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

XXXX sent me a letter on XX/XX/23 stating they sent it to Department of EducXXXX in regards to all my loans should be discharged due to XXXX deemed me XXXX XXXX XXXX XXXXXXXX ( XXXX ) all balances of loans hold be forgiven. They have duplicate of my loans on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I have been trying to dispute a line of credit under Synchrony Bank/PPMC that is showing on my credit reporting. I am being shown as an authorized user on a line of credit labeled SYNCB/PPMC. After calling Synchrony Bank I was told the account is not linked to my name, social, email, or phone number but yet is still showing on my credit reporting and lowering my credit score significantly as the account is delinquent by over {$6000.00}. I can see that the account was opened in XXXX it but didn't start showing on my credit report until XXXX. I have since tried to dispute the account a few times with XXXX and with XXXX. Both have come back saying information is correct and to remove the account I would need to contact Paypal/Synchrony Bank . 

Synchrony Bank/PPMCXXXX XXXX XX/XX/XXXX I spent an evening and multiple phone calls back and forth with Paypal and Paypal credit department XXXXrying to remove the account. Multiple people looked into account but can not find anything linking me to the account that is showing on my credit reporting. They told me they could not do anything and that I would need to go to the credit bureaus to have it removed.
Product: Prepaid card

Credit karma institution took my IRS money and close my account for no reason at all. Try to dispute but was denied XXXX  XXXX took my SSI for one month and I disputed it they would denied me my claim and provisional credit and this is still an ongoing thing of disputing transaction
Product: Debt collection

I started this journey at the beginning of the year when I checked my credit and noticed an account from Jefferson Capital account number XXXX for {$580.00}. I originally contacted the credit bureaus to dispute the account due to the account not belonging to me and is not something that I recognize. I also pointed out reporting errors with the listing as its suppose to be reporting 100 % accurately and asked for proof of verification received from Jefferson Capital and did not receive anything but a generic response with no proof. Afterwards I contacted Jefferson Capital directly on XX/XX/2019 via certified mail USPS #  XXXX delivered on XX/XX/2019 at XXXX XXXX and asked for them to verify they are attempting to collect from the correct person. I also requested they send me competent evidence with a full accounting and original contract and I never received a response and its still reporting on my credit which it shouldn't because no one seems to have the proper documentation and accounting so this should be removed as I am not responsible for this debt. I never received validation of the account nor any notice/statement from them stating they are trying to collect on an alleged debt.
Product: Credit card

I, XXXX XXXX do not recognize the following transactions and have never authorized them. Pursuant to XXXX XXXX XXXX XXXX I politely request to permanently reverse these charges and the issuance of a full credit to my accounts. I have attached additional details on this matter below. XXXX XXXX : Fraud - Card-Absent Environment. This code is used for fraudulent online transactions. XXXX XXXX : No Authorization : These codes are used when a transaction is processed without authorization. 
Under UCC 4-214, issued XXXX, I invoke my right to chargeback and refund this transaction. Furthermore, I request claims and defenses under Federal law 15 USC 1666i. This section specifies the cardholder 's liability does not apply to the value of the fraudulent transactions when the issuer is notified. Regulation Z, specifically 1026.12 of the TILA contains special credit card provisions that limit my liability for fraudulent credit card use. 
I hereby inform the card issuer and representative investigating the case, that I am withholding payment on the fraudulent charges. However, to be a loyal consumer I will continue the minimum payments under duress and fear that withheld payments will negatively impact my credit report and reputation. I do not consent to any past or future payments being applied for these fraudulent charges. 
According to California Financial Code Section 2102, 17000 and Federal law principles. I reserve the right to refund. Consumers should be protected from financial loss from fraudulent transactions. The Fair Credit Billing Act safeguards consumers from fraudulent transactions on their credit card accounts. I am requesting a full reversal of the fraudulent transactions on the VISA SIGNATURE TRAVEL REWARDS credit card XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX at Bank of America California , XXXX XXXX XXXX Case # XXXX Fraudulent Transactions : XXXX XXXX XXXX on XX/XX/XXXX for {$4000.00} XXXX XXXX XXXX on XX/XX/XXXX {$4200.00} XXXX Case # XXXX Fraudulent Transactions : XXXX XXXX XXXX on XX/XX/XXXX for {$4300.00} XXXX XXXX XXXX on XX/XX/XXXX for {$800.00} XXXX XXXX XXXX on XX/XX/XXXX for {$13000.00} I have enlisted the local police department, the California Department of Financial Innovation and Protection, the California Department of Justice, the California Department of Consumer Affairs, the Better Business Bureau, the Internet Crime Complaint Center, the Consumer Financial Protection Bureau, International Consumer Protection and Enforcement Network ( ICPEN ) and the Federal Trade Commission. While these agencies may have different jurisdictions and specific mandates, they share common goals of protecting consumers like myself. Let it be known I have faxed, mailed and called to notify the card issuer. 

