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

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX and sent the same information to XXXX, Equifax and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX  is still reporting this fraudulent information to my XXXX, Equifax, and XXXX Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Product: Student loan

I would like you to look into the fact that part of my consolidated loans ( there were direct federal loans consolidated into this private student loan consolidation account ) with FirstMark Services are denying to give me a school misconduct discharge application. I asked for the school misconduct application, shared with them that I have BD approval and am part of the post-class applicants for the XXXX XXXX XXXX lawsuit, and my request to receive the application was denied. I went to XXXX XXXX XXXX XXXX XXXX XXXX from XXXX, and filed in time for the post-class action lawsuit, which means I am qualified for a full refund of Direct Federal loan payments made to date, and discharge of the remaining balance. They are currently only allowing me to go into forbearance for 2 months, then I will have to wait 12 months before requesting forbearance again.
Product: Credit card or prepaid card

I was interested in applying for the Chase XXXX rewards credit card. I saw in the website that there was a {$95.00} dollar annual fee. Before I applied for the Credit card i reached out to Chase via @ CHASESUPPORT on XXXX  my handle is XXXX XXXXl and asked if the annual fee would be charged upfront when applying for the credit card. They stated that annual fees are charged on the anniversary date. I now noticed the fee was charged upfront and reached out to Chase again. They have stated that they did not make a mistake even though their is a clear communication record indicating they indeed made a mistake.
Product: Debt collection

I am writing to express my extreme frustration and anger about the account on my credit report that shows late dates and a negative status. This account belongs to XXXX  XXXX XXXX Date Opened XX/XX/2017 Balance XXXX}. Let me clarify that this was an error on the database of the bank. I have never been late and always paid on time. Therefore, I demand that the bureau removes the late dates and updates the negative status of this account to a positive one. I already submitted a dispute to XXXX regarding this issue, and they have addressed it accordingly. They have removed the late dates and updated the negative status of this account to a positive one. I was the victim of this error, and I'm not sure why the credit reporting agency is not complying with the law. The other bureaus have followed suit. I'm very confused why this one seems to ignore my requests. Your fast attention to this matter is not only crucial, but it is also your legal obligation. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

My credit report is showing the account is closed but a current balance of {$2400.00} is showing. It says balance was reported most recently on XX/XX/XXXX. It shows Im using 123 % credit. And this account has been closed for years and I paid the collection company off over a year ago as well. I tried disputing as it is effecting my credit utilization on my credit report. The company responded telling me its not showing a current balance its showing the highest credit utilization on the account. This is not true and not how it is showing up on my account. I have XXXX other XXXX credit cards with the same issue. Closed years ago and collections paid off but still showing up with over 100 % utilization and is effecting my credit utilization for my final score. All these accounts have {$0.00} owed but are being reported incorrectly and have negatively impacted my credit leaving me homeless for the last XXXX months. I have screenshots of my credit report that will prove all XXXX accounts with XXXX are showing a current balance and credit utilization over 100 % making my credit score low. I tried calling XXXX they told me they are not reporting a balance but this is not true. They are. I have proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a terrible divorce, lost my home, had to file bankruptcy. XXXX was in that bankruptcy and was discharged. On XX/XX/2020, Source Receivables Management put this debt on my XXXX  Credit Report. I believe they are a third party debt collector. As a result they brought my credit score way down. They also call my phone all the time. I no longer answer them. Help!
Product: Student loan

The late payments in question violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a and 15 U.S. Code 1681b, which mandate accurate reporting of credit information and disclosure of permissible purposes for accessing credit reports. Additionally, the creditor 's actions may be in violation of 15 U.S. Code 1666b, which prohibits creditors from treating credit card payments as late under certain circumstances.

Despite my attempts to rectify the situation directly with the creditor, the late payments remain on my credit report, causing undue financial harm and impeding my ability to access credit on fair terms. I am reporting this because I want to ensure compliance with federal regulations governing credit reporting and lending practices. 

1. DEPT OF ED/XXXX XXXX  XXXX XXXX. DOE XXXX XXXX XXXXXXXX XXXX. DOE XXXX - XXXX XXXX. DOE XXXX - XXXX XXXX. DOE XXXX - XXXX XXXX. DOE XXXX - XXXX XXXX. DOE XXXX - XXXX XXXX. DOE XXXX - XXXX XXXX. DOE XXXX - XXXX XXXX. DOE XXXX - XXXX XXXX. DOE XXXX - XXXX XXXX. DOE XXXX - XXXX XXXX. DOE XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act XXXX Acts Us XXXX XXXX # XXXX XXXX XXXX XXXX Have violated my rights 15 U.S.C 1681 section 602 A. States that 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. 
XXXX XXXX written off act # XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX $ XXXX XXXX XXXXXX/XX/XXXX XXXX $ U.S Department of Education XX/XX/XXXX XXXX $ U.S Department of Education XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX $ XXXX hard inquiry XXXXXXXX XXXX  hard inquiries Soft inquiries XXXX Experian???? 
Experian all over soft inquiries Clarity theres a ton XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  I dont live there No credit accounts
Product: Debt collection

I received an alert from my credit monitoring service advising of a negative item. My credit score is usually around XXXX so i take it very seriously. Surprised, i disputed the item with the only credit bureau company reporting it, XXXX on XXXX advising it is not me. They responded on XXXX advising the item would remain. I have never done business nor received bill nor have any knowledge of the original creditor showing or the collection company reporting it, Credit Management Co, XXXX XXXX XXXX, XXXX PA XXXX, XXXX. I called Credit Management Co on XXXX and spoke with XXXX at extension XXXX, who verified the account doesnt belong to me based on my SSN and DOB. In fact she asked if i had a son born on XXXX, but i pointed out my dob is XXXX so that is not possible. She verified the last XXXX of the XXXX reporting were XXXX and the DOB didnt match. I also pointed out the original creditor appears to be some XXXX system that is in an area about XXXX hours away from where i live. She said she would add a comment to the account so that they could let the credit bureau know the account does not belong to me and should not be on my credit report. I called XXXX that same day to advise of all this, and gave XXXX @ their special Service department all the details of my conversation with Credit Management Co, including the extension of the person i spoke with and the last XXXX of the SSN they verified the debt was against, which does not match mine. XXXX re-opened the dispute on XXXX. XXXX said that the first time they sent the dispute to Credit Management Co, that company simply responded advising the account did belong to me. I was confident this was going to be resolved since i took the initiative to do their job for them to verify the account doesnt belong to me. Today however, XXXX, XXXX advised me the item would remain. How is this possible? Why is Credit Management Co damaging my otherwise PERFECT credit by reporting something that they already verified doesnt belong to me? They are not doing their job. Please help get this resolved
Product: Money transfer, virtual currency, or money service

I was looking on XXXX to find my wife a XXXX. I found one for a really good deal and contacted the seller. The seller asked for my number as texting worked best for her. I asked questions about the product and she gave answers. Everything checked out and she was a very nice seemingly trustworthy women. She even created the shipping label and sent me the tracking info before I paid as I expressed that I was worried about it being a scam. I then trusted her enough to send the money via a Chime bank transfer. The seller and I stayed in contact for the next 2 days until she quit responding to me and disconnected the XXXX XXXX number she was using. She had told me that she drop the package off at XXXX on wednesday night but two days passed and the tracking still said they hadn't received the package. It is clear to me now that I have been scammed. I contacted chime to reverse the transfer but because it was bank to bank and it was instant, they could not help me. 

Dates : money transfer took place on Wednesday, XX/XX/XXXX. 
Shipping label was created on Wednesday, XX/XX/XXXX. 
Dispute was filed on Friday, XX/XX/XXXX.
Product: Mortgage

Lakeview Loan Servicing is the loan servicer for the mortgage on my primary home in DC. Lakeview is also responsible for collecting escrow to pay my property taxes and insurance. I pay my mortgage and escrow in a timely manner each month. 

My most recent property tax payment was due in DC in XX/XX/XXXX. Lakeview claims to have made a payment for my property taxes last XXXX, but either DC never received it or the payment was never actually made. Now, DC is charging penalties and interest on this tax payment from last XXXX. 

I realized that this payment was not made in XX/XX/XXXX while trying to refinance this mortgage. My refinance loan was " clear to close '' but came across this issue at the last step before closing. I first contacted DC 's property tax office to see why I was being charged penalties and interest for a payment I thought had been made. DC told me that they never received the XX/XX/XXXX payment and the issue needed to be resolved by Lakeview.

I then immediately contacted Lakeview. Since learning of this issue, I have called Lakeview numerous times, spoken to many customer service representatives and supervisors, and nobody has resolved this issue or told me what actually happened with this payment. I have implored on everyone that I speak with the urgency of this issue and the damages it is causing me : primarily that ( a ) I am being assessed penalties and interest on a payment that Lakeview was responsible for ; ( b ) I am unable to close on my refinance, costing me additional daily interest ; and ( c ) making me unable to take this property tax payment on my XXXX federal income taxes, costing me additional income taxes. 

I have grown exhausted and disgruntled with Lakeview 's inability to resolve this property tax payment. They have caused me significant stress, wasted my time sitting on the phone while not giving me answers, and are costing me money by making me unable to refinance this loan.
Product: Money transfer, virtual currency, or money service

My PayPal account was suddenly and permanently restricted without any valid reason and the funds in my account have been frozen for 180 days. 

I tried asking the PayPal customer service team for help but they said they couldn't help me recover my account. Just tell you whether it is a risk account or it can not be lifted, so it is a big disaster for our normal sellers. I have been using this account for some time and always work in good faith and comply with all policies and user agreements stated and in my Agree when registering an account. 

I have taken every step to minimize the risk associated with my account, but PayPal has still permanently restricted my account and says there are potential risks associated with it. 
I would request any information as to why PayPal feels they must restrict this account. There is no reason to permanently close my account as I believe I did nothing wrong to cause the account to be closed. Therefore, I am asking PayPal to re-investigate the issue and help resolve it. I'm willing to provide any information needed to investigate and help recover the account. I am willing to work with PayPal to minimize perceived risk. I'm asking you to help me recover my account. 

PayPal merchant number XXXX Reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collector participated in abusive and unfair practices of the FDCPA. They listed this account ( Fair Collections & Out ) that we did not agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in this transaction. This is unfair because they did not follow the 5 step validation procedure. According to the FDCPA, I am entitled to compensation of {$1000.00} per violation. This is evidently a violation of my rights. I demand this company to delete this account from all three credit reporting agencies ( XXXX, XXXX, and XXXX ) and compensate me for the violations for the account listed below. If the company does not comply I will have no choice but to forward this to my litigation attorney. Fair Collections & Out- XXXX ... {$5500.00} Thank you for your time.
Product: Debt collection

Since 2021, we have contacted credit bureaus to report identity theft regarding a supposed debt to XXXX XXXX according to debt collector CBE Group ( paycbegroup.com ) in the amount of {$2100.00}. The credit bureaus said they would take care of the matter but I am still receiving collection notices. 

This debt is not mine and most likely originated from identity theft. Please look into the matter, thank you
Product: Checking or savings account

There are 2 issues that I have discovered. 

Issue # XXXX. I did 3 internal transfers from one account to another for a large enough amount to cover charges that were made that day. At least 2, if not all 3 of the transfers were done before their XXXXXXXX XXXX cutoff. The first 2 were enough to cover all pending charges. The third was just to add a " padding '' until a regular deposit would be made on the next day. The next day, I saw 2 overdraft fees had been charged even though the balance was more than enough to cover all the transactions and the 3 transfers made the day before had posted that same night, proving they were made before the XXXXXXXX XXXX cutoff. When I contacted the bank, I was told that those last 2 charges were made when there were not enough funds in the account to cover them and that's why the overdraft was charged, that they were " pending '' and there were insufficient funds, so the overdraft fees were charged. I questioned them and advised that ( XXXX ) they can not charge overdraft charges on an amount that has not actually posted, and ( XXXX ) due to the internal transfers, that were also pending, and posted the same night, there were enough funds to cover the transactions. After dealing with 3 reps and 2 supervisors, I FINALLY got my XXXX refunded. The first 2 reps and supervisor could not ( would not ) get that what happened was wrong. 

Issue # XXXX - There was no overdraft based on my own charges. What cleared the night of the XXXX left me with a positive balance. Yes, there were pending transactions, but again, they were PENDING. They charged a {$36.00} overdraft fee when the balance in the account was positive and THEY caused it to go into overdraft with their fee. When I questioned it, they wouldn't even entertain refunding that to me as well. I have NO clue why, other than they were trying to charge a fee due to a pending transaction that ended up not even posting until the NEXT night.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I submitted a withdraw request from Coinbase. After fees, I should have received {$7800.00}. Coinbase claimed to have processed the wire on XX/XX/XXXX. Coinbase also claimed I would receive the wire transfer on XX/XX/XXXX. There was no mention of delays at the time of withdraw. 

On XX/XX/XXXX, Coinbase changed the process date of this transaction from XX/XX/XXXX to XX/XX/XXXX. I have requested information showing that the wire has been initiated so that my bank can confirm. I have not received the withdraw or a response from Coinbase indicating that they finally processed the wire transfer. The withdraw is now 18 days ( 10 business days ) late of the time ( XX/XX/XXXX ) I was told it would arrive.
Product: Mortgage

I made a double payment in error for the month ofXX/XX/XXXX on my mortgage with CIT Bank. I contacted the bank to correct the issue and specifically asked to apply the extra payment to my XX/XX/XXXXmortgage payment. I specifically asked that the bank not mail a check for refund as I did not trust that the check would reach me. CIT Bank reversed both of my XX/XX/XXXXpayments then indicated that they have mailed a check for the overpayment.
Product: Debt collection

I assume M S GERALD is calling me to collect my phone debt from the number XXXX. The problem is not that they call because of my debt, the problem is they call and when I answer they hang up. When I don't answer they leave voicemails with no one talking, and now my dad calls to tell me that someone from their agency called him trying to find me for a debt collection. I don't understand how they never leave messages or talk to the person who owes the debt, but they do talk to someone else not authorized in that account. I still have to talk to a real person. I even called the number now and all I hear is like if it was a fax line. No one never answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- I have disputed this collection more than once from all credit bureaus. I also sent a BBB complaint to the original creditor where they in fact adjusted the breakdown even though it was not correct, the credit bureaus are reporting {$1100.00} more than what is owed to the company per their break down. Even though it should be even less than that. I want this removed from my credit as ALLEGED DEROGATORY REMARKS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS. MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ 1,000+ PER STILL UNPROVEN, UNTRUE INACCURATE, UNTIMELY, INCOMPLETE OR ELSEWISE  NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRITING COMPOSITION. The last dispute I submitted I attached a copy of the companies final response showing {$480.00} plus cleaning fee due which in fact is still incorrect as the company overcharged me for 12 months on my lease and they required me to pay a late fee many times when there should have been a credit. Since the Bureus did not valide the debt to it 's intirety as I requested more than once, I want it deleted and removed from my credit report. per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that you are MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that you are deficient of your requisites toreport adequately and a challenge ( or dispute ) is lodged versus any data iformation previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.I demand, as is MY RIGHTS to do so and as is your REQUIREMENT to satisfy, for you to ANNUL by deletion or removal any and all allegations DEFICIENT of PHYSICAL EVIDENCE OF COMPLIANCE to reporting laws much less verified and valid.If you are unwilling or UNABLE to do so in a federally defined TIMELY manner you MUST rectify your infractions by RETURNING TO or retaining federal reporting COMPLIANCE TODAY, even RIGHT NOW.As such, I DEMAND that you CERTIF.ICATE the verification and validity of the following claims or DELETE NOW.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has an at fault accident reported on my driving recors for XX/XX/year>. This was not an at fault accident. It was damage caused by a hail storm for which I filed a claim for comprehensive insurance. I have documentation of this in both photos and documents provided by XXXX XXXX XXXX. This error in reporting is affecting my insurance premiums. I am unable to cantact anyone with XXXX regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a DUPLICATE report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 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 1. Account Name : 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