23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Okay so back in XXXX of XXXX we seen fraudulent transactions and the amount was my whole paycheck that was deposited into my bank account at Moneylion in amount of {$910.00}! We told them immediately that we werent making charges and we needed help!! Well they took forever to check the account and it had already rolled around to time for my next paycheck to be deposited and they got my payroll again!!! So when that happened the amount was doubled and they were acting like they didnt want to help at that point because they owed us two paychecks at that point!! I had finally gotten someone to I thought understand me but not quite I found out because they said if its not you then why you let them charge your card for paychecks why not stop when it first started and I was like I tried I called I emailed and put in for transactions illegally not me but you Moneylion kept telling me oh we have to wait until all the Charges are not pending anymore and cleared but they let this go in for a month which was two of my paychecks {$810.00} and second one {$910.00}!!! After all was said and done they waged war with me for about 4 months and come down to only sending what they said was the amount they were refunding even though I had proof of these charges being out of country and chat records with emails showing that I had been corresponding and pleading with them to freeze card and give us new account number! So then they sent a amount of unknown amount to a old bank account that had been closed and said okay we sent you your money back! But oh no here is the 3rd leg of it so I didnt even get notified correctly that they did send something so when I finally found out it was my other back account that was closed that emailed me and made sure I knew that on XX/XX/XXXX at XXXXXXXX XXXX that they sent back a deposit from Moneylion XXXX of course my account was not open and now XXXX hasnt responded after I told them I know that chime sent the payment back to them!!! And I also have {$240.00} in my loan saving and {$48.00} in crypto account with XXXX that they owe me because all my accounts had all our money into them! So total amount at the end of it all the amount of {$2000.00}!! And I believe that is fair being we got kicked out of our house that XXXX during XXXX in the winter months because they didnt protect us even after we were screaming to them to freeze the account!! Please help us we dont want any extra just my paychecks that I worked my tail off for because it had been XXXX and we were going to get our kid XXXX but instead we lost everything due to their negligence! Thank you for any help though we would appreciate any!!
Product: Credit card

Lowes credit card ( issued through Synchrony Bank ) started to charge a {$1.00} paper statement fee. I told them that their whole business model requires communication with the customer and has used paper statements since the existence of this industry. 

I said the proper course of action would be to give people that want " paperless '' statements a {$1.00} credit - not create a profit center off loyal customers. 

If they have XXXX credit customers at XXXX a month, times 12 months, that's over XXXX XXXX in increased net revenue per year while lowering service to the consumer.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts 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
Product: Debt collection

This is a medical debt at a time which I had Medicaid and it was known by the original medical office but it was not billed nor was I aware of it until I discovered it on my credit report
Product: Mortgage

My issues began back in XX/XX/2018 when I requested Selene Finance to  remove my MIP due to my LTV falling below the {$170000.00} value of my original loan amount of {$220000.00}, below the 77.6 % LTV per USHUD,  mortgage letter XXXX. I have purposely made large principal payments to increase my equity as I have never qualified under any of Obama 's Affordable Housing programs to reduce my interest rate from the high 6.375 % that I have been stuck with since the inception of this loan. The benefits were not provided to a working male XXXX who is not only a XXXX XXXX veteran, but I have also never missed a payment. My MIP was removed as my payment decreased, but I never received any letter from them stating the outcome or if I was due any refunds. In XX/XX/2018, I made another large principal payment and they applied it to escrow. I called and spoke with XXXX ext XXXX on XX/XX/18, who said she would submit the correction to her supervisor. I also advised her that I could no longer see my statement or amortization schedule online nor have I received it by mail. She was not aware why it was no longer available. She was to look into the issue for me. I called back on XX/XX/18 and spoke with XXXX who said it still hadn't been fixed and would submit it again to a supervisor. I asked for a statement and amortization to be sent as I want to validate my payments are being received an applied correctly. To date, I have not received any statement or amortization schedule validating that my payments have been applied correctly. Today, XX/XX/18, I called and spoke to a female customer service representative. I could not understand her name. She did not know what an amortization schedule was. She asked her supervisor about me not receiving any statements as well as the requested schedule. Her supervisor directed her to have me put my request in writing. I told the representative that I have requested my monthly statement and amortization schedule several times and should not have to put that request in writing for a statement that I should automatically receive. I told her I was going to submit a complaint to the CFPB and she didn't even know who of your agency as well. I feel that Selene is purposely punishing me for paying extra principal payments due to them losing out on interest. This is an egregious act on their part to injure me by hiding how they are applying my payments. I am reaching out to you the CFPB in hopes that you can assist me in getting to the bottom of this.

