23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is an account showing on my XXXX  from LVNV Funding that I don't believe is mine. I would like this company to send me a copy of the agreement or contract I supposedly signed. I believe this was something an old roommate may have signed for.
Product: Payday loan, title loan, or personal loan

I been making my regular payments on time and also making additional payments & notice my balance was not going down, most of my payments was being reveresed, but know one can explain to me what that means.my additional payments was going to interest only. I could never see how my payments are being apply to my loan. I try calling the company to deal with my payments, but know one could explain why my payments are not being apply to the balance.
Product: Credit reporting

sent letter regarding a bankruptcy that is on my credit report, after investigation they stated that it was verified as true. i contracted the bankruptcy court and the said that they do n't report to credit agencies and will not verify
Product: Credit reporting or other personal consumer reports

They put a restriction on my free account to prevent me from submitting online disputes after I had filled my very first Dispute. 

" Technical issue '' is the reason they used to denied the submission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is past the 7 years mark and I want it remove. The debt wasnt sold, its been 7 year $ months to today XXXXXXXX XXXX XXXX XXXX  XXXX {$7600.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase at Arhaus. It was to be no interest until XX/XX/XXXX if you spent XXXX or over ; which I did. The wrong sofa was delivered and I had to return it and purchase a new one that cost an additional XXXX. All was put on the Arhaus credit card issued thru Comenity Bank.. The additional charge of XXXX was additional for the new sofa and was to be purchased all as a new item as the other sofa was returned and credited to me. Instead Arhaus did not do the intitial purchase as a return and just added the additional XXXX as a new charge would would then change the interest term to XX/XX/XXXX. I have tried to work this out with Arhaus comenity bank but they refuse to give me credit for the interest charged. The credit card company refuses to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Resubmitting the below complaint as the company response was insufficient and false to complaint : XXXX. 

I am a military member stationed XXXX  ( XXXX ). Prior to moving, I was the victim of identity theft. I activated an XXXX XXXX Credit freeze on all three reporting agencies. Now that I am living XXXX, I am trying to open a new line of credit and need either a temporary unfreeze or pin to allow the company access to my report by Experian. I have now been trying for two months to get access to my Experian account. I can not log in despite answering the authentication questions correctly. Their phone system does not allow contact with another human and directs you back to their website which does not work. After many hours of calling internationally, I was finally able to reach a human and was told XXXX  addresses are blocked from their system and there is no way for me to access my information while living XXXX. I can not find a way to email or access anyone at Experian that can help. I am effectively blocked from accessing my information while XXXX  XXXX.
Product: Debt collection

I don't know who owns my debt. It is either Aqua Finance or XXXX XXXX XXXX. 

Aqua Finance : XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX Mailing Address Aqua Finance , IncXXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company sent a rep one day and scheduled an installer to come unannounced the next day. It wasn't until after the water refining system was installed, I learned I was denied proper credit. I was locked into paying for a debt I couldn't afford and should have never been issued credit for. The water system was extremely overpriced compared to other systems on the market. In addition to being denied credit, this company filed a deed notice against my property. I have not been able to refinance my home without this credit/debt showing against my property. They have used predatory lending practices to effectively lock me into this debt. I tried to contact them to settle the debt and they refuse to offer a fair settlement. The debt has grown exponentially and left me with few options to improve my personal credit situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to request validation of debt via FCRA regulations, with no response from the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Checking or savings account

I submitted a dispute with XXXX XXXX regarding a deposit I made last year. I made an ATM deposit on XX/XX/21. {$900.00} was not accounted for and I called immediately. I had not received a response to my request after some time so I called back. 
The rep stated the claim had been denied because the location did not record a positive variance from the ATM that day. She also stated I could not appeal and had no options. 


The ATM here in XXXX is always down or something is always going on with it. Navy Federal still has not given my funds back and its been a year. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX ( XXXX ) account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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
Product: Money transfer, virtual currency, or money service

I have been getting email receipts from credit card charges made through Square ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) to my old email account ; i requested to have it changed to my new email account ; i was assured it was fixed. this last weekend, i had new charges process via square & their email receipts when to the wrong/old email account yet again. i have confirmed my account was updated with my new email address. i contacted them again, but they are unwilling or unable to resolve this incredibly simple issue. i have wasted much time here, but will not waste more. please help me get them to resolve this simple matter, if they can not, can they really be responsible enough to process and know of sensitive, personal & financial information? i do not think so, or at the very least, it sure doesn't appear that way. thanks for your help! XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inaccurate account ( " XXXX XXXX XXXX XXXX '' ) listed on my credit report and the information being reported does not belong to me. The Fair Credit Reporting Act states that only 100 % accurate information should be reported to my credit file. 

On XX/XX/XXXX, I purchased a credit monitoring service with XXXX and received detailed information on this account. According to the XXXX XXXX credit report, " XXXX XXXX XXXX XXXX '' has been inaccurately reporting a vehicle lease on my credit report since XXXX. I have never purchased or leased a vehicle through XXXX before. 

In XX/XX/XXXX, I settled this account because it was hurting my credit score very badly. At the time, I did not notice this inaccuracy until I just recently purchased the XXXX credit monitoring service on XX/XX/XXXX. I filed a dispute with Experian last year, however, this " vehicle lease '' information was and still is not obtainable through Experian.com directly, it only shows on XXXX. 

I contacted XXXX and obtained the Lease Agreement for this account. On page 3 of the Lease Agreement, it shows that this account is not a vehicle lease. Under the " definitions '' section on page 3, the description for this lease purchase is " XXXX XXXX XXXXXXXX XXXX XXXX '' Platform '' and also states on that same page " XXXXXXXX XXXX XXXX  '' was the name of the company who sold the property. As result of this documented inaccuracy on my credit report that allegedly violates my consumer rights, please remove this account from my credit file indefinitely. 

According to the Fair Credit Reporting Act, the law that governs the treatment of inaccurate or unverifiable information explicitly states : " In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : XXXX promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and XXXX promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Debt collection

I was paying XXXX XXXX {$100.00} a month to fix my credit card. It was XXXX  XXXX was for a year and another time was for almost XXXX  years. So I was being scammed and I want all my money back.
Product: Student loan

I received a call from a place claiming to be ACS, I 'm currently up to date with my student loan payments so there is no reason for this harassment. They called from ( XXXX ) XXXX, they called yesterday twice. The woman on the phone fought me to introduce herself before finally saying XXXX from ACS. A company I have never heard of.
Product: Mortgage

To Whom It May Concern : Re : NationStar Mortgage Co. Loan # XXXX I am requesting that someone investigate this matter. I feel that NationStar Mortgage Company have discriminated against me concerning a Loan modification and a Short Sale. I owned a rental property at XXXX XXXX XXXX, XXXX, NC XXXX. It took them three months to make a decision about the loan modification because they would n't accept my information because I did n't have a mortgage statement on my primary resident. However, NationStar did n't want to accept the documentation I provided to them because they wanted a mortgage statement on my current resident. I sent NationStar all necessary documents showing them that I owned my primary resident. But, the underwriting in that department still requested that I send them a mortgage statement. At this point, XXXX XXXX XXXX my loan Specialist had to contact her boss regarding this matter before the underwriter would receive my documentation concerning the Loan Modification. The things this mortgage company put me through was truly uncalled for. Nevertheless, when it comes to the Short Sale they waited almost another 70 days before making any decisions about the Short Sale. They only gave the Real Estate Agent XXXX XXXX XXXX not even 30 days to sale the property. I was n't given due process in selling my property or receiving a Loan Modification on a home I owned for nearly 13 years. I stated in the beginning of this letter this company has discriminated against me as a US citizen. I know they do n't do all of their customers this way. I explained to NationStar that I had developed a number of health issues which has put me in position where I 'm not currently able to work. I tried to give them a partial payment and they would n't accept no payment unless it was the full balance. I tried everything I possibly could to get this company to work with me. But, they constantly discriminated against me in every way that was possible. Please investigate this matter for me. It not right for them to discriminate against me I 'm a US citizen and I have rights. If nothing else I do n't want this to happen to anyone else. 

Thanking you in Advance XXXX XXXX XXXX
Product: Debt collection

XX/XX/2023 Collections account amount {$740.00}. I called the collection company and ask Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, Will you please remove from my credit?
Product: Credit reporting or other personal consumer reports

Complaint Against Equifax for Failure to Investigate Disputed Accounts in Accordance with FCRA and CFPA I am filing this complaint against Equifax due to its failure to conduct reasonable investigations into disputes I have submitted concerning inaccuracies on my credit report. Despite providing detailed documentation and information to support my claims, Equifax has repeatedly responded within 24 hours, asserting the accuracy of the accounts in question without demonstrating evidence of a thorough investigation.

This conduct constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which explicitly requires credit reporting agencies to perform a reasonable investigation of disputed information. Equifaxs failure to meet this obligation has resulted in the continued reporting of inaccurate information, causing undue harm to my credit profile and financial well-being.

Furthermore, Equifaxs actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), by engaging in practices that are unfair and deceptive. The lack of meaningful investigation undermines the accuracy and integrity of its credit reporting practices and fails to uphold the rights of consumers, as outlined by federal law.

The following accounts are being disputed for reporting inaccurate late payments : XXXX Charge Card Account # : XXXX Opened : XX/XX/XXXX Balance : {$71.00} XXXX  Charge Card Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$910.00} XXXXXXXX XXXX XXXXXXXX Credit Card Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$2000.00} I respectfully request that the CFPB investigate Equifaxs handling of disputes, ensure compliance with both the FCRA and CFPA, and address these deficiencies in their processes. Furthermore, I request the removal of inaccurate late payments from the accounts listed above, as these errors continue to negatively impact my financial standing. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  refused to update my accounts current balance and status after receiving gap and insurance payment that should have lowered my balance and updated to current, they have not updated since XXXX. They are reporting inaccurate my balance is XXXX they are reporting XXXXXXXX XXXX they received a payment of XXXX from my insurance and did not update to current for the month of XXXX. They have also been adding interest and taking from my insurance payments in which my interest was updated to XXXX back in XXXX.
Product: Credit reporting or other personal consumer reports

RE : Disputed Account - Notice to Furnisher XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC/Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC's/Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX Enclosures : XX/XX/ Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.
Product: Debt collection

I made a phone call to Delta Management Associates to inquire about the status of a loan rehabilitation application. The call was placed on XXXX XXXX at XXXX. While I was trying to obtain information, the Delta representative I was speaking to, a male with a southern accent, muffled the phone and started making jokes and laughing with a colleague. Based on the flow of the conversation, it can be safely assumed that he was making fun of the issues brought up during my call which constitutes abusive behavior and language. Abusive language does not need to limit itself to obscene language - it can also apply to tactics made to mock, diminish or otherwise ridicule a consumer. I felt ridiculed and his behavior was highly inappropriate. I requested to speak to another customer service representative and was transferred over to XXXX XXXX, who handled herself in a more professional fashion. This representative 's behavior was unacceptable and needs to be addressed promptly.
Product: Mortgage

Hello I am contacting you for home loss prevention. I am current in all payments of mortgage and property tax and have never defaulted even in the past ever since the house was purchased in XXXX. My XXXX son is on the XXXX of XXXX XXXX his benefits and the good public schooling of my kids are both connected to our home address. 

This is to kindly let you know that I have a conventional XXXX XXXX  loan with 30 year term and my loan assumption application has been denied by Mr. Cooper the mortgage lender and all because they need an income of {$10000.00} per month and mine is {$6200.00} including everything. I am already their client and bought this house in XXXX. All they are required to do is to remove my XXXX XXXX XXXX name off the loan entirely. 

My home situation is fragile as I am a XXXX  mom with XXXX XXXX XXXX XXXX XXXX boys in my full physical custody and this house is the only asset I have got in my divorce, I have always been able to keep up with all debt obligations after divorce And is solely taking care for 2 years of my mortgage and property taxes. I would not be able to buy another home after selling this and my rent alone would be {$3000.00} per month in XXXXXXXX XXXX which is equal to the mortgage I pay month to month. Please talk to Mr. Cooper my mortgage lender let them see my side, the title of my house is solely in my name and the mortgage has both my and my ex name on it and his name is to be completely removed. The equity of this house is almost equivalent to what I owe {$610000.00} in the house so why can't the equity of the house be my co-signer and my ex name be totally removed from the liability? I am also open to the idea of loan modification with the years of mortgage payment increasing to lets say 40 years from 30 years to bring the monthly premium down from {$2900.00} to much lesser so the debt to income ratio looks healthier and I get approved for the loan assumption but only if it continues to be the same rate of interest as 3.375 %. But denying my loan assumption application just because there is debt income disparity doesnt explain it. I am a XXXX  woman, am a U.S. XXXX, just trying to raise my kids in a safer environment and this house is crucial for that growth. Kindly help. Under our current XXXX XXXX XXXX XXXX case court is making orders forcing me to sell the house if my exs name doesnt come off by XX/XX/XXXX. So the matter is really time sensitive and Mr. Cooper is aware of it. 

Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Today XXXX, XXXX was the most recent date of contact from Hillcrest Davidson Associates in XXXX TX. I spoke with XXXX XXXX XXXX and a XXXX who both stated that they were managers. XXXX XXXX XXXX started using obscene language until I asked to speak with a manager. XXXX was very rude to me but did not use obscene language. I asked for them to stop before I ended the call. They refused to let me speak with anyone higher up nor anyone in customer service.