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

Opened the account and funded with {$2000.00} to receive a account bonus of {$250.00} and never received it.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 and XX/XX/2024, I requested a verification of debt servicing and a request for debt validation for both collection and servicing to be able to report this information to my credit report. On both occasions the following companies failed to validate the debt on all XXXX bureaus ( XXXX, XXXX XXXX, and XXXX ) : Loan ME XXXX XXXX XXXX XXXX These three companies are reporting inaccurate, incorrect, and invalid on my credit report to provide information that they are not legally allowed to report information to my credit report pursuant to the following statutes : 15 US Code 1681 ( 4 ) 15 US Code 1681 ( A ) 15 US Code 1681 ( E ) 15 US Code 1637 Per the laws and regulations stated above, these items must be deleted from my credit report within the next 7 days.
Product: Debt collection

Hi, The Phoenix Recovery Group called me on my cell phone XXXX today XXXX at XXXX XXXX trying to collect a debt. 

This debt is past the statute of limitations within the state of Texas. The account became in debt in 2007 for an apartment called XXXX XXXX The Phoenix Recovery Group continues to call me and try to collect on this account that is past the statute of limitations. I 'm seeking that the Phoenix Recover Group stop all efforts to collect a debt that is past the statute of limitation. Additionally, I 'm seeking the Phoenix Recover group remove any negative reporting information they have supplied to public reporting agencies and credit bureaus.
Product: Credit reporting

Without my knowledge someone has attempted to reach into accounts and use my social security number for their use. I demand a dispute on that person whose has been using my information. For the last year someone has been messing with my social security number. This is the first time I am actually trying to contact about this. It has been going on for a while and I thought it would just go away
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect item on my credit report, It has been over 30 days and I have received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  shows Service Bureau Inc with a " potentially negative '' note of a {$10.00} paid medical bill going to collections. This is in error. If I would have known about this {$10.00} charge sooner, I assure you it would have been paid immediately. I was never notified
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I took out a loan for a vehicle that I purchased in XXXX  with XXXX XXXX. A year later I was in an accident and my insurance company totaled out the car and paid almost {$7000.00} to the balance of the vehicle. The total amount of the loan was {$11000.00}. The amount that I paid on the loan between my payments and the insurance payment was {$11000.00}. 

XXXX has listed on my credit report the account had late payments and then closed with a charge off of almost {$3000.00} still owed. I have the records of all payments made on the account that are directly from my XXXX account that lists the car payments made every month, on time as well as the check payment from the insurance company. I have reached out to XXXX and Experian about the issue and still have no resolution. Any assistance you can provide would be greatly appreciated. 

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

In accordance with the fair credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Student loan

I have a private loan with Navient, formerly XXXX. They have put me into different repayment programs and have never properly credited my payments. No matter how much extra I paid toward my loan, for principal it is never credited this way. I originally borrowed {$13000.00} and even after paying on it since XX/XX/2006 now owe over {$15000.00}. At times when my payment was only {$120.00} per month I was paying {$250.00} and my balance still continues to go up instead of down. This company is a complete joke and has XX/XX/XXXX many consumers.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXe XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I sent the amount of {$170.00} to XXXX in exchange for a program system. He refunded me once but the second one he did not. I gave him a total of {$350.00} dollars. I only got {$170.00} back. I would like the other half back. I contacted not to Long ago.
Product: Credit reporting or other personal consumer reports

someone XXXX stole my name and tried to do an hard credit check from this bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I want it removed from my credit score at Equifax I never signed up at this bank before and I don't live in Ohio
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a correspondence from the major credit bureaus that these accounts were verified via phone, email, or fax. 
SOC SEC ADMIN OFFICE is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX US BKPT CT IL XXXX is fraudulent on my credit Account The credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
These are fraud, I didnt benefit, apply for, and authorize these accounts. Please remove them under the fair credit reporting Act of 1970 under 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]
Product: Debt or credit management

The company LVNV funding lll in the amount of {$480.00} is reporting as a collection/charge off I have asked for them to remove it, or provide me with my authorization or signature proving this is my debt and have had no response. I would like it completely removed off my credit report as it is affecting me financially and I am trying to build my credit and they refuse to help!
Product: Vehicle loan or lease

Hello. I have A " World Onmi open account affecting my credit big time. I sign off on this card because my ex needed a car. After we broke up I realize that payment was not being made and a few months later the car was repo. Of course it will go on my credit because is under my name but I feel like although I made the mistake to get a car loan I should not be responsible for the remainder balance of 5k+ to be  paid by me. 

Please help! 

Thank You
Product: Credit reporting or other personal consumer reports

XXXX Inquiries in which I did not inquire. My ssn has been misused in multiple occasions and my credit has suffered because of it. 

