23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The original dispute was filed years ago. As I have matured and become more aware of my rights regarding the FCRA, I 've realized how long and how egregious Equifax 's error has impacted me. I have been patient and this is my XXXX complaint against Equifax with CFPB. Equifax keeps making a false claim that they have either corrected the information or that it does n't appear. They have deleted the XXXX XXXX bills that appeared in error. They have not corrected the Student Loan accounts that appear inaccurately. In fact, they report duplicative records of the same student loans and have re-aged these accounts extending the time they have appeared on my credit report. These loans were incurred during my XXXX and XXXX studies ending in XXXX 2002. My student loans have remained in deferment, and even during a period of consolidation and being assigned to XXXX XXXX, for reasons permitted by the US Dept of Education.
Product: Debt or credit management

I have been working with Mohela since XX/XX/XXXXXXXX  to get my student loans forgiven. They did not provide services as promised, ( but that is another story ). The issue I am most concerned about is that on XX/XX/XXXX, I was informed by them my 120 payment requirement was fulfilled and now I have a XXXX balance. My letter also said it could take up to 3 reporting cycles for the credit reporting agencies to be notified. It is now XX/XX/XXXX th, and my credit report still shows I owe on these loans. I have disputed this with the credit reporting agency, and nothing has changed. I actually received a higher interest rate on my Mortage and should not have because they had not reported this. Never the matter, I would just like this resolved and removed from my report. It is very difficult to get in touch with them. You have to stay on hold for over an hour and can never talk with a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for verification documents including the original signed contract agreement, the dates the account was opened/closed, and the total amount due including interest/ fees. Also In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Accounts # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C Section 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/2023, I deposited a {$3000.00} check to my account. Chase put the account on hold as a result of this deposit, and subsequently Chase closed my account and only returned {$16.00} that was in my account while withholding the entire {$3000.00} check. Chase stated that they will not disburse funds from the {$3000.00} check without verification over the phone from the maker of the check " XXXX ''. I have not been able to get a hold of this company over the phone, and Chase has not been able to get a hold of this company over the phone through their verification system either. 

The check was deposited via mobile deposit. The check has cleared for over 21 calendar at this point. The merchant that wrote the check has not contacted Chase to request a dishonor or stop payment on the check.
Product: Bank account or service

I received a letter from Polaris Home Funding Corp as a solicitation for consolidating my credit union mortgage loan and credit card. The letter was deceptive and clearly and attempt by the sender to make it seem as if the credit union had sent the offer. Here are some bullet points : * The envelope did not contain a return address identifying the sender of the letter* The letter was not on letterhead identifying the sender*The letter contained the name of my credit union in large font in the body of the letter but only identified the sender of the letter in small font in the footnote* The heading of the letter was " IMPORTANT NOTICE! PLEASE CALL IMMEDIATELY ''. This made the letter look as if I had a problem with my credit union account. 
* The letter stated " Due to recent guideline changes '' again a reference that made it seem as if the letter was from the credit union as it did not identify who made the guideline changes* The letter indicated there would be a high volume of calls and to reference my account number when I call. This is a method to make it look like it is a credit union account number. 
* The letter references a rate reduction " program '' and uses word program without going into detail as to what it constitutes other than a lower rate or whose program it was. 

The letter was deceptive and a clear attempt to make it look like it was endorsed or sent by my credit union. I have included copies of the envelope and letter.
Product: Checking or savings account

On XX/XX/XXXX, at XXXX XXXX, I was suppose to get a deposit of XXXX dollars, in my checking account. It never showed up in my account, I contacted social security, and they said they had the right routing, /account number, and it should be at US BANK XXXX I went to US BANK , three times, and they would not tell me were my money is, even though they said my routing number and account number was correct, I had to pay my rent, so I am overdrawn now, because this bank, can not accept direct deposits. Even though they push me into having direct deposit, or they would penalize me {$6.00} a month. XXXX  I just want my money, I will be paying {$100.00} dollars overdraft fees, because of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$7700.00}.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I contacted XXXX credit management about a collection they would not give me any information then again on XX/XX/year> spoke to them again and the lady told me this debt was no longer with them and told me to call XXXX XXXXt they also could not give me any info and told me to call XXXX XXXX XXXX they guy told me the information on this debt was wrong and the acct is closed but on my report it said open
Product: Credit reporting or other personal consumer reports

