23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CFPB and LVNV Funding has closed this investigation as a duplicate debt, however the Collection agency continues to avoid submitting documentation that proves this debt is owned by LVNV Funding and has a right to collect or place derogatory information on my credit report. I am requesting AGAIN all documentation from ORIGINAL creditor. In addition, PROOF of ownership such as BILL OF SALE that gives LVNV Funding the right to request any amount of payment from me when the debt they purchased was made in a bulk sale to the creditor. It does not include me and I do not owe LVNV Funding or its subsidiaries any money as a result of this debt. 

If I do not receive the BILL of SALE or FINAL proof this debt is validated as a debt I owe I will sue both LVNV Funding and its subsidiaries in the amount of {$1000.00} in compensatory damages for every complaint submitted to CFPB, and include {$50000.00} in punitive damages. I will add CFPB as a co-defendant for allowing this collection agency to continue to report information on my credit report in violation of its own policy. The credit has failed to obtain the original documents and has relied on copies of documents that may be altered, insufficient, and do not complete for the purposes of validating and verifying if the debt is known or unknown to the debtor and the creditor for that matter. The creditor does not have enough information to identify if the debt is valid. 

Finally, I am requesting under section XXXX - Proof of record retention. All documents retained as of last activity ( XX/XX/2023 ). Documentation of collection activities made by the creditor. Copies of documents provided to the consumer as evidence that the debt collector provided the information required by section XXXX and XXXX. Communication of collections and communications that you were in good faith attempting to collect the debt in recent months ( after last investigation ) instead of placing the derogatory information on my credit report without providing proof of debt and collection efforts creating dormant or ghost debt. 

They are also reporting a balance on a debt that I do not owe. I want proof that I owe LVNV Funding payment.
Product: Checking or savings account

This is a complaint against Morgan Chase bank, and their unconscionable, profit making scheme called " overdraft fees '. 

In the past year I have PAID CHASE BANK {$1400.00} IN OVERDRAFT FEES. 
CHASE, in return, has done me a BIG FAVOR, of reversing 5 charges on my business account for a total of {$170.00} I believe Chase has manipulated its processing system to where instead of looking for " credits '' first, it will debit a consumer account, if the consumer falls into their TIME TRAP, to make deposits. 

I am in California. Most if not all of the overdraft fees I have paid I believe the funds were in the account on the next business day, but because they had not been deposited before " XXXX XXXX Eastern Standard time, '' regardless of whether a deposit was enough to cover any overdraft, Chase refers the customer to their " boiler '' policy which only allows them to reverse 3 or five transactions in a 12 month period for {$170.00} but its okay for them to XXXX THE CONSUMER for {$1400.00} XXXX XXXX was sued and had to pay a settlement on its overdraft fee policy. 
Chase was apparently sued in XXXX ( below is the beginning of an article on a case initiated in Florida in XXXX. 

It is important to note that nearly every transaction for which I have been charged these overdraft fees were CHASE TO CHASE, CASH DEPOSITS. 

I called today to try to get some relief from 7 overdraft fees. I started in the " XXXX '' and worked my way to a manager in the XXXX who gave me their standard XXXX telling me about the Pamphlet that allows them to do this. 

I saw an article online that indicates a lawsuit being filed against Chase for XXXX. 
If Chase has violated the law in any way, i want a refund of ALL OVERDRAFT FEES they have charged me. 

The Chase policy is " unconscionable ''. I have seen internal memos of Chase bank where they have discussed how their overdraft protection program is designed as a " profit making program ''. I do not even mind if my account had to be dinged at some point and Chase wants to make a profit for covering a charge. I believe, however, the Chase system is rigged against the Consumer. 

I got nowhere pleading with them for some relief today from these fees. 

Here is my information. 

Law Office of XXXX XXXX XXXX Chase Bank - General Account ending in " XXXX '' XXXX XXXX, XXXX. 
XXXX XXXX, California XXXXXXXXXXXX FROM ARTICLE FOUND ON XXXX TODAY : XXXX XXXX XXXX has agreed to pay {$110.00} XXXX to settle a class-action suit challenging the way it charged debit card fees to customers who spent more than what was in their accounts.
Product: Student loan

I was sent a letter from my loan servicer Mohela saying that interest was being accrued during my forbearance due to the injunction of the SAVE plan by the federal court system. It specifically said on the federal student aid website that when our loans associated with the SAVE plan that were federal put into forbearance that interest WOULD NOT ACCRUE during this forbearance.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX : Account Number : XXXX : Balance : {$210.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$460.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX Balance : {$860.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX : {$780.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX : Ref : XXXX XXXX inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a complaint with Cfpb last year - complaint id : XXXX-XXXX My complaint was resolved and Navient stated that they removed the incorrect reporting of a late/ missed payment in XX/XX/XXXX. However it has come to my attention that Navient has averted the complaint by adding / shuffling late / missed payments reported to my credit bureaus. 

Navient removed a late/missed payment reported XX/XX/XXXX as requested, however they reported a late missed payment in XX/XX/XXXX when removing the XX/XX/XXXX remark. 
As stated in my first letter to Navient, I began making payments under this plan starting XX/XX/XXXX. 