XXXX XXXX SERVICES ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

I do not know who FAIR COLLECTIONS & OUTSOUR is. I did not give them information to report nor I have I done business with this company. It is showing up on my profile and causing me to get denied for housing. I did not give them my information.
Product: Money transfer, virtual currency, or money service

In the month of XX/XX/2022, I was befriended by an attractive woman name, XXXX XXXX XXXX, on XXXX. She has sent personal messages and I had reason to believe she was really the person in her pictures. We have messaged daily, and she had always talked about investing in XXXX  and how much she made doing that. She had me convinced that I could do the same. She talked about platforms like XXXX and XXXX and has sent me links to download onto my phone. I foolishly fell victim to her scam. I downloaded the apps and began investing a few XXXX dollars from my bank account to XXXX, and eventually to XXXX. For some reason, she had me send her screenshots of funds and my XXXX account information. I was told I could apply for a loan at Upstart.com to increase my funds faster. I applied and received a {$5500.00} dollar loan which I then put all into my XXXX account, and eventually transferred into my XXXX XXXX The virtual currency I was investing in was XXXX. I saw my XXXX rate increase at a rapid pace. I was convinced this was legit, but when I tried to transfer funds back to my XXXX account from XXXX, I was told I needed to pay an absurd amount, {$20000.00}, just to transfer it back. I ended up paying a few months of the Upstart loan because I felt I was stuck with it. I haven't financially been able to pay this loan in recent months, so it has gotten sent to collections. This has severely damaged my credit and hampered any future loans. I called Upstart to try to resolve this account but unfortunately, they don't have any resolutions for scams or loans applied without identity theft. I reported this person and scam to FBI, FTC, and Upstart. My next steps will include contacting Credit bureaus.
Product: Mortgage

XX/XX/XXXX I was XXXX payments behind on my mortgage and contacted the mortgage company for assistance. I initially fell behind on my mortgage because I was laid off due to Covid, I have since begun working again and I am now making more then I was when I bought the home. I was placed on a special forbearance and told it would be good through the end of XXXX During the special forbearance I was told to apply for a payment deferral which I did. I was initially told in XXXX I would have an answer regarding the deferral within 45-60 days. As of XX/XX/XXXX I still did not have an answer and was told to please allow more time for a decision to be made. While on the forbearance I was told that no payment was due and my credit was protected. I was also told I would be approved for the payment deferral as long as I didnt have a lien on my property ( which I dont ). I was told this by multiple loss mitigation agents. 

I spoke to : XXXX ( Agent ID XXXX ) Rajwinder ( Agent ID XXXX ) XXXXi ( Agent ID XXXX ) Each agent told me the same thing regarding the payment deferral. I asked to speak to a supervisor at least 5 separate times and was told a supervisor would call me within 24 -- 48 hours and no one ever called me back. 

Today XX/XX/XXXX I was told I was denied for the payment deferral because my investor did not allow for this type of assistance. This is not true, I have a VA loan and spoke to the VA and they in fact DO allow for payment deferrals and advised me to file a compliant with the CFPB once they heard my story. 

I do not understand why I was told to apply for a payment deferral if a payment deferral is not allowed on VA loans ( according to citizens bank ) I do not understand why it took 4 months for someone to tell me a payment deferral would not work due to my type of loan. 

I do not understand why I have not been contacted by a supervisor when I have asked to speak to one on at least 5 separate occasions. 

I do not understand why I was initially told I could make partial payments to get caught up and now I am being told Citizens will only accept a full payment and partial payments are not allowed.
Product: Debt collection

Creditor violated the fair debt collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this debt.
Product: Credit card

It has come to my attention that DISCOVER FINANCIAL has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an ADVERSE ACTION pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the CONSUMER CREDIT TRANSACTION using my credit card pursuant to 15 USC 1602 ( L ) making DISCOVER FINANCIAL an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means DISCOVER FINANCIAL benefitted from the transaction. I am the one who extended credit through the credit application. DISCOVER FINANCIAL used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action.Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. DISCOVER FINANCIAL is civilly liable for violations of TILA pursuant to 15 USC 1640. DISCOVER FINANCIAL is civilly liable for violations of ECOA pursuant to 15 USC 1691e. I DEMAND the credit applied for to be approved. I demand my card be mailed to the location information provided.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act these creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681 section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These consumers are all in violation of my rights. The credit card accounts are not open end plans which they should be. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX KOHLS/CAPITAL ONE XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

