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

Experian is reporting a false account on my report. Which is a clear violation of my rights under the FCRA. As I have never done any buisness with XXXX XXXX XXXX XXXX whatsoever I have no verbal or written agreements with this entity and no Proof was ever garnished as 30 days have come and gone which is another clear violation under the FCRA I have a right to privacy and factual credit reporting as a tax paying consumer.
Product: Mortgage

My name is XXXX XXXX and I want to submit a claim against Seterus. On XXXX XXXX, XXXX my bankruptcy case was dismissed. Seterus sent me a letter in XXXX XXXX, XXXX before my case was dismissed which was a sign of harassment. I was advised by my attorney that once the bankruptcy was dismissed the " creditors '' would start contacting me, but Seterus never did. I decided to call them in XXXX XXXX to see what was going on and to see what my options were as to where my home would n't be compromised. The phone just rang.. Shortly after I was disconnected. This has been going on for a while. Eventually I went on the internet to send Seterus a request on getting some type of assistance to avoid foreclosure, but their address was n't on the website and it stated that they had a class action going on against them. Since I could n't get in touch with them I assumed they were either out of business or we no longer had any business. XXXX XXXX, XXXX I received a letter from Seterus ' attorney stating that my home would be going up for auction XXXX XXXX, XXXX. XXXX XXXX, XXXX I spoke to a representative of Seterus to see if I could try doing a loan modification and I also requested my original documents stating the business I have with Seterus. The following week, I called XX/XX/XXXX and the XX/XX/XXXX to see why the documents I requested were not sent to me yet. I was advised they ended up sending it to my bankruptcy lawyer after I informed them I no longer had an attorney and they specifically asked for my address to where I wanted my information mailed to which was my HOME address, not my former attorney 's address. Because of their mistake they advised that I should take off work and try to get things handled on my own time. I advised them it was a reason I needed my documents and modification application mailed to me, but it does n't seem like they were really trying to help me. I was also advised that one of my request for my original documents were denied and that they were going to send for the request again. Now, it 's no telling when I will be able to get this information mailed to me and they have my house scheduled for auction on XX/XX/XXXX. I attached recordings of me conversing with a few representatives on different days. PLEASE help me stop this auction I need my home..
Product: Student loan

I went to XXXX. Its parent company being XXXX. I attended the XXXX, PA location from XX/XX/XXXX to XX/XX/XXXX. I got a federal loan and XXXX Genesis loan to help pay for my education. I have been paying on the Genesis loans since XX/XX/XXXX. I have paid {$5000.00} interest on a {$10000.00} loan and only paid {$500.00} on the principal balance. I recently found out about the lawsuit against XXXX and the settlement that was reached in XXXX of this year to forgive 40 % of the genesis loans to those who qualify. After speaking with several people at Genesis and the CFPB, I was informed that I needed to file a complaint to have my case reviewed but that I should be eligible since I started late XX/XX/XXXX.
Product: Mortgage

On XX/XX/19 in the amount of {$4000.00} was taken from my checking account after the loan with Lakview was paid in full, due to a refinance through another company. 

Lakeview Ln Srv Mtg Pymt XXXX XXXX XXXX XXXX XXXX {$4000.00} I have since tried calling them numerous times and have also emailed them asking for my money back. I was since laid off inXX/XX/2019and need my money back asap so that I can keep up with my new mortgage payment. The account was closed and paid in full, and I do not understand why the amount was ever even taken in the first place! They have said a check was sent out, when it wasn't. Then asked me if the amount was included in the escrow closing amount, and it wasn't. I had to wait a month to have a new check reissued and they again would not send it with a tracking number. This has now been almost 3 months!
Product: Debt collection

I have sufficient evidence the debt in question is not in default, and has been in repayment based on the agreed upon terms of {$200.00} per month since XXXX with the Department of Defense. Furthermore, the amount that is stated as owed is incorrect and should be corrected to reflect the actual balance due. My records indicate the amount outstanding after the four subsequent wage garnishments is {$9600.00}. While in administrative review, I expect the amount in question to be held constant and only be netted down in the even a wage garnishment is applied. The exhibit below shows the payments made since XX/XX/XXXX, showing consistent and continual payments. 


Secondarily, I object to the administrative fee that was applied to the note of approximately {$5000.00}, which represents approximately $ 41 % of the total outstanding loan balance. This practice and act was not approved and I gave no prior consent to adding this fee, it is also applied in error as this should have never been moved over in the first place to the US Treasury and should have been kept and housed within the DOD repayment website. This fee amount represents predatory lending practices and is a fee that is unconscionable, especially since the 10yr US Treasury Yield is 2.668 % as of XX/XX/XXXX. The mere size and existence of this fee is unacceptable ; in other terms it represents 2 years of hard work and labor paying down the note. 


As of XX/XX/XXXX - Four wage garnishments have been extracted from my pay in the last 36 days equating to {$3700.00} challenging my ability to pay my normal monthly bills and living expenses to support my wife and child. 
An agent of XXXX XXXX XXXX stated they were unwilling to accept a settlement agreement along with not responding to my formal request for a hearing.
Product: Debt collection

I was never informed that negotiation was an option. I tried contacting them at least 8 times over a 2 month period and was never able to reach anyone ; when I left messages, no one contacted me back. I only received a first notice, then another bill labeled first notice, but never a final notice. Then suddenly I was being reported to collections. The collections letter mentioned nothing about a " grace period '' before it was reported to my credit report, but on the phone, after informing the operator I can only afford to pay $ XXXX/month, at the very end of the conversation she informs me that I have until the XXXX of this month ( about 3 weeks ) to pay the full amount or else it goes on my credit report. Even if I am actively paying toward my balance, it will still be on my report. Nowhere in writing was this grace period stated. The communication has been evasive, misleading, and omitted details, and the operators were not only rude but also evasive and did not properly disclose the information until I dragged it out of her by asking repeatedly if there is anything else I need to know. If I had n't asked her that repeatedly, there is no way whatsoever that I would have known I could negotiate, that there was a mysterious " grace period '' that I had to pay off the full amount ( less than 1 month is not remotely enough time to be called a " grace period '' ), or that I will still be reported to collections even though I am actively paying off my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with XXXX that this is not my debt and that this is fraudulent activity. The amount is {$620.00}. The following are the report dates on my credit report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with XXXX  and XXXX  regarding incorrect information. Numerous Disputes have been submitted They each have duplicate accounts which is damaging to my credit. I have requested this to be fixed but each time I contact I just end up with a new dispute and never a resolution. I have duplicate auto loans and duplicate collection accounts.
Product: Checking or savings account

XX/XX/2020 I was supposed to get a unemployment deposit and checked my account and it showed that it was on pause. 

several of my payments bounce, resulting in overdraft fees. I contacted the bank and I understood that they were going to reverse the fees. When I double checked they only reimbursed a partial amount of {$8.00} approximately per fee and kept the rest. 

XX/XX/2020 I contacted customer service again, ask for a supervisor and they said that because I had accepted this Arrangement the first time that he would have to forward it to there consumer advocacy Department. 

I explained that it was as a result of covet and that I did not understand that that was the arrangement the woman was providing. She was not clear when I called. 

I am still waiting for unemployment that is pending, even though there is no issues that I am aware of that is holding it up. I would like full reimbursement for the fees that were taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are in violation of the law for reporting inaccurate and misleading accounts.
Product: Debt collection

I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account.
Product: Debt collection

I closed my Amazon account with a XXXX balance last summer, about 8 months ago. Every consultant I have spoken to has indicated that I would not have been able to close the card if the account wasnt paid, now I am being harassed for over {$300.00} in late fees and surcharges. How does one acquire late fees and surcharges on a closed card with a XXXX balance. I have requested records more than 3x, and still have not received anything from Amazon to validate or sustain their claim that I owe them a debt.
Product: Debt collection

Ability Recovery Service LLC has continued to harass me about debt that is not mine. The company sent me a written response on XX/XX/XXXX through this portal that they will cease all communications after I sent a complaint to CFPB concerning harassment as well as a mailed letter to the company requesting cease of all communications. On XX/XX/XXXX a representative from Ability Recovery Service LLC named XXXX called and harassed me again. I'm requesting again for this company to stop all communication ASAP. If not, I will be taking legal against this company.
Product: Vehicle loan or lease

Honda financial services agreed to honor offer extended for type XXXX XXXX but since Im unable to communicate with loan originators when I go to dealer they keep denying me and multiple hardpulls of credit without one extension is a written accepted offer not a binding agreement anymore. Or do dealers not have to make terms actually available that they advertise or offer and permitted by the CPFB to bait and switch consumers and not follow any lending guidelines or regulations and scamming consumers by offering online buying on website but service does not exist they just make a purchase order and sell the car to you without you and never acknowledge sale even if your able to comprehend what theyre doing. Oh and each dealer claims they dont sell cars online. Not physically but back office they sure do.
Product: Checking or savings account

somehow my account was hacked, and someone deposited a check from a mobile device and withdrew 2000 $ do being that the account went negative i was charged late fees as well as my paycheck that was deposited was taken for something I DID NOT DUO WHEN I CONTACTED XXXX XXXXXXXX XXXX associate hung up on me and told me there was nothing, she could do they ended up closing my account. this happened. Between the months of XXXX. 


''I no longer have access to the accounts for documentation. ''
Product: Debt collection

A.R.M. Solutions is trying to collect a debt of {$100.00} for XXXX XXXX XXXX from XX/XX/2022. 

I spoke with an ARM representative multiple times & told them that I did not agree to this service and it was preformed when we were selling our home. Apparently XXXX auto-renewed our plan with them and sent someone out without our consent, performing treatment while we were not home. I told both XXXX & ARM that if they could provide me with documentation of my agreement to this service, I would pay the bill. I have not received any response. 

I called both companies today to make sure this was resolved. Each company told me they could not help me and that I would have to call the other company.
Product: Checking or savings account

On the morning of XX/XX/year>, I walked into US Bank located in XXXX  ( XXXX XXXX  XXXX XXXX  XXXX ) and spoke with teller/Branch Manager XXXX XXXX to assist me with my account. After realizing who I was XXXX  began to cite a script to me stating that my account was being closed without explanation. I asked for a reason and recent bank statements for the account and yet again she repeated her script of the US Bank policy & procedures about closing accounts upon their discretion with no explanation required. She then followed up with asking me for my identification to pull up the account to proceed to close the account ( with an available credit balance of {$9000.00} ) and issue me a check for the funds available, I declined. After about 10 minutes of pleading for an explanation and how I feel violated and discriminated concerning the matter, XXXX then dismissed herself from the counter to her office and closed the door. Since then, ALL account information from the checking account in question has been scrubbed from my customer profile leaving no evidence of its existence. To-date, my funds have NOT been returned to me neither was I properly informed of any suspicious activity on the account to report to XXXX for a XXXX report .
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB collection dispute complaint. 

OnXX/XX/2023, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research, this account was transferred/ sold from one account to XXXX XXXX XXXX 



I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house.
Product: Debt collection

XXXX/XXXX internet is harassing me and has sent me to a collection agency, for a bill/internet contract that is not mine. I rented a room in my home to a XXXX XXXX XXXX XXXX, who apparently entered a 2 year contract with them, before moving out just a few months later. ( moved out maybe XX/XX/XXXX ). 
At some point their failed attempts to collect from XXXX, they decided to attach my name to his contract, since I also live at the address. After them confirming I wasnt part of the account and had no access to information on the phone, they sent my name to collections. 
I called XXXX again XX/XX/XXXX, and they claimed there was no account. I provided the number on the mail, they said I owed XXXX . They said i entered the contract when they intalled the satillite ( they claimed XXXX ). I informed them I was at work on a XXXX XXXX  shift that day. I informed them i never had the chance to sign, and wouldnt have knowing XXXX reputation for outstanding debt collectors. They then claimed I entered the contract verbally at some point I wasnt aware of. This cycle continued, XXXX saying anything they could to scare me into paying XXXX debt. 
Informed the self proclaimed supervisor named XXXX, I have enough stress, and my time is valuable, if my credit is belmished by this corperations unethical and illegal attempt to scare me into paying a debt that isnt mine, I would take legal action. He told me to do that. 

XXXX phone XXXX collection agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently disputed a fraudulent account on my credit report from Acima Bank. I submitted a dispute to have it removed and I received a response from Acima stating " there is not enough evidence to show this lease is not mine '' and I have to submit a police report for them to terminate the lease. Acima NEVER sent me a letter before reporting this on my credit, that is a VIOLATION of the FDCPA. 15 USC 1692g CLEARLY states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

None of this information was sent. If you claim it was, send proof. Acima has told me that it is my responsibility to prove this alleged debt is not mine when in fact, it is their responsibility to prove it is.
Product: Debt collection

I have sent two certified letters ( See Doc 1 & 4a,4b ) requesting validation bearing my signature for a Capital One credit card in the amount of {$470.00} that I am currently disputing. I have proof that my letters were signed for and received. ( See Docs 2 & 5 ). Not only did they fail to provide me with proof of MY SIGNATURE validating the debt, they failed to update my account status as " disputed '' with the 3 major Credit Bureaus in the required 30 day period. Please note ( DOCUMENT 3 ) which is a copy of my XXXX report dated XX/XX/17 ... more than 30 days after Capital One received my letter of dispute, it does NOT have the account marked as disputed. By not placing the disclosure within the 30 day period Capital One has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or The Fair debt Collections Practices Act Section 807 ( 8 ). 
Capital One continues to send me copies of billing statements for this account which does not constitute validation of debt.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  I reached out to a company explaining that there are some items on my credit report that wasn't approved by myself. They didn't assist me properly with resolving the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on these account. I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Open : XXXX XXXX, XXXX Balance : {$3000.00}, XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$7600.00}, XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$2000.00}, XXXX - XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$820.00}, XXXX, XXXX. XXXX Date Open : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$5000.00}, and XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$5000.00}. Please update.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There have been several accounts opened without my consent and are reporting on my credit report. I have filed a complaint with the FTC as well as disputed the inaccuracy of the account with the creditor. This account has not been removed from my report, it continues to be updated and verified when in fact it does not even belong to me. I have a fraud alert on my Experian credit report and was not contacted prior to this account being opened. This fraudulent account is making it very hard for me to obtain credit or to purchase a home because it is reporting as a derogatory trade account. More than XXXX times I have contacted the creditor and the reporting agencies and nothing has been done. The account is severely past due and accruing more interest and reporting with a negative history. As a consumer it is unlawful to be held responsible for an account in which I had no affiliation. I am requesting that the accounts listed on my FTC report be deleted and blocked.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it states inquiry from discover bank national credit card service. That I never did an inquiry for I dont have a discover card.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER BANK XXXX 15 USC 1681 B SEC 604 Permissible purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal jury.

2 ) in accordanance with the written instructions of the consumer to whom it relates. 

I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone Discover please understand that i know a list of transactions is not a form of validation to be able to report my information or share it with any third parties please cease these actions. 

Small claims court and consumer law attorneys have told me i am eligible to make a small claim requesting payment for defamation if these keeps happening after i disputed it which ive done already. 

Your company is not authorized at all to share my information. Im not asking you to verify anything VALIDATE AND PROVIDE ME PROOF THAT YOU HAVE MY WRITTEN CONSENT TO SHARE MY NON PUBLIC INFORMATION