Navient also shuffled the XX/XX/XXXX payment and XX/XX/XXXX payment as well when I stated I had not been late a full 30 at this time either.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I have saw that XXXX different lender run my credit report and that I didnt authorize them to do it So under the law code 15 U.S.C 1681 I will like them remove off my account
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing me significant distress and concern. I am a victim of identity theft and have reported the incident. It is crucial to address this matter promptly, as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX alleges State Farm did not pay XXXX and XXXX and instead is coming after me over the balance discrepency. As per the terms of our contract I do not owe either company any money. These two companies need to figure out the problem. I am not liable for payments XXXX XXXX XXXX deems were not paid by State Farm. XXXX, XXXX, and XXXX must correct the balances on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer report has furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card as an open-end consumer credit plan as late for any purpose.
Product: Consumer Loan

This account should it be pay by the loan unemployment insurance and they did n't and end it reported in my credic files
Product: Credit reporting or other personal consumer reports

To make it as easy as possible to get credit toward PSLF, I switched from the student loan servicer Nelnet to XXXX. This loan servicer change went into effect on XX/XX/XXXX 

I was notified on XX/XX/ that my credit score decreased rapidly. This decrease in my score was due to my credit report falsely showing that I have identical loans through both Nelnet and XXXX. 

Thinking it would take time for my credit report to accurately reflect the correct information, I waited until XX/XX/ to submit a dispute through XXXX. I received an email on XX/XX/ from XXXX stating that my dispute was " resolved. '' This is incorrect as my credit report still reflects that I have identical student loans through Nelnet and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car loan for a XXXX XXXX XXXX with XXXX was paid in full back in XXXX. Soon after XXXX sent us the title to my vehicle as normal when you pay off a vehicle. However, XXXX is reporting to Equifax that there is still a past due balance of {$1100.00} and this account is in collections. I have contacted Equifax and requested an investigation and to verify that this account was not paid in full. I have also requested that Equifax send me documentation, names and numbers with regards to their investigation that this is being reported accurately. I also sent Equifax a copy of the title I received from XXXX, advising that the title is sent when the loan has been paid in full. How can I have the title from XXXX if I still owe a balance. This account is paid in full.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE Credit Card with account # XXXX opened on XX/XX/XXXX and a balance {$680.00} written off. {$450.00} past due as of XX/XX/XXXX. 
This account was transferred to a debt collector and I no longer owe money to this creditor but its still showing a balance due.
Product: Credit reporting or other personal consumer reports

This account was sent to collection on XX/XX/year> but it has never shown a history of late payments nor the initial balance of the debt with the original creditor, this account does not belong to me and I do not know it. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, MIDLAND FUNDING add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I paid my COMENITY Jcrew card account in full ( {$650.00} ). I then was charged interest on my account and was not recieving my bills ( the statements we being sent electronically to an email account that was no longer being used ) and since I had paid off the account, I did not realize that I was being charged interest and subsquently late fees. On XX/XX/XXXX I recieved a paper notice in the mail that notided me that my account was past due and I immediatly paid my account balance of {$29.00} ( this was the interest and late fees that had accumulated over the time since my payment in full ). I have tried to speak with COMENITY about this and the only recourse the have provided me was to file a complaint. Please help-this is clearly a mistake and not an intential effort to not pay my debt. I paid my account balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I initiated a dispute with Experian requesting a method of verification for two erroneous accounts that were " verified '' as belonging to me. Pursuant to my consumer rights with the FCRA, I have a right to an explanation and description of the procedure used to determine the accuracy of your XX/XX/XXXX and XX/XX/XXXX investigation. This is pursuant to the Federal Credit Reporting Act section 611 ( 15 U.S.C. 1681I ) ( 7 ) Description of Investigation Procedure. In addition, pursuant to this law, Experian had 15 days to respond.

Today, XX/XX/XXXX, would have been 15 days therefore I called Experian to check the status of my " Description of Investigation Procedure '' dispute. I spoke to a representative and a supervisor who both stated no letter has been generated as it relates to my above dispute. In addition, neither representatives had any knowledge of the above FCRA law. They both stated my XX/XX/XXXX was put in a 30-day dispute. I told them pursuant to the Federal Credit Reporting Act section 611 ( 15 U.S.C. 1681I ) ( 7 ) Description of Investigation Procedure my dispute should have been put into a 15-day dispute. They were both clueless and had no idea what I was talking about. They were no help at all and not privy with FCRA consumer rights. XXXX, a supervisor at Experian, went on to say my letter mentioned nothing about a method of verification, which is a bold face lie. My letter was very clear with what it was intended for. I attached it to this complaint. It's clear as day!

