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

Fraudulent crooked company either STILL WORKING ON THE ISSUE OR MARKED AS DUPLICATE

SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM 
 
AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Payday loan, title loan, personal loan, or advance loan

They repeatedly call me at work on a daily basis. I have advised them to stop. I have told them they do not have permission to be contacting my at my place of employment. They flat out told me that they are not listening to my demand for them to stop contacting me at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I reviewed my Experian credit report and compared it with XXXX  and XXXX. I noticed that Experian was not reporting my XXXX XXXX Credit Card beginning with # XXXX. On XX/XX/2021, I called and spoke with XXXX at Experian who confirmed that this account was deleted in response to my dispute Report Number XXXX. I explained to XXXX that I opened the dispute due to inaccurate credit amount showing on my credit report. XXXX stated that the account was deleted rather than the CREDIT AMOUNT increasing. XXXX hung up on me. I called again and spoke to XXXX of Experian. He confirmed that the account was deleted rather than the Credit Amount increased to {$2000.00} from {$1000.00}. XXXX advised that XXXX XXXX told them to remove the account from my file. XXXX stated that they can't do nothing about. Experian disputed this matter incorrectly as evidenced by XXXX  and XXXX  are reporting my XXXX XXXX Credit Card accurately.
Product: Student loan

My student loans were switched to MOHELA a while ago, and they recently put my loans in deferment without my permission, making it so that the time was not counting towards Public Service Loan Forgiveness. I tried calling and messaging to ask them to explain why that happened and let me pay for the month ( s ) in deferment so that I could get PSLF credit, but they never fixed the problem. My loan eventually went back out of deferment and they started auto-debiting payments again, but never fixed the time that didnt count from their forced deferment. I have also asked multiple times for answers about why certain months are not counting towards PSLF even though I worked for federal institutions or nonprofit organizations and they have not been able to give me a clear answer. They do not follow up on the things they promise if you are able to actually get someone on the phone, and the responses to online messages are generic and often do not answer the questions being asked. Finally, when I recently logged in to check my PSLF payment counts, all of my PSLF information is completely gone from my MOHELA account. I believe we are being changed to yet another servicer but I am concerned about the payment counts disappearing before weve been transferred. MOHELA is still my servicer and should be tracking my PSLF counts. This is something that is taking years of my life to complete, so it will be very upsetting if payment counts are lost. Im worried about the payment counts being properly transferred to the new provider because it is all missing at this time and I have no way of checking my PSLF information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX Account ) XXXX XXXX  ( Account ) XXXX XXXX XXXX  ( Account ) XXXX XXXX XXXX XXXX ( Account ) XXXX XXXX XXXX ( Account ) XXXX XXXX XXXX XXXX  ( Account ) XXXX XXXX U.S.C States I have the right to privacy 15 u.s.c 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code s 1681n section 1 ( A ) ( B ) : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater
Product: Debt collection

My ex wife and I had a HLOC and a note on our lake property which I now live in since we are divorced. The court order mandates that I maintain payments on the debt which I have done every month. We have never missed a payment until Key Bank stopped taking payments out of my account. The actual Key Bank debt was discharged from me in XXXX but my ex wife is still liable for the debt. She did not let me know about the note due at the end of XXXX since she had all the documents. That is when they stopped taking payments out of my account and did not notify me ... I had to find that out on my own. After a series of calls I findly contacted their outside counsel who instructed me to continue to make payments and I have. I received a letter on around XXXX XXXX, XXXX stating they were going to start foreclosure. I have told them all along to roll the note over into my name ... no cooperation. The whole issue is over a legal piece of paper not about failure of payment!! The bank has put themselves in a position of not wanting to solve the issue. I have talked to outside legal counsel and they are scratching their heads as well. I need someone to intercede on my behalf to talk with the bank because every person I talk with gives me a different answer ... mean time they are pushing for foreclosure internally while the banks outside legal counsel tells me to do something else.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year> & XXXX  Date of Inquiry XX/XX/year>
Product: Debt collection

Company stole my personal identity in order to fraudulently collect a debt that I dont own. Ive never signed any written forms of communication, nor have I entered into any agreements with them. 

