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

Parties involved - XXXX 401k loan - Simple Finance - BBVA Compass ( partner bank of Simple ) - XXXX and XXXX XXXX My spouse ( XXXX XXXX ) had taken a loan in the amount of {$16000.00} from her XXXX 401k account on XX/XX/XXXX to be ACH deposited into a checking account with Simple Finance, an account under my name XXXX XXXX. This was recorded as " cleared '' on the XXXX of XXXX. 

Unknowingly ( by me until after the fact ) this Simple checking account was closed due to a charge off approximately two weeks prior to applying for the 401k loan for a negative balance. 

After recognizing this error, we had contacted XXXX on what would happen next. Per our understanding, XXXX had said, if the account no longer exists, Simple ( in this case ) would simply reject the transfer and alternative distribution would take place ( another checking account or physical check. ) We were told that a physical check was in fact coming and due to arrive no later than the XXXX of XXXX. This never happened. 

After days of phone calls with Simple support and XXXX to get the matter resolved, the issue was escalated to Simple 's Fraud and Disputes department for review. This is where I was asked for a 15 digit trace number because Simple was unable to locate the funds in their system. 
XXXX and Simple were unable to provide this information for me. 
So I called the BBVA Compass ACH Department ( the partner bank for Simple ) to request the 15 digit trace ID, where in fact the {$16000.00} did clear and was in their system. Due to the charge off status with BBVA, it appears that Simple either did not recognize or get the information from BBVA because of the account status. 
After presenting this trace number information to Simple per their request, they performed an investigation to which they said " We have confirmed that the funds have been received, but due to the charge off, it could take 2-3 weeks for us to issue a cashier 's check. However, if you would like to access the funds faster, we advise that you please reach out to XXXX to see if they can reverse the funds. '' After calling XXXX, they are unable to reverse the payment until BBVA/Simple reject it. In this case it seems Simple can not reject the payment either because they could not find it or something else. 

Then a follow up message later on " I wanted to follow up again. I'm not sure if there was a typo on your end, but the amount that we received from XXXX is {$16.00}, not {$16000.00}. I would suggest reaching out to XXXX for further information. '' This is categorically false. There was a pending transfer of {$16.00} that was initiated after the account was closed to cover the charge off amount of {$15.00} which is still pending. 

My wife and I are beyond frustrated with this and are exploring legal action for what should essnetially be a simple rejection or alternative we are unaware of. 
The BBVA ACH representative I have spoken with said, typically for charge off 's, its as simple as paying the balance due and receiving a cashiers check at a local bank. 

Simple offered this in the above quotes without any guidance whatsoever.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Student loan

On XX/XX/22 at XXXX, I sent an email to Great Lakes loan servicer stating I want to request a $ XXXX refund on my student loans that I finished paying off last year. How do I get that process started? Thank you. I then called them around noon on XX/XX/22 to talk to a representative about the same thing. The representative told me that she had submitted my request for the ~ $ XXXX refund and said I would hear back in 30-45 days. On XX/XX/22, I received an email back from Great Lakes stating XXXX XXXX, Thank you for your email. 

Our records indicate that your concerns may have already been addressed after speaking with a representative. 

If you have additional questions or concerns, please do not hesitate to contact us. 

Sincerely, XXXX XXXX XXXX Department Great Lakes Educational Services , Inc.

So I assumed that they saw that I had already called about the same issue by the time they were able to respond to my email. It has been over 40 days since my original call on XX/XX/22, so I decided to call again to check on it. I called Great Lakes loan servicer around XXXX today and the representative said that she saw where my request was submitted over the phone but then they received my email and they interpreted my email as I want to cancel my refund. As you can clearly see, it does not say cancel anywhere, only that I want to get the refund process started. I then asked if they could resubmit my request and put me on a high priority list. They said they do not have a high priority list but they did resubmit my request and it will be another 30-60 days before I hear back. I should not be punished for their mistake of misinterpreting my email. They did not do anything extra to make things right with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX  listed my account as being delinquent and threatened me with foreclosure, XXXX sent me documentation stating as such. 
However I have NEVER been late on my Mortgage payments. So on XX/XX/XXXX, I called and spoke with a XXXX XXXX Account Representative named XXXX, and XXXX and I discussed my situation. XXXX admitted that XXXX XXXX  made a mistake. XXXX promised me that she would correct the issue with my Credit report as it was being negatively effected by XXXX XXXX  's INCORRECT listing of my mortgage payments. After further consideration I realized that XXXX XXXX  's inaccurate account of my mortgage account has negatively effected my credit report. So I called in again and spoke with XXXX, a supervisor on XX/XX/XXXX and she informed me that it takes approximately 10 days for my credit profile to be updated with the correct information. However, it was never updated. On XX/XX/XXXX I spoke with XXXX of XXXX XXXX  and he transferred me to XXXX, employee number XXXX who promised me that he would rectify my credit stating that I have never been late which would restore my credit scores. However as of today, XX/XX/XXXX this situation has not been rectified. Due to this, my Auto Insurance has increased, my home owners has increased and my anxiety level has increased due to me having to pay more due to a mistake made by XXXX XXXX. If XXXX XXXX  would have never made the mistake, then my credit scores would have never been negatively effected. As promised by XXXX, I was to receive a follow-up letter from XXXX XXXX  stating that the discrepancy was a result of XXXX XXXX  and that any and all negative information put out by XXXX XXXX  would be corrected by XXXX XXXX  and any and all negative information created by XXXX XXXX  would be corrected ergo Mr. XXXX XXXX would not suffer from adverse information that was put into circulation by XXXX XXXX. A letter that was provided, XX/XX/XXXX was not sufficient as it did not correct the discrepancy nor did it rectify the damage that was already created by the initial discrepancy. 

