23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I Purchased a dog at XXXX XXXX in XXXX Wy, I was told I was approved for a loan with Lending USA and that the paperwork would come in the mail to me. They asked for my physical address and I explained I can not get mail at this address. I gave them both my PO box and physical address. I was told I would qualify for 6 months same as cash. I made this purchase the end of XX/XX/XXXX. I never received anything in the mail, I called Lending USA in XX/XX/XXXX to ask what was going on and they said they would email me the information. I never received an email and I went online and made a XXXX payment of which it did not leave my bank for a week. I then called and made this XXXX payment again over the phone after that I made a XXXX payment in XX/XX/XXXX and a XXXX payment in XX/XX/XXXX never have I received any information on how much to pay or when the payment is due and I have called them several times. I asked about the payoff and it was a lot more then I thought. they said because I was late due to never getting paperwork I lost my no interest. I filed a complaint since they did not mail it to me and they stated they did to the physical address which I can not get mail. I feel this is fraud to get the consumer to buy and then take them for a large amount of interest. They say I still owe {$700.00} for a {$1900.00} purchase and I have already paid {$1700.00}. I want help to resolve this as it is unfair, I have never been late on any of my cards or loans. I have no idea how they are being able to get away with this.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, LVNV FUNDING LLC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
LVNV FUNDING LLC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
LVNV FUNDING LLC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Credit reporting

Dispute was filed with Equifax, but no final response have been received.  The investigative results by XXXX  concluded that  I am no longer liable for the following reported XXXX collections XXXX.  Accordingly, XXXX the aforementioned credit agencies have removed these collection items from my credit report.    However, these same collection items remain on my credit report from  Equifax  and need to be removed asap.
Product: Debt collection

Convergent Outsourcing sent me a bill for an alleged debt. The alleged debt is past the statute of limitations. I do not want any further contact from Convergent Outsourcing in any form. When I have spoken to Convergent in the past they misrepresented who they were which is a flagrant violation of the Fair Debt Collections Practices Act. I do not owe any alleged debt they are trying to collect. They are hostile and abusive when speaking with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX, 2020, I attempted to open a checking account with XXXXXX/XX/XXXX. They could not open an account because of information that was provided to them by a company called EARLY WARNING, out of XXXX Arizona. 
The bank provided me with the information of obtaining my consumer report from the above mentioned company. 
Upon calling the company on the XXXX, the representative sent me a form that I had to fill out and was told that they would email the report in 7-14 days. 
After no follow up from the company, I called them on the XXXX of XXXX and they stated that they had not received my request for the report. They then said that they would mail me a letter that I would have to receive, then call them and read them the letter before they would provide me with my own consumer report. I am a victim of identity theft and need the report to ensure no other fraudulent accounts are open. The company refuses to issue my report to me without making me go through hoops. 
It is illegal for them to withhold this information that they have affecting my ability to open a new account. I had to close previous accounts because of the identity theft. The company should be charged and held accountable under the consumer protection laws.
Product: Mortgage

I requested a pay off quote on XX/XX/20. They told me that I had until XX/XX/20 for {$3900.00}. On XX/XX/20 I completed a online payment of {$2700.00} and sent {$1200.00} in a cashier check. I paid the {$2700.00} online because I knew the cashier check wouldn't get there by XX/XX/20. I thought by paying the {$2700.00} first I can keep the payoff amount as quoted ( the interest would not accrued. ) I called customer service to ask if this would be an acceptable method ; he confirmed that it would be fine. 

They cashed the check XX/XX/20. These payments were not applied to the payoff amount ; the account is still showing unpaid principle amount of {$850.00}. I have been trying to resolve this issue since XXXX. XXXX XXXX, they told me that they can not honor the online payment as a payoff amount to the principal because it was not in the cashier check form. 
For the past 7 months, I have been the only one reaching out to them. I had explained to 10-15 customer service about my issue ; every single time, each one of them said that they would call me back, but none did. I feel that I had paid for amount and even proactively to sent the payment earlier so they could the money earlier. Due to technicality how the payoff payment was made, they lengthening the time of this issue to be resolve to accumulate the interest. 

I would appreciate any advise on how to pursue to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my credit report today and I noticed some accounts open that Im not aware of as you know posting anything on my report without my consent is against the Fair Credit Reporting Act and it should be removed immediately I have a Ftc report attached for more details. I just wan na better myself in life dont put all this stress on me.
Product: Checking or savings account

A few years ago, I opened an account with BBVA Online. However, the documents they requested did not get to them on time so they closed my account and locked online access.

A month ago I opened a new BBVA account. This last month I had nothing but issues with customer service and online support in getting my online access profile unlocked.

I have spoken with countless employees and no one is able to help me - one even suggested that I fax in my id, ssn card, and other personal documents to BBVA - which I have done. Still, I have not received a solution with this.

The last call I made, I was on the phone for an hour - and I was purposely disconnected.