, XXXX XXXX XXXX, do not agree with the report of the late payment that is the only one I have in my entire credit life and I am sure that it is an error in the XXXX XXXX insured card with account number XXXX. I request a state where it shows that overdue payment so I do not recognize it and see if it is wrong that it is reported in different months
Product: Payday loan, title loan, or personal loan

I previously had an account with this company that showed on my credit report incorrectly for over 6 months. After many complaints they finally removed it.I refinanced in XX/XX/XXXX and this has not been reported on my credit report until XX/XX/XXXX. Prior to this reporting they ran my credit twice and it adversely effected my credit score.I sent them a letter in XX/XX/XXXX regarding the lowered credit score.Though the date reported is XX/XX/XXXX I did not see it on my credit report until XX/XX/XXXX.I made a $XXXX payment that cleared my bank on XX/XX/XXXX and a $XXXX payment that cleared my bank on XX/XX/XXXXTo date I have paid over $600.00.If they cannot report in a timely manner, report accurately and keep the account updated with payments made to reflect an accurate balance they do not need to be reporting to any agency.
Product: Debt collection

I have not lived in XXXX Michigan in XXXX  years and this report is on my credit!!! This is not me and I just filed a police report against whoever did this and this company will be reported for not verifying identity. We dont even have a XXXX XXXX tx XXXX Please remove this ASAP!!! I have never even been contacted about this or it would have been handled! I have XXXX collections on my report and now I have this small one!!! I did not notice until I logged in my XXXX XXXX to see this had been added
Product: Debt collection

The debt collectors have continusly harrased me with multiple calls per day, i have contacted them in regards to validating the debt on more then one occasion and i havent recieved anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 CREDIT AGENCIES REPORTING FRAUD ACCOUNTS OF MEDICAL SERVICES 3X ON FILE SAME ACCOUNT VIOLATES " FCRA '' SECTION 506A, 605B, 607, 611 AND 623 ( a ) '' NOT MY ACCOUNT '' NEVER DONE BUSINESS WITH COMPANY " XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing again this dispute to TRANSUNION as you claimed that it was not me who filed the complaint dated XX/XX/2022, with Complaint Number XXXX, then you are mistaken because it is me who is filing this complaint again. Please consider this as my formal complaint against the inaccurate reporting from the bureau. 

I have also attached proofs of this complaint.
Product: Debt collection

On XX/XX/year>, LVNV Funding, LLC, EIN : XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX, contacted me regarding an alleged debt. LVNV Funding, LLC has been sending monthly statements as supposed evidence of this debt. However, according to the ruling XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX, monthly statements are insufficient evidence of debt. On XX/XX/year>, I, acting as a Private Attorney General, sent a formal debt validation letter to LVNV Funding, LLC, requesting the following documentation to validate the debt : Proof of the original debt, such as the original contract or agreement.Comprehensive documentation showing the transfer and assignment of the debt from the original creditor to LVNV Funding, LLC. A detailed account history, including all charges, payments, and fees.The complete name and address of the original creditor. In addition to requesting validation, I issued a cease and desist notice, instructing LVNV Funding, LLC to cease all collection activities, including reporting to consumer reporting agencies, until the debt is validated. This is in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692c, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Moreover, I informed LVNV Funding, LLC that any continued attempts to collect an unverified debt would result in legal action. The potential costs of such legal action were itemized as follows : Filing Fees : $ XXXX Fees : $ XXXX Costs : $ XXXX for Emotional Distress : {$10000.00} Punitive Damages : {$15000.00} Total Potential Cost : {$31000.00}. Additionally, I noted that LVNV Funding, LLC is fraudulently posing as Resurgent Capital Services, further compounding their legal liabilities.I also outlined that any violations of Title 18 U.S.C., Title 42 U.S.C., and the Code of Federal Regulations ( CFR ), specifically relating to fraudulent activities and civil rights violations, would be addressed in forthcoming legal actions if necessary. As of today, LVNV Funding, LLC has not provided the requested documentation or ceased their collection activities, including reporting to consumer reporting agencies. This ongoing behavior is in violation of federal laws and has caused undue stress and potential damage to my credit reports. I seek the CFPB 's assistance in compelling LVNV Funding, LLC to provide the requested validation of the alleged debt, cease all collection activities until validation is provided, and delete any inaccurate information from my consumer reports. Furthermore, I request that the CFPB take appropriate actions against LVNV Funding, LLC for their fraudulent practices and violations of federal laws.
Product: Mortgage