Experian received my Method of Verification dispute on XX/XX/XXXX. By law, they were supposed to respond within 15 days, which would beXX/XX/XXXX. Instead, they put my dispute into a 30-day dispute which will be resolved by XX/XX/XXXX according to both representatives I spoke to. I feel Experian is being noncompliant and negligent in this matter which has caused me major undue emotional and financial stress. My next and final step will be to file a civil lawsuit in my county if this matter is not resolved immediately! I am a litigious consumer and my husband is a XXXX XXXX XXXX in XXXX, XXXX county. I am done playing this game with you EXPERIAN! They are destroying my life by reporting erroneous accounts.
Product: Money transfer, virtual currency, or money service

I am a prospective new customer. I visited Remitly 's website where I was presented with a marketing offer that stated 'No fees on your first transfer with Remitly '.

Remitly 's marketing of no fee transfer for first customers is misleading and inaccurate. There were no disclosures on their website ; but rather, Remitly hid the additional fees ( i.e. credit card fees ) in a link to their terms of conditions. This to me is unfair and deceptive. I researched the CFPB 's guidance on marketing claims and was surprised to find out just last month there was recent guidance by the CFPB to not market no-fee transfers without properly disclosing. I think hiding the additional fees in a link within the XXXX & XXXX 's in intentionally deceptive to a consumer. I had thought I was going to get a 'free transfer ' when in fact my transaction did not qualify for a free transaction.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint regarding my experience with [ Your Financial Institution 's Name ] and the Zelle payment platform. Despite multiple attempts to resolve issues and seek assistance, I was met with inadequate responses and a complete lack of action, which I believe violates fair consumer practices.

Specifically, I encountered the following issues : 1. On multiple occasions, I mistakenly sent money to unintended recipients via Zelle. Upon discovering the errors, I promptly contacted XXXX  to request assistance in retrieving the funds. 
XXXX. I was informed that there was no action I could take to recover the funds, as Zelle transactions are considered final. 
XXXX. Despite my repeated requests, XXXX failed to open any formal investigation into my claims, leaving me without recourse or adequate support. 

I believe this response, or lack thereof, contradicts the protections afforded to consumers under applicable laws and regulations. Furthermore, it highlights systemic issues with how financial institutions and Zelle handle disputes and errors, often leaving consumers vulnerable and unprotected.

I kindly request that the CFPB thoroughly review my case and consider how Zelle and financial institutions can be held accountable for their failure to investigate and assist customers in these situations.

Please let me know if additional information or documentation is needed to assist with your review. I appreciate your time and attention to this matter and look forward to any updates you may provide regarding my complaint.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX   XXXX.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX balanced {$680.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments were reported on my credit report for the following. 


XXXX XXXX - XXXX late - 7 missed payments XXXX XXXX XXXX XXXX XXXX 2 missed payments
Product: Prepaid card

My money came up missing with cashapp after I paid for gas I reached out they played blind eye like they did not see anything and they didnt not know. What happened to my money. And I let them know when my card was locked the money was there and after I unlocked it and used it and locked it back double my money was gone. And they could care less.
Product: Credit reporting or other personal consumer reports

I first attempted to contact Equifax to proactively update a Consumer Statement on my credit report, and inquire about missing data in my customer portal. I was told that there is a systematic glitch and to call back in a week. About one month later I needed to access a new line of credit that requires an automatic pull of my Equifax credit report. The lender is completely blocked from pulling my Equifax credit report despite multiple attempts, and confirmation that my report is unlocked and not frozen. My personal information is verified and accurate. I am able to see a credit score in the Equifax customer portal and nothing else. The error message on every screen states, " We are temporarily unable to complete this request. Please try again later. '' On the Equifax customer dashboard I receive the error message, " Your Equifax credit report summary is currently unavailable. Please call our Customer Care team at ( XXXX ) XXXX or try again later. '' After further investigation, I found that my credit report became inaccessible after XX/XX/2023. One Equifax employee described it as an internal lock that requires IT intervention with no timeline to resolve. Another Equifax employee said that a batch of customers were impacted by a systematic glitch, and that I appear to be one of them. I ensured that my personal information is accurate and verified in Equifax 's system. I do not have any issues logging into my.equifax.com. I then attempted to pull my Equifax credit report from XXXX and XXXX which also failed. I then purchased Equifax 's premium subscription in hopes that it would unlock my credit information, which it did not. I was able to confirm that an Equifax employee can see new information on my Equifax credit report. However anyone external to Equifax is unable to view any credit report information. I had numerous Equifax supervisors review my file who could not find anything wrong. There is nothing that I can do, or have done wrong. I have gone nearly 6 months without any access to my Equifax credit report. I can not access financing from lenders that require Equifax. Equifax committed to mailing my credit report to me 2 months ago and I have not received anything. My mailing address, phone number, and overall contact information on file at Equifax is correct and has not changed in 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of inquiries on my credit that I am not aware of. I saw a inquiry from a car place called XXXX XXXX onXX/XX/XXXX then I see another one from a XXXX XXXX XXXX also onXX/XX/XXXX and I see another one and XXXX XXXX alsoXX/XX/XXXX I have not went to a dealership it tried anything with XXXX XXXX the only inquires I made were with XXXX XXXX XXXX and XXXX. The rest I am not aware of and would like to see disputed off my credit because I have never applied for any other credit card besides XXXX XXXX and XXXX XXXX.