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

XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1200.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1200.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1200.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting or other personal consumer reports

Potential fraud n identity theft from university, while using these loans n me never being enrolled, but the spring semester of XXXX, and Thats all. Wow. Pls look.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I RECEIVED A LETTER FROM DIVERSIFIED CONSULTANTS IN REGARDS TO A RECENT DIPUTE I HAD MADE. THE LETTER STATED DIVERSIFIED CONSULTANTS REVIEWED MY DISPUTE AND THEY CEASED COLLECTION OF THE ACCOUNT AND TO BE ADVISED THE CREDIT BUREAS IN WHICH THEY CONDUCT BUSINESS WITH WAS NOTIFIED WITH THEIR REQUEST TO DELETE THEIR LISTING OF THE ABOVE-REFERENCED ACCOUNT. AS OF XX/XX/XXXX DIVERSIFIED CONSULTANTS IS STILL SHOWING ON MY CREDIT REPORT AND HAS NOT BEEN DELETED AS THE LETTER STATED IT WOULD. I'VE SENT MULTIPLE COMPLAINTS AND DISPUTES INCLUDING A COPY OF THE LETTER TO THE CREDIT BUREAU IN WHICH THE LISTING IS STILL SHOWING AND WAS INFORMED DIVERSIFIED CONSULTANTS DID NOT CEASE COLLECTION OF THE ACCOUNT.
Product: Money transfer, virtual currency, or money service

This day that the incident occurred, I noticed several declined card transactions in my cash app due to my card being locked. No transactions were going through. I wasn't entirely worried right away, I didn't think much damage could be done since the card was locked in the app. But I eventually received a phone call from someone claiming to be from cash app support, they called attention to the declined card transactions and said that we needed to secure my account. They then said they would be sending a code to my phone and they wanted me to tell them the code, this sounded weird to me so I didn't agree until they offered to email it to me instead, and me not being in my right mind at the time due to my father passing away 2 days prior, I gave them the emailed code and as soon as I uttered the words, the phone call ended. I started receiving notifications from Cash app that my email/ phone number were unattached from my cash app account, and that a transaction in the amount of {$1200.00} was sent to someone by the name of " XXXX XXXX XXXX '' It all happened so fast, but it was like watching it in slow motion as I was trying to stop it from happening. I immediately tried to stop the transaction by disputing it right away. And cash app denied it almost instantly. I reported it to Cash app support, and cash app denies any unauthorized payments sent. I described the situation in full detail but cash app has not done anything to help clear up the situation or find the person accountable for stealing my money. I feel like I was taken advantage of at a really vulnerable moment in my life and I'm still trying to figure out what happened and if/ how I will ever get any of my money back. But I'm not seeing any hope whatsoever regarding the outcome of this situation.
Product: Mortgage

This latest complaint is related to prior complaint no. : XXXX. The customer, XXXX XXXX, did not receive a satisfactory response from JPMorgan Chase in that earlier complaint. A paralegal in my attorney 's office tried to resolve this matter and we received various reasons why Chase did not refund my escrow. Chase actually sent us XXXX ( XXXX ) reasons why they kept the escrow funds in my mortgage account. The latest '' reason/excuse '' was dated XX/XX/XXXX ( copy of letter enclosed ). The paralegal in my attorney 's office sent a response dated XX/XX/XXXX ( copy of letter enclosed ). 
I settled the foreclosure action and my mortgage was satisfied on the court records. My attorney and I settled the litigation by my paying the sum of {$25000.00}. This was much less than Chase was claiming I owed. The settlement Agreement does NOT mention or address my escrow balance existing at the time of the settlement. A MORTGAGE SATISFACTION PIECE ( pursuant to 21 XXXX Statutes, section 681 ) was filed with the court on XX/XX/XXXX. We have been battling Chase since that date. Since that date, we have received SIXTEEN ( 16 ) letters from Chase stating : " We are writing to follow up on your recent request and inform you we need additional research time because we are still pending additional research to resolve your inquiry of request ''.. The letters always conclude with this statement : " We will have an answer or a status update for you by ( date inserted ) ''. Sixteen times.! I received XXXX ( XXXX ) different reasons why they would not refund my escrow. The latest is the one of XX/XX/XXXX.. I do n't know which of the refusals they intend to stand on now. All XXXX ( XXXX ) can not be accurate. Since I did not hear from Chase by the 30 day deadline, this complaint is therefore filed. I am marking the box " MAKING PAYMENTS '' below as it most closely relates to my problem of Chase refusing to remit my escrow funds. 

