23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a voicemail on XX/XX/2019 at XXXX XXXX from " Unknown '' number, caller identified her as " XXXX XXXX '' but did not state a company, she stated a docket number and that there was a complaint registered against me and I needed to call to discuss pending actions. 

My husband then received the exact same voicemail for me at XXXX XXXX, at XXXX XXXX my ex husband received the same voicemail as well. All of the exact same scripted call from " XXXX XXXX '' I called them back and was told it was an answering service for a building of 15 businesses, they asked for a reference number, I gave it and was transferred to " XXXX '' with " XXXX XXXX XXXX '' I asked her for a validation letter and she refused stating they had sent one in XX/XX/XXXX. She stated that I called her and would have to verify my SSN, I told her I was not comfortable. She became hostile and told me that they would just serve me papers in the next 24-48 hours. I asked her for her last name and she hung up on me. 

My husband then called and also received XXXX, she then gave him my full SSN # and asked him if that was correct. Then told him she didn't appreciate him calling her and that she had just gotten off of the phone with me and they would just follow through with legal action and " to have fun in court '' I then tried to call them back in order to obtain a validation letter but my number had been blocked, I then called from my work phone and received the same front desk, gave him my reference number and he then said they weren't answering their phones, I told him that XXXX had given my full SSN to a third party and I would like to speak with her, he stated they were not available but would try again and instead hung up on me. I then tried to call back but they had then blocked my work number also, I called from another phone at work and was hung up on immediately after each try until they blocked that number too. I called from a co-workers desk and was immediately put on hold and then hung up on, same thing with another co-workers desk and then tried to call from my friend 's cell phone with a different area code and was prompted to leave a VM, when I didn't, he then received two calls from an " unknown '' number back to back with no voicemail. 

They also blocked my husband 's phone number as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus 11/30/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX : {$6800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I owe {$97000.00} on my Mortgage which was held by XXXX XXXX   XXXX XXXX  which was send to XXXX XXXX XXXX. And now is held by Selene Finance in XXXX, Texas. I requested a loss mitigation packet through Selene Finance which has fallen on death ears. I sent my XX/XX/2018 payment to XXXX XXXX XXXX under a loss mitigation agreement which passed along to Selene Finance which were return to me around XX/XX/2018. I wishing to maintain this property and am trying to pay my payments.
Product: Prepaid card

I got a prepaid card in the amount of {$7.00} as part of an equifax data breach settlement. I added the card details to my XXXX wallet and tried to pay for service at a XXXX XXXX location. The card asks for a PIN ( which I don't have and did not set ), and would not allow me to complete the payment as credit. When I went back to the website to get more details about the card ( XXXX XXXX XXXX ), the page simply says there was an error and to try again later. So, I am not able to use the money on this card.
Product: Mortgage

Arvest Bank failed to pay my taxes out of escrow, and I have now been charged interest by the county. I owe {$870.00} in taxes, plus {$52.00} in interest. This happened last year as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr stated they gave the same report to XXXX as they did me on XX/XX/XXXX with correcting an arrest record from a dispute making everything on the report 100 percent clean and clear as they stated in last reply to CFPB However, for the 6th time I heard from a supervisor, see below. This doesn't sound like an individual that received a clear report and Checkr has not made me aware of any other report past the one from XX/XX/XXXX that has absolutely nothing but the words clear on it. That's six supervisors that have told me in writing they have not seen a corrected report. Quote below from XXXX at XXXX this morning. 


Hi XXXX, This is XXXX, one of the supervisor from XXXX XXXX XXXX XXXX. 

We took a look at your account and your request for access to XXXX driver platform was denied based on the results of a background check. You shouldve received this update in an email from Checkr. That message contains a copy of your background check report and also outlines your right to dispute the results by replying to the email. 

If you have not received a copy of your background check report, you can request one by signing into the Checkr Candidate Portal. 

Let us know if you have any other questions. 

Thank you and stay safe.
Product: Payday loan, title loan, personal loan, or advance loan

From my understanding cash call loans no longer exist. My loan is being serviced by XXXX XXXX that I know nothing about. I have been waiting on information from XXXX XXXX concerning my loan but as of yet I havent received any information.

