23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$3600.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
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. 

LVNV FUNDING : # XXXX, XXXX XXXX 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: Mortgage

XXXX XXXX I put my house up for sale, and immediately moved out with my XXXX kids, due to a divorce. I moved down the street to an apartment, pending the divorce decree and the rights to the home turned over to me. My lender Flagstar Bank has denied every short sale, deed in lieu of foreclosure, and offer that my realtor submitted. My XXXX year old aunt took ill this XXXX XXXX, so I had to get rid of my mortgage attorney. The lender is not allowing me to refinance or do anything to save my property. I now have a $ XXXX-XXXX deficit with the lender. The house has been on the market for two years. The lender requested XXXX for the home. A buyer submitted the offer of the exact amount, and we were then asked to get an appraisal and survey done. Those procedures have been completed, and now the offer has been denied again. I have been treated very unfair over two years and I am doing everything to save my home, my credit, and find my XXXX kids and I a safe place to stay. The lender is not communicating with me or the realtor. I pulled my credit report on Friday, XXXX XXXX, XXXX, and then saw " foreclosure initiated '' on my credit report. I have not received any additional documentation to my current residence.
Product: Debt collection

Beginning approximately 90 days ago ( today is XX/XX/2023 ) and continues daily. Elan financial calls my cell phone 2-6 times per day. Sometimes before XXXX and after XXXX XXXX. Try to answer repeatedly, say hello several times before being hung up on every time. Tried to return the calls and I am required to give an extension number that I do not have I have 2-3 accounts that are managed by Elan. I have no way of knowing which they are calling about
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX I am under the victim of Domestic Violence Protection Act. I am requesting that the company immediately assist me because I just got robbed at gunpoint and must move immediately from my current location. EMVLP LLC/FIS is fraudulent and I need for the company to remove the account from my credit file within 4 business days from today 's date XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to LexisNexis 's written response dated XX/XX/XXXX to my previous dispute for Case No. XXXX regarding judgment number XXXX which I just received the updated report dated XX/XX/XXXX showing the items suppressed and removed from my report for LexisNexis 's Case Number XXXX. 

This dispute follow up is specifically regarding the LexisNexis 's letter ( page 3 - 3rd paragraph from the bottom ) where LexisNexis specifically asserts the following " When information is removed or deleted from the  consumer reports provided by LexisNexis pursuant tour FCRA responsibilities our internal nomenclature is to indicate that the records were suppressed because consumers do not necessarily have the right to have the record removed or deleted from non-FCRA reports XXXX as bulk records used by other consumer reporting agencies. The effect of suppression of record from consumer reports is the same as the delete or removal referenced in the FCRA. '' Please note that the Judgment number XXXX that was entered against me ( without my knowledge ) by XXXX XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXXwas set aside by the court on XX/XX/XXXX after I filed a Motion For this to be done since I was an improper party to the suit and subsequently the Plaintiff requested the court to nonsuit the matter onXX/XX/XXXX,  which completely removed and dismissed the suit that was erroneously entered on XX/XX/XXXX and no longer exists. 

Therefore, I am demanding again since this judgment number XXXX and now been dismissed I do have a right for not only this previous judgment not to be just be suppressed but I have the right for the judgment account to be completed deleted and removed from all Consumer databases and non-FCRA reports such as bulk records of LexisNexis and any other agencies that they have reporting this erroneous account/judgment record that has been dismissed by the courts. 

I further request that LexisNexis immediately removes this judgment account from all consumer databases and non-FCRA reports ( databases ) such as bulk records since I do have that right since this matter has been dismissed from the courts as ofXX/XX/XXXX 

I have included a copy of the printout from the court records and website that can easily be verified that the matter has been dismissed and LexisNexis does not have the right to report erroneous information on this account about me in consumer or non-FCRA reports or bulk records. 