I am unable to attach the reference documents electronically, but will forward them directly to your office as soon as possible. 

We are dealing with Chase at this address : CHASE ( XXXX ), XXXX XXXX XXXX, XXXX, OHIO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two student loan accounts open with XXXX  XXXX XXXX in XXXX, PA. The problem at hand occurred in XX/XX/XXXX - XX/XX/XXXX. I had graduated from my university and no longer had access to my XXXXXXXX  email account. For some reason, XXXX  XXXX XXXX was only sending my bill to the XXXX  email address, even though they had my mailing address AND personal email address on file. I didn't notice until XXXX of XXXX that my account was overdue and marked delinquent from no payments from XX/XX/XXXX until XX/XX/XXXX, for 2 accounts, which would equal 16 late payments in total. Upon contacting XXXX  XXXX XXXX, they provided me no resolution and told me nothing could be done except for me paying the overdue accounts, which I did immediately. This practice is extremely unfair and has brought down my credit score significantly, for a problem with this XXXX XXXX agency, that is taking advantage of students by not communicating or providing notification through the proper channels for payment and billing. The fact that it took me 6 months to realize my account was overdue by pulling my credit is very alarming. I could only imagine how many others have faced similar problems with this agency. I have started formal disputes with credit score agencies as well, but have received no resolution on these matter as my credit still stands and these late payments will tarnish my credit score for long-term and prevent me from buying a home. I am not receiving and help or solutions from this XXXX XXXX XXXX department, nor the major credit unions on my dispute to get my credit score fixed so i can move forward. I could even pay off all the accounts in full today, so it's unfortunate that I have to suffer because of a systemic issue of this Federal student loan agency from years ago that made a big mistake and refuses to take the action necessary to make it right for someone to move on in their future and purchase a home.
Product: Credit card

Chime is refusing to mail closure check for a refund sent to a closed account. The refund was sent to a closed credit card builder account. They are claiming the account is delinquent however their supervisor XXXX confirmed it is not past due as their credit card wont approve charges if the balance is {$0.00}. 
Chime has been allowing regular employees impersonate supervisors, telling me to keep calling back Monday, telling me Ill receive an email, and there has been no progress since XX/XX/year>. Even at certain points providing me fake tracking numbers in chat. The ticket number that seemed promising with the supervisor XXXX is # XXXX the XXXX # for the fund : # XXXX sent to the closed account ending in ( XXXX ) in the amount of {$49.00}. 
And the worse part is they hang up on me continuously.
Product: Credit card or prepaid card

In XX/XX/XXXX of XXXX a purchase was made at rooms to go. That was incorrect. It took the store almost 3 months to fix everything between corporate the store and accounting and the credit card company to my knowledge. We went up to the store on XX/XX/XXXX. We came up to the store to resigned paper work. The account was supposed to be fixed. I get an email stating that my mimuim payment was late. I contacted rooms to go/synchrony bank. On XXXX occasions and put in disputes. U have to wait XXXX billing cycles for a response. I haven't spoken to anyone in upper management to assist me. I was paying what I was told to pay until. Original dispute was solved. I didn't get the promotional min payment calculated. And now it has his my credit report again for being late XXXX XXXX I'm confused. I haven't spoken to anyone to get account fixed. This has now again affected my credit report. Stating I'm over 30 days late. This is insane and very unprofessional. I have other synchrony accounts and never been through this with not able to talk to any one with the same information that customer service had.. I need some assistance some help to get my account back in good stats. I have never been in this situation. We want the furniture just want the payment corrected. And my credit report fixed because I am not late. Very disappointed. This is not the first thing I have brought from rooms to go. And I was never late and never had these issues. Please advise. 
Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown erroneous XXXX credit card showing on my credit reports recently. I do not own or have ever owned a XXXX XXXX. This card just started reporting on my Credit Reports with all XXXX bureaus and shows several years of history. 
I have never owned a credit card with XXXX! I have filed and attached a police report!
Product: Payday loan, title loan, personal loan, or advance loan

Goodleap has issued a long in the amount of XXXX for the installation of solar power. There is a stipulation in the contract that we must pay over XXXX after getting our tax rebate. When trying to make that payment I am now told it will cost me XXXX. 

To add insult to injury we have had nothing but problems from XXXX XXXX. Solar companies are XXXX  consumers.
Product: Credit reporting or other personal consumer reports

I recently discovered that my XXXX is being reported on my credit reports by [ Experian, Equifax, and/or TransUnion ] , despite never giving permission for this information to be shared. I did not authorize the courts or any financial institutions to disclose this information, and I believe this reporting is incorrect and unfairly damaging my credit profile. 

Key Details : Date of XXXX Filing : XXXX Date I Noticed It on My Credit Report : XXXX Credit Bureaus Reporting It : [ List Experian, Equifax, and/or TransUnion ] Steps Ive Taken : I have disputed this information directly with the credit bureaus, but they have failed to correct or remove it. 

The Fair Credit Reporting Act ( FCRA ) requires that all information reported on my credit file be accurate, verifiable, and fairly obtained. Since I never authorized the release of my XXXX details, I request that this information be immediately removed from my credit reports. 

I am seeking a full investigation into how this information was obtained and reported, along with a correction to my credit file. Please provide a response outlining the steps that will be taken to resolve this issue.
Product: Student loan

Edfinancial Services XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX : ( XXXX ) XXXX SS # : XXXX XXXX : XX/XX/XXXX Account # : XXXX RE : PLEASE UPDATE MY NAME ASAP To Whom It May Concern : Ive recently been informed that my loan has been transferred to your organization. Apparently, my name was listed incorrectly as XXXX XXXX XXXX, however, my legal name is XXXX XXXX XXXX. 
Please be advised. I have attached proof of identification and proof of address. 

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

I am requesting that EQUIFAX remove tax lien # XXXX ( filed date XXXX ) that is listed on my credit report in the amount of XXXX. 
I have disputed this tax lien several times with EQUIFAX in the last year. The attached tax lien only shows the last 4 digits, no dob, and an address that I 've never lived at. The National Consumer Assistance Plan ( NCAP ) states liens must have a full name, address, SSN ( full SSI, not partially or completely redacted ) and/or DOB to be reported on anyone 's credit file. You can see the attached tax lien does not meet the NCAP new rules that went in effect this past XXXX. I called EQUIFAX in XXXX XXXX and told them it does not meet the new rules, but they refused to delete it and advise me it would remain on my credit report. How can they just ignore the new rule? 

I told the operator that I was left with no choice but to file a complaint with the CFPB. I 'm requesting CFPB 's assistance in getting this tax lien removed from my EQUIFAX credit report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I tired to file my tax return and the tax professional told me that my social security had been used already to file my tax returns. I had to contact IRS to take measures. I soon received a call from a collection company as well that I owed money. Everything was making sense after I found out my identity had been compromised. My name and social security have been used for quite some time now and there were these things from my report. XXXX {$6000.00} XXXX {$880.00} XXXX {$1200.00} XXXX {$520.00} XXXX {$1300.00} XXXX {$0.00} XXXX {$420.00} XXXX {$410.00} XXXX
Product: Debt collection

XXXX XXXX calls me 20-30 times a day. Non stop back to back to back. Ive told them not to contact me any more. This has been going on for years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681 section 604A section 2 : States a consumer reporting agency or person can not furnish my account without my written instructions.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX dispute File number : XXXX. I did not live at that address that they have on file. I own that house and I rented it out. My mail continued to go to that address and someone used my information without my knowledge. The information they have is false information. XXXX XXXX XXXX harassed me at my job by calling numerous of times. I explained to them the information was false and they state they have attached the bill to my credit. There representive was very unprofessional.I gave them my personal phone number so they would stop calling my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Evaluate these accounts reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why there are {$8100.00} and {$15000.00} balance indicating if them are charge off account. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8100.00} ;
Product: Credit card or prepaid card

I would never get statements via mail or email. They only had one number to call and most of the time it just told me it had technical difficulties and hung up. It's been atleast 2 1/2 months I've called atleast once every 2 weeks and they have had technical difficulties each and every time. I would like to pay them and get my account current once again I just don't know how to contact elan financial services any other way.
Product: Mortgage

I am making a complaint against Wells Fargo again about the {$30000.00} settlement check they will send me. This money is going to cover my legal fees but what about the water bills, the loss I incurred for not refinancing my property, all of the pain and suffering during these years for Wells Fargo to take responsibility? They said that the check they will send is not an admission of liability of their part but who are liable of this mess? Their lawyer dragged me into this so they should be liable. 
I just spoke to XXXX and the property has a water bill of {$13000.00}. I mentioned that from the beginning that I contacted XXXX and they could n't give me any information because the house was not on my name. Apparently it is under my name now since it is recorded and it has to be paid. 
The rate is going up and I can not refinance yet because Wells Fargo can not finalize my papers. It is lost opportunity for me. That is why I am asking Wells Fargo to settle with me fairly. They need to do something. I am really tired over this.
Product: Credit reporting or other personal consumer reports

I wrote CCS COLLECTIONS requesting validation of this alleged debt on ( XX/XX/2023 ) As of today, the company only response was debt was verified. It has been 60 days. This company have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 5. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 

6. What is your authorization of law for your collection of information? 

7. What is your authorization of law for you collection of this alleged debt? 

8. Please send evidence your authorization to do business or operate in the state of ( Michigan ) 9. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

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

RE : REFERENCE # XXXX In response to the Validation of Debt of Account # XXXX dated XXXX XXXX. 

Be advise that after a review of the documents that were sent it has been determined that Spring Oaks Capital LLC is in possession of my Non-Public Personal Information without my consent ( See Attached ). which violates ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ) Spring Oaks Capital LLC is a Non-Affiliated Third Party. 

Spring Oaks Capital is using false, deceptive, or misleading representation or means in connection with the collection of this alleged debt. ( 15 U.S. Code 1692e - False or misleading representations ) Spring Oaks Capital is using false representations and deceptive means to attempt to collect this alleged debt. ( 15 U.S. Code 1692e ( 10 ) ) which states " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' Spring Oaks Capital sent a copy Bill Of Sale with redacted information that document can not bee used as evidence of a debt. ( See Attached ) Furthermore, there is no competent evidence that I have a legal obligation of this alleged debt. Additionally, Spring Oaks Capital LLC has not provided the required documents to prove that Spring Oaks Capital has the LEGAL right to collect and furnish this alleged debt. 

In the Validation letter that was sent to Spring Oaks Capital LLC the response was missing answers and/or documents to prove this allegation. The following questions and or requested documents were not answered or provided per my Validation Request ( See Attached ) 1. ALL required disclosures pursuant to 12 CFR Part 1006.42 3. Signed agreement Debtor has made with SPRING OAKS CAPITAL LLC or other verifiable proof Debtor has a contractual obligation to pay SPRING OAKS CAPITAL LLC. Any agreement that bears the signature of Debtor, wherein agreed to pay SPRING OAKS CAPITAL LLC. 
7. Please provide the name and address of the bonding agent for SPRING OAKS CAPITAL LLC in case legal action becomes necessary : Authorized Signature of Creditor : ______________________ In my Validation letter you were put on notice that your Claim WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents pursuant to the Fair Debt Collection Act 12 CFR Part 1006.34 Your office has failed to properly respond to a validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report, and a copy of such deletion request shall be sent to me immediately. 

Regards, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX