23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The debt collector has not provided me with the proper debt validation for these allegd debt. 

XXXX XXXX XXXX  Acct numberXXXX. Opened XX/XX/XXXX {$870.00} XXXX XXXX XXXX XXXX  Acct XXXX opend XXXX {$1500.00} The XXXX XXXX XXXX XXXX 
XXXX. Opened XX/XX/XXXX. {$220.00} XXXX XXXX XXXX XXXX XXXX  Acct number. XXXXOpened XXXX {$8600.00}. 

XXXX XXXX XXXX Acct XXXXOpened XX/XX/XXXX {$5700.00} XXXX XXXX XXXX Acct XXXX. Opened XX/XX/XXXX Amount {$270.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal line of credit with Desert Financial ( account number XXXX ), a credit card account opened with XXXX XXXX  ( account number XXXX ), XXXX personal credit card accounts with XXXX XXXX ( both account numbers begin with XXXX ), and XXXX personal XXXX  credit card accounts with XXXX ( account numbers XXXX, and XXXX. 


These accounts are all appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. The aforementioned accounts appearing on my consumer credit report maintained by you were charged off due to fraud and must be removed immediately. I have attached a copy of FTC Identity Theft Criminal Complaintas proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report is showing in error that the XXXX Credit Card payment was 30 days late and is past due {$150.00}. This is not true. It states a payment was made XX/XX/XXXX. This is not the correct date. Also, the account is not past due. There is also an incorrect balance being reported.
Product: Checking or savings account

I was scam on cash app with a payment i made XXXX XXXXXXXX {$10.00} i reported this to cash app for scam against this person. And i paid him and he never gave what he promised I contact cashapp support and they denied to provide me a refund for this payment or to filled a dispute
Product: Money transfer, virtual currency, or money service

I attempted to pay my rent at XXXX through XXXX on the XXXX. XXXX somehow messed up my payment and sent it through CheckFreePay also known as Fiserv, so it was sent to the wrong biller. XXXX and myself, upon realizing the mistake, both contacted CheckFreePay to request a refund on the XXXX. CheckFreePay said they couldn't do anything until XXXX, who are the biller approve and send the refund. I contacted XXXX to get this process started and XXXX approved and processed the refund to CheckFreePay on the XXXX. Now CheckFreePay is telling me that they can't process the refund until they recieve the money from XXXX, but XXXX has already processed the refund and it says in there system it has been successfully sent. XXXX has even called CheckFreePay on my behalf to confirm this information. CheckFreePay isn't giving me a timeline or anything for the refund and keeps telling me XXXX hasn't approved it, even though it's been documented several times that XXXX has approved the refund. XXXX can't process the refund either until CheckFreePay approves it. Essentially my money is sitting in limbo somewhere with CheckFreePay and they aren't doing anything to help me at this point, they keep making escalation tickets and telling me they'll call me back but never do.
Product: Checking or savings account

On the morning of XXXX XXXX, 2021 I received a text message from the XXXX XXXX in XXXX XXXX, NJ saying that an order was ready for pickup. This was confusing since I did not place an order and do not live close to XXXX XXXX. I checked my XXXX account and saw that there was no order listed. However, when I checked my bank account there was a debit from XXXX for the amount of {$1400.00} posted on XXXX XXXX, 2021. Again, I did not place an order nor did I authorize anyone to use my name or debit card to place an order. My debit card was deactivated by the bank and a representative from XXXX informed me that a XXXX XXXX was picked up at the XXXX XXXX XXXX XXXX using my debit card number. I filed a police report, filed an incident report with identitytheft.org and placed a credit alert with the 3 major credit bureaus. 

I received a letter from Bank of America XXXX XXXX XXXX, 2021 denying my claim. They claimed the charge was authorized by me or by someone who has permission to use the card or account. This is patently false and fraudulent on the part of Bank of America.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Experian have been requested to add my statement to my credit file. I would like this statement added to my credit report on my sent to every company who has viewed my credit file since XXXX. Statement '' I have requested XXXX XXXX send to my address a copy of the original signature when this debt was established. XXXX is inaccurate with reporting the 1st date of of being late in XXXX. CFPB published that XXXX was found guilty of thhe same concerns I have. CFPB reportedWhen XXXX XXXX purchased debt, it estimated the statute of limitations that governed the debt, and in some cases that date was later than the actual statute of limitations ''
Product: Credit reporting or other personal consumer reports

In reviewing the attached credit bureau report issued by your agency, I have discovered an error mistake. The following accounts are reported inaccurately XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$9300.00}.
Product: Debt collection

VANCE AND HUFFMAN LLC ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Mortgage

