23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV Funding LLC is sharing my nonpublic personal information with non affiliated XXXX XXXX XXXX, XXXX XXXX XXXX. LVNV Funding LLC does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of XXXX  federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts do not belong to me and they are effecting my credit negatively. I have listed all the info I have about the accounts. 
XXXX XXXX account # XXXX Balance {$220.00} XXXX XXXX account # XXXX Balance {$87.00} XXXX  XXXX XXXX account # XXXX Open XX/XX/2019 Balance {$0.00} XXXX  XXXX XXXX account # XXXX opened XX/XX/2019 Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an inaccurate and unauthorized collection account being reported on my credit report by Equifax. I previously requested that the debt collector cease all communication with me under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Despite my formal cease-and-desist request, this collector continues to report the account, which constitutes an ongoing form of communication that negatively impacts my credit score and financial well-being. This reporting not only violates the FDCPA but also the Fair Credit Reporting Act ( FCRA ), as the information is inaccurate and remains on my credit report despite being disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a home loan with the lender Loancare/XXXX XXXX for 39 months and paid all payments on time. I was selling my home and called in XXXX to get the payoff statement sent to me so I could give it to my title/closing company. The lender told me not to pay the last payment as it would be rolled into the payoff statement and would not be marked as a late payment. When the payoff went through and credit reporting was done for the month the lender marked my final payment on the loan as 30 days late. The payment was technically 30 days late but I was told it would not be marked late as it would be rolled into the payoff statement. This is adversely affecting my credit score to where I can now not purchase a new home and is at very best a miscommunication and should be forgiven as a late payment since it was not a late payment due to inability or unwillingness/forgetting to pay. I did not pay the bill at the direction of the lender and therefore do not think this late should be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know my rights so please correct the following accounts.I reviewed the law located at 15 USC 1681i which describes your investigation responsibilities.Please complete this dispute in a timely manner and send the results to me so I can verify my credit.Thank you for your help.Please correct the accounts listed below. 

Account name : XXXX  XXXX Account number : XXXX Account name : US DEPARTMENT OF EDU Account number : XXXX Account name : US DEPARTMENT OF EDU Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX
Product: Checking or savings account

I went and opened a bank account and XXXX XXXX  and they took out XXXX page and didn't show me what it was then next thing I know their saying I owe them for a product they sent back and didn't tell me what it was
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX XXXX XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Notice of Intent to File Lawsuit for Continued Reporting of Fraudulent XXXXXXXX XXXX Account Dear Experian Dispute Department, This letter serves as formal notice of my intent to file a lawsuit against Experian for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] due to your continued reporting of a fraudulent XXXXXXXX XXXX XXXX XXXX account on my credit file. Despite submitting a Federal Trade Commission ( FTC ) Identity Theft Report, a police report, and multiple dispute requests, you have failed to remove this fraudulent account, causing significant financial and reputational harm. 
Details of the Fraudulent Accounts : * Creditor Name : XXXXXXXX XXXX XXXX Account Number XXXX * Date Opened : XX/XX/XXXX * Creditor Name : XXXX XXXX  * Account Number XXXX * Date Opened : XX/XX/XXXX I have provided sufficient documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires consumer reporting agencies to block fraudulent accounts when a consumer provides an identity theft report. You have failed to comply with this obligation and have instead continued to report inaccurate and damaging information.

Due to your willful noncompliance, I am prepared to file a lawsuit against Experian in California Federal Court for the following violations : 1. Failure to block fraudulent information as required by FCRA 605B.

2. Failure to conduct a reasonable reinvestigation as required by FCRA 611.

3. Continuing to report inaccurate information in violation of FCRA 623.

I demand that Experian : 1. Immediately and permanently remove the fraudulent Discover Bank account from my credit report.

2. Provide written confirmation that this account has been deleted from my file.

3. Cease and desist from any further reporting of this fraudulent account to lenders, creditors, or other third parties.

If I do not receive written confirmation of full compliance within 15 days, I will proceed with legal action seeking statutory damages, actual damages, punitive damages, and attorneys fees as permitted under FCRA 616 and 617. Additionally, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office regarding Experians continued failure to comply with federal law. 
This is your final opportunity to resolve this matter before legal action is taken. Please respond in writing to confirm compliance by XX/XX/XXXX Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXXXXXX  two hard pulls were reported on my account. I never applied for a Walmart credit card. A day later I get a report that the card is being made. I did not put an inquiry in for a credit card. I do not need another one and I dont know what or who did that. Please help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive as they did not comply with error, resolution requirements under electronic fund transfer act and regulation E. These actions have caused significant. Inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

XX/XX/2019 my father passed away and I called the company asking for an extension briefly to pay for funeral expenses. I was going to make the minimum payment of {$25.00} the following week as my bill was due on the XXXX of XXXX. I made a double payment the following week but still have a late payment. I've contacted to company multiple times letting them know what happened but still haven't been able to get anywhere.
Product: Debt collection

Sent a letter to the collection agency asking for VALIDATION of debt not VERFIFY. Ask if the debt could not be VALIDATED within 30 days to please remove from all 3 credit bureau reports. Agency responded to my request by sending a letter titled VERIFICATION OF THE DEBT
Product: Checking or savings account

In late 2022 my robinhood account was deactivated. They continued to declare my funds as illegitimate. They are mine and the accounts prove to show that. They did nothing to help and took months to waste my time. They hold XXXX $ of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

HIPPAA VIOLATION NO KNOWN KNOWLEDGE OF ACCOUNT NO CONTRACT OR KNOWLEDGE OF BUSINESS XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$1000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX Historical info Original creditor XXXX XXXXXXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Your statement Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Previous : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX XXXX info This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter on XX/XX/2022 To remove personal information that I do not want on my credit report. 

According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Product: Debt collection

XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX, XXXX, CA XXXX ) has committed fraud. The company created fake loan number XXXX and hired XXXX XXXX [ XXXX  XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, WA XXXX, phone ( XXXX ) XXXX. Fax ( XXXX ) XXXX ] and XXXX XXXX XXXX [ XXXX. XXXX XXXX, XXXX XXXX, WA XXXX ] in attempt to collect {$15000.00}. XXXX XXXX XXXX, XXXX placed my name and my wife 's name on that fake loan. 
We have never signed any loan documents with XXXX XXXX XXXX, XXXX Approximately XX/XX/2020 I received 30-day notice of demand - intent to foreclose and right to cure from XXXX XXXX demanding {$15000.00}. On XX/XX/2020 letter from my attorney was mailed to XXXX XXXX, disputing the debt, informing XXXX XXXX that I have never applied for a loan with XXXX XXXX XXXX, XXXX and requesting to validate the debt. 
Approximately XX/XX/2020 I received recently fabricated loan application from XXXX XXXX XXXX with my name on it and XXXX XXXX  as a lender. The application is missing signatures. Application for HELOC with XXXX XXXX I signed. Copy of the application I received from XXXX XXXX XXXX is not copy of my application I submitted to XXXX XXXX. On XX/XX/2020 second letter from my attorney was drafted and mailed to XXXX XXXX and XXXX XXXX XXXX informing them that their collection attempt to be fraudulent and demanding second time to validate the debt XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX have failed to validate the debt. 
Apparently XXXX XXXX and XXXX XXXX XXXX have disengaged themselves from doing business with XXXX XXXX XXXX, XXXX due to the fraud. I have not received any more letters from either XXXX XXXX and/or XXXX XXXX XXXX, XXXX demanding money. 
On XX/XX/2020 letter drafted by my attorney was mailed via Certified Mail to XXXX XXXX XXXX, XXXX informing that HELOC loan with XXXX XXXX was paid off in full on XXXX. Attorney requested to release the lien and stop all collection efforts. XXXX XXXX XXXX, XXXX is holding the Deed Of Trust XXXX XXXX has failed to release when the HELOC was paid off. XXXX XXXX XXXX, XXXX has captured the Deed Of Trust and is fraudulently demanding money. As of XXXX XXXX XXXX XXXX, XXXX has refused to accepted the letter from my attorney and proof of payoff from XXXX XXXX. Second notice in attempt to deliver was generated by Post Office on XXXX. 
XXXX XXXX XXXX, XXXX has hired Aldridge Pite , LLP ( XXXX XXXX XXXX, XXXX XXXX, California XXXX, phone XXXX ) On XXXX I received Debt Validation Notice letter from Aldridge Pite, LLC with amount {$40000.00}. Loan number is listed as XXXX XXXX XXXX XXXX XXXX XXXX has failed to release the deed of trust and continues its fraudulent activity attempting to collect money.
Product: Mortgage

My complaint is against my current mortgage lender, Caliber Home Loans. To start, I've been in the mortgage industry for almost 20yrs and I am shocked and dumbfounded by the deception of this company and the constant harassment I've received and I've kept documentation for proof. First off, the prospect of removing my Mortgage Insurance with this company seems impossible. I have way more than 20 % equity in the home and my MI is eligible to be released, but when I've called ( after receiving refi offers from Caliber ) they say I am not eligible without giving a reason. They also refer to my escrow shortage ( I currently escrow with Caliber ) as being delinquent which is not true. When I thought I was ready to drop my MI, they took my payment from XXXX to {$1900.00} to account for this shortage which is a ridiculous increase and forced me into my next situation. 

I applied for the Safe act forbearance in XXXX only to be approved immediately on XX/XX/XXXX, then I was sent a letter dated XX/XX/XXXX from Caliber saying it was denied and there are better options for me? How is this the case? When the federal govt decided to offer this great assistance, was it determined the lender can deny it ( I have a fha loan ) and tell me I should modify loan or sell? I am constantly harassed by Caliber with phone calls to the point I had to block them. I have record of a call everyday going back over 60 days. I have advised them many times I use this phone for call but that only seemed to intensity the call.

Again, I've been in this industry for a long time spanning from XXXX, XXXX  XXXX XXXX and now XXXX XXXX  and I have NEVER EVER, seen this type of practices. I have consulted a real estate attorney in this matter as well but I am hoping and praying the correct action is taken and this company is investigated because they are taking advantage of people in times when people need help. It's wrong. If needed my Loan # : XXXX Thank you!
Product: Bank account or service

chex systems reports that i have deliquent bank accounts. I filled bankruptcy XXXX chapter XXXX included all bank accounts. now im on my feet and cant open an account
Product: Credit card

Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time, yet they erroneously report me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Credit Reporting Crime Wells Fargo Credit Card Fraud Department Purposely reported incorrect and incriminating information to the XXXXhree major credit bureaus to trash my credit score. 
After several months and more than thirty instances of hacking into everyone of my WF accounts my wife and I decided to leave WF for a new bank. This was after more than 25 years with Wells Fargo of effortless and loyal banking. We had to get away from a situation that left us severely sleep deprived and uncontrollable anxiety in the case of my wife. The hackers used clever hacks to move money from one account to the next and then buy thing like crypto currency from my check account. WFs fraud departments were structure according to the account types and simply could not deal with this situation. They would solve it by just replacing the lost funds. The internet banking app was easy to hack into and that is how most transactions occurred. 
The credit card fraud department were very bad and unable to stabilize the balance so that we could pay the outstanding balance to close the account. In a desperate effort to block out the hacker, they decided to close the account completely and create a completely new credit card account. They committed to sending the new credit cards overnight. That did happen as promised, a new card for me, one for my wife and one for one of the hackers XXXX XXXX were in the XXXX  envelop. 
After trying various things to stabilize the account and determine what we were responsible for failed, we decided that we will just pay the full amount and close the account. That turned out to be more difficult than we expected. It took all morning to get an amount to pay and once we did, there was no senior banker to close the account. We went for lunch and came back when the snr banker was supposed to be there. He started the close, but could not because the balance was no longer zero. I told him everything we had been through and he laughed non-stop for a while, then said : I knew we were bad, but I never realized we were this bad! 
When by monthly CREDIT REPORT UPDATES came, I was shocked to see a drop of more than XXXX points on all major bureaus. I called XXXX immediately and they identified the cause as a report from Wells Fargo Credit Card. It reported various late payments and stated that the account was closed because of delinquency!!!! 
My wife still suffers from severe anxiety  and sleeplessness. I have suffered financially as a result of the damage they caused to my credit history.
Product: Bank account or service

Navy Federal allows real-time transfers from XXXX account to the other. Savings to checking and vice versa is essentially real-time. When making transfers from XXXX to a credit card, it is not real-time. WHY?! I made a {$500.00} transfer on a Friday from savings to my credit card. The funds were immediately withdrawn from the savings but not posted to the credit card. How can some transfers be real-time and others not in the same system. It seems to me that for credit cards transfers that this " Delayed posting '' is a selected specific system setting. I have memberships at several other credit unions ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX and all of those XXXX are significantly smaller in asset size than Navy Fed and they ALL allow real-time posting on ALL products. My complaint is that when Navy does this, funds are removed from my savings account where I begin losing interest immediately yet the post is delayed to the credit card where I am still being charged interest on my balance! If the funds are removed from my savings and not posted to another product, where are they? They seems to be in a " virtual '' status where Navy is not paying interest on those funds and still charging interest on the other account balance. If much smaller institutions have real-time transfers then the largest credit union in the world should as well especially if they have this on other products. If they are doing this to me then what are they essentially earning on those virtual funds when this happens to possibly XXXX of members monthly! When this delay occurs on a long holiday weekend, which becomes a delay from Friday night until the funds are finally posted to the credit card during their " end-of-day '' processing on Tuesday! In short, that is a ton of interest that members are losing and Navy is earning. It almost amounts to double-dipping ; not paying interest on funds they are holding and still charging interest on the credit card balances.
Product: Credit card

I have been trying to reach someone XXXX at American Express regarding suspected fraudulent balance information given out by XXXX automated system and can not get anyone in the XXXX. When i call XXXX in NYC they tell me my only recourse is to e mail the chairman.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Product: Prepaid card

Received these replacement cards and they're locked, so I still can't use them.
Product: Other financial service

I was not sure whether " lost or stolen check '' or " fraud or scam '' better fits my situation. I wrote a check for a man who was supposed to provide services for myself and a client. Before I gave the check to the man, my client informed him ( not yet me ) that the project was cancelled and that we no longer needed his services. At the time, no work had begun at all, and none has ever been done, at all. He and I had already scheduled a time to meet for me to hand over the materials to start the job and the check for the project. When we met, he lied and said the project was still " on '' and I handed over all of the materials and the check. Minutes after I handed him the check, the client told me the project was cancelled and that she needed to make sure he was n't prepaid for it ( and that she had already told him this ). I immediately told him that I needed the check back, that the project was cancelled and that I was aware that he was notified of the cancellation before he accepted the payment. I told him there would be a Stop Payment on the check. He would not respond to my texts and phone calls and went immediately to a check cashing store to cash the check that he knew had a stop payment on it. Flat Out Fraud. The check cashing store cashes the check and pays the man. Days later, when the check cashing store tries to deposit that check into their account, it is returned because of the Stop Payment. They first try for several days to contact the man, but of course, he is a criminal. He is not going to do the honest thing, answer them, and right his wrong. After he does not answer them or respond in any way, the check cashing store calls me to " collect a debt ". They call multiple times a day to pressure me to pay them back what they paid to him. I do not have a debt to them. I did not go into their store and take money from them. The man did. I confronted the man about this and told him that I needed the money that he took from the check cashing store. After first trying to deflect and change the subject, he apologized several times and said that he would " get me my money back ''. However, he never has, and has continued to ignore calls from the check cashing store. The check cashing store now harasses me everyday to pay them. I do not believe I should have to. I did not defraud anyone and have never even done business with their establishment at all.