My home was in escrow to a company purchasing my home on XXXX XX/XX/XXXX. I called both mortgage company and their lawyers before the sale on XXXX XX/XX/XXXX. When I called the mortgage company they told me to call their lawyers and vice-versa while I was trying to get help. My documentation of escrow and purchase agreement states they were signed between XXXX XX/XX/XXXX. It is set to sell for {$140000.00}. Plenty to pay off debt. I received an email about two weeks after I tried to get help from the mortgage company lawyers. In that time the sale of my home to the company continued to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX inquiry XXXX  XXXX XXXX  XX/XX/XXXX inquiry XXXX XXXX I have not applied for any credit nor did I authorize them to pull my credit and want these items deleted off my credit report.
Product: Student loan

On XXXX XXXX, 2016, I filed an application to enroll in the REPAYE payment plan. On the same day, I delivered all of the necessary supplemental materials, including proof of income, to Nelnet, the student loan servicer, through the document submission email address provided on their website, XXXXXXXXXXXX. 

On XXXX XXXX, 2016, I received correspondence with the subject line " We 've received your income-driven repayment plan application '' from Nelnet confirming that they had received my application. 

On XXXX XXXX, 2016, I received correspondence with the subject line " Your request has been received '' from Nelnet confirming that my application was received and being reviewed. Within this email, Nelnet stated " You will receive additional communication from us regarding your request within 7 to 10 days. '' No further correspondence was received within the promised 7 to 10 days. Multiple phone calls to Nelnet were unable to update the status of my application or why I had not received further correspondence within the allotted time period. 

A further call had to be placed on XXXX XXXX, well after the specified period of time, and a representative was able to check my application 's status, notifying me that it was still not processed. The processing and notice was not completed until XXXX XXXX, 2016.
Product: Credit reporting or other personal consumer reports

I am a Victim of Identity Theft. There are fraudulent inquiries on my credit profile please remove.
Product: Mortgage

Ocwen Loan Servicing XXXX, debt collector have used Fraudulent and Forged document to accept Insurance Loss Draft check on XX/XX/XXXX, in the amount of {$6700.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX Draft XXXX. 
Ocwen DOES NOT have Any documentdocumentsdocuments to collect on this debt. This debt was discharge on XX/XX/XXXX, Chapter XXXX United States Bankruptcy Court. Ocwen accepted LOSS Draft after discharge debt Voliates 15 USC 1692 and Florida Statuue 817.535. As of XX/XX/XXXX, filed Fraudulent foreclosure, No Letters, No Notice no communication a bout filing. Ocwen-XXXX co ntinue to avoid sending any documentation to show Proof of Ownership as of XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2024 at approximately XXXX XXXX, I made several cash deposits with Citibank 's ATMs at their XXXX XXXX XXXX branch. Instead of depositing the correct amount of {$3900.00}, the first machine took the whole sack of bills and only deposited {$1900.00}. The machine gave back some bills then showed errors and said it wasn't available. I proceeded to another machine and deposited the rest of my bills ( the ones that got dispensed from my original sack ) and the machine deposited {$600.00}, {$500.00}, and {$400.00} respectively. The amount just didn't add up as I'm now {$500.00} short of my original sack of deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax & XXXX  has violated my consumer protection laws under the United States code title 15 chapter 41. The first violation is they have this alleged debt being furnished on my credit report. That is a violation of 15 USC 1692b ( 2 ). Its violating because it being furnished would mean I owe it, but a debt collector cant say I owe anything. I am the original creditor because I am the one with the credit. There are several public laws regarding the inability of any bank or anyone other than a natural person ability to lend credit or have credit to lend. They did not give me the credit so they can not validate the debt. I am the only one who can validate the debt because the corporation is not a natural person according to congress. They are a entity. I do not validate this debt. 

Pursuant to 15 USC 1692d only the natural person can validate an alleged debt. No debt collector/ corporation has the power to tell me a debt is validated. No contract or monthly statement can validate the debt. 

The consumer, the natural person Is the only true creditor as I am the one that created the debt per federal law. 

