23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Over the past month I've been receiving several phone calls from Southern Finance. They have left multiple of voice mails even after I sent in a dispute letter they still chose to call at inconvenient times especially when I'm working. I have proof that they are calling repeatedly and leaving voicemails and they have not corresponded to my validation letter. They also threatened to " take action their way on their terms ''. No debt collector has no rights over any consumer. I need them to prove to me that I am a so called " borrower '' and stop harassing me.
Product: Credit reporting or other personal consumer reports

Experian failed to correct negative information on my report and update my report and score. 
Please allow me to explain : XXXX. Experian reports my mortgage provider as XXXX. XXXX mortgage was transferred to XXXX in XXXX, XXXX. There were no late payments. Bank statements reflect all payments that were made on XXXX ; XXXX. Experian reports accounts that were opened qithout my permission and authority and reflected in police reports and FTC report and refuse to remove it ; XXXX. Experian reports chuld support account that originated in XXXX and list alleged collection in XXXX, XXXX. No collection ever took place. Payment history reflects that payments were made on time and actually resulted in overpayment ; XXXX. Experian " lost '' my credit history between XXXX - XXXX and reports my oldest account as of XXXX ; XXXX. Experian refuses to provide me with information pertaining to their legal XXXX and/or provide me with information were to submit legal documents...
Product: Mortgage

I had a XXXX ARM mortage on my house that was due for a balloon payment of approx $ XXXX on XX/XX/2021 wiith XXXX XXXX XXXX. Being a busy small business owner, i did not notice the end of term date and noticed it late when the mortage company ( XXXX XXXX XXXX ) holding my note told me that i was due to pay them the entire amount due on XX/XX/2021. I initiated a simple refi loan application with Quicken Loans in anticiaption that the loan will be closed ( Quickly ) in the two to three weeks and i was assured at the time i applied with Quicken Loans that they will be able to handle this quickly. But this was just a start of very lengthy and convoluted process that has now take Quicken Loans more than two months to close my loan. In the meanwhile, my existing loan servicer, XXXX XXXX XXXX has reported me delinquent for being 60 days past due on my mortage. As a result now Quicken Loans is denying me the loan saying that i have a negative credit event as a result of their incompetence to close the loan in time and are denying me the loan. This is crazy and unfair.Due to the incompetence and callousness of Quciken Loans processing team, I am not being held responsible for something i had no control over.
Product: Credit card

when I called about why I was unable to use my cc I was told I had suspicious activity on my card and they stopped the use of my card in XX/XX/year>. The card was released, I was allowed to charge on XX/XX/XXXX and XXXX, and it was held again. When I called again they stated I had suspicious activity and they needed to verify who I was by sending my driver 's license to them. On XX/XX/XXXX I spoke with a representative on the phone and she provided me with the fax number to send my driver 's license I sent it at XXXX on XX/XX/XXXX. I asked the representative if they could verify if the fax were sent she stated that they could not and it would take 2 weeks to confirm the fax would be received and to call back in two weeks. I called back on XX/XX/XXXX and was told my account was closed because no documents had been received in 40 days. If I was not able to verify if the fax was not received from their end for two weeks but received a confirmation on my side why should my account be closed? I never reported fraud activity on my account and my account has been paid in full. There was no reason to hold my account, verify my account, or close this account if I never reported anything. The practices they are using are not fair to me as a consumer as I was not allowed in any part of decision-making or given accurate communication from them about the status of this account.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : CLOSED ACCOUNTS BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNTS BELOW ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, On my XXXX report, it states that I have a total of XXXX total accounts, but on my experian credit report, it is reporting that i have XXXX total accounts on record. I disputed this and got no answer as to why there are such inaccuracies on my credit report. After researching on my own what credit accounts differ, I noticed Ascent student loan is on my experian report but not on my XXXX report. I would like this problem solved and the extra accounts removed from my credit profile with experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have the right to My privacy
Product: Debt collection

Dear LVNV Funding LLC 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. 

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

XXXX XXXX  is telling me that XXXX XXXX XXXX XXXX  did a hard inquiry on my credit score. Date of inquiry says XX/XX/2024. I have not applied to any sort of credit or loan application with XXXX XXXX I am worried that someone has stolen my identity and opened a credit card in my name.
Product: Student loan

Hello I attended XXXX college inXX/XX/2018- XX/XX/2018 as you all know XXXX  closed down. I have been trying to get a discharge on my loan for as I did not use any of my loan money also I have a federal student aid loan of XXXX and only XXXX  was used and I'm unsure where the rest is. I have been trying to get information through navient on how to discharge my loans and the forms I need to send to dept ofeducation. I have called and called and no one picks up. I have talked.about how I could get the money from the loan if I have to repay it back at least I'll have the money and bbe able to take my education else where. I'm confused a single mom of XXXX  and work.hard to pay my Bill 's I'm already struggling and this is making it harder on me and my family not only did my education get ripped from me, everything else will too when I have to pay money back that I didnt even use.
Product: Debt collection

I moved into an apartment in XXXX XXXX XXXX XXXX  called XXXX XXXX and a few months after moving in I went home to XXXX  for 2 weeks for a family emergency. I had gotten a call from a neighbor next door that they were several people in my unit. I called the 24 hour security the second I found out and he went right to the unit and a female opened the door while I was on the phone with him. 
He specifically asked her if she was ( my name ) she replied with yes. They did not make her show ID to prove her identity. I called the police, I called the property several times and there was nothing anyone could do to get her out. I turned off electric to try to run her out. Then very rudely was notified the next day by the office that Im not allowed to turn it off during an active lease so the property had it turned it on again through there company name. I was exchanging emails and phone calls with the company and nothing was done. With signed permission from me to the property through email, I had a friend go to my unit to make sure nothing was damaged. She had to give her ID in exchange for keys to the unit. This was allowing her to go in to make sure things are OK on my behalf. When she was in the unit, all my furniture, TVs, kitchen goods, everything had been gone. Im told I owe over {$8000.00} to this company. I have been fighting for years. I stopped all communication with them as they are not helpful. Always told nothing can be done due to squatters rights but what about my rights as a tenet. They did not protect my unit knowing there was nothing I could do while away. This place has caused me nothing but trouble. I have made police reports hoping it would help resolve the issue.
Product: Money transfer, virtual currency, or money service

I have an account with Robinhood, stock and trading website. I have over {$2300.00}. in. I did not like the fact they said they had not recieved my deposit of {$500.00} ... .the bank confirmed they sent it on XXXX XX/XX/2021 ... they continue to say they did not recieve it. I trioed to call several times but got confusing messages about what to do. Bottom line, i sold all my stock and tried, unsuccessfuly, several times, to withdraw all of my fund and closer the accpount, but they block me from doing so. Repeated attemps and calls have done nothing. Please help me retrieve my money. Thanks.
Product: Credit reporting

This is a complaint against Equifax/XXXX. This that I am writing is evidence that I am correct and Equifax wants to keep reporting incorrect information in my credit report, simply because according to them it is the regulations that they follow, I do n't understand these laws that they follow and the regulations that they follow because this account that I am disputing of XXXX XXXX that is being reporting in an incorrect manner in my credit file by Equifax. I has been many months that I have been disputing this account and this account that I am going to attach, received by mail, Equifax ignore whatever information and evidence I give them and violate the federal laws in protection of the consumer ( XXXX ) even though I give them all the evidence I can they still have n't deleted this account from my credit report. Today, XX/XX/XXXX, I had contact with the Department of Disputes in XXXX of Equifax , I told them all of this and about the account of XXXX XXXX and as well as XXXX. Overtime I have phone contact with them different stories to tell me to justify their unfair and all their fraud that they have caused on me, one of the executives told me that even thoughI have all the physical copies and evidence I can have that because I have multiple investigations open they ca n't close the case without having the proof from the banks, they do n't want to own up to their responsibilities or their job. The executive that I contacted in the morning that in XX/XX/XXXX the account of XXXX XXXX was deleted, but she says that because I have other accounts open even though I have given enough information and physical evidence they ca n't close those accounts, which seems to me as an absurd excuse to justify this unfair act that was caused upon me, because even though they have more evidence that I can give them and proof that other institutions also agree with me why would they keep going on with the lie that I am in the wrong and why would you treat me and my case like this? I have been very kind with them and all I get back is an unfair and absurd excuse to give me, they do n't care about my case and they just do what ever they want with it without following the federal laws. Exactly the same with the account of XXXX, at this point I think it is personal that they do n't want to delete my account because there is no other explanation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I tried contacting my bank Capital One to dispute a charge on my debit card but I kept getting hung up on. The charge is from XXXX XXXX for {$1400.00} that was charged in 2 seperate transactions one for {$140.00} and another for {$1200.00} to my Mastercard ending in XXXX on XX/XX/2021 for the purchase of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX Carats that I was supposed to receive within 5 days via XXXX. I showed my ID to a XXXX employee and I never signed for the package I ordered. The person who signed used a fraudulent signature at my apartments by spelling my last name wrong " XXXX '' when my name is " XXXX XXXX ''. I have filed a police report with XXXX XXXX Police Department with case number XXXX for the crime and reported to XXXX  and XXXX XXXX. The merchant has not been helpful and I have attached my emails with merchant and XXXX  as well as my Police report information. I just want Capital One to help me dispute these 2 transactions on XXXX XXXX for the full amount due to me not receiving the merchandise so I can have a refund please. 
My number is XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a citibank checking account that has been blocked for nearly three weeks. I am currently paying fees to keep the account open, late fees for my credit card because without access to the account I can't pay my bills. I have contacted the bank four times, and was told that my account is under investigation and then they hung up on me. I have done nothing illegal, owe no money, and have at no point received any information as to why I am being targeted by Citibank. 

For months before, I had been locked out of the account because of their incompetent internet banking that would change my password. But at this point they won't even give me information and just hang up when I call. 

This is causing me severe hardships as I am abroad and need access to these funds in order to eat, pay rent, pay bills, etc. 

It is XX/XX/XXXX, and I have not had access to the account since XXXX. 

