23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX My Bank Account portal was compromised and 3 of my 5 accounts were frozen including the one set up with Autopay for Provident Funding. 
XX/XX/XXXX New checking account set up to begin Banking again. 
XX/XX/XXXX Went online set up new autopayment acct for Provident Funding. In addition, I paid 2 days prior to my XXXX mortgage in advance because I could not stop the auto withdrawal on the frozen account that was set to happen on XX/XX/XXXX. In other words knowing the payment would decline, not being able to stop it ( because I was within the 48 hour window ( which is Provident Fundings policy ) I went ahead and paid it in advance. My payment history is excellent. XXXX payment was received in full and not effected. In other words I NEVER missed a payment to Provident instead I paid 2 days in advance. 
XX/XX/XXXX I called Provident to remove the {$25.00} fee for insufficient funds on the frozen account bec I paid 2 days in advance of it due ; yes the withdraw from the frozen acct was declined on XXXX BUT I had PAID it on XX/XX/XXXX. I was DENIED a {$25.00} refund.
Product: Money transfer, virtual currency, or money service

Cash app support says a payment I made wasn't deducted from my balance though I have a receipt from the merchant showing paid. Support refuses to help me, sent me to email.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS WAS OPEN IN MY NAME I NEVER KNEW HOW THIS COULD HAPPEN. IVE BEEN A VICTIM OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a legal and notarized document and request for proof of claim, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : US DEPT OF EDUCATION # XXXX, US DEPT . OF EDUCATION/XXXX # XXXX Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my life together for me and my family. Please review all of the documents removed the accounts that are listed
Product: Credit reporting, credit repair services, or other personal consumer reports

Please assist me in making the credit reporting agencies up hold to the federal law. My rights as a consumer are to at least be able to speak on behalf of my own credit file. The credit reporting agencies sent me a bogus letter in the mail stating they would disregard my original complaint because they believe it is some one else. Just because I know my rights and I know that I am being violated does not mean I need another person 's help. I have late payments appear on accounts. I have accounts that are NOT even mine at all listed and a bunch of other foolishness. I not once gave Experian, XXXX, or XXXX any type of permission to report or speak on my behalf. I have been stressed and diagnosed with XXXX because of this. They are fraud and they have taken over my identity and in violation of the FCRA and 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Bank account or service

Att cfpb Inference to discover card XXXX I 'm writting to continue my dispute with Discover Card. about unlawful reporting that they are reporting about me. I 'm well aware that Of rights as the consumer. I will stand my ground tooth and Nail if I have to hire and lawyer to get this remove from My credit File the Law clearly states that The original creditor in this case would be ( discover card ) MUST I REPEAT MUST SEND EACH CREDIT REPORTING AGENCY COPY OF ANY CREDIT APPLICATIONS WITH THE CONSUMERS SIGN SIGNATURE ATTACJED TO IT. I 'm fully aware that discover back failed to do so. because I reach out to XXXX / XXXX / XXXX None of these reporting agencies were Able to provide me this Information ( CFPB PLEASE SEE ATTACHED FILE FROM XXXX With there Finding. The FCRA 609 ( A ) ( 1 ) ( A ) That the consumer has the right to ask the creditor / reporting agency for this enclosed information! Also FCRA SECTION 611 ( A ) ( 1 ) ( A ) / 611 ( 5 ) ( A ) Also states That YOU ARE REQUIRED TO PROMPTLY DELETE THIS INFORMATION. You have effect My ability to Obtain credit in my name! This is VERY shameful on your behave for failing to send the necessary paper workwork to the reporting agencies That the FCRA REquire your company to to follow. You should really be ashamed of yourself.. 
XXXX I give you XXXX Business to have this fraudulent information that you are reporting on me off of all XXXX file because I will Take Legal action! 

CC CCFB I HAVE ATTACHED A FILE TO THIS COMPLAINT FROM XXXX DATE XXXX XXXX ALSO WITH XXXX AND XXXX PLEASE SEE PREVIOUS CFBP case number XXXX also case number XXXX CFPB NONE OF THESE AGENCYS HAVE THE PROPER paper WORK TO BE REPORTING fraudulent and Negative information about me. 
Thank you XXXX XXXX
Product: Mortgage

I called the mortgage company and asked them to remove the PMI. They said they were going to send me authorization for an appraiser to come out and appraise my house. They ended up sending me someone elses mortgage in a different state. And now they dont want to help
Product: Credit reporting or other personal consumer reports

Report shows 1 out of 4 accounts being paid on time. I have been paying all of my accounts. 
I have no debt, only one XXXXXXXX XXXX XXXX  being paid on time with XXXX balance. 
XXXX XXXX XXXXXXXX XXXX loan being paid on time, never missed a payment. 
Mortgage loan is current, been paying on time last 5 years. 
Bankruptcy Chapter XXXX was completed XX/XX/year>. All done paying back Trustee  with no lapse or missed payments. 

I have not debt, all is paid for.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I hope this message finds you well. I am writing to formally dispute a fraudulent account that has been placed under my name. It appears that my identity was stolen, and an unauthorized purchase was made under the name *JEFFERSON CAPITAL SYSTEM XXXX. 

I kindly request the immediate removal of this fraudulent account from collections and an investigation into the matter. Please confirm the receipt of this dispute and the actions taken to resolve it.
Product: Vehicle loan or lease

I bought this car with a warranty and it falls under the lemon law and no one helped me try and fix the car. I even took it to XXXX when the alt went out and they still didn't do anything. I told them where the car was and they said " it's not worth it '' ... ... ... .... Soo??? I getting charged for a car that they don't think it's worth getting back. Total XXXX
Product: Student loan

I have initiated contact and accepted calls from Navient to discuss resolving my school loans. Previously, all of the loans were supposed to be on deferment because of the Covid situation and me losing my job. The loans went from being covered entirely to only one specific loan. The few times I called I was given the run around and the customer service rep was only focused on how I would be paying my bill for the month. No assistance whatsoever. Again, this is me initiating the call. Between the months of XXXX to now, XXXX, I receive about 40 calls PER DAY from Navient. I am not even counting the emails that are sent. The company calls from different phone numbers, from all around the nation. I know because I have picked and spoken to a few and I have googled the numbers. Numerous complaints from people. It is beyond harassment and its frustrating to not even be able to receive calls because they are taking up the line. HELP!! Something needs to be done about this with this company. If other companies can not do this, why does Navient feel like they can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from Equifax showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid my {$950.00} balance in full and on time as usual to XXXX XXXX Comenity Bank and it STILL has not been credited to my account. I never had a problem until then and have recently provided them evidence of successful payments as far back as XX/XX/XXXX utilizing XXXX XXXX online XXXX XXXX. I followed their dispute procedures providing adequate proof of payment and 90 days to the day of allowable length of time to resolve the dispute they claim they still can not locate my payment. 
I had a lengthy 3-way recorded phone conversation on XX/XX/XXXX with a Comenity customer service supervisor with a XXXX XXXX representative also in attendance. 
The Comenity supervisor indicated that the payment was likely lost when Comenity transferred over to their new system around XX/XX/XXXX which likely failed to recognize my old account number in use until then, but it did not return the funds to XXXX XXXX, they dissapeared. She also indicated that since that is the case, I should be credited for the payment, reimbursed for the late fee and any interest accrued since I continue to make minimum payments on the disputed amount to preserve my excellent credit. Despite acknowledging responsibility through her explanation, she inexplicably demanded that we call back and file yet another dispute, wait another 90 days and insisted my only proof of payment remained inadequate. I have provided all the evidence of payment available to me through their website and have mailed the same to their address in XXXX Ohio. Their is no check image since the payment was electronic indicating Paid. Additionally, several Comenity customer service representatives cited their system transfer or changeover issue as the reason for my lost payment back in the Fall when I initially tried to resolve this earlier before filing the failed dispute and encouraged me to give them several weeks to resolve their issues. I'm still waiting.
Product: Debt collection

The company ( Portfolio Recovery Associates , LLC ) is constantly contacting me about my debt I have with them. I 've already spoken with them about the debt and told them I would handle it as soon as I get time. And this was several months ago! I 've also had the same iusses with this particular company in the past. Even after I spoken with them, they keep calling me, sometimes ( XXXX to XXXX ) times a day a week! Also not only have they been calling me from their business here in my own ( state ), but also been having their other companies they have in ( other states ) do so as well! I 've even had to change my phone number because of them. Their promoting unfair pratices, I do n't know if it 's because of the ( money ) or something else. But it 's become a serious issue not only for me but also for my mom, who they are now doing the same thing to. I 've ask them to stop and they wo n't. I 've told them once that I would do this, but i did n't thinking they would change and represent their self as better. The debt I have with them ai n't even over ( {$1000.00} ) I think. And I do n't how much my mom 's is, but I know it ai n't that much for them to be contacting us the way they do! And this is why im filing this complaint with you today, Thank You.
Product: Debt collection

On XX/XX/year>, I sent four Validation letters out to this company to have them to validate the accounts they have in there office with my name on file. I did not recieve any information from them as yet. I also reached out to the original companies asking for the 1099C, I have not received those either. Since I didn't receive a 1099C this dept is considered income and income can not be on your credit report and needs to be removed. Also this company is not listed or registered to collect this or any dept in the state of Georgia as per NMLS ( XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) list.
Product: Mortgage

My Mortgage company has pulled a double payment from my account. I called the and they told me I need to go through a process to get the payment back. This makes me late on the rest of my obligations. I made a mistake earlier in the month on my payment and got this resolved through my credit union. I looked at my account on the XXXX of the month and it said my payment was returned because they could not find my account. Also Early this past year I was going to refinance my loan with this company and the loan officer ( XXXX ) told me there would be NO FEES to complete this process. At he end after getting all the documents for Carrrington and was time to complete the refinance the truth came out on all the fees. This lender is very deceitful and I want both problems looked into Please. I have a more problems then anyone needs to go through. Thank you XXXX XXXX. PS I 'm not positive the is a FHA Loan
Product: Debt collection

I have contacted IQ DATA INT. Several times about an open collections account shown on my credit report. I have written and emailed signed documents with the amount the original creditor submitted and was attempting to charge me. They took a {$2600.00} balance and posted {$5900.00} onto my credit report as a collection amount. They have failed to respond to any written documents Ive submitted and calls.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$1400.00}
Product: Money transfer, virtual currency, or money service

A purchase through XXXX with funds moved by PayPal. Customer purchased camera for XXXX and paid through PayPal. Customer filed complaint after receiving, saying didn't get item. Then stated misleading information to XXXX on transaction. Claim denied. Then opened case with PayPal saying he received rock, was asked to file police report and would not, I told PayPal and XXXX I would accept return if boxed properly and insured. Customer claimed he could or would not. Customer filed claim with Post Office on insured items. I sent affidavit to both companies showing proof of shipment and packing. Then customer filed with bank/credit card company? and i was notified PayPal would represent me and should not be a problem as he lost two previous cases. PayPal did not send any rebuttal information to bank on dispute from me only showed where customer signed for box. Charges reversed at the end of this 2 to 3 month back and forth correspondence. Customer never returned item, And truth and lending law violation as never worked it out with me and did not return items. PayPal refuses to disclose vital information to pursue legal remedies. Monies withdrawn from my account and item never returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REOPEN A COMPLAINTS THAT I HAVE ALREADY FILED WITH YOU AND I WASN'T ABLE TO RESPOND TO YOUR REQUEST FOR MORE INFORMATION BECAUSE I WAS IN THE HOSPITAL BECAUSE I HAD A XXXX XXXX XXXX DUE TO THE IDENTITY THEFT THAT THE COMPANY 'S In questioning what's in my complaint that I submitted back in XX/XX/2022 my identity was sold in all my money was the one all the banks that I mentioned in my complaint has not resolved this issue and the company that I paid to protect my identity and my bank accounts liked to me and told me that my bank account apps in my phone apps and everything that has to do with my business was safe and which it want to be open this complaint and get Justice and get all the money that was stolen for me I ended up having a XXXX XXXX and been put in a XXXX I have to have 3 XXXX  and I still haven't received any help or anything about my identity information stolen and it is at the point of this SERIOUS situation I have to change my Social Security number and I have been homeless since this SERIOUS incident happened to me and I have found out that Capital One Credit Card Department let hackers submit over 28 to 30 credit card applications and Capital One gave theses hackers 2 credit cards in my name and Social Security number and they have USED them and maxed them out and this situation has messed up my credit score and my whole entire credit report and I have repeatedly reached out to everyone in questioning and let them know that my identity information was stolen and being sold on the dark web sites and they ignored it and all three credit bureaus didn't notify me of all the fraudulent activities that were posted on my credit report because they were asking me to pay them XXXX dollars per month and I did until they had DATA BREACHES them selves and they didn't notify me about all the fraudulent activities or the banking companies that I used for my banking accounts and for my BUSINESS THAT I was trying to START up by saving my money and saving money for my daughter TRUST FUND and grandchildren TRUST funds accounts and emergency IRA accounts for EMERGENCY situations were all stolen and I REALLY need YOUR help PLEASE THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my Credit Report in XX/XX/XXXX Upon reviewing the information I requested EACH Lender/Account BELOW to be verified as well the Validation of Debt Or Delete this Account from my Credit Profile. 

I have sent letters to ALL ( 3 ) Bureau 's XXXX & XX/XX/XXXX in regards to removing or verifying the Account or Debt. 

As of TODAY XX/XX/XXXX ( 6 ) Accounts Remain on my Credit Profile out of ( 15 ). 



Approaching my 4th & hopefully FINAL letter that I will be sending out. 

My hopes are that the accounts are removed ALL 6-15 Accounts that are remaining on my Credit Profile. 

If the accounts can't be verified it should be removed immediately. 

I did also send out Goodwill Forgiveness Letters to inform them that I am on Dissability My Doctor wrote me out of work in XX/XX/XXXX due to the Coronavirus Pandemic cases are rising not safe for me to be out in public risking my health I have an Auto immune Deficiency XXXX XXXX XXXX I can provide that documentation from the doctor as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My requests for proper verification and the removal of the fraudulent information on my credit reports have been disregarded despite the numerous written letters I have sent to the three credit bureaus. I last wrote to the credit bureaus Experian, XXXX, and XXXX on XX/XX/XXXX, but I never heard back from them. It is evident from a copy of my most recent credit report that the credit bureaus disregarded my requests. The Credit Bureaus violated FCRA section 605b, which requires them to erase any accounts and information that were created as a result of identity theft. I approached the FTC and reported the theft of my identity. I also included copies of the FTC 's Identity theft report. The below described fraudulent items are still showing up on my credit record. I'm hoping you can assist me out and get these things eliminated as soon as you can. I am frustrated to see the credit bureaus do nothing to remove the information I am disputing from my credit file. Although I am inclined to pursue legal action, I will give the credit bureaus one more chance to make things right and correct my credit report. I need the following items deleted completely from my Credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I attended XXXX XXXXXXXX XXXX XXXX XXXX in XXXX on my post XXXX which is paid for by the Va and they pay my tuition and fees and a housing allowance. The Va department falsely signed me up for financial aid and classes that was never taken and illegally sold my information to XXXX and took out false payments from my state withholdings. This is not the first time they have been charged with fraud. As you can see in account inquiry that is supposed to be my schedule where I withdrew all my classes but one and got a U in one out of 4 which is a class from XXXX. They they aggressively came after because I was a XXXX veteran and had ties to the Va to falsely accuse me of failing a class to look like I took it twice and failed. In enrollment form you can clearly see where they falsified fasfa enrollments. I am definitely going to sue