All I know is that someone in BBVA had locked my profile from a few years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX CT XXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1962 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting or other personal consumer reports

XXXX XXXX alerted me of a hard inquire, as of XXXX have not applied for anything. I called XXXX XXXX, XXXX, and did not feel comfortable giving out any personal information. So much scamming going on. Then I contacted XXXX, Equifax and XXXX, to freeze my reports. This is so not what I wanted to be doing today!! This hard inquiry took my points down XXXX points!!!!
Product: Credit reporting

As per my previous complaint ( case # XXXX ), I have filed numerous disputes with Equifax about the " date filed '' that 's listed on the judgement on my report. The court keeps replying to Equifax stating that the " Date Filed '' XX/XX/XXXX on the Satisfied Judgement is verified to be correct ( This is not the date filed but rather the date the judgement was issued ). Equifax took it a step further with the complaint and stated that the court docket documentation shows that the date for the Judgement to be effective was XX/XX/XXXX. The issue here is that I 'm not disputing the date for the judgment to be effective ( which is the date that is reflected on my report and should n't be ). I am disputing the date filed, which is what 's supposed to be reflected on my credit report. The date filed was XX/XX/XXXX which is clearly indicated on the docket. At this point, Equifax updates the report internally but continues to verify with the court who sends the incorrect date ( the court continues to reply with the judgement issue date as opposed to the file date - Which is inaccurate ) and Equifax continues to default back to the wrong date. At this point there are several disputes and just the same old song and dance with the same result. XXXX and XXXX have both resolved this issue. XXXX recognized through their internal review process that the courts are referencing the incorrect date so they manually made the adjustment. XXXX however had a similar outcome to equifax but they internally took the decision to purge the item before I could lodge a complaint. 

Please reference the attachment scan.pdf for the official court docket. 

Thank You
Product: Credit reporting or other personal consumer reports

Equifax has a lot of inaccurate and negative information on my report. When I tried to go online to obtain and dispute these information, I am getting error code NH. I called Equifax and they can't give a reasoning for the code. They stated it would be escalated. I was told I had to wait for my credit report to be mailed to me within 4-5 business days. I think that is ridiculous.
Product: Debt collection

QAR debt collection agency I received a letter from a previous employer for an attempt to collect tuition reimbursement. Never received notice from my employer that money was owed. My payment was not due until XX/XX/19. I sent in documents that I felt I was not responsible to pay. Also, the check was mailed out on the XX/XX/XXXX never cashed called my bank to verify, and had to cancel payment I was charged XXXX to do that. I filed a complaint through the XX/XX/XXXX and company told them the check was cashed it never was. My case number with them was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that was previously removed from my credit reports after an investigation was opened and completed, was reinserted back on my credit report and also re-aged. The Credit Bureau agency did not notify me in writing within 5 business days. I was not notified at all that this account would be reinserted. The account was removed due to inaccurate information and they did not validate the debt. Also the statute of limitation has passed on it from the original creditor. ( XX/XX/2012 ) I also notice that the collection agency " re-aged '' the account by updating the date of last activity my credit report to keep the negative information on my report longer Account - XXXX XXXX {$490.00} I am in the process of buying a home and this is interfering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Account # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankruptcy needs to be removed from my report. The bankruptcy case was filed in error. The case never entered judgement. The case was closed by the Judge. The trustee was cancelled. No money allocated. Judge order signed XX/XX/2018. Case # XXXX Equifax says they have been getting data from XXXX XXXX who is reporting I went through a bankruptcy. This is false. There was never any judgement. The judge closed the case XX/XX/2018. XXXX XXXX has been reporting false info. for years. I would like to sue for the false reporting. The case was filed in error and the Judge closed the case. I NEVER went through any bankruptcy judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax, XXXX, XXXX : number of accounts with Delinquency, serious delinquency, length of revolving accounts
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I noticed several inquiries that I did not authorize or recognize. These inquiries have negatively impacted my credit score and financial standing. 

Below are the details of the unauthorized inquiries : Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : N/A Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : N/A Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : N/A  Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : N/A I have not applied for credit with the aforementioned creditors or authorized anyone else to inquire on my behalf. These unauthorized inquiries are inaccurate and unjustly affecting my creditworthiness. 

I kindly request that these inquiries be promptly investigated and removed from my credit report. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. 

Enclosed are copies of documents supporting my identity, such as a driver 's license, passport, or utility bill, as well as any additional information you may require to assist with this investigation. 