In addition, I have been paying a monthly fee of XXXX USD for a service of citibank priority that I am unable to use, given they have never sent me a card to activate and use.
Product: Credit reporting

I ca n't communicate with the credit reporting company. Every time I try they inform me the information I provided was incorrect. The information I provided is the only information I have on me, my name, my address, my SSN, and my date of birth. This information have n't changed in over 25 years. For them to tell me this information is incorrect leads me to believe, that, maybe the information they have is incorrect. If so, the information they are reporting on me is inaccurate. I 'm just trying to submit documents to conclude a 6 year battle I had with student loans.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX at a restaurant in XXXX  owned XXXX XXXX XXXX. I was told they pay on this XXXX XXXX XXXX. I trained XXXXXXXX XXXX and decided not to go back. I received a XXXX XXXX XXXX that I registered and when I checked I had XXXX something XXXX  on it. I tried using the card XXXX XXXX at XXXX and such for small purchases when traveling and the card did not work. I saw on an email that it is not set up for traveling and it did NOT give a reason no funds? So I never really bothered witht he card since it had such little funds. That was in XXXX, I recently called the back of the card to see why I could never use it and it said my balance was XXXX. That is impossible since I never used it. I called them up and they said I registered it and I never deposited money. I told them my job did and they said they checked and there are no funds ever put on. This is a lie and XXXX. They never sent me paperwork as proof and now everything is wiped out? They are a scam, they wouldn't let me take my money out and made it so frustrating an now XXXX later it is gone and since they only have online info they wiped it out. I want my money sent to me in a check and this company investigated. They have terrible views of misconduct.
Product: Debt collection

There is an old XXXX XXXX account being reported on my credit report. They Claim I made a payment on XX/XX/XXXX of XXXX, I have no recollection of this debt or making any payments on that specified date. I called to get as much information as I can about this debt and I found out this debt has reached its statute of limitations. However, the credit bureaus have done a really poor job investigating this account and getting back to me. The company reporting this debt is Portfolio Recovery, they're reporting this debt to XXXX  and XXXX.
Product: Vehicle loan or lease

I had an auto loan with Mechanics Bank. I refinanced with XXXX XXXX. The day after XXXX  XXXX paid the loan off with Mechanic Bank, on XX/XX/XXXX, Mechanic bank drafted my regular payment on XX/XX/XXXX. I was told this would be returned within 30 days, no sooner. It has not been returned. I have sent several emails. I have made several phone calls. Customer service is vague and unhelpful. They don't know anything and apparently lack the ability to find out. It is now XX/XX/XXXX and I demand my money be returned. This has drug on and on for over a month now. They drafted my regular payment on XX/XX/XXXX for an account that was paid in full on XX/XX/XXXX. It is not that difficult to refund an overpayment. Perhaps they could be guided on how to write a return check or at this point, return it by wire? This would be a much simpler solution than having to file complaints against the bank and sending out several certified letters and or having to hire an attorney. 

Thank you and best regards
Product: Credit reporting, credit repair services, or other personal consumer reports

New York and Company Comenity credit card reported a late payment to all three credit bureaus for an item that was returned in XXXX XXXX. New York and Company partially refunded the credit card three months after the return was processed. Partial credit was done in XX/XX/2022. I called numerous times to request for a full refund. The merchant informed me that while they investigate and work on crediting the full refund back into the credit card, they will not report a late payment. However, they reported a late payment for the months of XXXX and XX/XX/2022. Final refund was processed in XX/XX/2022. I've called XXXX as well as New York and Company multiple times to have the late payment removed. Both companies have not resolved my complaint and the error still have not been corrected. Late payment still shows on my XXXX credit report for XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company keeps restating the data is accurate- the major data problems Account Balance - moved out on time, didn't break my lease and the minor repairs needed didn't equal almost XXXX. The account was posted as an eviction which is very malicious and intended to keep me from getting other apartments i have been fighting with them since i moved out in 2019. When i did move in there was a list of problems/repairs that needed to be done and kept being ignored until right before i was getting ready to move out. The quality of work done in previous repairs caused some of the problems i experienced while living there. The ceramic tile in the bathroom was installed incorrectly leaving the tile vulnerable to weight and or normal wear and tear damage. The tile eventually cracked and needed to be replaced and caused one of my friends to get injured while standing on the tile. The door frame holding the front door was old and the places used to screw the door had become work so the front door had to be lifted to get it to close. It would not just close normally. The walls in the rest room were extremely thin so when the door was closed and shower was running the walls would be damp from moisture and over time small holes started appearing in the walls. The air conditioner went out in the unit and it took them several weeks to get a replacement installed even once that happened it was never cool as it was before. I asked if they had any fans at least they had nothing so i was forced to purchase a portable air conditioner for {$400.00} to use it caused me electrical problems as the unit required more power so other things had to be unplugged to use the unit. There was intermittent electrical outages The refrigerator went out and ruin all my frozen food and the perishable items in the main part this cost me XXXX XXXX XXXX to replace the lost food not to mention i was forced to eat fast food during the time it took them to make this repair.