They are currently harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon applying for a loan for a mortgage, i have received at minimum 50 calls in 2days, while Im at work, acquiring about a mortgage loan. My only assumption is the national bureaus, equivalent, XXXX XXXX XXXX XXXX have sold my information to these companies calling me. Its borderline harassment and stopping me from answering calls i actually need to answer for work
Product: Credit card

The date on the initial contract, The account should be closed. The original contract from the original company needs to be mailed out.
Product: Credit card or prepaid card

I had acredit card with capital one and i was pay in time every month and every thing was good, and on XX/XX/XXXX i reopened checking acount on XXXX XXXX i had it before but with new acount number and the same routing number, and when i caome to pay the bill of capital one on XX/XX/XXXX iput the old account number of the chase account because the customer service on XXXX XXXX print the old checking deposit statment .not the new account. So capital one returned the payment and when i got the mail from capital one i contact with XXXX XXXX  and they gave me the right deposit statment and at the same day i paid the bill again on XX/XX/XXXX and its still was n't late payment but i found capital one closed my account with no reson
Product: Credit reporting or other personal consumer reports

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

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts below : Account name : XXXX XXXX Account Number : XXXX I dont have the full account number but this is whats showing on my credit report. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

Some of my problems with this bank are too long to write down. I need to call you or you call me so we can talk on the phone. Earlier this year I filed for chapter XXXX. I reported it to my bank ( Truist ). Money is tight right now for me, this bank new my struggles. On rumerous occasions this bank has charged me over draft fees of {$36.00}, sometimes twice in XXXX week for a XXXX charge plus a {$15.00} over limit fee. This has been going own for a long time. I fill this bank need to pay me back all of my money back. Please help me. PS, with all of what I just wrote. the whole time the bank was stealing my money, every Friday my paycheck was direct deposited into my account. XXXX more thing, today at XXXX I call the bank to close the account. The lady I talked to told me I couldn't close my account because the bank has charged my account a {$3.00} fee for something i've never heard of. so they wont let me close the account. now they are going to charge my account an overdraft fee for something they are doing. again Please help.
Product: Credit card

I have never let payments on this account become overdue, always ensuring they are made on time. I don't understand the reports of late payment remarks on my accounts. Under 15 USC 1666b, billing errors need to be corrected.
Product: Debt collection

My name is XXXX XXXX, a federal protected consumer me, and I am making this complaint against LVNV FUNDING LLC or committing identity theft. I have never given LVNV FUNDING LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC sub section 1692e ( 12 ). 

I have not validated any alleged debt with LVNV FUNDING LLC and my failure to dispute the validity of these alleged debts shall not be construed as a admission of liability. As of XX/XX/year>, I have not received documentary evidence, such as a trilateral contract, giving LVNV FUNDING LLC any right to collect on this alleged debt. 

I have never received any documentation requesting validation from LVNV FUNDING LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ), which the FTC defines as debt parking. If LVNV FUNDING LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, Prior to furnishing on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until the company can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV FUNDING LLC continue its collection efforts, I will file for litigation for actual damages caused and LVNV FUNDING LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required. Pursuant to rule 1002 original application bearing my signature on it also requesting your Errors and Omissions insurance number be provided to me the consumer. Account number - XXXX, Reference ID : XXXX
Product: Debt collection

I advised in the conversation with the representative that the rate at which they wanted me to repay was unattainable at my current income level. The representative then responded, with full fledged attitude, that " they '' did not need to make any concessions for me, that they can make me pay whatever they 'd like per my promissory note. This of course is untrue because I do have income based repayment options. That representative was wholly unprofessional and turned me off to wanting to work with them any further to resolve my bad debt. I told he rthat comment was unncessarry to have been made, that I know this debt is mine to pay but I need options. To which she responded, " I 'm just telling you the truth ''. It is hard enough to come to terms with the nearly {$100000.00} of student loan debt that I have with my measly income. The unwillingness and poor attitude of the call center representatives makes you feel demeaned and is just unproductive.
Product: Debt collection

On XX/XX/XXXX I received a Notice from XXXX XXXX XXXX, XXXX dated XX/XX/XXXX stating they were initiating foreclosure proceedings and the Notice stated that " The following information is provided to you as required by the Federal Fair Debt Collections Practices Act ... This is an attempt to collect a debt, this is a communication from a debt collector ... '' On XX/XX/XXXX, I  sent a letter via certified mail to XXXX XXXX. XXXX, XXXX requesting verification and validation of the alleged debt. To date, I have never received verification and validation of the alleged debt. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX filed a non-judicial foreclosure action against me to dispossess me of my personal private property without a legal right to do so. 

In XX/XX/XXXX, I filed an FDCPA claim against XXXX XXXX XXXX, XXXX and their employees for the illegally filed non-judicial foreclosure action. On XX/XX/XXXX, the United States Court of Appeals for the Fourth Circuit, Appeal  Number XXXX, determined that XXXX XXXX XXXX, XXXX and its employees were " debt collectors. '' In the XX/XX/XXXX opinion it states " In sum, we hold that ____ complaint adequately alleges that the XXXX XXXX and the Substitute Trustees were debt collectors and that their actions in pursuing foreclosure constituted a step in collecting debt and thus debt collection activity that is regulated by the FDCPA. '' On XX/XX/XXXX, in a later Memorandum and Order the judge stated I sufficiently stated a claim under 15 USC 1692g ( b ). The judge is now stating the XXXX XXXX and substitute trustees never verified and validated the alleged debt back in XX/XX/XXXX and had no lawful nor legal right to file the non-judicial foreclosure action without verifying and validating the alleged debt.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I ordered a round of drinks and started a tab with XXXX, XXXX and was charged a {$300.00} tip on a tab of {$190.00}, I never authorized this tip nor was I aware until it showed on my card statement. I have attempted to resolve with USAA and the merchant to no success. the credit card receipt shown to me in the dispute has a forged signature and is not mine. I stated this to USAA 's fraud department and they said they're not handwriting experts and the charge is valid. THIS WAS NEVER AUTHORIZED TO BE CHARGED AND WAS FORGED ONTO A RECEIPT! I have even pointed out that the receipts are forged and I was not given any copy. The merchant recognized verbally that the waitress had been fired and offered to give me a free bottle of alcohol. I stated I wanted my money back and this was not acceptable. I updated USAA on this and they didn't seem to care or want to do anything! They continue to say the charge is valid and made me pay it. THIS IS ILEGAL AND UNACCEPTABLE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for almost a year now with the collection agency XXXXXXXX XXXX and XXXX  and Equifax their reporting this account as verified and this can't be far from true. As you'll see with the attachments the credit report and the information that was sent to verify has two address so how can this be verified.Please look at this attachment and the bottom part that says borrower information. It does has my name but I know nothing of the address. This a {$400.00} bill that's hurting my credit from their mistakes I can't get anything to move ahead in life from this
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

These accounts represents a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding these fraudulent accounts, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account are XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2024 To whom it may concern, I am writing to request an investigation of the following information on my credit report : The charge-off of an obligation with XXXXXXXX XXXX XXXX XXXX XXXX is not mine ; I am not responsible of this account, The charge-off of an obligation with XXXX XXXX XXXX, is not mine ; I am not responsible of this account, The charge-off of an obligation with XXXX XXXX XXXX, is not mine ; I am not responsible of this account, I am a victim of ID theft. People have use my information to open them and also make fraudulent activities. 


To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 



Sincerely, XXXX XXXX XXXX XXXX : XXXX
Product: Credit card or prepaid card

I was recently a victim of identity theft and this card was opened. It went in to debt and Im left with paying it the thieves had my SSN, address, email address, birthday everything needed to be me. Passwords and all. I never went into a capital one there was never a face to face varfiying it was me
Product: Checking or savings account

On XX/XX/XXXX, I received through the mail a company check from an interested buyer for my XXXX XXXX XXXX in the amount of {$44000.00}. I initially went to XXXX XXXX to verify the account with them, but they could not tell me and the check was not cashable due to the amount they said. XXXX XXXX told me that the only way to know good or bad is to deposit it into my own account at Bank of America. I then proceeded to my bank off of XXXX near XXXX and XXXX. I asked the cashier and she told me that the only way was to deposit it into my account. She said if I did deposit it and I requested a full hold out of concern that I would not be harmed either way. So I made the deposit, to my account ending in XXXX. On the XXXX, I was notified that the check was being returned and so I filed a police report and a complaint with the XXXX XXXX 's XXXX XXXX 's online form. On the XXXX of XXXX, I began to transfer funds from my other account into my account at Bank of America ending in XXXX and on the XXXX, I had moved a total of {$10000.00} to the account for the closing of a property due the XXXX of XXXX. On the XXXX of XXXX, I went to the bank and found out that the bank decided to close my account and froze my money. The bank never notified me that this was happening and still days after they started the process kept allowing funds to enter my account. Now I am about to lose my earnest money because the funds are not available to me and they are saying it wont be for 30 days. Now because of them, I will be out my money, my earnest money, lose the house, and have to explain to my wife. The bank is treating me as I am a criminal who tried to do something when I only listened to the bank in how to handle this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are reporting a collection from XXXX and XXXX XXXX for a debt owed to XXXX. Please be advised that any outstanding debts have already been satisfied with the original creditor which is listed as XXXX. It is against the law for a collections company to attempt to collect a debt that has already been satisfied to its original creditor. Please help delete these negative collections from my XXXX and TransUnion credit reports as they are really negatively impacted my life. I