I demand that the accounts listed in my letter be deleted asap. If you cant delete the accounts I demand that you produce a contract in affidavit form between me and you showing I granted you permission to furnish the report. If you have that permission have senior executive create an affidavit to me. Have it notarized by senior executive saying I granted you permission to furnish the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act this creditor has violated my rights. I have a right to privacy, A consumer can not furnish an account without my written instructions.

a creditor may not treat payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loans under XXXX XXXX And XXXX are being incorrectly reported. The past due payments are more than 7 years old. I have Disputed this many times as they are too old to be reported but they still remain on my credit report under Erxerian and XXXX And XXXX. Ive disputed this at least 5 times. The past due payments are more than 7 years old and are no longer reportable under the fair credit act!
Product: Other financial service

To Whom It May Concern, This complaints is against XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, all formerly of XXXX., and recent defendants of a FTC civil action complaint in United States District Court District of Nevada Case XXXX and XXXX, XXXX , A Wyoming Based Limited Liability Company ( all owned by the XXXX ) and XXXX of XXXX. These criminals are at it again. There was no justice served in their years of defrauding countless innocent victims with their payday identity theft fraud scam so they simply changed outfits and started all over again before the ink was dry on their case filed in 2013. I have several documents to prove my complaint. All available to make sure these criminals are stopped in their tracks. 

I was presented an opportunity to purchase a turnkey fully functioning business with a guarantee of business funding with my good credit to support my entrepreneurial aspirations by the aforementioned ; via my trusted business advisor who no longer associates with any of them due to the discoveries within this complaint. The ecommerce business that was sold to me was to come with pre-existing sales, established web traffic to an existing website, customer service, a XXXX system, media buys all provided by a company reported by the XXXX to be a Wyoming based XXXX under their direct ownership by the name of XXXX. Upon further research I 've discovered all were lies. Nothing was set up with this turn key business by the XXXX. In fact they were doing nothing more than making false claims. Instead of immediately receiving what I was promised I was harassed for finance payment by XXXX XXXX, the shady " lending '' company who supposedly financed the sale of the business on the strength of my excellent credit. Even after I tried reaching XXXX to no avail to discuss my displeasure with the behavior and lack of performance as contractually obligated by the criminal XXXX family I was still harassed at my work place and at home. For this agreement with the fraudulent " XXXX '' I was charged a fee of thousands of dollars for nothing that the Sunyiches nor XXXX XXXX actually provided. The fact of the matter is they are both frauds that should be reinvestigated for all of their current business practices.
Product: Debt collection

I have 2 capital One credit cards negative balances on my credit that I did not do or have any knowledge about.they will not let me dispute need to know what going on or who used my name to sign up for capital one. But it was most definitely not me.
Product: Money transfer, virtual currency, or money service

Dear Sir/Ma'am, Good day! 
This is with regards on my account in paypal. I have online transaction and they put on hold the payment. They decided to put permanently limited my account and can no longer use it anymore. 

I believe that it was a mistake to put on permanent limitations my account without disclosing the reason why. I am using my paypal account for my online business last XX/XX/2022 under my paypal account XXXX has stucked funds in it that i have to withdrawn asap for emergency purposes. I am hoping that i will get back my account and lifted the said limitations and also able to transact business with paypal without any limitations. 

Hope that this complaint will merit their kind approval for the said matter. 

For identity verification, I attached my valid ID and the screenshot of my paypal account transaction for your reference. 

Thank you and God bless. 

Regards, XXXX
Product: Credit card

I had a credit card with XXXX card services. The account # XXXX. XXXX closed my account and took away the reward points that were accumulated in this account. XXXX profited from their one sided action, which is illegal or at least unethical. I ask that XXXX will pay me the value of the rewards that were accumulated in the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX. 
I would like the negative items removed they are impacting my score. they don't belong to me. I don't know who they belong to but they are not mines and my score is hurting me.
Product: Credit reporting

My brother and I are XXXX and our names are very similar. His transactions are appearing on my credit report along with his name as an alias for myself
Product: Debt collection

This is for Portfolio Recovery Services. They call me constantly and I keep my phone on silent all the time now missing important calls. Ive tried blocking every number but it doesnt matter they will just call from different numbers. I told someone awhile ago to stop calling as I am XXXX but dont get XXXX because its a XXXX XXXX XXXX XXXX XXXX XXXX  I have XXXX XXXX and live with my XXXX and have for a long time. He has a XXXX  and his own financial issues. I cant work so XXXX cant pay anything towards this. Theres nothing I can do.