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

I am contacting you all because on XXXX2017 I paid a debt and the original creditor XXXX XXXX XXXX turned the payment over to collections and fraudulently provided LCA ( Lanier Collection Agency and Services, INC ) with my banking account information to take the money from my account instead of applying it to my account balance. I have included the certified mail receipt and copy of the authorization mailed to XXXX XXXX XXXX After that I waited for the debit to come through it was n't until XXXX/2017 that the debit came through but it hit as a charge from LCA. At the time I did n't know who that was until the bank told me. I then filed a complaint with my bank of an unauthorized transaction by this LCA, as I have no business with them nor have I ever heard of them. I sent authorization to XXXX XXXX to collect a debt and they did n't get it so I thought. So the bank refunded my bank account when I advised them of this. They told me they were n't able to stop the payment so as a result they closed the card associated with the transaction and paid this company who stole from my account because XXXX XXXX gave them my banking information. So on XXXX XXXX  2017 I paid the original creditor via bill pay sent by my bank as a check to settle the debt and again XXXX XXXX sent the check to LCA. I found this out when I received the check mailed to the original creditor in an envelope from LCA stating it is not acceptable as you will see in the documentation I 'm uploading. Therefore LCA is reporting inaccurate information to the credit bureaus in an effort to harm my credibility. I paid this account to the original creditor upon being notified of the balance. They maliciously sent the payment to LCA not once but twice in an effort to discredit me. It is n't right. LCA has already stolen from me and now they have the audacity to report a paid debt to an original creditor ( XXXX XXXX XXXX ) as a collection when they know this creditor actually gave them money for a paid account. I have never and will never do business with a collection agency because I pay my bills when I am informed of them. Plain and simple I knew there was a bill and I paid it and LCA has clearly violated FCRA regulations by reporting to a third party a debt they know is paid in an effort to assist XXXX XXXX XXXX with this fraudulent claim of debt. I demand that LCA remove this fraudulent and illegal information from my credit report. The account has been paid to XXXX XXXX twice and here is the proof sent to me by LCA from the original creditor. I have never had any business with LCA and will not. I 'm not liable for how an original creditor handle payments and aside from this LCA is reporting inaccurate amounts. I owed and paid {$94.00} to XXXX XXXX not the {$95.00} they are reporting.
Product: Mortgage

I sent a XXXX payment to these people on XX/XX/2018. For my XXXX mortgage. It was cashed by them on XX/XX/2018. And they are saying they never received it. I sent proof of the payment by sending a copy of the check and a copy of my bank statement from XXXX. They are saying they never received it
Product: Mortgage

Tried to get the loan modified with Wells Fargo many times. Each time we would be give trail payments, we paid on time. Once we compeleted the trail payments we would be told that there was paperwork missing or there was a problem with the loan. Each time we cleared up the issues. we were told that Wells Fargo would reinstate the loan, then we get a phone call from a totally different Rep. stating that the mortgage could not be modified because the value of the property had increased in value.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Fraud I gave no consent and have no knowledge of this report. 

XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Fraud I never tried to apply for an auto loan and gave no permission to run my credit XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX Fraud never applied for any card and no knowledge of running my credit. 

XXXX XXXX XX/XX/XXXX XXXX I gave no consent and have no knowledge of this report. 

XXXX XXXX XXXX XXXX Fraud again I never applied for any auto loan and had no knowledge of this report XXXX XXXX XXXX XXXXXX/XX/XXXX Fraud I gave no consent and have no knowledge of this report XXXX XXXX XXXXXX/XX/XXXX Fraud I gave no consent and have no knowledge of this report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I have been on an Income Driven Repayment plan, specifically REPAYE, since 2021. I was automatically moved to the SAVE program this summer, but my original REPAYE  payment amount of {$82.00} did not update to the lower SAVE payment. 

On XX/XX/XXXX, I called and spoke with an agent about this. The agent agreed that his payment should be about {$41.00} on SAVE and said he would submit a request to fix it. It turns out that he submitted an entirely new application, despite me already being in the program. I decided to wait and see what would happen - but then I saw that in my MOHELA portal the payment amount went up even more to {$210.00}, which is almost five times what he should be paying. I called and spoke with an agent who again calculated the SAVE  payment amount, said it should be {$41.00}. I was told to wait for the application to be processed and that it would be fixed. 

The application was again approved, but the payment is again incorrect - {$130.00}. I called today, and was told that the calculation missed my wifes student loan debt even though this number was provided both in my initial application for REPAYE and in the second application for recalculation. They are now doing a third recalculation to lower this payment. I asked her about the interest that is growing and my PSLF payment count due to the forbearance they put me on while I wait. There is no resolution to this despite it being their error. I was encouraged to follow up at the end of XXXX, since this has been ongoing. 

I am extremely frustrated since this is obviously their error. I was on REPAYE with the correct information, but somehow my information was screwed up while transferring to SAVE. There is no ownership, nor is there any timely resolution being made. I can not afford what they are asking me to pay.
Product: Mortgage

I recently applied for a mortgage with LeaderOne Financial Corporation. I applied for a USDA home loan where there is no credit minimum set by USDA, however Im being told that even though there is no credit minimum set by USDA that I would need a XXXX in order to qualify for the loan and that no lender would process a loan for a credit score under XXXX. This credit minimum given is higher than an FHA minimum which is XXXX, and USDA doesnt even have a set minimum. This is blatant discrimination
Product: Debt collection

Agreed on payment plan XXXX frist payment due XXXX amount XXXX. 
Remainder of XXXX in monthly payments of XXXX. In XXXX of XXXX received a copy of request and writ for garnishment for income tax. For XXXX. I called on XX/XX/XXXX they could not find no record of payments at first after some time on tbe phone it was found and they apologized for the mistake. At that time I was tild I only owed XXXX. And was tild I was ahead in payments. I do not work regularly and have sent larger payments when I could. Received a nother letter in XXXX. Dated XX/XX/XXXX motion to set aside orders for installment payments. I happen to call them on that date to find out balance before knowing this was in my mail box. And was told I owed XXXX. They again could not find records off .my XXXX payment was told i only had payed a little over XXXX. I had to go to the bank and send cooy of the chk. On XXXX received a letter from court i have to reply in 14 days and again the amount is XXXX. I have called the debt attorney twice have not been called back. I have called and talk to customer service 3times and email cooy of payment. This has been awful stressful and has made me sick. According to my records Im ahead in payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection reporting on my credit report from XXXX XXXX XXXX regarding a XXXX  bill from XXXX XXXX. I've tried numerous times to dispute this item thru the credit bureau but to no avail. I've tried to get more info about the collection from both the XXXX  company and the collection agency but to no avail. I've always had XXXX  insurance and I've visited this XXXX  office several times in the past and never was told that I had any outstanding bill. I always asked the receptionist if I owe any money prior to them performing any XXXX  work bc I like paying beforehand.. the receptionist would always check my insurance and advise me that no money was due ... I never received a bill for the collection amount of {$1400.00} or an option to even dispute it. This company was unprofessional with dealing with this matter. They placed me in a debt collection of {$1400.00} and reported to the credit bureaus which should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/2020 Balance : {$20000.00}
Product: Mortgage

XXXX XXXX XXXX have engaged in Extrinsic fraud. Under Florida law the definition of Extrinsic fraud was specially articulated in the United States V XXXX, 98 U.S. 61,65-66,25 L.ED.93 ( XXXX ), in which the United States Supreme Court said : Where the unsuccessful party has been prevented from exhibiting fully his case, by fraud or deception practiced on him by his opponent, as keeping him away from court. 
On XX/XX/2018, the law offices of XXXX XXXX XXXX XXXX XXXX, e-filed through the court system motion to re-set foreclosure sale without any notices to my attorney of record XXXX XXXX XXXX. If fact if you review the service list you will find that my legal counsel was not serve with these documents at all yet XXXX and thier attorney are fully aware XXXX XXXX is the attorney of record therefore we must be serve with all matters pertaining to the case .XXXX  and their legal team failed to serve my attorney in order to acquire a sale date without the presence of legal counsel and my self. The motion reflects that the documents were sent to us instead of attorney. We received copy of said motion after the hearing had taken place and the sale date acquired without my knowledge or legal counsel XXXX XXXX. This act constitute extrinsic fraud, when the opponent party keeps you away from trying or defending your case in court. See motion filed for readiness for trial where my legal counsel was properly served by law, however in regards to acquiring a sale date, XXXX and its legal engaged in conduct related to extrinsic fraud. We have also attached plaintiff notice of readiness for trial where XXXX and its legal representative serve my attorney accordantly, however failed to do so in regards to the sale reset which constitutes in extrinsic fraud. On XX/XX/2018, we requested mortgage assistance however in retaliation for filling complaint against servicer relating Florida deceptive fraudulent ownerships transfer of the note Case no. XXXX, the request was denied. The servicer claimed that the investor of the loan does not offer modifications. XXXX is an approved XXXX XXXX servicer and participates on all Tarp loss mitigation resolution including and not limited to the XXXX XXXX Flex program, on which we meet all criteria.
Product: Money transfer, virtual currency, or money service

Paypal refuses to close my account. I have already payed my debt with them and I'm clear and free, and they keep saying they will not close my account. I have spoken to many agents including supervisors, and I keep getting a different excuse every time I call. They have openly refused to close my account and Id like to end my relationship with them, they are creepy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was settled for less than full amount with a 3rd party however the original creditor is reporting the account charged off and not settled in full SYNCB/CARE CREDIT IS THE ORIGINAL CREDITOR. 
THE DEBT WAS SOLD TO XXXX XXXX  AND I SETTLED WITH THEM. THE LETTER IS ATTACHED.
Product: Checking or savings account

On XX/XX/2023 Chime Visa closed my account and said it was due to inactivity when I called they apologized and reopened my account with no explanation of why but my funds were gone everytime I contacted them they blame someone or something else avoiding responsibility for the money its always a song and dance with them Im new to them and 3 days prior to them closing it I deposited money into this account all deposits equal {$1500.00} total its been 2 months and I havent received anything no correspondence of any kind as far as I can tell at this point banks can do whatever they want and Im just at a total lose please help me recover whats rightfully my family and I property Im a single dad raising teenagers I really could use my money returned to me I guess no one would be accountable for it unless I make them thats why Im filing this report upon googling this with Chime this is something they do and have done in the past to people its an ongoing constant issue and happens to unsuspecting people at random Im not sure if this is a game to them or whats going on theyre very good at deflecting any questions but I have any necessary proof thats needed upon request
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, XXXX XXXX of 2017, I received word from public news that Equifax was hit with a security breach that has affected 147 Million citizens. I have put myself on fraud alert. I have done an annual report and have saved those reports.
I attempted to check with Equifax if I am certainly one out of 147 million compromised by going to their TrustedID Premiere. Entered my information ( last 6 of social and last name ), and it says " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This is asking me to enroll in a service just to see if I was affected or not. From what others on social media are saying, there was a clause that would prevent myself from taking a class action lawsuit if I continued. 

I also saw based on their FAQ their would be no waiver of rights for enrollment due to the security breach. Unfortunately, the seed is planted, and I find it discomforting that I may be doing my self more harm that good just to get peace of mind. 

I understand the gravitas in this breach and mass number in accounts compromised. However, based on news of this breach, I only feel these actions made from Equifax, placing roadblocks on getting the answers I 'm seeking, has only made things harder for myself and my family in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Remove the late payment from this account : XXXX XXXX  XXXX XXXX
Product: Consumer Loan

Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for Bank of America to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate the effort done by the Credit Bureaus to remove a portion of the disputed Fraudulent items being reported on my Credit Report. However, I immediately noticed that some of the fraudulent items are still being reported. I am now submitting this CFPB Complaint to request another investigation and if possible be completely removed from my Credit File. I have read that the Credit reporting Agencies are required to remove any account and information that could have been resulted due to identity theft under the Fair Credit Reporting Act section 605b. If the Credit Bureaus claim that the disputed accounts belong to me, I need the Credit Bureaus to please provide me copies of documents bearing my signature as proof of verification. Some of the disputed accounts were already deleted from the other Bureaus and it makes me wonder why is it too difficult for the other Credit Bureaus to not remove the disputed items from my Credit Report. Again, please remove the following fraudulent items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO, XXXX US DEPT ED XXXX XXXX : {$7400.00} XXXX XXXX XXXX XXXX XXXX : {$7200.00} US DEPT ED XXXX XXXX : {$4100.00} US DEPT ED XXXX XXXX : {$3600.00} US DEPT ED XXXX XXXX : {$2600.00} XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX XXXX : {$7500.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Debt collection

I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim. Also you have no legal standing to collect in Alabama or New York. This is a cease and desist!
Product: Debt collection

In XXXX, I was admitted to XXXX XXXX XXXX XXXX  for XXXX XXXX, I am a Veteran and was covered by XXXX, XXXX XXXX XXXX. There were two ( 2 ) claims that were improperly filed by XXXX XXXX XXXX : XXXX, {$1100.00} and {$1200.00} respectively, which they subsequently filed with Merchant Credit Guide Co., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had two conference calls with their manager, XXXX XXXX XXXX and included a representative from XXXX. In each instance, the representative from XXXX explained to XXXX XXXX that I was covered for the services under their policy, but that the vendor had improperly filed their claim and that if the vendor would properly resubmit their claim, it would be satisfied. XXXX XXXX said that he would follow up with the vendor and in the meantime place the dispute on hold, however subsequently my credit score on XXXX dropped by XXXX points to XXXX.
Product: Debt collection

I have no knowledge of this company looked it up and I have never been there before.
Product: Credit card

There was a transaction I did not authorize to XXXX XXXX XXXX XXXX and I was denied a refund. I did not make this purchase and as we know fraudsters are getting better and I have not received any tickets which further shows this was a fraudulent transaction. 
I submitted a fraud claim and was denied on the same day this transaction happened. Please refund my money immediately! 


Transaction ID XXXX Transaction date XX/XX/2023 XXXXXXXX XXXX PDT Merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX