative marks from my credit file. 

Instead, on XX/XX/2021 Exeter finance and XXXX XXXX XXXX XXXX stole my vehicle from my home which is private property. Not only did Exeter not respond to my certified letter requesting verification of the debt, but they have also violated the following laws : - 15 USC 1692g Sec. 809 ( b ) - 15 U.S. Code 1692e - 15 U.S. Code 1681- Illinois Statutes Chapter 810. Section 9-609.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report from National Credit Systems in the amount of {$830.00} dollars. It says it is from an apartment that I used to live in. I have no idea why this would pop up. I paid all rent and there is no negative information on my rental report that would show a balanced owed to XXXX XXXX XXXX. Furthermore, when I moved from XXXX XXXX to my new apartment, they sent a rental verification to my new apartment. It says that all rent was paid, never late, and that I would be a candidate for another lease If I wanted. 

This is not the first dispute Ive encountered with this company. I had to be moved from one of their other properties to their XXXX XXXX property after excessive and suspicious fees left and came back into my checking account several times. Luckily I was able to handle this internally with the management company. 

I am trying to handle this issue with the management company directly. Unfortunately, they are being very unresponsive. I have gone to their website and put in my information to receive a call from them to resolve this 3 times. They have not reached out to me at all. I have also tried to call their corporate office for an explanation. They do not answer their phone it goes to a full mailbox so I can not leave a message either. I even went as far as posting my issues on their XXXX page in the hopes somebody would reach out. This was also unsuccessful. This is why I am here filling out this complaint in the hopes I will get some clarity on this issue. 

I have documentation to back all of the claims made here.
Product: Debt collection

they call every day-hang up when I answer to tell them this is not " XXXX  '' number, When they leave messages they mention that name. Its a new phone to me but apparrently XXXX had this number before me.
Product: Checking or savings account

Ally advertised : " Open an eligible Ally Invest account, get a {$100.00} cash bonus. Ally Bank and Ally Auto customers can get a {$100.00} cash bonus when you open an eligible Self-Directed Trading or Robo Portfolio account, set up and complete at least three consecutive automated monthly {$50.00} minimum recurring transfers. The bonus will be deposited into your Invest account no later than 30 days after your third recurring transfer. '' I completed my third recurring transfer on XX/XX/year>. 

I asked the bank to confirm I will receive the bonus within 30 days of this date as promised. 

The bank refused to confirm whether I was eligible and met all requirements.
Product: Credit card or prepaid card

Hello, On XX/XX/XXXX I was charged {$9200.00} for a fence project by a local company. We agreed this money would be paid as a deposit, and the rest would be paid upon project completion. Months passed and I heard nothing back from the contractor. We have made multiple attempts to contact the contractor. 
XX/XX/XXXX I filed a dispute with Citi to inform them that I paid for a fence install and it was never started or completed.After providing supporting documents and evidence, Citi has ruled on XX/XX/XXXX that I am responsible. 

I have not received what I paid for. I have no fence and I am out {$9200.00}. Citi is refusing to take any accountability to protect me although evidence shows the contractor has gone MIA and isnt installing the fence I paid for. 

I have not received the service but they are expecting me to pay. Citi needs to fix this. They made me wait over a MONTH for a resolution, and arent giving me any good reasons as to why this wasnt resolved in my favor.
Product: Debt collection

The company Lvnv funding has been trying to collect on an account that is not owed to them. I have never had any business dealing with this company! The company has handled the matter in a totally unprofessional way! They are wanting a balance paid to them that is not owed to them! The account they are trying to collect for is not mines!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 subsection a, it emphasizes the importance of consumer reporting agencies fulfilling their responsibilities in a fair, impartial, and respectful manner towards individuals ' privacy rights. XXXX Equifax and XXXX are examples of such agencies, and as a consumer, I have the right to safeguard my personal information from being shared. This right is reinforced by 15 USC 6801, which states that financial institutions have an ongoing obligation to uphold customer privacy and protect the security and confidentiality of their nonpublic personal information. By definition, the " furnisher of information to credit agencies '' falls under the category of financial institutions. Moreover, 15 USC 1681 section 604 subsection a subsection 2 specifies that consumer reporting agencies can only provide consumer reports under certain circumstances and with the written instructions of the relevant individual. Neither the financial institution nor the consumer reporting agencies, XXXX Equifax and XXXX, have obtained my consent in writing or any other form. Consequently, any consent previously given to XXXX Equifax, XXXX, or the " furnisher of information to credit agencies, '' whether expressed verbally, non-verbally, in writing, implied, or otherwise, is hereby revoked. According to 15 USC 6802 subsections b and c, a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining to the consumer how they can exercise their option to maintain nondisclosure. However, the " furnisher of information to credit agencies '' failed to inform me of this right. Furthermore, as per 15 USC 1681C subsection a subsection 5, no consumer reporting agency is permitted to include certain adverse information in a consumer report unless authorized under subsection b or if the information is a record of a crime conviction that predates the report by more than seven years. Since this account is an adverse item being reported without my consent, it is a violation of the law. Additionally, 15 U.S. Code 1681s2 subsection A subsection 1 prohibits any person from furnishing inaccurate information about a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe it is inaccurate. Moreover, 15 U.S. Code 1681e mandates that consumer reporting agencies establish and maintain reasonable procedures to prevent violations of section 1681c and to restrict the provision of consumer reports to the purposes listed in section 1681b. XXXX Equifax and XXXX have not demonstrated reasonable procedures in this regard. Lastly, as outlined in 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.
Product: Debt collection

The first time I have ever received a phone call from IQ Data International, it was regarding a bill from an apartment from 5 years ago so I was completely shocked and not familiar with the account. This apartment I broke the lease in 2015 due to my youngest brothers passing due to XXXX XXXX, I wrote a formal letter to the apartment complex in advance to let them know I was relocating back to my hometown. The lady called me broke, told me I was a liar, threatened to call my mother ( co-signer ). I had an XXXX XXXX and have been very shaken when this company calls my phone. Today, I received another phone call to follow up from me calling in yesterday to get more information on the account ( which I am planning to handle ) again, I was spoken down to, threatened and leaving work because of my XXXX again.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open 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. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Experian, XXXX and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


According to the 15 U.S.C 1681 section 602 A. I have the rights to privacy These addresses do not belong on my credit report : Name : XXXX XXXX. I Do not go by this name. 

Addresses : 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 am a human being. I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. They have violated my rights several times. I demand the accounts below to be removed from my credit report because according to 15 USC 1681 I have the right to privacy and did not give Equifax written permission to furnish these accounts.
Product: Mortgage

Ditech Financial LLC, seems to have creative accounting practices. I had a " Green Tree '' mortgage that was moved over to Ditech due to their legal issues. I have incurred an advanced debt on my account. The debt I was told, occurred in 2011 for property maintenance that was conducted on the home. My account was charged over {$200.00} to cut the grass and various charges that are excessive. These fee 's are very questionable at best! I have called Ditech concerning paying off the debt. I was told to send a separate check with written direction on where the extra money is to be applied too. I have written on the check and the payment coupon on where the extra money is to be applied you. I have done this countless times. They have taken the money and applied it to either my escrow, advanced interest, or in an unapplied balance account. My escrow now has over the amount need to pay my property tax. I pay my own insurance. I also have balance in my unapplied balance account. They never apply the money to the advanced debt. They continually charge my mortgage a monthly late fee and a property appraisal fee.
Product: Debt collection

Stellar Recovery recently reported a { {$210.00} } collection account on my XXXX credit report. Prior to this account appearing on my report, Stellar Recovery never supplied me with a notice of right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX XXXX ACCT # XXXX as a ( OPEN ) acct with no Limit a balance of {$2300.00} with a payment of {$60.00} XXXX XXXX reporting on the same acct # XXXX acct was closed XX/XX/XXXX but still being reported as paid on time XX/XX/XXXX with a Limit of {$2500.00} a balance of {$2300.00} with a payment of {$60.00} on a reported of a closed account. 
XXXX XXXX XXXX ACCT # XXXX is reporting no limit {$0.00} balance {$1800.00} closed but reporting as of XX/XX/XXXX payments on a closed acct of {$93.00} with a Remark stating account closed by creditor. XXXX XXXX is reporting the same name with a acct # of XXXX with a limit {$1700.00} balance {$1700.00} acct closed XX/XX/XXXX still reporting as of XX/XX/XXXX with a payment of {$93.00} on a closed acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX {$450.00} XX/XX/2016
Product: Money transfer, virtual currency, or money service

Hello, This is a follow up and an escalation to the previously filed complaint : complaint ID : XXXX As it was advised by a Citi Bank representative during a phone call on XX/XX/XXXX, I circled back with the sending parties -- XXXX and XXXX XXXX XXXX and advised them to submit yet another wire recall request. Unfortunately, Citi Bank is ignoring multiple wire recall requests, and the issue is still not resolved, Citi Bank has been holding my well-earned money since XX/XX/XXXX. I am attaching the wire details again. I do not understand what to do to move forward. 

Thank you, XXXX XXXX
Product: Debt collection

I have been paying Levy and Associates fake law firm for a credit card debt for more than two years anywhere from XXXX to XXXX a month. The current amount is XXXX a month. However when I asked them why the balance is not down or furthermore resolved she sent me to another line that hung up on me. I called back and it then stated they were busy at the time and leave a message. Well I left a message and no call back. I called back a couple more times only to get the same recording. I called my bank and stopped payment but this lasts one year. I feel like I was scammed and want my money back.
Product: Student loan

They started garnishing my wages up to amounts of 400 a month. I can not live with that much being taken out of my checks. I also received two letters yesterday with two different amounts with the same account number. I was never offered income based repayment. They offered that I pay a monthly fee plus what they were already taken out of my paychecks to get on a repayment plan. The cost would have equaled over 500 a month. I would get emails to defer but I 'm confused on what loans I 'm deferring if they were already taking all my money to survive from my paychecks. They are sending documents to my old address in Ohio which I have n't lived at in over 2 years and I have told them this. Again, how am I supposed to know. I am now under the assumption that I have paid to mich and the amount of financial distress put on me over the past year is sue worthy. The XXXX it 's put on me, my work, my life and how XXXX it made me when they made me feel like I had no other options. I want this made right. It 's disgraceful that a company treats people like this. I would work 7 days a week and would n't see my overtime because navient takes so much from me. This situation needs to be address and fixed and I need compensated for my money spent, which I have no idea where it went, my emotions, XXXX, XXXX, time.
Product: Mortgage

Select Portfolio Servicing operating from XXXX XXXX XXXX, UT and XXXX FL SPS seems to be deliberately vague and non-responsive to any requests for conditional lean requests for the purpose of closing an existing mortgages. According to my escrow agent XXXX XXXX from XXXX and XXXX XXXX XXXX ( XXXX ) XXXX, SPS has habitually taken 25 to 120 days to provide a conditional lean release CLR that is commonly required by a buyer 's Loan Company in order to finalize loan documents for a sale. Such delays can result in buyers having to back out of sales contracts.

Current status on my interactions. 
On XX/XX/XXXX, I sent an email to SPS requesting that my Escrow officer be added as a thrid party to my mortgage account for the express purpose of selling my property On XX/XX/2023 SPS provided an payoff amount but did not provide the requested CLR. 
XX/XX/XXXX ( XXXX ), I talked to XXXX XXXX SPS and requested the that SPS XXXX a CLR to my escrow agent. She " filed the request for approval '' and stated all further communications to be sent to the Ombudsman office at the ( XXXX ) XXXX number. 
XX/XX/XXXX ( XXXX ) I talked to XXXX XXXX the ombudsman office and he escalated the request for review. XXXX XX/XX/XXXX ( XXXX ) I talked to XXXX who said request was still under review. 
XX/XX/XXXX ( XXXX ) I talked to XXXX who indicated request was still under legal review. 
It seems that a conditional lein release is proforma and should be a simple and quick review. It should not take days to review and send out. 
SPS is deliberately delaying in order to extract one more month of interest on my loan.

Their phone process is also faulty. If you provide the account number after three cycles on the hold system you are sent to voicemail ( not acceptable ). If you do not provide the account number they pickup on the first or second cycle ( acceptable delay ).
Product: Checking or savings account

This bank online mobile banking ghost account. Etc bill pay or XXXX  both establishes ghost account ran by online Bill pay or XXXX  employees to hold your money into it to pay your bills supposed at your request. I do not use this feature nor do others, however,. Unfortunately, PNC bank online banking and XXXX or XXXX employees as well as transactions via debit card department is taking my direct deposit funds as I apply and send to my account hacking into my account via an alert by watching when I login and literally pay my bills with my direct deposit to strangers, themselves and friends. I contacted occ which the case is still going, FDIC and antitrust and the bank is continuing the fraud. The fraud works like this. The direct deposit get released on Tuesday, but won't update until Wednesday into your bank account, bill pay or quicken must be online banking or mobile banking staffs or via debit card transactions put bills in on Tuesday while the direct deposit was released waiting .The direct deposit never hit your account on Wednesday. Because bill pay or quicken employees spent it.
Product: Mortgage

I purchased my property through a sheriff sale on XXXX XXXX, 2015 in XXXX XXXX, CA. Cashier 's check was provided to the sheriff 's office for all the outstanding liens and obligations. The sheriff recorded and transferred the property to me on XXXX XXXX, 2015. Around XXXX XXXX, 2015, I received a notice of default from Ocwen Loan Servicing , LLC . The notice informed me of Ocwen 's intention to proceed with the foreclosure of the property. It took 2 months of me trying to establish communication with Ocwen and {$35000.00} in legal fees to finally realize the basis for their claim. Ocwen argued that they had not received payments. The original loan amount paid off by the sheriff 's office to Ocwen was {$250000.00}. Ocwen was now demanding and additional {$44000.00} to stop the foreclosure. Upon subpoena of sheriff 's record, it was found that the payment for the exact amount of loan was mailed out to the address provided by Ocwen promptly after the completion of the sale. Ocwen refused cooperation and the investigation into what happened with the check. Furthermore, Ocwen tried to quash the subpoena for their internal records to clarify the mystery of the lost check. In a court appearance on XXXX XXXX, 2015, the judge 's interim decision was that Ocwen needed to stop the foreclosure proceeding, fill out and sign under oath, a statement indicating that they had not received the check. This statement needed to be forwarded to the sheriff 's office before another check could be reissued. Ocwen did not forward the signed letter to sheriff 's office until XXXX XXXX, 2015. After 6 months of deliberate delays by Ocwen, now that they have the reissued check, they are asking us to pay an additional {$13000.00}. or face foreclosure. The attorney for Ocwen knows that challenging their outrageous demand, will cost the consumer much more in legal fees. Therefore, the helpless consumer will most probably choose to pay the unjust fees than to go through a costly legal battle and/or face foreclosure. Ocwen has created a cloud on my title. Ocwen 's lack of cooperation, excessive and deliberate delays, as well as their reluctance to resolve this matter is due to their policy of adding up costs and fees for the consumer. They do not conduct their business in an ethical and honest manner.
Product: Debt collection

On XX/XX/2018 I called Diversified Consultants regarding a collection on my Credit from XXXX. I asked the representative to send proof that the debt is mine and the representative stated she could send a copy of my bill. I told the representative that that is not proof. Representative argued that a bill is proof and that i would have to pay the balance to get removed. 42 days later I received a bill in the mail with charges but no actual validation of the debt. Called again and was given the same run around. I have no knowledge of the debt and the company is refusing to provide proof or to assist with removing inaccurate information.
Product: Checking or savings account

My account was restricted my access to mobile deposit was taken away from me with no valid reason. 
On or around XX/XX/23 I submitted a picture of check Which they said wasnt clear I called rep said continue to input until system accepts a clear photo I awoke to restricted abilities I called again they made me submit security appeal over and over and over and still wont contact me w live rep as requested to explain why Im being discriminated against as the last two reps said they cant see a valid reason why its restricted. 
I also like to add the mobile check was cashed by my other institution with no problem.