23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVN Funding falsely claimed that a {$5700.00} company debt is my personal debt in violation of the Fair Credit Reporting Act. This is an act of abuse that I just uncovered by ordering my credit report recently from XXXX  XXXX XXXX. 

There is no evidence that I signed any documents stating that as an authorized signer of the business who took the debt, I was responsible to pay for the businesss debt. There is no such proof that LVN Funding can provide since such proof simply does not exist. Instead of pursuing collecting the debt against the business, as the former signor of the business, I was instead pursued. Additionally, LVNF Funding must provide proof of debt assignment from the original business lender as it can not even pursue a claim against the business without the proper written debt assignment letter from XXXX XXXX XXXX to LVN Funding. 

This act of abuse is illegal and must stop and a violation of New York XXXX and Federal Fair Debt Collection practices.
Product: Debt collection

Made numerous disputes with Equifax regarding the alleged debt and to provide proof of validating debt if that couldnt be provide it needed to be removed immediately and company has not provide that and it had not been removed
Product: Checking or savings account

On XX/XX/XXXX I went to XXXX XXXX and withdrew {$1000.00} from an atm. I then drove up to the Capital One Gateway Overlook Branch ( XXXX XXXX XXXX XXXX ) ATM and attempted to make a deposit of {$1000.00} in cash sometime between 4:10pm and 4:30pm. After submitting the cash ; the ATM went dead. I immediately went inside to speak with a branch manager but none was available. 

I was advised by a branch ambassador/teller named XXXX XXXX XXXX XXXX can't do anything and that I would need to contact the claims department. Contacted the claims department while in the bank. 

I was given a provisional credit pending investigation. Fast forward my account is negative {$950.00} and I just learned that the credit was reversed. According to the written notice I received, I was advised that a partial credit of {$50.00} was given to my account while {$950.00} was denied w/ no other details. 

I then contacted them and requested that I be provided written documentation of the investigation process. I have yet to receive the documentation. I called today XX/XX/XXXX to follow up and I was advised I would receive documentation. When I asked about the investigation process and requested to speak with a manager They basically stonewalled me. 

I requested an appeal which they stated I would have to wait 15-20 days for results. I was told I can't email a manager. I'm not allowed to have a manager 's name.
Product: Checking or savings account

I am a 19 year member of Pentagon Federal Credit Union ( PENFED ). Some time during the month of XXXX, I unknowingly discovered that my checking account was closed due to a fraudulent check that had been deposited into my account. Since that time, I have repeatedly asked/questioned this ( alleged ) check that was deposited into my account to no avail. Instead, I have repeated accusations hurled at me that I deposited the check via mobile deposit ( which I do n't have and have never used ) and then visiting an ATM machine to withdraw the monies from the fraudulent check. Here again, I NEVER did the acts that I am repeatedly been accused of. If this were n't enough, and to add further insult to injury, I am homeless ( since XXXX/XXXX/XXXX ) for which PENFED has full knowledge of. Yet, in another failed attempt to resolve the matter at hand-including an issue with an Overdraft that PENFED overdrafted and now hold me accountable, XXXX was able to retrieve the check in question. Based on the information he provided, the memo section of the check had 'insurance ' and the signature did not match mine. Hence, I am expecting this matter to move forward into being resolved. Unbeknownst to me, XXXX consults another individual named, XXXX whom he puts on the line and not divulging that he too was still on the line. XXXX, hurled accusations at me including 'you gave your login information to an individual who approached you wanting to make a deal, etc and then you immediately withdrew {$340.00} two days after the check was deposited. ' I was totally infuriated by the slanderous accusations ; but my words or rebuttal of these heinous acts fell on deaf ears. I did not commit any of these acts. What funds were withdrawn from my account represented a direct deposit of earnings from XXXX/XXXX ( XXXX XXXX ) but this was repeatedly overlooked. After an intense heated argument with both XXXX and XXXX, XXXX ultimately said they would not investigate as fraud because I was 'suspicious ' because of the withdrawal of funds. Yet, he acknowledged several deposits and withdrawals from XXXX/XXXX ; but refused to acknowledged the one that I raised. Instead, have me guilty of withdrawing funds from my account after ( allegedly ) depositing a fraudulent check into my account. Then XXXX going to tell me he would mail the statement to me after already being aware that I am homeless. Yet, claims this was n't in the notes. Another person, XXXX XXXX, whom I spoke to previously, scolded/chastised me by giving me an impromptu lesson on Identity Theft. I was deeply offended and insulted. Yet, he claimed he wanted to help. XXXX XXXX also was equally as offensive. This matter has been ongoing since XXXX and has grown worse. Despite wanting an amicable resolution to the problem, we are clearly at an impasse.
Product: Checking or savings account

