23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CFPB THIS IS NOT A DUPLICATE ACCOUNT I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY XXXX CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED XXXX BECAUSE OF THE FRAUD. YOUR COMPANY FILED A XXXX CLAIM IN THE AMOUNT OF XXXX. I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR XXXX XXXX. THIS CONSTITUTES XXXX FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. 
I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH IS VERY SUSPICIOUS. NONE WERE PAID BUT XXXX, BUT WHEN I SPOKE TO EACH XXXX XXXX  A NUMBER WAS GIVEN WHICH, WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION. 

AGAIN, IT APPEARS THE PLAYERS IN THE GAME HAVE A PRE-ESTABLISHED RELATIONSHIP. ALTHOUGH, THERE MAY BE DIFFERENT ADDRESSES INDICATING DIFFERENT LOCATION FOR BUREAU INVESTMENT GROUP PORTFOLIO XXXX XXXX XXXX THIS IS TYPICAL DERAILMENT. 

ALSO, THE NAME OF THE AGENCY BUREAUS INVESTMENT GROUP PORTFOLIO XXXX XXXX XXXX, Like all debt buyers, they purchase account information from credit card companies, auto lenders, and other businesses. ( CITED FROM XXXX XXXX XXXX XXXX XXXX  THIS DOESN'T MEAN THERE IS NOT A CLICK OR PROFIT BEING DISPERSED AS A RESULT POSSIBLE LAWSUITS, I AM FAMILIAR WITH SUCH AGENCIES, HOWEVER WITH XXXX A TRUSTEE CAN SAY THEY SOLD AN ACCOUNT WHICH I THINK SHOULD NOT BE ALLOWED. IN ACTUALITY, THE ACCOUNT IF IT IS SOLD, COULD BE THE RESULT OF ID XXXX SINCE THERE WAS NOT FRAUD INVESTIGATION AS IT PERTAINS TO MY CASE. 

BOTTOMLINE NO ACCOUNT WAS SOLD MY THIS MONEY LIST ON THE PAYOUT WAS STOLEN.
Product: Credit card or prepaid card

I requested to close my City National Bank Crystal Visa credit card in mid-XXXX by phone. I followed up by email. Yet the card is still open and will be subject to a high annual fee when the next cardmember anniversary arrives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have you ever been convicted of a XXXX? Yes that was the question and I answered honestly. I have 2 charges that was dropped to XXXX  that showed up so I didn't get hired. I'm disputing this answer because of my background was incorrectly viewed. Those charges was XXXX they even say XXXX, I didn't lie
Product: Credit reporting or other personal consumer reports

I submitted a dispute regarding inaccurate information on my credit report. I provided all necessary documentation, including my identification, proof of address, and power of attorney, and sent it via priority mail. Despite this, the agency has ignored my dispute request, violating my rights under the Fair Credit Reporting Act. 

Furthermore, I received letters and emails attempting to coerce me into filing disputes online or over the phone. This interferes with my rights under the FCRA, which allows me to submit disputes via mail. These attempts to direct me towards online or phone disputes are not acceptable and further delay the resolution of my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is inaccurate because the CARES ACT provided protection to consumers who were affected during the COVID-19 Pandemic. The late payment with XXXX XXXX ( Acct # XXXX ) shows on my credit report XXXX XXXX XXXX. The CARES Act provided consumers with protection as many of us were on very hard times. We soon after received Forbearance on our Mortgage and didn't receive approval until several months later. I believe this adverse information has been incorrectly added on my credit report. Please reinvestigate this matter and remove the negative payment history from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

You will see the Fraud Verification Unit of Best Buy has not responded back within the 30 days required under the FCRA/FDCPA, providing me with 1 ) the original signed consumer contract 2 ) video/phone surveillance proving ME to have a line of credit/usage. 

" Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through the physical verification of the ORIGINAL signed contract-any and all accounts you post on a credit report. '' On XX/XX/XXXX I sent off a certified letter, demanding VERIFIABLE PROOF. They received my letter XX/XX/2020 at XXXX XXXX  They did not respond back to my letter with any proof. They sent another generated letter dated XX/XX/2020-STILL WITH MY NAME WRONG. 

My letter is clear. They are to cease and desist all calls and correspond with me by USPS mail. 

Without the ORIGINAL, PHYSICALLY SIGNED -- no online application -- this account is not mine and because they have not done as I have requested, entitled to under Federal Law, I demand the account be removed from all bureaus immediately AND all collections stopped.
Product: Student loan

I was advised in XXXX that if I consolidated my loans, after graduating with my XXXX XXXX XXXX in XXXX, I would be able to have the balance forgiven after 10 years of payments, under an Obama plan. I believed the loan servicing company and consolidated my loans. I had been paying on the loans since XXXX. I went back to school to get a XXXX XXXX XXXX in XXXX XXXX, I graduated in XXXX of XXXX. In XXXX of XXXX, my husband was XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called about getting part of my loans forgiven because I had been paying on them for 10 years. I was told there was no such thing as student loan forgiveness, and I was lied to and I needed to consolidate my loans again to lower my payments. I consolidated my loans and about 2 years later I started hearing that loan forgiveness and cancelation was a real thing. My loans were in income-driven payment plans for 13 years, and I assumed that I was well on the way to loan forgiveness. Fast forward to a week ago when I called XXXX and was informed that every time, I consolidated my loans I started my repayment period towards loan forgiveness over again. I was never informed that I restarted my loan payments to forgiveness each time I consolidated. Each person I talked to told me that I had to consolidate my loans to be able to put them in an income-driven plan. I have been trying to pay off my loans but with the lies, deception, and predation by XXXX XXXX XXXX I now owe {$170000.00} and I am unable to purchase a home because of my debt. This is unfair and there is no way I can ever pay this debt off with a XXXXXXXX XXXX income, I also can never buy a house because of the amount of student debt I carry. I was informed consolidation was the only way to make my payments qualify for income-driven repayment plans and the only way to continue my payments to forgiveness. I was told to continue the number of payments, not restart the number of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim Of Identity Theft Someone is Using My Identity Which has cause Damage to My Name. I did Not Authorize These Accounts.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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





XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still can not access my credit file. I have tried calling but the customer service personnel is inept and does not understand that I am trying to access my credit file. I keep being told that the information is incorrect but I have no clue what information they have. I am trying to dispute information but they will not allow me to submit the dispute. This is the 4th complaint in the last 24 months.
Product: Mortgage

LoanDepot, my mortgage company, has yet to pay my property taxes to   XXXX   XXXX   XXXX   for  XXXX  2017. They have, however, paid the taxes for  XXXX  2017- XXXX  2017. That payment was only made just recently, as up until just a few weeks ago both   XXXX   and  XXXX  payments remained unpaid After many phone calls to their customer service department and many emails to their " delinquent taxes '' department asking for a solution, I continue to be put off and told that " funds were disbursed '', yet these taxes continue to remain unpaid
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I wired {$4000.00} to my business account at Sun Trust Bank in XXXX, Florida from my personal account at XXXX. My account was then frozen and Sun Trust did not relinquish my money. This money was wired in order to cover a rent check for my business. The check did not clear because Sun Trust held onto my {$4000.00}. I have since closed this account, but was not returned my {$4000.00} that i had wired.
Product: Vehicle loan or lease

I paid off my vehicle with Westlake Financial on XX/XX/2022. Title was supposed to be mailed to me within 7-10 business days, but it never came. Since then, I have contacted them by phone and e-mail and left voicemails and messages. It has been over 3 months now and I have gotten no response. I would like to sell the vehicle now but can't with no title. I also can not go to Secretary of State for copy because they still have not released the lien with the state.
Product: Mortgage

XXXX of 2019 I began the refinance process with Wells Fargo. 3 months into the process even after paying for and complementing the appraisal of the subject property I was denied the loan. I expressed my frustration and concern that I was being discriminated against as a XXXX man. I later moved on with another lender and closed within 30 days.. 
I believe I fall into the class action against Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the following companies have violated my rights. 

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
Product: Credit reporting or other personal consumer reports

Three unauthorized credit inquiries that were not authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay XXXX  to monitor my credit and I have worked hard to improve my credit based on their recommendations. However, when I apply for credit cards they provide me with a totally different number. Each organization has different scores, XXXX  has me a XXXX, XXXX has me a XXXX and XXXX has me at XXXX. Even my bank which I have a credit card with is showing XXXX at XXXX. I have disputed and wrote letters and they are still all different with different information. I decided to apply for a credit card with XXXX and they have me at XXXX based on XXXX  score. I sent this letter on XXXX to JP Morgan : Reference number : XXXX To whom this may concern : I recently applied for an XXXX XXXX XXXX XXXX Account and I feel the decision was based on the wrong reason ( s ). 

I have worked hard to improve my credit and my total score you provided was XXXX when my XXXX  score is XXXX. 

I have zero collections on my account and no charge offed accounts I do not have recent delinquency, public record nor bankruptcy My bankruptcy is over 9 years old and will come off in XXXX of XXXX None of my credit cards are over limit I will be contacting XXXX, XXXX  and XXXX  with this decision along with alerting the Bureau of Consumer Financial Protection surrounding the discrepancies. 

Again, Im working hard to improve my credit and like someone to contact me surrounding this decision. 

I don't feel it's fair that I'm working so hard however no one is on the same page.
Product: Checking or savings account

On XXXX, I received a deposit towing the sum of around {$1500.00}. About 30 minutes afterwards I received a notification that my account had been locked due to suspicious activities then received an email about being a money mule. So after I called in and offered to cooperate and provide proof that I had thought I took out a legitimate loan totaling the sum of {$1500.00}. I was not ever allowed to speak with anyone that was handling the situation, that could provide me any information or allow me to do anything at all. I'm not receiving any kind of communication from them nor am I being allowed to provide any documentation showing the I wasn't aware or involved in any type of illegal activities if that's what has taken place. This has been a one-time deal and there was no money transferred out or withdrew from the account after that deposit had been made. So I'm not real sure how we've come to the conclusion that I could be being a money mule.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Vehicle loan or lease

Hi I just bought a car in XXXX and my 1st payment was due on XX/XX/2020. Due to the covid crisis I was not able to pay the first installment in XXXX.. I just called my loan company Santander and made the first payment and will be making the next one next week for this month. 

Santander informed me that they reported my payment default to the bureau for my XXXX payment.. I would like to request to clear that out from my credit record as it was not intentional but I was off work because of the lockdown and covid 19 crisis. 

My credit record is new and I dont want to spoil it because of something which was not in my hands. 

Kindly do the needful Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

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

Upon checking my most recent credit report, I noticed that you are continuously reporting an account with incorrect erroneous information. This is a massive violation to the Fair Credit Reporting Act. I have already addressed Equifax with regards to this issue and I have not received any response from them until this date. Listed Below is the account in question : XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There were fraudulent unauthorized charges made in XXXX account, XXXX, XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX The spoke with someone at FTC identity theft department and was provided with a report. These charges were accumulated while I was in the hospital under XXXX and receiving XXXX. I was not able to make charges if I was on XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX  XXXX located in XXXX, GA they thought I wasnt going to live.
Product: Debt collection

Linda Strumpf is a debt collection attorney who has tried more than once to collect on a credit card that I have never used. I am on social security and each time I sent the exemption form to Ms. Strumpf and the bank after my savings account was frozen. Previously the funds were released. This time after sending the form twice, there was a levy check issued against my account. I am XXXX, alone and have no other source of income. I need this money returned to me. 

ATTACHMENTS Image ( XXXX ) .jpg ( XXXX KB ) Image ( XXXX ) .jpg ( XXXX KB ) Please see the previous complaint XXXX Nothing in Ms Strumpf 's response is true.
Product: Vehicle loan or lease

This is in regard to a XXXX XXXX XXXX that was deemed a total loss. The insurance company state farm sent out a check in the amount of {$9100.00}, to the linen holder which is Bridgecrest. The car was also covered by GAP insurance which kicked in on XX/XX/XXXX to cover the remaining {$4800.00}. I periodically checked the account to see if payment for GAP was received to place the account at a XXXX balance. However, that was not the case my balance jump from {$4800.00} to {$8600.00}. I contacted them and spoke to someone by the name of XXXX who total me that GAP was already applied to the account that I owe them the {$8000.00} and change and that the full principal balance was not covered after both payments were received. I checked the account on XX/XX/XXXX and saw that they have reversed all the payments that I have made since I brought the car and now it looks like I still owe them even though I do not. They have received all the payments needed to close this loan but yet still I am still being charged. I now have a new vehicle and pay almost {$700.00} a month for it and I need Bridgecrest to fix my account immediately and stop taking money out of my account for a car that is paid off.
Product: Checking or savings account

My checking account was frozen after paying my mortgage payment. Discover assumed fraud, didn't contact to ask if it was me, just froze the account. Their online help chat service doesn't help, says I can only call discover. For a week, at various times of day, the service says it'll be 3+hours of waiting to speak to a representative. Like clockwork, at the 2 hour mark I'm hung up on. 
I'm locked out of an account I have bills tied to and Discover doesn't provide any means for me to fix the issue they created. My account is being held hostage
Product: Student loan

I sent in a forbearance request by mail to XXXX XXXX, but have heard no response. I keep getting mail from them, like they have not received my request. When I tried to call during the day I would be on hold for hours, then the phone would disconnect. I did reach a representative after 45 minutes on hold one evening, only to be told that his computer was down, and he would have to place me back into the que to wait for another agent. I was on hold again about 30 minutes then the phone disconnected. They have no fax number to submit forms, and my time limit is growing close to it going into default for Perkin 's Loan.  Most of my other loans I was able to consolidate and place in forebearance, but not this one loan for {$4000.00}. XXXX
Product: Debt collection

This was a medical debt that was incorrect and excessive. As a measure of good faith, I paid the amount owed directly to the creditor. Although paid, directly to the hospital, a collection agency is still attempting to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  did n't replying in a timely manner to my letters to date after numorious certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may be  liable for your willful non-compliance, as per FDCPA  807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly i nvestigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action  ( or  in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am preparing lawsuits against   XXXX   XXXX    & TransUnion for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.