Please provide me written confirmation that this account has been removed and deleted from all consumer reports of LexisNexis and non-FCRA ( bulk records ) of LexisNexis since the judgment XXXX has been dismissed onXX/XX/XXXX
Product: Debt collection

XX/XX/year> I reach out to the debt collector for validation I havent receive anything from them. 1692c indicates debt collections agencies cant report anything without my consent or my permission..
Product: Debt collection

My credit report is showing a collection account from XXXX XXXX. I never received written notification about this debt which means I have not been given a chance to dispute this account according to 12 CFR 1006.34 ( c ) 4I XXXX XXXX are violating my consumer rights. I am requesting DEBT VALIDATION according to 15 USC 1692 ( g ), as well as the purchase agreement between ASSETCARE and XXXX XXXX XXXX, a detailed list of the history of payments, proof that XXXX XXXX have chain of title to collect on this debt. Without providing any of this information this account should be permanently deleted immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of XXXX XXXXXXXX Charge-Off and Request for Deletion Due to Improper Investigation Dear Equifax, I am writing to formally dispute the XXXX XXXX  charge-off entry on my credit report and request its removal due to improper investigation and inaccuracies. This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). The recent action taken by the Consumer Financial Protection Bureau ( CFPB ) against Equifax highlights significant failures in your investigation processes, which directly impact my dispute. 

The CFPB found that Equifax : Ignored consumer documents and evidence submitted with disputes. 

Allowed previously deleted inaccuracies to be reinserted into credit reports. 

Provided confusing and conflicting letters to consumers about dispute results. 

Used flawed software that led to inaccurate consumer credit scores.

These violations undermine confidence in the accuracy of Equifaxs reporting systems and investigation processes. Specifically, Equifaxs failure to thoroughly investigate disputes and its reliance on flawed systems have directly harmed consumers, including myself. This is unfair and has caused me financial harm. 

The XXXX XXXX charge-off entry on my report is inaccurate and was not properly investigated. I have attached relevant documentation supporting my dispute. I request that Equifax : Conduct a thorough investigation into this matter.

Ensure my credit report is 100 % complete and accurate. 

Provide me with a clear and detailed explanation of your findings. 

Remove the XXXX XXXX charge-off entry from my credit report if the investigation confirms its inaccuracies and delete all inaccurate names and outdated addresses. 

Furthermore, I urge Equifax to comply with the requirements outlined by the CFPBs order to ensure proper handling of consumer disputes. Please complete your investigation within the 30-day timeframe mandated by law and provide me with a corrected copy of my credit report reflecting these changes.
Product: Credit card or prepaid card

My Chase XXXX XXXX XXXX credit card was carrying close to a XXXX balance in XXXX of XXXX. I then made 2 promotional debt transfers to the card ( XXXX in XXXX and XXXX in XXXX ) at 0 % interest for 12 months ( after paying a transfer fee ). 

I then made roughly {$1400.00} in purchases in XXXX of XXXX and made payments to the card in excess of {$1500.00} in that same month. They applied this {$1500.00} payment to the non-interest bearing transferred debt and not the purchases that bear interest. This has continued since XXXX. I keep making payments in excess of the minimum due and they continue to apply my payments to the non-interest bearing debt vs the interest bearing debt. 

For the past 2 months ( XXXX and XXXX ), my total purchases in the month have been {$24.00} ( a recurring XXXX charge ) yet the interest being charged is in excess of my purchases because of their practice of applying my payment to non-interest bearing debt. 

I spent 45 minutes on the phone with them today ( XX/XX/XXXX ) and I asked them to stop this practice and to apply all my payments to interest bearing debt before the noninterest bearing debt. They refused, and then hung up on me.
Product: Credit card or prepaid card

I purchased an item that was defective and tried to return it, but they would not accept. 
The problem is that chase credit card bank is violating my rights under the fcba in regards to disputes. they never notified me in writing of the dispute or anything else for that matter, they did not issue a temporary credit as they stated to me. there is no where for me to see the staus of this dispute and they refuse to answer secure emails other than we will respond to you in one business day. I have 6 or 8 of these emails with no actual information supplied in regard to the dispute. I talked to a supv today named XXXX that refused to give me an employee number other then he is in ohio. and again refused to do a temporary credit or send me a letter of the dispute. they have never sent me anything in over 2 weeks andf actually refuse to do anything as per the FCBA regulations.
Product: Checking or savings account

I used an ATM at the XXXX XXXX in XXXX, Nv, on XX/XX/2017 to withdraw funds from my account at Wells Fargo bank. I obtained the funds, but the next day discovered that I had been charged a " Balance Inquiry '' fee of {$2.00}. This was above the expected fees of {$2.00} from Wells Fargo for using a NON-WF ATM and the fee of {$2.00} from the casino for the money distribution. 

