23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX XXXX open an account in my name online. No ID no verifiable signature and yet they open this fraudulent account without my knowledge. Ive been trying to dispute this for 4 years to no avail, now LVNV funding has purchased this fraudulent account from XX/XX/XXXX XXXX and after sending them the identity theft affidavit they still havent remove this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX i was never served with papers on this debt for court and the debt has never been prove to me in acordence to FCRA and all three are listing this debt incorrect i want this full debt on all three removed asap i am a XXXX vet frighting with them for going on two years please help thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX i called the credit reporting agencies And she Unathorized things that need be Removed as such as Inquiries. 

18 U.S.C 10028A
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against Possible Finance for failing to provide validation of a debt that they claim I owe. I requested verification of this debt, but despite my request, I have not received the necessary documentation to substantiate the debt. 

Here are the details of the dispute : Debt Collector Information : Agency Name : Possible Finance Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Debt Information : Debt Amount : {$31.00} Original Creditor : Possible Finance Account Number : XXXX My Request for Debt Validation : I sent a debt validation request to Possible Finance, asking for proof of the debt, including the original contract or agreement, a statement of the amount owed, and evidence that the agency is authorized to collect on behalf of the creditor. However, I have not received a response within the time frame required by the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of Rights : This failure to provide validation violates my rights under the FDCPA, specifically my right to request proof of the debt. Additionally, I believe that Possible Finance has continued collection efforts without verifying that I owe the debt or that they are authorized to collect on it. 

Actions Taken : I have attempted to resolve this matter directly with Possible Finance, but their failure to respond appropriately has left me with no choice but to escalate the issue. 

I respectfully request that the CFPB intervene in this matter to ensure that Possible Finance complies with the FDCPA by providing the requested debt validation. If they can not provide proper validation, I ask that they cease all collection activity related to this debt. 

I am willing to provide any additional information or documentation needed to assist with your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Student loan

i requested a copy of my payment history from the time i started paying back my student loans to XXXX/navient. instead they sent me copies of my statements. I have requested a loan modification on my student loans and they said that they do not do modifications. I was never informed about a income driven repayment plan. however, I have been paying my student loan since XX/XX/2000. my balance win i graduated was like {$25000.00} and now it 's like {$2000.00}. it doesnt seem like it will ever come down. I went on the navient website today to obtain info. they have deleted my email i sent them and they have added a payment history screen that was not there before.
Product: Checking or savings account

ftc violation and frc hacking issues told the bank about it they still have not refunded my money sent all required documents
Product: Money transfer, virtual currency, or money service

I noticed that several transactions were deducted from my account on XXXX. I contacted the credit union and informed them that I did not make nor authorize these transactions. 

The credit union credited my account for the following disputed transactions. However, the credit union failed to credit my account for {$2000.00} that was XXXX XXXX transaction that I did not make. I have never provided anyone my XXXX XXXX information nor authorized an individual ( S ) to transfer money from my account to their account via XXXX XXXX. 

The credit union informed me that the unauthorized transactions were made from XXXX ( XXXX ) devices. The only access device that I use to make any XXXX XXXX transactions is from my cell phone. I have not given access to my cell phone to anyone. 

It appears that the credit union has violated Regulation E 12 CFR 1005.11 because they refuse to refund the disputed transactions back to my account that are covered by the Electronic Fund Transfer Act and Regulation E because of the following : * First, the transactions that I disputed met the definition of Electronic Funds Transfer per Regulation E 12 CFR 1005.3 ( b ) ( 1 ) because my transfers of funds were initiated through XXXX access devices that I do not own and dont have access. 
* Second, my disputed transactions met the definition of an unauthorized EFT per Section 1005.2 ( m ) ( 1 ). 
1. Section 1005.2 ( m ) ( 1 ) states that this exclusion does not apply to transfers initiated by a person who obtained access devices through fraud or robbery. 