Please assist me in rectifying this issue. Thank you!!!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Remove inquiries from XXXX and transunion credit report from XXXX XXXX. I did not authorize my credit to be ran by this dealership. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I tried to get them to take the late payment off i was told to file a report with CFPB
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

OFFICE OF THE ATTY GEN : Account XXXX XXXX XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been repeatedly called by the collection agency " Direct Recovery Services '' from the telephone number XXXX. Every single day at the same time in the morning I get a phone call from them. 

I have told them in the past to not contact me via telephone. However, they then started calling my workplace. I spoke with a very aggressive/sarcastic man when they called my workplace. I told them to not continue to call my work to speak with me. This was sometime last month. 

Today, XX/XX/2021, I got a phone call from my grandmother. Apparently, this company is now calling my grandmother about my debt and she told me they have disclosed my debt situation to my grandmother and also told her to tell me I can settle the debt for 50 % and that it would " behoove me '' to do so. I am absolutely floored by this, and I believe it is definitely illegal for them to be doing this. 

I just feel this is over the top for a debt collection agency, and I could deal with them harassing me but now they are also harassing my family members about my debt.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA XXXXction 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX, Equifax, XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, loans, insurance from the XXXX XXXX XXXX with balance of {$4900.00}, XXXX XXXX XXXX with a balance of {$2500.00}, XXXX XXXX with a balance of {$1000.00}, XXXX XXXX with a balance of {$530.00}, XXXX with a balance of {$330.00}, XXXX XXXX with a balance of {$1300.00}, XXXX with a balance of {$2600.00}, XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX a balance of {$250.00}, XXXX XXXX with a balance of {$350.00}, XXXX XXXX  XXXX XXXX balance of {$19000.00}, XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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: Credit reporting, credit repair services, or other personal consumer reports

This is based on Equifax : My name is XXXX XXXX XXXX. 

But someone used it as XXXX XXXX & XXXX XXXX Most of the credit cards and a major car loan, is not mine. 

I only have 1 car loan from XXXX XXXX XXXX and 1 credit card from XXXX XXXX, ALL else are incorrect information. 

I only have 2 major hard inquries which is from the XXXX XXXX and XXXX XXXX. 

The details from my XXXX is accurate while Equifax is way inaccurate. They probably used my sister 's social security number or had a typo that combined both of us. Again, I only have 1 car loan from XXXX and 1 Credit Card from XXXX XXXX, ALL else is from my sister ; XXXX XXXX. I asked her about it and she had no idea on why did this happen.
Product: Credit card

I noticed and reported charges for XXXX XXXX XXXX on my Chase XXXX account that I did not purchase. 

they closed my credit card and gave me a new card. They removed the charges that I reported as fraudulent. These charges were for XXXX XXXX. 

Each charge was for {$1700.00}. 

Transactions number ending it XXXX, XXXX XXXX charges were XXXX. 

This is a lot of money that I would not be spending. 

On XX/XX/XXXX, I noticed Chase placed these charges back on to my new card. 

Since them I have been arguing with Chase to say these are not my charges. I have also filed a claim with XXXX XXXX to dispute these charges. 

If you look at my credit card history you will see I don't buy expensive XXXX XXXX. I don't have in my budget for a big trip and if I were taking a trip I would also book a hotel and a place to stay. Chase is saying since one of the tickets was in my name ( odd sine there is no record of this in my XXXX account ) and that the ticket went unused that these must be valid charges. 

I have spent over XXXX hours trying to get this resolved and I am headed back to the bank on Tuesday to get more help. 