Selene Finance LP is the service company for FHA mortgage originally produced by XXXX XXXX XXXX XXXX XXXX  XXXX. I am the third party purchaser, assigned by a court order on XX/XX/2018 in XXXX County Florida. 
After properly service Selene Finance with proper court order, deed and original loan documents, I have made several calls in order to obtain payoff amount and to make a payment. I understand this property is in default, but as a third party purchaser ( and a finance company on its on ) we had nothing to do with the default on the loan and now trying to correct it. Selene Financial keeps ignoring the documents provided to them and will not give any information regarding this mortgage or allow us to make a payment towards the account. Their claim that they did not received the documents is false and can be easily proven. Selene Finance is not motivated to assist in resolving this mortgage for obvious reasons, the property was sold right under them while they still has interest in it. However, there is no reason why now, they could not provide the proper information is outlined by federal law. I have advised the agent at Selene Financial on every phone call that " This call is on a recorded line '' they acknowledged that the call may be recorded and yet kept providing extremely hostile response.
Product: Student loan

My student loan servicer Nelnet has continued to Stonewall me and refuses to work with me when I call and ask them to lower the amount of capitalized interest on my account and does not tell me the amount of capitalized interest it would have been if and why they did not put me on a income based repayment plan the whole time. They have taken advantage of me including after I called when I accidently defaulted as I was still XXXX XXXX XXXX from a XXXX XXXX XXXX that almost resulted in XXXX. Instead they steered me astray and capitalized my interest 7 times in that same year, this information I retained from the national student loan database. They have capitalized my interest 17 times  on one of my unsubsidised consolidated direct loans. This in less than 7 years?? It is not right to do this. When I call they never send me paperwork or email documents that supports my question on how much would have the difference been if I was on the i.b.r. even the most recent time I sent my recertification paperwork for my loans for my i.b.r. payment plan a month early and called them to insure I would not have my loan status changed and they told me it would not. When I called again and talked to a supervisor I was informed they indeed " did not receive my documents on time '' and they once again manged to change my loan status on XX/XX/XXXXand changed it the next day on XX/XX/XXXX once again capitalized more interest. It 's criminal what they are doing to people and I have filed a complaint with the federal student aid ombudsman and the federal student aid feedback center but am awaiting results from the federal student aid feedback center before the ombudsman can move forward. I feel taken advantage of when I call these people and tell them I 'm homeless, have no job, am struggling fininacially or have serious medical issues and they failed to make my life easier, but instead train their employees to shaft customers instead of putting me on a i.b.r.. why  do they continue to make billions of dollars capitalizing as much interest as they can from struggling American citizens. I know that I 'm not the only one getting g taken advantage of and somebody needs to let these crooks know this is not okay. My case number for the federal student aid ombudsman is XXXX and my case number for the federal student aid feedback center is XXXX. Feel free to contact them as you have my permission. Please help me I 'm buried in debt and do not want to be financially XXXX by a shady company such as Nelnet.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below is no longer active and should have been removed from credit report. 

XXXX XXXX Last reported XXXX XXXX, 2020 {$32000.00} Reported balance
Product: Debt collection

I am filing a formal complaint against Jefferson Capital Systems for their unfair and deceptive debt collection practices. They are attempting to collect a debt of {$4100.00} that they claim I owe to XXXX. However, I have never done business with XXXX and have no knowledge of this alleged debt. 

To verify the legitimacy of this claim, I sent multiple certified letters to Jefferson Capital Systems requesting : 1- Documentation proving they are authorized to collect this debt on behalf of XXXX. 
2- A signed agreement that allegedly obligates me to pay this debt. 
3- A complete payment history validating the accuracy of the amount they claim I owe. 

Despite receiving my letters ( as evidenced by the attached USPS tracking numbers confirming delivery ), Jefferson Capital Systems has failed to provide any of the requested documentation. Instead, they continue to harass me with repeated collection attempts in what appears to be a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

It is evident that Jefferson Capital Systems purchased this debt for pennies on the dollar and is now attempting to collect without proper verification. Their refusal to validate the debt while continuing collection attempts constitutes deceptive and unlawful behavior. 

I request that the CFPB investigate Jefferson Capital Systems actions and hold them accountable for violating consumer protection laws. Additionally, I ask that they cease all collection attempts and remove any related reporting from my credit file if applicable.
Product: Money transfer, virtual currency, or money service