Please provide a written response confirming the removal of these unauthorized inquiries from my credit report as soon as possible. Additionally, I request that you send an updated copy of my credit report reflecting the removal of these inquiries. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Mortgage

CFPB XXXX XXXX XXXX : Lakeview XXXX XXXX, LLCProduct : MortgageIssue : Problems with PMI ( Private Mortgage Insurance ) What Happened : I am the owner of the property at XXXX XXXX XXXX, XXXX, NJ, with mortgage loan # XXXX serviced by Lakeview XXXX XXXX. 
Over a year ago, I formally requested the removal of Private Mortgage Insurance ( PMI ) after reaching below 80 % loan-to-value ( XXXX ). Lakeview has refused to cancel PMI without requiring me to pay {$650.00} for a full appraisal, despite overwhelming evidence of substantial equity and my long-standing request. 
My current mortgage balance is approximately {$860000.00}, and based on multiple recent home sales in my area, my property is conservatively worth XXXX XXXX. Examples of recent comparable sales include : * XXXX XXXX XXXX, XXXX, NJ Sold for {>= $1,000,000} in XX/XX/XXXX * XXXX XXXX XXXX, XXXX, NJ Sold for {>= $1,000,000} in XX/XX/XXXX * XXXX King XXXX XXXX XXXX XXXX, NJ Sold for {>= $1,000,000} in XX/XX/XXXX My loan-to-value ratio is now approximately 66 %. Despite this, Lakeview continues to charge PMI and is requiring me to pay for an unnecessary appraisal. Additionally, because I first requested removal over a year ago, I have now paid more than 12 months of unjustified PMI premiums due to inaction on Lakeviews part. 

What I Want the Company to Do : 1. Immediately remove PMI going forward without requiring a new appraisal, based on clearly demonstrated equity XXXX. Retroactively cancel PMI as of the date of my original request and refund or credit the PMI premiums Ive paid over the past year-plus XXXX. Ensure their PMI removal policy is compliant with federal law and treats other similarly situated borrowers fairly
Product: Credit reporting, credit repair services, or other personal consumer reports

ASKED XXXX TO SEND THE SIGNED CONTRACT FOR THE ALLEGED ACCOUNT, HOWEVER, THEY ONLY SENT STATEMENTS. THEY ARE IN VIOLATION OF 12 USC 5561 ( XXXX ), 15 USC 1681 ( A ) ( XXXX ) ( B ), 15 USC 1692B ( XXXX ), AND 15 USC 1681 ( B ). IT WILL BE A {$1000.00} PER VIOLATION.
Product: Credit card or prepaid card

I received an email from XXXX XXXX on XX/XX/XXXX @ XXXX in regards to ID XXXX finding my data in an internet breach. I notified all XXXX credit bureaus today, XX/XX/XXXX to place a fraud alert, and while in contact with XXXX there were XXXX or XXXX inquires that showed up on my credit file that I didn't recognize or authorize. XXXX of the inquiries was for a credit card from Wells Fargo for XX/XX/XXXX, a finance company for an auto lease back in XXXX of XXXX, along with a few other inquiries from companies that I've never heard of/or authorize. I had other compromises with my internet ( XXXX ), home security cameras, and landline home phone all for an attempt to steal/get my information. I received a fraudulent email from scammers through my XXXX account ( XXXX ) the week of XX/XX/XXXX trying to get me to pay XXXX by XX/XX/XXXX on my loan account through XXXX when I don't have a payment due until XXXX, so that attempt failed. I've received several sign in failed notifications that scammers have attempted to get into my XXXX account. I've received/fradulent ( XXXX  ) calls almost daily. My name for my landline phone is not showing up in caller id when making outbound calls for some reason. A random persons name is showing up as being attached to my landline number. I had to change my telephone number with XXXX only to continue getting those fradulent XXXX XXXX  ) calls, and issues with someone else 's name showing up in XXXX XXXX when I make outbound calls from my landline number. I've been working with XXXX  over a year and with XXXX or XXXX representatives/technicians/engineers trying to get the issue with my XXXX XXXX resolved with no resolution.. A complaint has been filed with FCC and FTC. Your assistance on inquiries with the financial institutions that I didn't authorize is greatly appreciated.
Product: Bank account or service

Good morning, An employer whose fictitiously written a check in the amount of {$1900.00} asked me to work as a mystery shopper and XXXX XXXX XXXX, XXXX, as he stated that after shopping at XXXX for {$50.00}, keeping {$250.00} as payment for writing my survey, was to redeposit that XXXX money order back into my personal Wells Fargo account for the remaining balance of {$1600.00} for the next service agent 's survey. 

I contacted the initial XXXX party website at : XXXX ( XXXX XXXX of XXXX XXXX XXXX Police, XXXX, XXXX, CA ) whereby they referred me as an employee and later I informed him of this phising scam and so he took a report. I said to him {$1600.00} was redeposited into my bank account as XXXX XXXX fowllowed me with my cell phone and cash was passed onto the next service agent. At no time did I understand by the XXXX that this was a phising scam, but Wells Fargo Bank bounced a fictitious paycheck that cleared on XXXX/XXXX/2015 and then, bounced on the XXXX. By that time, the cash was already deposited into XXXX XXXX XXXX across the street and I lost out on the total of {$1900.00} for alias account holder : XXXX XXXX XXXX account no, XXXX XXXX XXXX. 

Please let me know if there 's any restitution for this matter. 

Thank you, XXXX XXXX XXXX XXXX XXXX, CA XXXX