FTC IDENTITY THEFT Report Number : XXXX With clean hands and good faith, XXXX XXXX
Product: Debt collection

In XXXX chase mortgage charged off the 2nd on my home, I haven't heard anything from them there was never an attempt to collect it was charged off. in XXXX I receive a notice from IRS stating Chase bank said I owed them more than {$200000.00} and that I was responsible for paying taxes on the debt that's more than 14 years old and was charged off, I called chase on more than one occasion I was told that they didn't know what I was speaking of, I was told it was a scam, I was told there was no attempts made by chase bank. I called the IRS who confirmed the detail from Chase, I advised the IRS that I wasn't responsible to pay taxes on bad debt that was charged off more than 14 years ago and that once a account is charged off to bad debt the company can use it as part of the tax write offs, hence Chase is trying to collect on something that was charged off and received tax credit. I don't owe this money or any monies to chase or to the IRS. Chase erroneously sent my file to the IRS and lied to say I received {$200000.00} which is false.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$770.00} XXXXXXXX XXXX {$910.00} XXXXXXXX XXXX {$780.00} XXXX XXXX {$640.00} XXXX XXXX XXXX  {$640.00} XXXX XXXXXXXX XXXX {$1800.00} XXXX XXXXXXXX XXXX {$3100.00} XXXX XXXXXXXX XXXX {$640.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$12000.00} PLEASE REMOVE THESE ACCOUNTS PER 15 USC 1681b.
Product: Student loan

I am replaying PLUS loans for my daughter 's education. It originated with XXXX XXXX and was transferred to Navient. I do n't think my payments are being allocated correctly. One month more goes to interest than another month. Even on months I pay early, principal amount goes down.
Product: Vehicle loan or lease

I have paid {$500.00} toward my principal only payment to Ally finance and every time I make a payment they do not put it on principal only. I have contacted them by phone every time I have paid and told them this is for principal ONLY and they will not put it toward principal. They say they are and they do not. 

Payments made for principal XX/XX/2019 ... ... ... ... ... {$100.00} XX/XX/2019 ... ... ... ... ... {$150.00} XX/XX/2019 ... ... ... ... .... {$50.00} XX/XX/2019 ... ... ... ... .... {$200.00} I think they are taking advantage of an XXXX  woman.
Product: Mortgage

In XXXX 2017, I requested assistance of my current mortgage servicer Capital One, after complete a full Request for a Loan Modification Package with my HUD Certified Housing Counselor, including evidence of my hardship as the XXXX XXXX illness of my daughter and my reduced income as a XXXX XXXX, my mortgage servicer, requested so many times, so much more information, including almost daily phone calls even they already had all explanations why I had fall behind on my mortgage payments. Trying to act responsibly, I been sending during this last 8 months as much money as I can from my XXXX XXXX XXXX ( I am XXXX years old ) and my activity as a XXXX XXXX ; reason why, until today I am only two months behind on my payments. However, my commitment and responsibility never were accomplished by Capital One, this week, they denied my request for a Loan Modification and instead only offered me the option of Short Sale or Deed in Lieu of my property. NO REASONS OF DENIED WERE STATED. In addition, this case in the opinion of my housing counselor has some weird facts, like a letter received from Capital One, where they referred to my ownership rights ( this letter was immediately responded by my counselor, stating that I never had or have the intention to transfer my home ownership rights. Also, there have been several questions initiated in a persisting way from Capital One, Account Manager, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. XXXX ) in regards my race and nationality, still I ask myself if that is an important piece for a mortgage decision??? XXXX XXXX XXXX from Capital One, never respond the many phone calls made by my housing counselor. Today, a complaint was initiated with XXXX XXXX, my mortgage investor in regards of this unfair procedure of my mortgage servicer. My housing counselor and I consider that a loan modification approval is a common sense decision, that my current finances evidence my hardship, but at the same time allows me to stay on my property if my case receives a fair review. This is why I am asking for ... ... ..
Product: Debt collection

NEVER received a bill for any amount I owe from this company and suddenly I got a letter from a debt collector. This is a complete and unwelcome surprise. Bad enough to be going through XXXX treatment for XXXX years and now I get a surprise notice from TSI ( transworld systems inc ) to the tune of {$430.00}!!!!!! supposedly from XXXX XXXX. XXXX in shock!!! This cant be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened XX/XX/2017 Balance {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Card had sent XXXX Inquiries for the following dates that were not authorized by me -- - > XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have spoken to them countless times and they agree they would send to Transunion but have never done so to my knowledge.
Product: Debt collection

I have been paying on a charged off mortgage debt for several years now with Bank of America Recovery Division. My complaint is that I never receive a statement of my payments and my balance at all - never in all of the years that I have paid them have they sent me a statement. After sending BOA XXXX per week through my bank 's bill pay service, when I called to check my balance with BOA ( XXXX ), they can't account for around XXXX in payments that were transferred by my bank and cleared for payment. When I called my bank, XXXX XXXX XXXX XXXX, I was told that the payments had cleared and the checks had been cashed by BOA, yet when I call BOA to ask about payments that had been made and cleared by my bank, they can't give me any information as to what happened to these payments. 
They can't give me a check number for the payments ( these payments are sent by my bank, XXXX XXXX XXXX XXXX via check/draft ) or really any information, except that they weren't applied to my account. 
It seems unlawful to me that I have to pay on a debt for several years and not receive any type of accounting, statement, or a formal accounting of my money. 
Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BANK OF AMERICA with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XX/XX/year> Experian Subject : Dispute of Incorrect Information on Credit Report Dear experian Customer Service personal, I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, I noticed incorrect entries related to my name and address. Please find the details below : Incorrect Name ( s ) : all the names that are not the name that appears on my ID Correct Name : XXXX XXXX 3 Incorrect Address ( es ) : all addresses that are not XXXX XXXX XXXX XXXX XXXX md XXXX and XXXX XXXX XXXX XXXX XXXX  dc XXXX I am requesting that these inaccuracies be investigated and corrected. Enclosed are copies of my ID, proof of address, and any additional documentation that verifies my identity and address. 

Thank you for your prompt attention to this matter. Please update my credit report and provide written confirmation of these corrections. Feel free to contact me if you need further information or clarification. 

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

I have already notified the credit bureaus of my identity theft issue 2 months ago. I was always under the impression that the credit bureaus have 30 days to complete their investigations. It seems as if my investigations have been ignored. According to 611 ( a ) it clearly states that failure to investigate within 30 days is grounds for automatic deletions. Please delete these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every single call to Experian is either ignored or placed in an endless automated phone loop. I went over my Experian credit report and they are not only displaying inaccurate information for themselves but have inaccurate credit information from the other two agencies ( i.e. false credit scores ). 

I have called them the day before yesterday and now again today ( This, XX/XX/2022 ) Is this normal for them? If they do the least why are they allowed to make important decisions that affect our lives?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed from XXXX  XXXX that indicates that the original account that is now charged off is from XXXX yet I havent had a XXXX account. I have already confirmed with XXXX that I dont have anything in their records and yet it still hasnt been removed I have already disputed with Experian and XXXX yet it still hasnt been removed. They have failed to remove inaccurate information per FDCPA and FCRA laws. 

Account Info ; XXXX XXXX  XXXX XXXX XXXX XXXX {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

the investigation process was not conducted fairly, and no supporting documents were given to me to support their findings.
Product: Checking or savings account

I have opened a bank account with capital one, I made a deposit of {$5.00} to open the acct unfortunately the deposit bounced back because I had not had enough funds on my external account. I signed up for a direct deposit and my direct deposit was sent to this new account, capital one decided to close my account with no notice sent. I now get paid on Friday XX/XX/XXXX to this close acct I have contacted the bank and they refuse to open the account or to release my direct deposit they said they have to do an investigation and they dont promise that my money will be sent back to me. I am a mother of XXXX children and that money was hardly worked it is unfair that they will take up to 90 days for me to receive my money. I have to pay my rent and pay for food for my children. I need help to get this money back I have proof from my employer that that money was sent to that account at capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX, I am writing to delete the following information in my file.The items I need deleted are listed in the report. I am A Victim of identity theft and did not make the change. At this time I need the items be deleted to correct my credit report. I have also reported the theft of my identity to the federal trades commission and have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the following information as soon as possible.
Product: Credit reporting or other personal consumer reports

I looked back at my credit report on XX/XX/XXXX, and noticed that my this account still stands. It is not accurate and should be deleted immediately due to the nature. According to the fair credit reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account { Name : XXXX XXXX & Account XXXX : XXXX }. This account is not accurate. According to 15 USC 1681s-2. A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
M
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding an invalid and unauthorized negative account listed on my credit report. Despite my repeated attempts to resolve this matter, the negative item associated with XXXX XXXX ( Account Number : XXXX ) remains unresolved and continues to adversely affect my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Review ComplainXXXX # XXXX for specific details. Complaint was prematurely closed as the issue outlined in the original complaint was not address by TransUnion. TransUnion 's automated credit scoring calculation tool is inaccurately calculating my credit score and as such TransUnion is misrepresenting my credit worthiness in commerce and has caused me or the potential to cause me financial hardship. 

Attachments associated with this complaint can be found in the original CFPB complaint number XXXX submitted XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Subject : Formal Debt Validation Request Potential Legal Action for Non-compliance Dear LVNV Funding, LLC, I am writing in response to your recent communication regarding an alleged de

bt under the account numbers referenced above. I dispute this debt and formally request validation under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ). In order to validate this debt, I request that you provide the following within 30 days : 1. Proof of Ownership : A full copy of the origi
nal purchase agreement and assignment contract that establishes LVNV Funding, LLCs purchase and legal ownership of this debt from the original creditor. This documentation should include any intermediate assignments in the chain of custody. 

Please understand that a simple balance statement is insufficient for validation purposes. I require concrete proof of your legal right to collect this debt, as well as an itemized breakdown to confirm the balance, as stipulated under federal law. YOU WILL NOT CONTINUE YOU TO REPORT THESE ALLEDGE DEBTS WITHOUT PROVIDING ME PROPER DOCUMENTATION REQUIRED BY LAW! 

Should you fail to provide this documentation, including the purchase agreement and assignment contract, I will consider this debt unvalidated. Furthermore, please be advised that if you continue to pursue collection or report this alleged debt to credit bureaus without proper validation, I am prepared to pursue legal action against LVNV Funding, LLC for any violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please take this matter seriously and respond with the requested documentation within the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Husband who was my boyfriend at the time was XXXX  in the XXXX and XXXX   XX/XX/2016 and had XXXX. He needed assistance for XXXX, XXXX, etc and could not be left alone. I lost my job to take care of him and help him with at home therapy. After becoming behind in payments with XXXX XXXX   I informed company I was no longer employed but wanted to pay and keep vehicle. But they wouldn't wait so had no choice but to let them come and get vehicle back. They repo truck i believe XXXX, and I became employed end of XXXX maybe beginning of XXXX. I was told i only owed around {$500.00} to keep vehicle from being repo. By then I had to get another vehicle to continue working so then i could not afford rent & bills, healthcare, new car payment and etc. They wouldnt wait and {$500.00} is what got my vehicle repo now the statement on the account shows sent to collections and the amount is different. It is negatively impacting my credit and keeping me from getting a home/mortgage.
Product: Credit card

I made a {$740.00} purchase via PayPal credit to XXXX for website development. 
The developer stole my money and didnt leave me with a working website. 
I sent several disputes via PayPal Credit. 
Paypal credit stated they couldnt refund due to the no refund policy, yet they sent me dispute paperwork from XXXX. XXXX stated they returned the money back to my PayPal account but PayPal is stating they havent received funds.
Product: Debt collection

I have received a letter from Van Ru Credit Corporation saying that I owe {$100.00}. I called the medical center they say they are from and asked them about it and they said that I did not owe anything. I believe this to be a scam.
Product: Checking or savings account

I got a few emails congratulating me on my new account. Then text conformation. I thought they were spam. So I brushed them off and deleted. Then a few days ago I got a checkbook in the mail from a bank I did not open a bank account with. Somehow someone has my personal information and opened a bank account in my name. I called the bank and reported it as fraud and asked them to close all accounts in my name. TD bank is the name of the bank. My name is XXXX XXXX and I wish to report my identifications have been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter stating that based ON XXXX erroneous reporting refer to my previous complaint about XXXX reporting incorrectly debts and deliquencies as NEW debts even though they are at least XXXX XXXX XXXX! My credit is was reduced by synchrony as delinquent and lack of my ability purchase a home! This is unfair and unwarranted! I cant keep being subject to XXXX discrimination!! This has to stop