Good day, I am so unpleased with what happened with my XXXX account unfortunately, my XXXX account that I have been using since last XXXX has been closed. The company that I work for only pays through XXXX now. I am unable to receive payments from my employer. I Contacted XXXX regarding the closure of my account and they're unable to tell me why my account had been deactivated because there's no valid reason why it should be closed however, I am unable to retrieve the funds in my XXXX account. I have to file an appeal for no reason why are they holding on to my funds they're aware that I have been receiving my pay from my employer since last year and if they want any confirmation from my employer they won't hesitate to disclose any information. My main goal right now is to have my funds transferred to me and I also need my account to be reactivated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTE THIS ON XXXX XXXX. XXXX AND I WAS INFORM BY A LETTER FROM GRANITE STATE MANAGEMENT THAT THE ERROR ON THERE PART HAS BEEN FIXED AND THE ITEM IS NOW SHOWING BACK UP ON MY XXXX AND XXXX CREDIT REPORT. IT NOW 11 MONTH LATER AND THE ITEM THAT I HAVE DISPUTE WHICH SHOULD OF NEVER BEEN TAKEN OFF OF MY CREDIT REPORT IS NOT SHOWING UP AT ALL. A LITTLE BACKGROUND ON THE DISPUTE I HAD BACK IN XXXX OF XXXX. ON MY XXXX CREDIT REPORT IT WAS SHOWING A WRONG DATE OF LAST DATE OF ACTIVITY ON THE ACCOUNT. I WENT AHEAD AND DISPUTE THIS WRONG DATE WITH XXXX AND IN THE PROCESS OF DISPUTING THIS THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT AND A COUPLE OF DAYS LATER IT WAS DELETE OFF OF MY OTHER CREDIT REPORTS. I CALLED GRANITE STATE MANAGEMENT ABOUT THIS ERROR AND THEY SENT ME MY PAYMENT HISTORY ON THIS ACCOUNT WHICH SHOWED THE DATE OF LAST ACTIVITY WAS XXXX OF XXXX BUT ON MY XXXX  CREDIT REPORT IT SHOWED A DATE OF XXXX OF XXXX. I SPOKE WITH SEVERAL REPRESENTIVE ON THE PHONE FROM GRANITE STATE MANAGEMENT REGARDING THIS ISSUE. THIS ACCOUNT WAS A CLOSED ACCOUNT AND IT WAS TRANSFER TO XXXX XXXX XXXX AT THE TIME IT WAS TRANSFER THE ACCOUNT WAS CURRENT AND IT HAD NO LATE PAYMENTS AT THE TIME IT WAS TRANSFER. SECOND LIKE I SAID EARLIER IT WAS A CLOSED ACCOUNT IN GOOD STANDING AND ACCORDING TO THE CREDIT BUREAU IT STATES ANY ACCOUNT CLOSED AS PAY AS AGREE REMAIN ON ONE CREDIT REPORT FOR 10 YEARS. THIS ACCOUNT WAS CLOSED IN XXXX OF XXXX AND THIS ACCOUNT IS NOT DUE TO COME OFF UNTIL XXXX. WHEN THIS ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT IT LOWER MY CREDIT SCORE AND JUST I SAID EARLIER THE ACCOUNT WAS IN GOOD STANDING. ANY LATE PAAYMENTS ON THE ACCOUNT GET REMOVED AFTER 7 YEARS OF THE DATE IT BECOMES LATE IF THE ACCOUNT IS CURRENT. IF THE ACCOUNT WAS NEVER CURRENT AT THE TIME IT WAS CLOSED OR TRANSFER THEN IT WOULD FIT THE 7 YEARS DEQUENCY BUT IN THIS CASES IT DOESNT FIT THAT. ACCORDING TO GRANITE STATE MANAGEMENT IN THERE ANSWER THAT THEY GAVE ON XXXX XXXX XXXX THEY STATE AS FOLLOW AS A RESULT OF THIS DISPUTE THE PROCESSOR INCORRECTLY INDENTIFIED THIS ACCOUNT AS HAVING AGED BEYOND THE REQUIRED REPORTING PARAMETERS AND SUBSEQUENTLY DELETED THE TRADELINE. THE ERROR WAS DISCOVERED AND A MANUEL UPDATE WAS PROCESSED FOR HIS TRADELINE TO REAPPEAR ON HIS CREDIT REPORT, AS TO THIS DATE AND TO THE CURRENT DATE AND YEAR NOTHING HAS REAPPEAR ON MY EQUIFAX OR MY EXPERIAN CREDIT REPORT. THE TRADELINE OF MY XXXX XXXX CREDIT REPORT WAS UPDATE CORRECTLY BUT I AM STILL WAITING FOR THE ITEM TO REAPPEAR ON MY XXXX AND MY XXXX CREDIT REPORT. I ALSO RECEIVED A LETTER FROM THEM THAT STAE THE ITEM HAS BEEN REINSERTED BACK ON MY CREDIT REPORT BUT SADLY IT HAS NOT
Product: Debt collection

I have repeatedly disputed this debt. My wallet was stolen with my cards in it. I asked XXXX  XXXX to cancel the card and send a new card. The company didn't cancel or lock my card, they also didn't send a replacement. I have let them know several times this debt is not mine, yet they continue with calls and reporting to all three of the credit bureaus. This happend at the XXXX campus I don't have the police report anymore or the contact at the school. This happened in 2018.
Product: Credit card

I tried to donate to my church as I have been doing for the past XXXX years on this same account. I have been told several times time that XXXX not allowed to donate to my church because I am XXXX of the XXXX. I mentioned that its my religious right to give or donate to whoever I want to. They reduced my credit limit on all my corporate cards XXXX of them even though they dont donate to the church. This has happened XXXX times. I pay my bills every month in full and my income is higher every year. This has caused my problems with large purchases and has affected my XXXX XXXX. These companies are not associated with my personal card. Amex has acted criminally in messing with my XXXX XXXX as well as discriminating against me for my religious beliefs
Product: Credit card

This matter stems from two fraudulent charges to my XXXX XXXX XXXX account on XX/XX/year> one in the amount of $ XXXXand the other in the amount of {$190.00}. Additionally, XXXX XXXX charged both interest and late fees on these fraudulent charges. On the XXXX, 2022 statement, they reverse most of the charges except for interest and another late fee that were erroneously left on the account that should have been removed with the rest of the fraud charges. Subsequently, they continued to add interest and late fees on these fees that all stem from fraud. I notified them several times but they refused to remove these charges which were absolutely not mine. They then sent the account to Midland collection. Midland will not remove the charges either. Absolutely none of the charges were mine and they knew that hence why they reversed the core charges in XXXX XXXX and it shows due to fraud on the statement. Prior to the fraudlent charges on XX/XX/year> the account had a XXXX balance. XXXX allowed the theft to occur and knew it. XXXXXXXX XXXX needs to be investigated for fraud and other issues stemming from charging interest and late fees on fraud charges. 

I am going to seek out an attorney.
Product: Student loan

On XX/XX/2019 I made a significant payment XXXX USD on my consolidated student federal loans with Navient using the custom payment option in order to pay one of my loans off. After reviewing the posted payment I noticed the payment was split between the 2 separate loans with each having an interest of 6.875 %. I made the payment in plans to cut my student loan owed amount in almost half with only 1 loan at 6.875 %. After reviewing the posted amount I called Navient on XXXX XXXX 2019 to correct the transaction and it was explained I should see the correction with 24 to 48 hr the timeframe given has passed I reviewed the posted payment again an no change so I called back Navient on XX/XX/2019 to correct the transaction again and I am now being inform that if Navient fixes the payment to reflect the 1 loan  payed off it will bring my other loan to a XXXX USD delinquent balance and customer service is unable to complete the transaction. So now instead of me having to pay back 1 loan at 6.875 % I am still expected to pay for 2 loans at a total of 13.75 %. To me it appears that Navient doesn't want me to pay off 1 loan because they will loose the extra 6.875 % interest.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

This complaint is being submitted on behalf of XXXX XXXX. 

My client, XXXX XXXX, passed away, intestate in XXXX. She had a reverse mortgage on the home. Her brother XXXX XXXX has been in probate court over the past few months to become her personal representative to settle her estate. XXXX XXXX, XXXX  and XXXX XXXX XXXX have all been informed of the probate court case. XXXX XXXX received approval to settle his sister 's estate on XX/XX/2022. I listed the home for sale on the market on XX/XX/2022. The trustee and lender were informed of these items as well and they still foreclosed on the home on XX/XX/2022. This foreclosure has transferred a significant amount of the family 's inheritance to the real estate investor who purchased the home at the sale.
Product: Credit reporting or other personal consumer reports

I do not consent to XXXX verification and I have a right to privacy and these credit agencies are violating my right as a federally protected consumer.
Product: Credit card or prepaid card

Dear Cfpb team, My apologies for just back to the bank institution and your department today. This complaint is in regards to a previously closed case XXXX. I found out today the envelope from Wells Fargo Tracking number : XXXX Case Number : XXXX with a mediation request form and the credit card statements one of the envelopes one was received on XX/XX/2020, and for the second one I lost the envelope. The case status is closed and monetary resolve for {$250.00}. I didn't submit the mediation request form and I didn't receive a call in regards to this case accepting the {$250.00} amount my resolution amount was {$450.00}. 

Please let me know when and where this money was deposited or check mailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am a federally protected consumer. I initially communicated with Experian Information Services in XX/XX/2022 via certified mail USPS in regards to entries appearing on my consumer credit report. Experian sent me an alert via the online app stating that my documents were being processed as a dispute. On XX/XX/2022 I received an additional alert stating that information was being updated. On XX/XX/2022 I mailed Experian a letter stating that I was requesting a complete investigation. I have enclosed letter that was mailed. Experian has continued to violate my rights, breach my privacy and identity.