I believe that this additional fee is unwarranted, and just an attempt from Wells Fargo to get additional funds from its customers. I knew I had the funds in the account and did not want an " inquiry '', I just wanted my money.
Product: Student loan

My university uses ECSI as a loan servicer. The servicer 's repayment process on their website is very difficult to navigate. I pay all of my bills online, including a student loan from a different servicer, and ECSI is the only one that I feel is intentionally trying to scam people into not making payments or being charged fees to make a payment. 

The whole issue with ECSI stems from having to navigate through a convoluted process to set up a payment schedule. In my situation, I attempted to make a payment several months before my deferment period was over. 

The process began like this : First, the option to make a payment was not given. After searching the site you figure out that you need to go through a separate process to add a checking account to your loan account so that the payment can be withdrawn from it. 

Second, once the checking account is added, you are given a few options to pay your loan i.e. via checking account, credit card, etc. A problem here is that XXXX of the payment options are identical except XXXX charges you a transaction fee while the other is free. These XXXX payment options both withdraw from your checking account. If you select the wrong option you may be directed to the process where you will need to pay a fee just to pay off your loan. 

Third, once you select the free option to pay by direct debit ( checking account ) you select your loan balance that you want the payment applied to. Here, I elected to make a {$700.00} payment. After inputting {$700.00}, you need to hit the " apply '' button. I think this button tells the system that you really do want to make a {$700.00} payment. 

Fourth, after you hit apply, you now need to check off on the boxes " below ''. Here, I agreed to the terms of use. Then I checked a second box where I was telling the system that I wanted my payment to be withdrawn/applied to my loan on a specific date and then selected the date I preferred. 

Fifth, I clicked confirm and received a confirmation page that my payment will be applied on the date selected. 

The problem arises in the fourth step. There 's another box that I needed to select. This box generally says that I would like my payment applied in periods of deferment or when payment is not required by me. So, even though I went through all of the steps telling the system I really want to make a payment and I want this payment applied on a particular day, none of it made any difference because I did n't select the XXXX box asking to apply payment when payment is not required. I even was taken to a confirmation page that showed my payment set up was a success but it never really was a " success '' because ECSI intentionally made the process convoluted. 

I was lucky to catch this during my deferment period. There has to be many situations where people paying off their student loans post-deferment encountered the difficulties of the ECSI payment process and ended up being slapped with late fees and such.
Product: Checking or savings account

Elder abuse case. I was defrauded out of $ XXXX thru Chase Bank.
Product: Checking or savings account

XXXX XXXX I Tele deposited a {$1000.00} check drawn on XXXX XXXX savings into my Bank of America checking acct!! 
XX/XX/XXXX BoA recieved funds from XXXXXXXX XXXX  ( confirmed by both banks ) XX/XX/XXXX BoA took a {$1000.00} from my account!! After hours of calls and abuse BoA said XXXX XXXX cashed the same check on XX/XX/XXXX?? 
I spoke to XXXXXXXX XXXX and they did not cash that check!! And XXXX never recieved a second request to honor the same check!! BoA said checks don't have to to back to where drawn on!! Doesn't make sense to me
Product: Debt collection

This company is very abusive. They will not try to take a {$20.00} payment when they know you have Covid and have suffered and lost family members during the pandemic. 
Will not try to settle wants full amount but want big payments.
Product: Debt collection

My identity has been stolen. I am receiving collections for medical bills that arent me. They have put the medical bills on my credit
Product: Credit reporting or other personal consumer reports

I endeavored to process my automobile loan payment online. Capital One provides usernames for their customers, and I had an established account where I always made my payments online. However, I encountered difficulty resetting my password, so I reached out to Capital One for assistance. After a few attempts, they reset my account, but I still faced challenges setting my password. Following multiple unsuccessful login attempts, I realized that my last name was misspelled on the system, with the last two letters reversed. After seeking guidance from a representative, I successfully updated my username and reset my password, enabling me to make the payment online. Despite the payment being made on XX/XX/XXXX, it was not processed until midnight, technically marking it as XX/XX/XXXX and resulting in a perceived late payment. Following a detailed discussion with a representative named XXXX from the office of the president at Capital One, my concerns were investigated and acknowledged. However, my request for a conversation with their employees was denied in writing, without offering an immediate resolution to the situation. It is essential to note that the payment was initiated on XX/XX/XXXX, and therefore, I should not have incurred any late fees or negative marks on my credit report.
Product: Debt collection

I have disputed the information for the referenced account, with both the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 
I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. Under the XXXX XXXX XXXXXXXX reporting time limit and the Fair Credit Reporting Act, under Section 625 of the FCRA, and the XXXX XXXX XXXX XXXX ( A ) ( 1 ) - ( 2 ), ( f ) ( 1 ) ( i ) ( ii ) - ( vii ) chapter 1 to 90, this laws specified by section 's : -Section ( iii ) paid tax lien, Judgments which been paid, satisfied or vacated tax lien involving a purchaser, transferee or assignee, tax notice or from state tax commission who's liability has been wholly paid or satisfied or no longer exists, should be deleted in the report within 30 days.-Section ( iv ) any accounts placed for collection or charged to profit and loss or Charge off / paid in full charge off account should be remove / delete, or not reported for more that 5 years on credit once charge off or once the account it's paid should be remove within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Id theft victim These accounts are not mine XXXX XXXX XXXXalance {$21000.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$620.00} XXXX number XXXX ( i have my own card ) XXXX ( authorized user ) Not my account XXXX XXXX  balance {$3800.00} ( i Have never paid late ) XXXX XXXX Never paid late XXXX OF XXXX XXXX This is in deferment till 2024 Never paid late DEPT OF XXXX {$37000.00} this account is in deferment till XXXX never paid late
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE INQUIRES FROM EQUIFAX, XXXX, XXXX THERE IS FTC REPORT WITH NAMES AND DATES OF INQUIRIES.
Product: Money transfer, virtual currency, or money service

This Complaint submission is in regards to PAYPAL Services which has failed to allow me access to my funds. My account was previously compromised and there was fraudulent activity that took place. I called to speak to a representative regarding the charges on numerous occasions. An investigation took place and throughout that time, my account was at a XXXX Balance. As of yesterday XX/XX/XXXX, I received an email stating the case was closed after an investigation and that my account would be credited the total of {$700.00} with 2 Disputes Fees of {$15.00} each. When checking my account it stated there was negative balance of {$30.00} resulting from the Dispute Fees. There was no other funds available. 
I decided to contact PayPal directly which I have been on the phone with them for 2 hours to figure out where the credit went. The first representative did not seem too informative and stated the credit was sent to my financial institution. I explained nothing was sent to my financial institution and that I never received the credit. I then requested to speak to a supervisor who can further elaborate on the matter. I then spoke with XXXX XXXX - ID XXXX who stated he is an Account Supervisor. XXXX XXXX was rude continued to interrupt me and refused to answer any questions I would ask. He stated the credit was applied to my account and that there was a negative balance which was never the case. I have checked my account frequently and there was only an investigation and no negative balance. He stated my account was negative {$700.00} and which is why I don't see the credit. I asked him to provide me with documentation indicating so because I never received notice nor did my account reflect what he was stating. I even went through the account history with him and yet still no indication of a negative account. He then stated to refer to the email that was sent last night on ( XX/XX/XXXX ) and that it should indicate my account was negative. I have attached the emails from PayPal in the documents associated with this complaint submission. He then left me on hold for 25 minutes and then another representative came on the phone by the name of XXXX XXXX - ID XXXX. She as well did not provide me with any additional information. When I requested for documentation indicating my account was previously negative, she refused to comply and stated " Go figure it out on your own. '' I have never dealt with such poor customer service in my life. I would like to have access to my funds as soon as possible. I will exercise my right and file a civil suit if my requests are not reached as soon as possible. 




CASE ID : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and FTC regarding these accounts that do not belong to me and they are still reporting on my credit report. I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

This letter is being sent to you pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g Sec. 809. I am responding to your contact about collecting a debt. You contacted me by phone on XX/XX/2023 about a debt of {$40000.00}.

You violated the FDCPA Sec. 809 ( a ) by not providing the written notice specified in that section within five ( 5 ) days of your initial communication. I do not have any responsibility for the debt youre trying to collect.

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. 
Stop all other communication, all third party 's and reporting companies.