On or about XXXX XXXX XXXX XXXX a bank teller, and XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, XXXX, MO branch. As a loyal customer of Regions Bank for the past XXXX years, I am appalled by the unprofessional conduct and denial of my request to withdraw funds from my checking account ( Account Number : XXXX ). This complaint solely seeks reason ( XXXX ) for the denial to withdraw funds from said check account and explains why XXXX XXXX denied the Complainant from closing said account that same date.
Product: Credit reporting or other personal consumer reports

After attempting to dispute with Experian about a XXXX XXXX card that is closed they keep sending it back verified even though they know for a fact it's inaccurate and can not have all that on it when it's closed and showing your balance and payment history and everything else. Under the fcra regulations they have to take this off my credit report because it's harming it. They refuse to do so and I believe they're not doing their job properly. I would like them to send me a description of procedures they followed to do this verification. And I know if they can not do this within 15 days it is a violation under law under 15 USC 1681i ( A ) ( 7 ) of the FCRA. I know the reason they keep saying it was verified is because it's easier to just say it's verified by looking at the previous dispute.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX ) was paid XX/XX/year>. And is do every XXXX of the month account was not paid on time on the XXXX of XXXX it was having trouble with the online portal for my account it was paid XX/XX/year> in the amount of XXXX XXXX Which would have been the min payment for both XXXX and XXXX. XXXX paid on XX/XX/year>. With that fact the account was not past do 30 days it would have to be XX/XX/year> in order for XXXX payment to be considered delinquent. I paid min payment for XXXX in XXXX along with XXXX payment. The late payment for XXXX I ask be updated with the credit bureaus and forgiveness be considered/ and noted that it was not 30 days pass do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I have shown Experian that XXXX has been unable to validate a {$4900.00} balance Experian has continued to report this inaccurate and false information.
Product: Credit card or prepaid card

On XX/XX/2018 I attended a XXXX XXXX XXXX XXXX XXXX 3 day workshop which I paid {$2000.00} to attend. From that workshop we were offered another workshop which would work with us until we earned 100 % of our investment. I paid {$21000.00} to attend that workshop. After realizing that none of the formulas they taught in the workshop were working for me I contacted the resource office. I spoke with a resolution specialist by the name of XXXX XXXX. There was an agreement to a refund of about half of the money. She emailed me a settlement agreement and mutual release on XX/XX/2018. As I read through the agreement I did not feel right about signing the agreement because of the language used and obligations I would be forced to comply with and I would only get a partial refund so I did NOT sign the agreement. Instead, I contacted my credit card companies that i used to pay the workshop with. XXXX kept the charges of {$4200.00} paid to XXXX XXXX and Capital One kept the charges of {$4700.00} and {$250.00} on my account paid to XXXX XXXX after their dispute process although there was a the settlement agreement that agrees to a refund all services paid for were not rendered.
Product: Credit reporting or other personal consumer reports

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXXXXXX XXXX per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against XXXX XXXX regarding inaccurate credit reporting associated with my XXXX XXXX payment plan. I believe that XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting my payment history and failing to provide clear and complete terms of the payment plan agreement. 

Details of the Issue : In XX/XX/year>, I applied for and was accepted into the XXXX XXXX XXXX XXXX payment plan. I was informed that my interest rate would be reduced to 0 % XXXX for XXXX year and that my account would be reported as current if I made minimum monthly payments of {$78.00}, totaling {$940.00}. 

Since enrolling, I have consistently made the required payments, except for XXXX payment that was delayed by a single day. Despite making subsequent payments on time, XXXX XXXX has continued to report late payments on my credit report. 

When I contacted them for clarification, I was informed that because I missed XXXX of the first payments by a day, they are continuing to report all payments as late. However, they have refused to provide me with an unredacted copy of the full terms and disclosures of the payment plan, only supplying a redacted version.

Relevant Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to provide accurate and complete information to credit reporting agencies. Additionally, they must correct any inaccuracies once a dispute is made. By failing to disclose the full terms of the payment plan and continuing to report accurate payments as late, XXXX XXXX is in violation of these provisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is coming from myself and no other person. On XX/XX/XXXX I contacted this company in regards to my right to privacy. This company has been furnishing items on my consumer report without my consent. This is a violation of federal law. I demanded this company to remove these items that are against the law and this company did not comply. In fact they claimed to have done an investigation when in fact there is no investigation needed in my demand to exercise my right to privacy. This is IDENTITY THEFT 18 U.S Code 1028. EXTORTION. 18 U.S Code 872. RACKETEERING 18 U.S Code 1962, FRAUD AND SWINDLES 18 U.S Code 1341 and 18 U.S Code 880 RECEIVING THE PROCEEDS OF EXTORTION. Amongst the FCRA violations like PERMISSIBLE PURPOSE 15 U.S Code 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity was stolen and was hacked online and as a result someone has attempted to apply for things i wasnt t aware of with unauthorized inquiries.
Product: Mortgage

After several months of no decision on a loan modification and being told that if I accept a trial it will halt c  Income bas ed consideration,  Citumortgage sta rted the foreclosure process on my home. After several conversations, I was asked if the home was vacant. The answer was yes. It seemed that the movement stopped on my modification because it went to underwriting twice. During this time I went to court several time and at the mediation, there was no compromise on their part. I was offered a trial that was {$800.00} MORE that my current payment. I made  6 pay ments because I did n't want to loose my home. When I received the paperwork, I questioned why my payment was so high and was told it was for taxes and I needed to discuss it with   XXXX   tax. They put me in touch with  XXXX  and they said it was the vacant property tax. When asked how they know the house was vacant, they said  Citu rep orted it to them. They also said that there were conditions for exemption. I was exempt o n 2 ca tegories. Litigation and renovation work. The tax was  XXXX  and should not have been paid  by Citi an d added to my mortgage payment. I submitted the necessary proof to  XXXX . I had a court date in the interim and told the court about the payment and that I was awaiting that reimbursement. In the meantim e Citu sold m y note to  XXXX  mortgage for  XXXX  without the adjustment being received for the  XXXX . The original mortgage at time of application for modification was  XXXX . The problem is that the bank reported my home to the city as vacant knowing that it was exempt from the year over year tax. I wonder how many people have lost their home because citi reported their home and they incurred the tax and did n't question it.     I want this practice looked into. I wan t Citi to modify  my mortgage to the very first offer and make adjustment inclusive of all payments, interest, fees, etc.
Product: Credit card

I am a victim of identity theft. The information I will provide appears on my credit report that does not relate to any transactions I have made. It is a result if identity theft. I learned of these accounts on XX/XX/XXXX. I learned all my personal information is on the black market per XXXX XXXX including email, SSN, phone number. 

I contacted the accounts to report fraud, requested to close accounts and send me confirmation letters. 

XXXX XXXX XXXX - {$8900.00} XXXX XXXX XXXXXXXX - {$2500.00} XXXX XXXX XXXX XXXX {$360.00} JPMCB CRD XXXX - {$3500.00} JPMCB CRD XXXX - {$3900.00} JPMCB CRD XXXX - {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly have been sending a 609 letter to both XXXX and Experian for the charge off accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they have yet to remove these charge offs that have 1099 being sent and they fail to do the work to verify and then sent me letters saying they were verified when in fact these account have been deemed charge off and they have already been paid and I have been taxed on these accounts. I have repeatedly reached out and to no avail have they removed these accounts and how can an account that is considered income be reported and is against fcra regulations and violates the law set forth for these actions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about the inaccurate Items. Below the listed Items that need to be update or fixed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Specialized Loan Services ( SLS ) refuses to provide me monthly statements of my account. After two years of contacting their Customer Care XXXX number, no one has provided me answers to the various questions I have regarding my account. Calling their Customer Care is meaningless as no one assists you ( see examples attached ). Due to SLS 's mismanagement of my account, my attorney wrote to SLS ( see attached correspondence and note it was also per the request of SLS in their letter dated XXXX/XXXX/15 also attached ) that they remove my escrow account and I be responsible for payment of taxes and insurance. However, per the attached letter from SLS on XXXX/XXXX/15, they refuse to comply with the request. Per my records, as of XXXX/XXXX/2015 my Escrow Account had a positive balance of {$330.00}. The past due amount was brought current as of XXXX/XXXX/2015 per the Trustee 's notification. I will not pay an increase in monthly payment until someone from SLS or XXXX XXXX does a complete review of my payment history with me via telephone or in person at a local office ( if local office is even an option ).
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX Customer came into my business and paid for services and products totaling {$2400.00}. The bank approved transaction and the products were given to customer, We made sure that it was her card and she signed the credit card service agreement. XX/XX/XXXX we get an email saying that our account with XXXX is now closed. Pending investigation and would withhold our funds for a minimum of 120 days. No other information given to me. I am immediately called Chase since Chase Bank is the parent company of we pay and I bank with Chase assume they would be able to help me out more. Chase said they had no control over this company and the only way to communicate with XXXXy is through email. so Chase was no help. I received an email from XXXX XXXX  XXXX days later stating that they would look into my request for information and get back to me within XXXX hours. Within XXXX hours I did receive an information email stating I need to submit information, including receipts and detailed purchase information. Sent over all information requested via email. They have not told me anything no more got another email saying that they will hold my money for 120 days. as a small business owner, the money is significant and is required to reinvest for a new products to continue my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX Television & Radio
Product: Credit reporting, credit repair services, or other personal consumer reports

SCREENING REPORTS RAN MY CREDIT ON XXXX TWICE IN ERROR!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX and XXXX XXXX  failed to comply and follow federal law of the 15 US Code 6802 with respect to my personal privacy and disclosure to my own information. 

These Banks and financial information never afforded my the opportunity to opt out of disclosing my person information to a third party consumer agency pursuant to : 15 code US 6802. 

a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

These hard inquries were reported to All 3 major Credit agencies : XXXX, TransunionXXXX of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX According to Federal Law these Financial institutions did not have my written consent to disclose my personal information pursuant to any would be transaction between myself and the creditor associated to these inquiries.
Product: Consumer Loan

I have disputed with the credit bureaus and Santander several times because they are showing on my credit report as debt transferred or sold. I also received something in the mail stating that Santander no longer has the loan and I do n't understand how the credit bureaus and Santander are reporting and updating my credit report showing late payments when they no longer own the debt any longer.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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, credit repair services, or other personal consumer reports

XX/XX/XXXX submitted dispute with XXXX regarding COLUMBIA DEBT RECOVERY XXXX XXXX GENESIS, that is listed on my credit report.

When my son first received the email from Genesis on XX/XX/XXXX there was not an itemized list of what amounts represented, there was indication of date owning there was just a final total of {$7100.00}. I never received an email only my son received. We were co applicants on the lease. XXXX XXXX leasing employees only sent emails to my son. 

I wanted verification that the amount listed as owning was accurate and from what period this amount is dated. 

XX/XX/XXXX I received notification that the balance was correct. Which does not address my issue with validation, no information on dates, what charges represents.
Product: Checking or savings account

Closed all my accounts, was supposed to be issued a check for {$54000.00}. At first told it hasn't been mailed than told it was mailed and cashed. I never received or signed for any check. Went to XXXX XXXX XXXX XXXXXXXX and told the XXXX  of the situation, Filed a Lost or stolen cashier check and declaration of lost and stolen check. Notarized. Sent it over and it wasn't enough. Went and got a police report that stated in surveillance it wasn't me and it wasn't enough. finally sent them proof of lost ID and they said it wasn't enough. Spoke with both XXXX and Escalations about this. 

This was back on XX/XX/XXXX and still isn't resolved as of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit report shows that I owe {$190000.00} to XXXX. In my Equifax credit report I can see the " original loan amount '' listed as {$23000.00} which is correct. The " amount paid '' is listed as - {$160000.00}. So when you take XXXX - ( - ) XXXX = XXXX which is the " remaining balance '' listed. When you minus a negative number they add together. 
My remaining balance to XXXX as of XX/XX/year> is {$18000.00}. 
XXXX, XXXX, and Equifax reflect that I owe XXXX {$190000.00}. 
I created a dispute for all three credit bureaus and XXXX today. 
This needs to be corrected ASAP or I will lose out on grant money to forgive my {$18000.00} of student debt with the XXXX XXXX program currently going on in XXXX  for first time home buyers. This is a mortgage loan program and I close on my home XX/XX/year>