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

On XX/XX/XXXX of XXXX a {$120.00} charge from a company/organization called " IC System '' was placed on my credit report in the collections category. I've attempted to reach out to this organization to get more information on the actual debt, but did not receive a response to any of my contacts. In addition to this, I wasn't notified of this debt prior to it being placed on my record. In XXXX of XXXX I was finally able to find the source of the debt when I submitted a dispute to XXXX. XXXX ( the internet provider ) placed a {$120.00} collections from my account that is up-to-date on payments and was just recently closed out. I reached out to XXXX in an attempt clear up the issue, but the representatives that I spoke with were unable to locate the {$120.00} charge that is supposedly owed. I am a XXXX XXXX  who is already having credit troubles due to changes in my family 's financials and something like this makes it impossible to secure leading to continue my schooling. I appreciate any and all help that the CFPB can offer.
Product: Money transfer, virtual currency, or money service

Dear XXXX and XXXX, I requested a refund for overpaid taxes through Form 1040 while working in the US on a XXXXXXXX XXXX in XXXX, and I received a check for {$1800.00} from the XXXX Treasury around XX/XX/XXXX. 
I deposited this check into my Chase account via mobile checking on XX/XX/XXXX. 

However, the money was deposited, then went into a pending status, and eventually disappeared, leaving me unable to access my account. 
I contacted Chase to ask why my account was suddenly blocked, and they initially claimed that my check seemed fake, which led to my account being locked. 
They then changed their story, saying that my account was not allowed to do mobile checking, but I attempted it anyway, which caused the lock. 

Chase informed me that my account would soon be closed, and that the {$98.00} I had deposited before the checking would be sent to my home address as a check. However, the mail I received from Chase only indicated that my account had been processed to {$0.00} and closed, and there was no check included.

Chase told me that the check I deposited via mobile checking could not be used at Chase, and if I wanted to check it, they needed to verify the authenticity of the check from the US Treasury and inform Chase. Since I informed Chase that I had returned to XXXX, I interpreted this as Chase having no intention of providing me with the funds.

Additionally, since Chase told me that my check was unheld, I assumed that the check deposit had not been processed, so I went to XXXXXXXX XXXX in XXXX to cash it. 

However, on XX/XX/XXXX, I received an urgent call from XXXX XXXX XXXXnforming me that they had received a notification from Chase stating that the check had already been cashed on XX/XX/XXXX. 

As a result, I had to return all the funds I received from XXXXXXXX XXXX Due to the issues I experienced with Chase, I was unable to recover the tax refund I received from the US Treasury, and I was misunderstood as having used a bad check at the XXXX bank. 

I am attaching three files as evidence regarding this matter : 1. The letter from the IRS stating that they would refund my taxes.

2. The document from Chase stating that my check had already been cashed on XX/XX/XXXX, sent to XXXXXXXX XXXX 
XXXX. My bank statement sent by Chase instead of the check.
Product: Debt collection

Lvov funding put three charge-off accounts on my credit report and claiming that they are recent as of XX/XX/year>. I contacted ( XXXX ) XXXX XXXX XXXX XXXXXXXX they said I do not have any current accounts with them and they never sent LVNV my information and that LVNV brought my charge-off accounts from different creditors and trying to XXXX XXXX of my money and hurt my credit by reporting this as a new account. The same was stated from credit one and LVNV is using a fictitious and fraudulent company called XXXX XXXX XXXX in XXXX, California as a front. The number does not work or is no longer in service and because of this I am not able to get a house, nor a house loan or any type of credit because of this. LVNV wants me to use their specialist department to pay them for accounts that have been charged-off that they brought.
Product: Debt collection

XX/XX/2024 : Eastern Revenue , Inc. ( ERI ) opened a collections account for {$2100.00}. ERI did not verify the debt, notify me of the debt, or provide information on my right to dispute the debt in writing before opening the account. 

XX/XX/2024 : I a phone call from ERI regarding the collections/attempt. This was the first verbal communication I had received about the open account. No written communication verifying the debt, notifying me of the debt, or providing information to dispute the debt has been provided. I stated I would not speak to him as this was the first I learned of the debt collection, and I felt uncomfortable continuing the conversation. 

XX/XX/2024 : ERI called. No written communication verifying the debt, notifying me of the debt, or information to dispute the debt has been provided. 

XX/XX/2024 : ERI called. No written communication verifying the debt, notifying me of the debt, or information to dispute the debt has been provided. 

As of XX/XX/2024, ERI still has not validated, notified, or provided dispute information to me in writing.

ERI has violated the following sections of the Fair Debts Collections Practices Act : Section 809, Validation of Debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Debt collection

First contact with debt collector was XX/XX/XXXX. Received XXXX letter dated XX/XX/XXXX. This is the first and only written communication the company has made. The letter is missing the following information : 1. a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector 2. a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector
Product: Checking or savings account

I opened a checking account with Union Bank on XX/XX/XXXX, using a promotional brochure promising to deposit {$200.00} into my account 100 days ( after date of opening account ) if I had a direct deposit ( of {$500.00} or more ) within 60 days of opening the account. My direct deposit ( monthly Social Security payment ) when through on XX/XX/XXXX -- and again on XX/XX/XXXX and XX/XX/XXXX. My account is current and in good standing. I have had no overdrafts. 
I have been assured that I have met the criteria to receive the {$200.00}, but I have not received it. It should have been in my account on XX/XX/XXXX. No one at the bank can tell me when it will be deposited. This situation violates the terms of the promotional agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed an inaccurate ( fraudulent ) account showing on my credit report. 
XXXX XXXX XXXX is an account that does not belong to me. 
Submitted dispute to XXXX  and it stated it was removed. 
This account is not mine, because I have not had XXXX services. This account states it was opened XX/XX/2019. 
It is still being reported by XXXX and Equifax.
Product: Credit reporting, credit repair services, 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 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 an account without my written instructions/consent 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been charged for an item that I never received from the Vendor XXXX. I advised XXXX that my item never arrived and that the tracking number showed it was delivered to a different location in a completely different state. XXXX told me that they would investigate further into the matter and I have reached out to them many times. I just kept getting the run-around and no response, and now they report late charges to my credit report. This is hurting my ability to buy a home and to seek new employment opportunities. XXXX needs to remove those late payments from my credit report, for a product that I didn't receive due to their negligence. I contact XXXX and they send me to XXXX, I contact XXXX and they send me to XXXX, the whole thing is a charade.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Mortgage

We are in the process of refinancing our home with Freedom Mortgage who is also our current mortgage servicer. The underwriter is treating our loan as if we do not currently have a loan with the company and as though we are behind on our loan or have ever been. Our appraisal came back at XXXX % LTV which would not allow for us to have the PMI removed. I requested to have an updated loan estimate to include the PMI from the processor as well as the loan officer and I did not receive this information. I would like this information to be able to make an educated decision on my refinance options to know if it would be worth it. This has been the worst refinance experience ever. If I had a choice of a new servicer then I would certainly take it.
Product: Student loan

I have needed to take out over {$150000.00} in student loans to complete my graduate education XXXX. I now work XXXX and am not making ends meet because of the high cost of my loans. I fear I will never be able to afford a family. All of my loans, including government loans, are between 6 % and 8.5 %. How can banks charge such high rates when a person could buy a {$50000.00} car for almost no interest? I imagine they are " following the rules '', but what kind of society allows institutions to make money off the backs of young people who contribute significantly to the health of its population? Is there anything to be done? XXXX XXXX XXXX, PA
Product: Mortgage

Cherry Creek Mortgage in XXXX Colorado assured me after submitting at least XXXX pages of documents to refinance my existing loan that they would have a fast approval. The process started in XXXX of 2016 and had a lock rate of 3.5 %. My constant communication with them and their lack of response to my questions on status finally came to a close in XXXX after spending hours and hours of getting them everything they needed with their assurance it would be approved. In the mean time I had various requests from other lenders to refinance. Cherry Creek dragged me along after pulling credit and doing their due diligence one day just notified me, by email, out of the blue the loan would not close. No explanation, apology, or any reason after 4 months. I lost the opportunity to go with someone else at the same rate as the rates had jumped and now made no sense to refinance loan. I was astonished and very hurt that a company would make me jump through hoops and be so rude and abrupt. They ruined my chance of having lower payments. Is there not a moral and ethical obligation? I feel like all my information was transmitted to them and I abided by EVERYTHING they requested. Lost opportunity by me and caused by them. What recourse does a consumer have for this pathetic company other than warning all other Colorado residents? Thank You for looking into this quickly!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is indicating a debt that is inaccurate and claimed against me. I have noticed inaccurate addresses that I never used or received USPS mail from and daily harassing calls from XXXX XXXX and XXXX XXXX for a charged off debt that is nearing 7 years of being written as a loss from the original creditor.There is also a account I never opened and was seeking investigation as in that time ; I didnt open ANY accounts. I also show a late payment on another account in which I was never late and need assistance to dispute and remove so I can look forward to buying a new home. Your assistance would be greatly appreciated, as the rampant phone calls is affecting my productivity and functionality during my working hours.
Product: Credit card or prepaid card