Aspen National Collection is a third party debt collector that have called my phone numerous times until I asked them to stop harassing me for money that I don't own to them. I owe {$950.00} to the original party since XX/XX/2019 of this year for my maintenance fees. I am late on my payment because of hardship and the original party hired this company to collect the payment. Aspen have since reported an inflated outstanding debt totaling {$1300.00} to the credit bureaus, including their debt collection fee of {$390.00}. They are reporting to the credit bureaus implying that my account has been either been sold or taken over by them ( Aspen ). They are charging me as if they are a legal/law firm hired. They are blocking me from continued business with the original party since I have a tax bill with the original party due soon. I will not be able to pay the tax bill directly since my account has been tied with Aspen and  their fees. It occurs to be a unjust cycle and their leverage is to continue to charge inflated fees until it's paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank failed to send a monthly statement of my account to either my physical address or electronically notifying me of charges. I do not use the credit card often and I didn't remember the charge that particular month when I did not receive a bill. I was reported to a credit bureau as being over 30 days late, even though the account was paid off in full, when they did reach me by phone after it was 31 days late. The agent removed the late fee as a billing error after I paid it if full, and told me it would not be reflected on my credit report, but it was. I checked all e mail correspondence for statements and there was not an electronic statement sent to me. I simply would like the negative action taken off of my credit report. It is the only late payment I have on the report in an over 30 year history. I wrote a letter to dispute the error but they said it was correct. I am currently disputing this a second time.
Product: Mortgage

I have asked for a monthly statement over the year only to be told many different reasons why I ca n't have one! I believe any would want to know where their money goes it seems it should be my right? they used to send them what happen? another thing that raises my eyebrow is this tax year I repeatedly asked for a XXXX only to be told I did not pay interest and that they would not provide one ... one last thing I have registered to log into my account but there is no information no payment history no balance nothing ... .another interesting thing is last year I applied for a car loan and told the officer that I have a home for the last 15 years he said it was no where yo be found in my credit history ...
Product: Debt collection

I recently received a debt collection notice from CBE group, ( XXXX XXXX XXXX, XXXX XXXX, IA XXXX ) regarding a debt with XXXX aka : XXXX XXXX, for the amount of {$2100.00} and regarded an account number : XXXX and a CS Number : XXXX, Reference number : XXXX. I've never had a XXXX account. I wrote to dispute the debt to no avail. I then called and spoke with one of the representatives at CBE group. During the course of that call it soon transpired that I must have been the victim of identity theft because of the address of the account in question was certainly not mine but the thing was that whoever perpetrated this gained access to my social security number. I've filled alerts with all the appropriate agencies but was advised to file one here as well to help remove this debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX failed to disclose : I hired XXXX to assist with negative claims on my credit report. I informed them directly that I was doing so to get a mortgage. They filed a set of disputes. When I continued my efforts to get a mortgage, 100 % of mortgage companies contacted said they couldn't proceed toward a mortgage with disputes showing on my credit report. As I had just moved, and was living temporarily in a hotel room, this waste of time and money was highly disconcerting. An even more significant trouble was getting the disputes removed. XXXX XXXX was no help, and as before, the credit bureaus have a highly difficult phone answering system to get through. The initial 3 phone numbers for the bureaus that XXXX XXXX provided took me several hours to get through, and ultimately dead-ended. I then received 3 new numbers from another source, and after an hour on the phone received confirmation that the disputes were removed. Then a week later a mortgage company tells me they're still showing! Frankly, I'm in mortgage and credit report XXXX-the credit system allows a company to file fraudulent claims for payment, and we the consumer are presumed guilty. There is a whole industry based upon this lapse in our system ... of which XXXX XXXX is a part. Companies now find it in their favor to make false claims, easily turn them over to collection agencies. They both know that the sums of money aren't enough for a consumer to hire an attorney. 'Credit Repair ' companies then feed the fraud, when there isn't a legal basis for their statements ... the basis for their 'credit repair ' is simply the hope and prayer that collecting entity will simply fail to respond within 30 days. This is fraud upon fraud. To make it worse, the credit bureaus are a money-grubbing effort,  unconcerned about the consumer. Today, XXXX sends me a email saying my dispute is resolved, and give a link to view it. It goes to their site, but when pushed, it simply returns to the home page. They're fraudulently indicating I can view the report without being a paying member, yet I can't see it! Another part of this whole fraudulent process!
Product: Debt collection

I received a letter from AMCOL stating that I owed {$490.00} for a hospital visit on XX/XX/XXXX. I was not in the hospital on XX/XX/XXXX and I had not received any prior letters from the hospital stating that I owed money. I also did not receive any letters from my insurance company stating they would not provide coverage. I wrote a letter to them explaining this and asked for verification of debt. In return I received another letter and a bill which was dated for XX/XX/XXXX. There was no mention of the incorrect date on the original letter. The bill also shows that the total amount was covered by insurance and that I did not owe any money. I called AMCOL to have the account closed and they refused so I asked for verification of debt again. I faxed them the bill showing them that it does not show I owe any money and still continued to call me to collect debt.I asked again for proof of debt and received nothing. I also wrote them another letter and copied the bill I was given asking them again to close the account or provide proof of debt. I still have not received anything and the account is still open and effecting my credit score.
Product: Money transfer, virtual currency, or money service

The company Coinbase removed the debit card that I had on file from my account for over two years. I'm now unable to make or receive purchases. The card had been authorized and verified. I'm very concerned for my privacy. The same company has also retaliated in the past, after I submitting a consumer complaint. I'm very concerned that at the present, the company Coinbase views itself as being immune from any prosecution for its insider trading schemes.