I am hoping you can get Selene to provide me with the following : Monthly statements mailed to me without me having to request them each month My amortization schedule available to me when requested A copy of my original loan documents.
Product: Debt collection

I have diligently reported to all bureaus that I have been a victim of identity theft and that accounts originating from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  are subject to investigation into the theft of my identity, as unknown accounts have been opened in my name without my knowledge or consent. Inquiries as well the address that appeared on my credit report previously as a result of this creditor HAVE been removed from all bureaus Correction to my credit report. I Demand this account be removed from my credit report as it is very detrimental to my livelihood. 

I tried applying for a home using a Loan with my credit, when I was devasted to find out that there are several inaccuracies on my credit within : addresses, accounts, and debt that I have never applied and sign for. 

According to as per Section 623 of the FCRA 15 U.S.C, 1681i ( a ) ( 5 ) ( A ).
Product: Credit reporting or other personal consumer reports

I just reviewed my credit reports again and I can still see the inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves a Banana Republic card with Synchrony Bank or  GE Capital. I m ade timely payments online and paid off the remaining balance. However, beginning on  XXXX     2015, I ha ve allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other Banana Republic and Gap cards in the past and successfully paid them off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. Any other name variations or any other addresses on my account should be removed. Experian will not remove these address from my credit profile. I have only bee associated with one other address which is XXXX XXXX XXXX XXXX MD XXXX. Leaving these other random addresses on my account is leaving my credit open to identify theft.
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was placed in a forbearance during the time that Fedloan Servicing reported late payments in XX/XX/2017. Reason being, my other loans were being consolidated into this loan. I have attempted to get them to remove the derogatory remarks from my credit report and they acknowledge that my account was in forbearance but are unwilling to remove the derogatory remarks showing 4 late payments in XX/XX/2017specifically, XXXX, XXXX, XXXX, andXX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to dispute accounts reporting on my consumer report that do not belong to me. These fraudulent accounts are XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX I have no knowledge of these accounts, I did not open these accounts, and I have never resided at the address listed on these account. It is very clear that the companies opening these accounts as well as the CRA 's are not taking the proper procedures to verify identification and is essentially assisting the thief in identity theft. I have resided in the same home with the same phone number for the last 39 years and any business I conducted should be attached to that information only. Anything else is fraud I have filed my FTC report and if these accounts are not removed I will file suit. I know for a FACT none of these companies or CRA have verified the consumers identity and won't be able to stand a chance in court. This is my final demand for permanent block and removable of these fraudulent accounts from all major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. My name, social security and address has been used to open up accounts that I have never authorized. In the past I have had issues applying for things due to having a very common name. I'm not sure if that is one of the biggest issues I am having because these accounts under my name are fraudulent accounts. The reason I was prompt to pull my credit was because my tax professional told me that my social security number had already been filed. I called IRS and they prompt me on what needed to be done next. Please remove these unknown suspicious accounts from my report. They do not belong to me. 
XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX    XXXX {$870.00} XXXX XXXX XXXX {$830.00} XXXX XXXX   XXXX {$140.00} XXXX XXXX {$2200.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX {$760.00} XXXX XXXX {$24000.00} XXXX  XXXX {$870.00} XXXX XXXX {$830.00}
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information LVNV Funding LLC Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX. 

Dear LVNV, I am writing to formally dispute the inaccurate information that has appeared on my credit report regarding a debt that was allegedly transferred to LVNV Funding LLC. The details of the account are as follows : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
Date Opened : XX/XX/year> Account Status : Collection account with {$650.00} past due as of XX/XX/year> Balance : {$650.00} Original Balance : {$650.00} Dispute Points : Unauthorized Transfer of Debt : I have never agreed to or signed any contract allowing the transfer of my debt from XXXX XXXXXXXX XXXX XXXX. to LVNV Funding LLC. Furthermore, I was not notified of this transfer, which is a violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Privacy Violations : This unauthorized transfer and reporting of my personal financial information to LVNV Funding LLC is a violation of the Gramm-Leach-Bliley Act ( GLBA ), which protects my financial privacy. The handling and sharing of my information without my consent is illegal. 

Fair Credit Reporting Violations : The reporting of this collection account by LVNV Funding LLC is inaccurate and unlawful. LVNV Funding LLC is acting as a debt buyer and is required by the Fair Credit Reporting Act ( FCRA ) to ensure that the information they report is accurate and verifiable. Since I have not received any verifiable proof of the debt transfer or the legality of their collection efforts, this account must be removed.

Action Requested : I demand the immediate removal of this collection account from my credit report. 
I request that you provide proof of the debts accuracy and documentation verifying that LVNV Funding LLC has the legal right to collect this debt. 
If this issue is not resolved, I will escalate the matter with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and other appropriate government agencies for further legal action. 
Please complete this investigation promptly and notify me of the results in writing. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am reaching out to contest the presence of a credit account linked to XXXX  XXXX XXXX ACCOUNT # : XXXX within my credit report. My involvement with this account was solely as an authorized user, and I did not grant permission for its inclusion in my credit history. This non-consensual reporting contradicts the provisions outlined in 15 USC 1681 Section 602 ( a ) and 5 USC 1681 Section 602 ( a ) ( 2 ).

I am formally requesting the immediate removal of this unauthorized account from my credit report. Its presence is having a detrimental impact on my creditworthiness, hindering my ability to explore financial opportunities such as acquiring a new vehicle, securing a loan, or purchasing a home. 

I greatly appreciate your prompt attention to this matter and kindly ask for regular updates regarding the progress of your investigation. 

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

ON XX/XX/2020, MY EQUIFAX AND XXXX  SCORE DROPPED 191 POINTS DUE TO XXXX   REPORTING THAT MY ACCOUNT WAS 60 AND 30 DAYS PAST DUE, THEY REPORTED TAHT I MISSED TWO PAYMENTS, THAT IS NOT TRUE, I RECEIVED MERCHANDISE THAT WS BROKEN BY THE DELIVERY DRIVER, I CONTACTED XXXX AND WAS TOLD NOT TO MAKE A PAYMENT UNTIL THE FURNITURE WAS FIXED, I SPOKE WITH XXXX ON XXXX, SHE INFORMED THAT THE CREDIT DEPT WSA CLOSED AND THAT SHE WOULD SEND THEM AN EMAIL SO THAT THEY CAN CONTACT ME, I SPOKE WITH XXXX XXXX ON XXXX SHE ASKED THAT I FILE A DISPUTE WITH THE CREDIT BUREAUS SO THAT IY COULD BE ESCALTED XXXX THEIR CREDIT DEPT, SHE TOLD ME THE ONLYWAY FOR THEM TO REMOVE THE MISSED PAYMENTS WAS TO FILE A DISPUTE, I RECEIVED ANOTHER PHONE CALL ON XXXX FROM XXXX XXXX SHE INFORMED ME THAT SINCE ITS BEEN THREE MONTHS AND THE FURNITURE COMPANY HAS NOT FIXED THE BROKEN MERCHANDISE THAT THEY WILL EXTEND THE 90 DAY SAME AS CASH TO AN EXTRA 30 DAYS SO INSTEAD OF BEING XX/XX/XXXX THAT THEY WILL GIVE US TO XX/XX/XXXX TH XXXX TO HAVE THE 90 DAY SAME AS CASH, SHE ALSO INFORMED ME TO FILE A DISPUTE WITH THE CREDIT BUREAUS AND ONCE THE DISPUTE IS RECEIVED TAHT XXXX WOULD APPROVE THE DISPUTE AND THE LATE PAYMENTS WOULD BE REMOIVED.
Product: Credit card or prepaid card

my us bank reliacard provided by pua pa unemployment worked from XXXX til XX/XX/2020 they then froze my card without any notice when i finally got thru to them after days and hours on hold they said i needed to fax my ID and updated address which i did its been 2 weeks my account still frozen wont transfer my funds and pua pa says i have no outstanding claims
Product: Credit reporting

I requested transition to review my XXXX XXXX loan for missing payments ; however my credit score dropped by XXXX points because instead of reviewing the accuracy of the payment history they flat out removed my XXXX XXXX auto loan from their records in error. I called XXXX XXXX to attempt to see if they are reporting to all XXXX bureaus and they stated they are and that this is an issue with transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit with you seems to have been hacked. While reviewing my data, I found numerous files that did not belong to me. Due to my meticulous study, I discovered that you are obligated by law to terminate and block any account that is determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the necessary FTC Report for your records as well as the bank 's ( learned through more research both parties require ). Remove these files immediately. If you believe there is a chance that these accounts belong to me, I will need all supporting documents bearing my signature ( according to another research item I discovered, you must confirm each account is 100 % real, exact, correct, complete, and VERIFIABLE ). Please be aware that I will take legal action if you don't offer any records while saying the item is confirmed. Both my attorney and I do not enjoy gaming. Therefore, abide with the law so that this situation may be resolved quickly.

The challenged items were opened without my knowledge or agreement, in accordance with Fair Credit Reporting Act Section 605B, so kindly erase them.

Enclosed are the following : A copy of my Identity Theft Report and Proof of my Identity A copy of section 605B of Fair Credit Reporting Act, which requires you to block the Fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.
Product: Debt collection

Halsted Financial services has broken the law due to the fact that I have no contract with said entity. I have never done business with your corporation. You are a nonaffiliated third party. Halsted is in violation due to obtaining my non-public personal information.

Halsted is also in violation due contacting me repeatedly through email without my consent.

Halsted also did not provide debt validation or verification due to the fact that you are not the original creditor.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry on my credit report that is being reported by ( XXXX  ) XXXX XXXX XXXX XXXX XXXX This late payment is inaccurate, and I request their immediate removal under my rights granted by the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

The account was suddenly closed suddenly by the Creditor and has been reported 90 days late as of XX/XX/year>. 

Basis for Dispute : Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If the furnisher can not verify the accuracy of the reporting, these late payments must be removed.

Violation of 15 U.S.C. 6801 The Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions ensure the security, confidentiality, and accuracy of consumer financial data. I have reason to believe that my data may not have been handled with the necessary diligence.

Violation of 15 U.S.C. 1692c ( c ) The Fair Debt Collection Practices Act ( FDCPA ) establishes that consumers have the right to dispute and request validation of any alleged debt. I demand validation of these late payments, including a copy of original payment history and proof that I was properly notified per the terms of my agreement.

Violation of 15 U.S.C. 6802 Under the GLBA, financial institutions must provide clear notice to consumers regarding how their data is being used and must ensure proper security. If there were any miscommunications or errors in reporting, these late payments must be deleted as they were not properly disclosed or verified.

Request for Immediate Action : Please provide full validation and evidence of these late payments within 30 days. This includes a signed contract proving I agreed to the terms, payment ledger documentation, and proof of notice before reporting derogatory marks. If the information can not be fully verified, I request that all late payment entries be permanently removed from my credit report across all bureaus ( Equifax, XXXX, and XXXX ). I request confirmation of this correction in writing. Failure to comply with this request may result in a formal complaint to the Federal Trade Commission ( FTC ) and possible legal action. I appreciate your prompt attention to this matter. 

Sincerely, -XXXX