What happened? 
I had a credit card with XXXX XXXX XXXX with a balance of {$2500.00} including costs from XXXX XXXX XXXX. The credit card debt with XXXX XXXX XXXX was discharged in a Bankruptcy Chapter XXXX. XXXX XXXX XXXX got a judgement against me to garnish my wages. This credit card debt was discharged in a Chapter XXXX Bankruptcy. I've called several times to inform of the bankruptcy. I even left 2 messages informing of the discharged credit card debt. Needless to say XXXX XXXX XXXX has not responded appropriately to the improper charge on a discharged credit card debt. The fraudulent action to use the court system to collect debts is unlawful to say the least.
Product: Debt collection

On XX/XX/2019, I discovered that multiple credit card accounts were made without my authorization. I reported this issue to all three credit reporting agencies and to the creditors who had issued fraudulent accounts in my name. 
Most accounts have been resolved and removed from my credit report. 
Unfortunately, XXXX card company is continuing their attempt to collect the debt that I do not owe through collection company. 
The collection agency is a law firm named Brock and Scott PLLC. 
They are attempting to sue me for the debt that I do not owe. An official police report and FTC identity theft report were filed back last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and Experian several times about a chapter XXXX dismissed bankruptcy that is on my credit report. I have contacted the company XXXX XXXX in which they state that they verified ; however, XXXX XXXX does not have it in their file as it isnt mine. XXXX nor Experian will provide me verification letters.
Product: Debt collection

I have collections on my account which are not mine. Ive sent a Dispute on all my 3 credit scores 2 weeks ago and have not receive any results. Please have collection removed which are not mine.
Product: Credit card

I wanted to cancel my XXXX business card last year around XXXX XXXX, 2015. I had placed most of my overhead for my small business for two years on that card. I had accrued XXXX membership points for using the card. I was told on the phone by one of their employees that I could cancel the card and still use my membership points. After the card was cancelled I went in to use the points but there were none to be used. I called them back and they said that I had voluntarily given up my card and so forfeited my points. After a long conversation telling them I was given the wrong information, they told me they reinstated my card and that my points were back in place. When I tried to use my points, they were not there. I was told that I voluntarily cancelled my card so I forfeited my points. I only did that because of the information they gave me on the phone. They have consistently told me that they value my business, but if they would listen to the conversations they recorded they would hear that I was given misinformation. Why would I cancel my card with that many points only to reinstate it again within 24 hours or so just to lose that many points? I just want the points back to use and then cancel the card, which was my intention in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Debt collection

It is my understanding that it is illegal park ie claiming an old debt as new. Per the fair credit reporting act. 
This is what occurred. The original date of the debt was XX/XX/XXXX - There was an attempt to collect the debt on XX/XX/XXXX. The debt was then sold not sure of the date. Sold to Debt Recovery solutions LLC. At this time they sent a notice XX/XX/XXXX. 
They also claimed it as a new debt on my credit report. The notice had a discounted payment of {$760.00} in which I paid. My complaint is for the re aging of the debt, which altered my credit scores by a very large amount.
Product: Checking or savings account

On XX/XX/2019 I deposit a check at ATM In XXXX on XXXX XXXX in XXXX Ga. I paid the express fee. And then I went in the Branch and tried to get a money order and the XXXX XXXX gave me such a hard time about my funds and said that my funds was pending and wouldnt give me a cashier check. So I had to with draw from ATM and go to XXXX XXXX  for a cashier check.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 

XX/XX/XXXX XXXX All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy. 

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

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

I have challenged XXXX, Equifax and XXXX about a discharged bankruptcy on my credit report. They saying that they contacted the court to verify the account and they absolutely can not do this because the court does not update, or report the file. They haven't told me who they spoke with in the court, a phone number or when. They can not because I have an actual letter from the stating that they do not take calls in regards to bankruptcies. These credit bureaus have stated a lie. Please see the documentation proving this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ACOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. PLEASE REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT.