23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Sir, Madame, My Lender/ Servicer denied my request for help in any form of Loss Mitigation due to financial hardship caused by unemployment on two different occasions, the first one was last XXXX XXXX, XXXX when my application to KEEP YOUR HOME CALIFORNIA was denied because my servicer, PLAZA HOME MORTGAGE has not approved my loan for participation in KYHC Program. The second denial was XXXX XXXX, XXXX due to reduced income and not able to pay 12 monthly since XXXX XXXX, XXXX. I missed payments because I have to pay the REAL ESTATE LAW CENTER which I hired last XXXX XXXX, to negotiates better than I did for more than 5 months. Unfortunately, I listened from their advice to stop communicating with my servicer and stop paying my mortgage since they are doing the negotiations and I can not afford to pay the Law Firm and my mortgage at the same time. On XXXX XXXX, XXXX around XXXX I received a call from Loss Mitigation Department, the representative ( named XXXX ) asked me why I did not submit or communicate with them. I told them that I have a lawyer that should be communicating and submitting all the supporting documentations that I am supplying to my lawyer since I started hiring and paying their services. I feel devastated after I found out what really going on between my servicer and my lawyer that I paid {$4000.00} and as of this time is asking for $ XXXX monthly payment after I paid them already of {$4000.00} without positive outcome and also I have to pay filling fee for the case that we need to file to the court. At this time, My complaints are for my servicer for the delaying tactics they implement to my loan that almost ruins my 29 years of marriage life and caused XXXX and for the Law Firm I hired for unacceptable and poor services. Also, I wish to get back my {$4000.00} that I pay, in which half of the amount are from the Title of my car that I collateral to get cash quickly with an interest of 108 %. Because I received a letter from Law Firm stating that, they will close my case and not getting any refunds If I did not complete the {$4000.00} in spite of letting them know and sent them explanation letter that my 3rd months {$1000.00} monthly installments will be late. I have some evidence to support my complaints. 
I am a Veteran and I was trying to keep our home for more than 8 years, I just want my lender/servicer to give us a try- out period for loan modification and If I failed, I will not appeal and I will agree to the decisions of my lender whether its benefits me or not. 

Thank you.
Product: Credit reporting or other personal consumer reports

I have never had this information and this is inaccurate unless proof and validation, delete immediately as I have took further matters and a class action may soon to come. FCRA prohibits inaccurate Information and must verify through Myself, nor LexisNeix, XXXX, XXXX. My information will be erased and all data containing me.
Product: Debt collection

In XX/XX/XXXX I moved to XXXX for a XXXX XXXX after college. This was a big change and didn't have a physician, doctor or anything. So in XX/XX/XXXX I went to an XXXX XXXX in XXXX. The documents attached will give you all of the information. I went to the XXXX XXXX to find a new doctor and more information because I was trying to set up my life and all of that. Well I went to the XXXX XXXX in XX/XX/XXXX, and after two hours saw the doctor and she handed me a script and left. I decided to never go back there because it was very dirty and these places aren't too pleasant. Initially, I rarely remembered seeing the doctor. THEN TWO YEARS later I receive a medical debt collection. First I didn't remember this because I went to a new doctor right afterwards. After remembering, I was like is these even fair? I never received any bills or anything. Even when I moved all my mail was forwarded to me. I never had this problem. So instead of contacting me over the two years, they sent my bill right to debt collections. Is that legal? XXXX XXXX had my phone number and email. Then I never received anything in the mail. They never contacted me. Everyone I went to and XXXX XXXX I paid before my visit. But after two years I couldn't even remember.
Product: Credit card or prepaid card

Bank of America recently closed my credit card accounts on XX/XX/XXXX, would not refund my annual fee, explain the reason for the closure and they confiscated my accumulated rewards. 

The reason I was given was " irregular authorized user activity '' however they failed to tell me what that exactly was. This baffled me as I haven't added an authorized user since XXXX, I had only added three in the 12 months ( XXXX, XXXX and XXXX ) all of these users were added by me and work with my small business and there are no instances of fraud or irregular account usage. They said no reconsideration no ability to explain despite my legitimate business/corporation. 

This does not make sense as I have $ XXXX in investment assets with them, a checking account, three personal credit cards that they closed ( $ XXXX limit opened in XXXX of this year, $ XXXX limit opened in XXXX of XXXX, and $ XXXX opened in XXXX ) and a business card. I always pay in full every month. 


My credit score is around XXXX now ( refinancing so it's been higher before ) and in any other way I'd appear an ideal client ( high income etc )
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA Savings Bank account No. XXXX out of XXXX XXXX, Tx submitted a delinquent account on my behalf, XX/XX/XXXX. I did not apply for credit with USAA bank and they list an address of XXXX XXXX XXXX XXXX, XXXX, FlaXXXX. I have NEVER lived in XXXX. This account is not MINE. 
I wrote a letter to XXXX, disputing the report. I sent them copies of my bills at my present address, which I have lived at since XXXX, and proof of my previous address for 27 years prior to that. I sent a copy of my Ms. drivers license, copies of my cable bill, copies of the security system, copies of my power bills, etc, proving that I live at XXXX XXXX XXXX XXXX, XXXX, Ms . 
I mailed all of this on XX/XX/XXXX, signature required. I received XXXX 's reply today XX/XX/XXXX, stating it would remain on my credit report. 
Can you help me. 
Thank you
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX : {$560.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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

Equifax did not properly secure my information which was impacted in a major security breech.
Product: Checking or savings account

On XX/XX/year> I rented a vehicle with my debit card at XXXX XXXX XXXX and returned it on XX/XX/year>. I received notification on XX/XX/year> from my bank of a charge of {$6800.00} from XXXX. I called their customer service and notified them of their error and they told me a refund would be issued in 3-5 business days. This time has come and passed and I still have not received my refund. This has caused my account to be overdrawn and sent me into financial despair. This has been a horrible experience and is worsening by the day. I have also started a dispute with my bank.
Product: Credit card

This is a target loan, meaning it was tailored by the lender for me, accessible by a access code included and mailed to my address. The company refused a credit card on the basis that they couldn't determine my income but the loan was a collateral dependent loan as advertised that's why i applied. Consumers have various options to chose from, depending on their situation, i had recently gotten out of work and needed to get bailed out as i fix my work situation and the card as advertised was primarily asset based such as car, home and other property, which information i provided and satisfied that requirement. Also as i monitored the application it was prematurely removed and not allowed the lenders own contract of loan application duration which i believe was between 45 to 90days.

May i just disclose that will be resubmitting a complaint as false advertisement or consumer misleading material because the loan contract and captivating perks should be honored to the letter by the participating lender ( s ).
Product: Checking or savings account

I opened a new high yield saving account on XX/XX/XXXX with XXXX, part of the Key bank. I transferred some money. The fund has been being locked and under review. I am not able to log in the website. I tried over 20 times to log in and it always says system error. In the past 38 days, I called XXXX customer service 3 times and it is still not resolved. 

I got a letter from KeyBank on XX/XX/XXXX stating my account could be a fraud. That's rude.. What makes you think it's a fraud? The frustration of opening account and irresponsiveness of review process make me think this bank is a fraud. 

I called KeyBank customer service but they asked me to call XXXX.. OK then why did I receive a letter that says to contact XXXX This bank, in my experience, fails their cirtical operations with customers.
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is EXPERIANs to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payment for the XXXX XXXX XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/year>. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$1000.00}
Product: Checking or savings account

I discovered that there was a HARD Inquiry from Citibank and I never authorized or approved of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a lot of inaccurate information on my credit report a few months ago, so I created have been sending the three credit bureaus to dispute letters explaining to them that I was part of the Equifax data breach, and I have a lot of fraudulent information accounts on my credit report. XXXX, Equifax, and XXXX have been causing me much trouble and I HAVEN'T RECEIVED A RESPONSE on why they are reporting the fraudulent accounts. Can I please get help with this issue? I sent another letter to them on XX/XX/2021and they have ignored it completely. I know they got the dispute because I sent it certified. This has been causing me so much XXXX  and headaches, I have tried everything to get them to remove these accounts and I need your help. I want these accounts removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion to please take several addresses off off my report and they still are not being compliant. I also have disputed inquiries that are to fall off as of this month and they are not being compliant on that either. I am trying to apply for a home and auto interest rate reduction and this is affecting my score bad.
Product: Debt collection

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692-1692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX Credit Card, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered to be a breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

While I do not desire or anticipate that your negligence may force me to pursue further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in the demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.
Product: Debt collection

On XXXX XXXX, 2016, I was sued by Midland Funding LLC on a debt claim I do not recognize. I have requested the original documents which, pursuant to ADMINISTRATIVE PROCEEDING File No. XXXX CONSENT ORDER, they were required to have before filing the lawsuit, They have failed and refused to provide the documents on representations that they do not have the documents. Their filing of the lawsuit without having the documents is a direct and flagrant violation of the ADMINISTRATIVE PROCEEDING File No. XXXX CONSENT ORDER.
Product: Student loan

My student loan balance increase each year after being deferred or on forbrance. My payments were high on my loans. I was told to put my loans on forbrance for and apply for a low income payment. My loans were suppose to be at XXXX XXXX but because of the interest my balance is XXXX XXXX. I do not know if you all can help. I did see in the night news that XXXX / XXXX did not inform students with the interest rate going up so high. I was XXXX of those students. I have not be able to purschase a home because my student loan debt has me drowning in debt.
Product: Credit reporting or other personal consumer reports

I signed up for school at XXXX XXXX and decided I no longer wanted to go there. I never enrolled in any classes. yes I applied for fasfa but I never applied for a student loan. I called them and they said I was enrolled in classes thats why they gave me a loan. in order for me to have a loan. I had to personally sign off on it which I did not. They also still keep enrolling me in classes and refuse to remove my loan. This is fraud and i am now reporting it if this is not removed from my credit in a timely matter. They are not authorized BY LAW to open any accounts on behalf in any way. I did not give my consent or signature. I did not receive any money from this loan. next steps will be to take this court.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that WILLRUSH would verify the debt. So I took it upon myself to ask WILLRUSH for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting or other personal consumer reports

The Transunion Inquiries from XXXX XXXX XXXXXXXX are supposed to be removed, they are inaccurate due to the false communicate of their Banker XXXX XXXX, whom constantly product incorrect product information that myself and business were eligible to apply to and I was not eligible to apply to either one of them.
Product: Money transfer, virtual currency, or money service

i have an account at PayPal NAME- XXXX XXXX . Email id- XXXX. 

my only mistake was I was a new user of paypal and was not familiar with terms and conditions, I missed to give my some id cards when they have sent A Email. 
I received my first order on etsy on XXXX XXXX of three painting and i have updated the Tracking detail on Paypal, but after that they locked my account permanently, and freeze my fund {$180.00} for 180 days. 
I sent many emails and requested them I am ready to give whatever ID they need from me, it was just that I didn't know about this before. but they are not helping me or not giving my money, they said that At PayPal, we value a safe community for our customers to do business. We noticed activity in your account that's inconsistent with our User Agreement and therefore can no longer offer you PayPal services. 

when my client is so happy with my painting, attaching her feedback with this complain, why they are holding my payment. i am a poor XXXX spent money on painting, sending couriers, paid fees of XXXX but now I AM IN BIG TROUBLE NOW, this is first time when i sold my painting in international market and this unfortunate thing happened with me, i beg for your help. please please please help to get my money back asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding will not provide full debt validation in writing when I have repeatedly asked for it. 
They claim that I owe them XXXX after purchasing this old debt from XXXX XXXX  XXXX XXXX XXXX. 
I have gotten nothing but hung up on when calling this collector. 
XXXX  will not fully investigate this matter. Perhaps my choice of verbiage when filing my dispute was considered inferior, because I filed a 2nd dispute online today and as soon as I hit send, I received an immediate message from them informing me that I could not dispute this item again, as a recent dispute was just closed. 
This is indeed maddening. 
I am not being given full proof or validation to substantiate the decision backing the validity of this debt. 
LVNV reports that the last 4 numbers of the account end in XXXX, and that the status of the account is closed. 
The most recent negative report date by them being today, XX/XX/2020. 
Also XXXX  XXXX  / XXXX XXXX XXXX, and Resurgent Capital are reporting on this same account as well. 
I did not think an account could be double or triple reported whether the account was accurate or not. 
XXXX  XXXX  XXXX XXXX XXXX has sold this account to LVNV some time ago. 
I have no account number from when it was owned by XXXX XXXX  / XXXX XXXX XXXX. 
Also an interesting thing to note about this account, is that it has no data available. No payment history whatsoever. 
Yet XXXX  XXXX  XXXX XXXX, Resurgent Capital, or LVNV insist it is my account, and it is being reported that it is a collection account at all three credit reporting bureaus by one combination or another of the aforementioned companies.