I am very disappointed in Chase, I thought that they would protect me. I have been a customer for over 25 years. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows eight credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

Wells fargo failed to invedtigate my ckaim losed the claim only XXXX XXXX dYs never closed my account and i was robbed of over {$97000.00}. From my boyfriend of 17 yrs left me after he died. Wells fsrgo never allerted me when tbis money was being taken oyt of my account. Balance was checked over 2 bours away from where i lived. In the city of XXXX XXXX i lived in XXXX ca. They were rude and didd not wNt to help me. Then all my money was gone {$140000.00} in 1 and a half months. Neef help got police report and all tje documents XXXX XXXX  lick has it.
Product: Money transfer, virtual currency, or money service

I am noticing I have an account and there's money being transferred I don't know where it's been transferred to it's being transferred to
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX presented several offers regarding a loan so I looked at them. On XX/XX/2022, I received an email regarding a decision on a loan with Lending Point but I did not give permission to pull my credit report. XXXX XXXX did the same with credit card offers guaranteeing approval which was incorrect. 
On XX/XX/2022, I lifted the freeze on my XXXX report for another company and Lending Point pulled my credit while unfrozen XX/XX/2022. XXXX XXXX and Lending Point must work together to get customers for companies. I am a Identity Theft customers that lead me to freeze all the Credit Bureaus. In addition, any company should call me before any processing.
Product: Debt collection

LVNV FUNDING, LLC/RESUGENT states they found no records supporting your allegations, including, without limitation, that LVNV improperly used obscene and belligerent language. However, it is I, whom has been offended by the use of language in LVNV FUNDING, LLC/RESUGENT CAPITAL SERVICES notices and communications. LVNV FUNDING, LLC/RESUGENT CAPITAL SERVICES ) such as " debt collector '', " debt owed '', " collections '' all are words I find offensive. These notices have included several violations of 15 USC 1692 using such words in notices that have my personal information attached. Furthermore, all notices have been received during inconvenient times. Lastly, LVNV, has not validated any contract that I have consented or agreed to with their company.

LVNV has continued to damaged my credit and reputation. This is a violation harming my physical reputation and caused me to loose business opportunities that I am trying to secure.LVNV, FUNDING LLC unlawful attempt to prejudice my security interest  and liberties by an action against the XXXX XXXX Estate is injuring and damaging me and is an unlawful trespass and a violation of but not limited to ; Title 15 USC 1692e ( 4 ), Title 15 USC 1692 C ( c ) ( 1 ), Title 15 USC 1692k ( a ) ( 1 ) ( a ) Article 1 Sec. 10 to the Constitution for the United States of America 1791, Nunc Pro Tunc. 

I am demanding to remove ( DELETE ) the collections from all three credit bureaus and cease all communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX has violated my rights. 
Account name : XXXX # XXXX has violated my rights. 
Account name : XXXX XXXXXXXX XXXX # XXXX has violated my rights Account name : XXXX # XXXX has violated my rights. 
Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) # XXXX has violated my rights Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights Account name XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX has violated my rights Account name : XXXX XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX  # XXXX has violated my rights Account name : XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

I did the Administrative Process Act 1946 with a 30-day debt validation letter and ended with Notary Default and Dishonor Register Mail # in this case I was the Plaintiff 6 months later they sold the alleged debt to XXXX XXXX XXXX XXXX XXXXXXXX. I did the exact same thing and guess no one responded to the Affidavits so that fraud has to be XXXX  out with the document case law and the matter of Fact presented. on the record
Product: Debt collection

I SET UP A XXXX  PAYMETS OF XXXX XXXX {$1200.00} ( XXXX XXXX  MORE ) XXXX XXXX {$1200.00} XXXX XXXX {$1200.00} FOR BARCLYS BANK REF # XXXX BARCLYS IS NOT ACCEPTING THE SATTELMENT THEY COLLACTED THE XXXX PAYMENT NOW THEY SAY THAT XXXX PAYMET CAME BACK THEY TRY TO CALLING ME WITCH THEY NEVERD CALLED ME
Product: Debt collection

I sent a letter asking General Revenue Corporation to validate a debt on my credit report. Account number XXXX. They did not respond which is a violation under 15 U.S. Code 1692g ( a ) is a section of the U.S. Code that covers the validation of debts and requires debt collectors to send a written notice to consumers within five days of first contacting them about a debt. The notice must include : The amount of the debt The name of the creditor A statement that the consumer must respond within 30 days A statement that the debt collector will provide the consumer with the name and address of the original creditor if requested in writing within 30 days Please help me and remove this account from my credit report