* The Official interpretation of Regulation E 12 CFR 1005.2 ( m ) ( 3 ) Access device obtained through robbery of fraud ; states that an unauthorized EFTs includes transfers initiated by a person who obtained the access device from the consumer through fraud or robbery.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I noticed a lot of address that did not belong to me on my experian credit report. Also I noticed names that did not belong to me and a birthday. I contacted Experian through mail and sent a copy of my drivers license, ss card and a utility bill. They did not remove the wrong information. 

XX/XX/XXXX I sent another letter notarized with my Drivers license, ss card and utility bill. They sent me a report back XX/XX/XXXX and they still did not remove the wrongly reported information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed 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. I have made a report with the FTC identify theft. Enclosed is a copy of the report. XXXX XXXX, Originated from XXXX XXXX XXXX Amount of {$3500.00} Please block this information from my credit report, pursuant to section 605B of  the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I have filed a FTC identify theft report enclose in my complaint. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  DEPT OF EDXXXX # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws have been broken under the FCRA. This has caused me financial turmoil, defamation of character. The reporting of this false information has hurt my ability to obtain credit.
Product: Credit card

I had tried multiple times to set up autopay through my Discover account yet was never notified it didn't go through despite a window popping up thanking me for setting up autopay 3 separate times. I was charged late fees each if these times. When I contacted their customer service about it I paid my balance of {$440.00} and told them to close my account when the payment went through. That was beginning of XXXX. I received multiple confirmations of my payment and never once was contacted about the payment not going through. I was locked out of the app as the associate then closed my account. Today I go back onto the app just to verify the account was officially closed and now I am now seeing that I owe {$480.00}, the account was never closed and now I am being charged fees?
Product: Debt collection

I try to disputed many times with debt collector why the original amount increase every month, they said the amount is correct.
Product: Mortgage

Myself and my same-sex partner are currently in a 30-year fixed FHA mortgage. In XXXX, we were originally contacted by PennyMac to do an FHA streamline refinance because rates were favorable. After talking with the sales agent, we decided to apply for a 30-year fixed conventional instead in order to save having to pay MIP. We were verbally told over the phone that the underwriter did not find the evidence of extenuating circumstances sufficient enough to forgive a foreclosure that happened 6 years and 11 months ago - 1 month away from 7 years when it would drop from my record entirely. I then asked the sales agent if we could go back to the FHA Streamline Refinance and he said " Yes - and it would still lock in your very low rate ''. Later that same day, he copied me on an email to the loan processor and underwriting requesting that my application be switched to the 30-year streamline. 2 days later, we signed the application and loan disclosures for the FHA streamline at a 3.25 % rate. We submitted all signed documents a couple of days before the XXXX XXXX elections in the U.S. Our rate was locked until XXXX. However, shortly after the elections, mortgage interest rates went up considerably and quickly. We did not hear back from anyone at PennyMac. When I finally contacted them a week later, they verbally told me over the phone that the underwriter on the conventional loan DENIED and CLOSED our application so we lost our rate lock. Despite this, I have an email messages that asked the underwriter and loan processor to CHANGE our application - which were sent on the day we were verbally told we were denied. I have YET to receive any documentation in WRITING of our denial / cancellation and the reasons given. Whenever I 've inquired why the loan processor and underwriting did not follow the instructions requesting to switch to an FHA Streamline, I 'm given an " I do n't know '' answer and that the issue would be escalated to management. The sales person, of course, offered to start a new application but since market rates have gone up since we originally applied, the new rate offered was 4.125 %, not 3.25 % which we had originally locked. I suspect that PennyMac is failing to comply with fair lending practices because interests rates rose by almost a full percentage point after the election which was considerably higher than I had " locked in ''. I asked that the issue be escalated to upper management and that I receive follow-up explanation and written documentation. That request was processed on XXXX/XXXX/XXXX ( per email from sales agent ). As of the date of this complaint, ( XXXX/XXXX/XXXX ), I have received no resolution, no explanation, and no denial / cancellation documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB team, My complaint is about my business Equifax report. Equifax has been reporting an open balance on several tradelines for the past few months. I always review Equifax report to confirm the balance would change to {$0.00} but this didnt happen.This information that is being reported and reflecting an open balance is incorrect I never leave an open balance with any vendor more then 5-10 business days. Ive also confirmed with all vendor I dont have an open balance. These types of error get a business rejected when applying for funding this has happened to us recently. See attached Equifax report as of XX/XX/XXXX Ive numbered and circled all incorrect open balances I also sent this to Equifax Thank You
Product: Credit card or prepaid card

Discovers new TV is misleading and using XXXX  toys to promote credit to XXXX  year olds. The ad should be pulled.

XXXX XXXX XXXX XXXX
Product: Prepaid card

In XX/XX/year>, I was awarded a check in the Equifax data breach and signed up for credit monitoring. Last week a mysterious email arrived in my inbox. It was saying I had XXXX in funds from the Equifax breach, and I needed to enter the code provided to retrieve a prepaid card for a virtual wallet. My husband did not want me to click on any links in the email, as we are very cautious at this point, so I did some research and found that this might be legitimate. I called Equifax and they gave me the number for the XXXX XXXX XXXX even though I explained that I did not think it was right to ask me to put more of my data online. Well way back when, Equifax was lax with my data and now they would like to give me some money from the lawsuit that ensued from this lax, however, they have farmed this out to an offshore cardholder services company, to give me a virtual prepaid card, however, in order to redeem, I have to give out my information to this cardholder services company, then shop only online. I am sure they probably gave Equifax a discount, because if I give this cardholder services company my data, they will sell it and I will be bombarded with offers from all over the place, just like Equifax bombarded me with credit card offers after I signed up for the credit monitoring service. So I have been tossed back and forth all day between Equifax and this XXXX XXXX XXXX. All I want is Equifax to send me a check and XXXX employee number XXXX, just informed me that they can't do that. XXXX, I believe is also offshore somewhere, as he also has a pronounced accent and lots of noise in the background. Although it would be nice to have the money Equifax owes me, however, it is not worth XXXX dollars to have my information in yet another database that these companies can not seem to secure, so instead, I am filing a complaint, in hopes that it will wake the consumer protection bureau of what
Product: Credit card or prepaid card

Some woman alleging to be XXXX called several times from a number in XXXX, TX ( XXXX ) XXXX. She alleges to work for Centennial Bank. She alleges to be calling regarding a dispute. The number from which XXXX calls is an unmanned mailbox and is directly routed to a switchboard notice. There is no extension provided. There is no last name provided. There is no operator to speak with. This is a fraud scheme carried out by Centennial Bank. They do not investigate disputes in compliance with federal law. Instead they knowingly engage in these scams with the intent of evading compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this complaint is to inform you that these companies I am complaining about ignored my requests. I sent a letter requesting them to validate accounts on my report that does not belong to me. Within that request there was a debt validation form that they needed to fill out. Until this date I have not received any correspondence from these companies. At this point these companies are in violation of the Fair Credit Reporting Act Section 611 ( a ). Based off of the aforementioned act and section, they must remove the provided accounts if they do not complete a thorough investigation and respond to me within 30 days. Again I would like you to know that it has been over 50 days and still no response from these companies. This situation is stressing me out and I am looking to start litigation against these companies if they continue to ignore me. If it helps, my information was affected by the XXXX  data breach.
Product: Credit reporting or other personal consumer reports

Experience had failed to fulfill its legal obligation under the fair Credit reporting Act to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved.
Product: Consumer Loan

On XXXX XXXX, XXXX, my XXXX Nissan XXXX was totaled in the flood that occurred in XXXX XXXX, LA. I filed the proper claims with my auto insurance and XXXX insurance companies. My auto insurance company 's payment posted to my account for the date of XXXX/XXXX/XXXX. I received a letter in the mail from the XXXX insurance company in XXXX notifying me that they had mailed the payoff check to NMAC Total Loss department on XXXX XXXX, XXXX. I began watching the account online to monitor when the payment would post. After I saw no activity by XXXX XXXX, XXXX I began calling NMAC. I was told that they had not received the payment yet and that I needed to contact the XXXX insurance company. I contacted the XXXX insurance company so that they could investigate the issue. I was contacted a few days later, I was told the check was indeed received by NMAC and drafted out of their account on XXXX XXXX, XXXX. I was emailed a copy of the check that was stamped by NMAC. 
I discovered that the account number that the NMAC team member wrote on the check when they processed it was wrong and they credited the wrong account. The CSR I spoke with found the account and she saw that the {$9300.00} check had posted to an inactive account. She put in a request for the proper department to correct the issue and post the money to my account. 
The issue still has not been resolved I keep getting the runaround. I have been calling NMAC approximately every other day since XXXX XXXX, XXXX.
Product: Credit card or prepaid card

I was paying monthly to lower the balance on the card. Each month I was paying the bill, but 80 to 90 % of the payment was going to interest on purchases. The balance kept increasing. This happened every month. I got to the point I couldn't keep up with the bill. 
This seems to be what Discover had planned. i believe mostly to line their pockets and didn't care that i intended to concentrate on paying the balance. This occurred every month. The balance continued to grow and there was nothing I could do about it. After a period of time it was impossible to keep this up. I had to give up trying.
Product: Credit card

I called the credit report agencies and let them know the late payments documented were not supposed to be visible on my consumer report. I never gave them written consent to report them.In pursuant to 18 U.S. Code 1028A-Aggravated identity theft Section 1.
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. 

List of Unauthorized 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Debt collection

I have asked Wells Fargo to stop calling and they have called every day for weeks straight. I have screenshoots of my phone log with evidence
Product: Debt collection

To whom it may concern, I am writing to dispute the following accounts that was changed off as of ( Month, year of first charge off ). Since then the account has been updated as charge off every month. This is an updated in the payment history which to my understanding charged off account should NOT include an active payment history. This is also falsely manipulating the statue of limitation. I am demanding a deletion of the following account.
Product: Payday loan

payday loan company offered a loan called really early scam they want {$110.00} up front. 
E LoanELoan.XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, a Sunday, I noticed my Paypal account was showing 10 unauthorized transactions. They were occurring even as I looked at my account online. 
They were for items mostly around $ XXXX dollars for distillery product, groceries, XXXX, XXXX, clothes, and more. The total was around {$230.00} before I could change my security settings such as pin, password, and add a code by phone prior to use debit card. I had my debit Mastercard and nobody else had a copy. Nobody else was given my pin for the card either. It was like somebody had my card and pin in a store and was buying things. It appeared to be an inside hack job or maybe stole a skim for my Paypal debit master card. I reported this to resolution. I tried to call Paypal to report some unauthorized activity but no live person was available. The activity stopped after I changed the pin or increased security measures that evening. I had not used my Paypal card for several days prior to this. I have not used it since XX/XX/2020 either. 
The next day my personal bank account began receiving charges from Paypal. It is strange that I did not have my bank set for auto back-up as the activity was occurring. Yet the charges were forwarded to be paid by my XXXX XXXX account. I reported to XXXX immediately to block these unauthorized charges. Eventually, XXXX did it and would not allow Paypal to transfer charges to my bank account. I did not have my bank pay any charges and have blocked them from getting to my personal XXXX account. I have tried to close the account with Paypal. There is a credit of about {$35.00} in the Paypal account. I do not care about that since I had not used it for any of the unauthorized charges. My account is " Limited '' by Paypal and they even wanted me to give them my PW for my XXXX account and a copy of my statement. It is apparent that Paypal is not accepting the activity on XX/XX/2020 as unauthorized. I am surprised by this since Paypal had generally been helpful for many years as a safe way to do online transactions. Paypal is not allowing me to close the account online. I have written a half dozen messages to explain to me how this could happen. They do not respond and just leave the account dangling in a " Limited '' status.
Product: Debt collection

Portfolio Recovery bought a debt that I owed to another company. I don't owe them any money. I've never had an account with them. I've never done business with them. I've never talked to them, and yet they keep putting a collection on my credit report. They bought a debt, I didn't borrow anything from them