Im just wanting to know where is cash? Call and are all their loans legitimate due to the lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not remove an inaccurate collection account from my report. IT ALSO APPEARS THAT THIS MATTER WAS NOT INVESTIGATED AS THEY CLAIMED OR TO DEPTH REQUIRED BY THE INTRICACY OF SUPPORTING DOCUMENTATION SUBMITTED. Furthermore, they failed to provide any explanation as to why the item was not removed as can be seen in Experian Report Number XXXX. This along with an overly generalized statement under " About Dispute Results '' does nothing to inform me on why this item was not removed from my report. 

The next section " Here are you results '' shows a before and after of the disputed item ( disputed item remains on credit report ) and Experian claims the disputed information has been verified as accurate. Accurate how? Yes, I am sure that the collection agency who submitted the delinquency has confirmed with Experian that have a collection account with my name on it. However, this was not the basis of my dispute. The basis for my dispute was the validity of the debt purchased by XXXX XXXX XXXX from my former housing complex XXXX XXXX. It is likely that either XXXX XXXX XXXX did not conduct their due diligence prior to purchasing this debt OR XXXX XXXX provided XXXX XXXX XXXX with inaccurate information on this supposed debt, or both. I do not owe any money to XXXX XXXX XXXX nor my former complex XXXX XXXX. 

In my statement to Experian ( which I no longer have access to ) I stated something similar to the following : " Collection account reports inaccurate info. Lease was paid through & ended XX/XX/XXXX. Gave notice to vacate on XXXX ; 30 days in advance as per the lease agreement Par 36.1 ( d ) ONLY 30 days is required. 

Vacated apartment on XX/XX/XXXX. 30 days after XXXX is XXXX which was paid in full through XX/XX/XXXX. Therefore, any claim to an additional months rent for the amount of {$1200.00} after providing proper notification, moving out on time, and being fully paid up not only renders the collection reported inaccurate but underscores the dishonesty of XXXX XXXX '' In addition to this information is should be noted that the XXXX  has numerous similar complaints about parent company XXXX XXXX XXXX and XXXX  XXXX XXXX ; or whatever variation of similar names they went by before selling complex to XXXX XXXX. It should also be noted that the XXXX reviews would also help to show a consistent pattern of XXXX XXXX  XXXX XXXX submitting false debt to XXXX XXXX XXXX, if one could access these reviews. However, because the property was sold off to XXXX XXXX and renamed, the reviews are no longer available. I can not even go back and look at the review I submitted from within my XXXX review list. 

The ONLY just outcome is to permanently remove this falsified debt from my Experian credit report as it should have never existed in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Please correct and update this account.
Product: Prepaid card

Locked out of my account for weeks ... .not able to access funds ... rude customer service..Rushcard
Product: Vehicle loan or lease

I told the company I was having an hardship with my jobs and that the car dealership added more fees and they also made me pay an down payment fee on an used car and they also, didn't do any repairs on the car before I received the car and that coursed the car to broke down on me and when I tried to tell the bank, they didn't care. also, the down payment wasn't included in the paperwork the bank has, also my paperwork shows I owed at time of signing paperwork I owed only {$14000.00} and I had the car from XX/XX/XXXX to XX/XX/XXXX before they repo the car from now they are asking for more than I owe them .I brought the car from this dealership called XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, when i called them for repairs on the car they was gone no longer in business at that location anymore, the bank didn't care. the payments went up and up. I didn't pay because they didn't help me to have the car repaired for free as agreed to by dealership that jump ship on me. The car was used and never served by the dealership at all and that's why I didn't pay the bank along with my job was closed down because of cov-19, the virus that closed over half the city I live in. I also, got scammed by someone who took all my money out of my bank account too. I was left with nothing to pay with and I still tried to pay off the car note but the bank didn't care. The car was an lemon anyway!
Product: Checking or savings account

3 checks were stolen from our mail box in XX/XX/XXXX then washed and cashed. 2 of 3 the checks were cashed by XXXX XXXX on XX/XX/XXXX.. The 3rd check I had a stop placed on it. The recipients names were changed to cash and the amounts were significantly altered ; # XXXX for {$240.00} to {$2200.00} and # XXXX {$290.00} to {$2200.00}. The payee 's called several weeks later complaining they had not received their checks. I called the bank to see if the had cleared and they had not. I rewrote them new checks and mailed them out ; thinking i must have accidentally thrown them into the trash. I received my statement on XX/XX/XXXX and found the checks had been altered and cashed. I immediately went to the XXXX Key Bank Branch where i explained the problem to XXXX XXXX, relationship manager. He helped me complete the Key Bank Fraud Affidavit. Then I proceeded to the XXXX County Sheriffs office and filed a Case #. Since then i have been unable to get any money refunded. Neither Key Bank nor XXXX XXXX Fraud Depts. will discuss this with me. XXXX XXXX says i 'm not their customer and Key Bank says the branch in XXXX should follow up on your behalf. The XXXX Branch says its out of their hands that it is a XXXX XXXX issue.
Product: Checking or savings account

I was in XXXX XXXX from XX/XX/XXXX until the morning of XX/XX/XXXX, and my debit card was stolen. I didnt realize that my card was missing until XX/XX/XXXX afternoon. By that time, someone used my debit card in over a dozen locations, totaling over {$1100.00} dollars spent in less than 24 hours. They didnt have my pin and were using it like a debit card, Valley had no internal controls in place and never froze the card or blocked a transaction. When I called to dispute, I received a letter 10 days later from XXXX XXXX stating that my statements were inconsistent and that I can call back to appeal. Over a month since the letter has passed, I tried calling her hundreds of times and always go straight to voicemail. I am disgusted by the customer care at this bank, I am XXXX XXXX XXXX and had an account with them since I was an XXXX and this is my first ever dispute
Product: Credit card

Despite numerous requests for removal of a XXXX XXXX monthly maintenance fee ( since at least XX/XX/year> ), Verve continues to charge same.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX they reveived a letter that I sent to them via certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) asking them for the contract that I have with them that includes wet ink signature. That letter was not filled out and sent back to me. Correspondence was sent back to me states that the application was taken over the the phone or the internet and do not have a paper copy to send.
Product: Payday loan, title loan, personal loan, or advance loan

Good Leap LLC is predatory lending company. They charged {$20000.00} to replace a {$10000.00} roof. They are charge 12 % interest and placed a linen on my house. Im XXXX XXXX XXXX and my husband is now deceased. I not made fully aware of what I was signing up here.
Product: Debt collection

I am writing to formally file a complaint regarding a debt that has been incorrectly attributed to me and is being improperly reported on my credit report by Resurgent/LVNV Funding. This complaint concerns a case of identity theft and the failure of Resurgent/LVNV Funding to properly verify the ownership of the debt before reporting it. 

The key facts of the situation are as follows : The debt in question was originally held by XXXX XXXX XXXX, which they charged off and subsequently closed. Afterward, XXXX XXXX sold the debt to Resurgent/LVNV Funding, a debt buyer. 

Despite the fact that XXXX XXXX had charged off and closed the account, Resurgent/LVNV Funding is now reporting the debt as open and active on my credit report. 

I requested debt validation from Resurgent/LVNV Funding, and they failed to provide any sufficient proof that this debt belongs to me. It appears that Resurgent/LVNV Funding simply relied on information provided by XXXX XXXX without conducting a proper investigation to verify my identity or my involvement with this debt. 

After careful review, I believe this debt has been incorrectly assigned to me due to identity theft, as I have no knowledge or record of this account. 

As a result, Resurgent/LVNV Funding is reporting this debt on my credit report, which has caused significant damage to my credit score and has led to undue stress. I have made multiple attempts to resolve this matter directly with them, but they have not provided adequate evidence that I am the rightful owner of this debt. 

In light of the above, I respectfully request the following : The immediate cessation of all collection activities related to this debt by Resurgent/LVNV Funding, as required under the Fair Debt Collection Practices Act ( FDCPA ) when a debt is disputed and identity theft is alleged. 

A thorough investigation into the validity of this debt, ensuring that Resurgent/LVNV Funding follows the proper procedures to validate the debt before reporting it on my credit report. 

Assistance in correcting my credit report, ensuring that the wrongful information reported by Resurgent/LVNV Funding is removed. 

I have attached relevant documentation, including my request for debt validation, correspondence with Resurgent/LVNV Funding.
Product: Payday loan, title loan, personal loan, or advance loan

I got behind with payments on a loan with Tower Loan back in XX/XX/XXXX. In XXXX the company hired a law firm which petitioned the court to grant a judgement against me for the amount due on the loan and attorney fees for the firm who petitioned the court on their behalf. I reached out to the company when I received the court summons on XX/XX/XXXX. I was told to contact their lawyer. A week later a worker called me and asked me to pay what I can on the account. I was told they were not going to sue me. On XXXX XXXX I made a payment of XXXX. On my receipt given {$2500.00} is listed in the balance area. On XXXX XXXX I made another payment of {$500.00}. I was given a receipt, but no balance was given on the receipt. I explained that on the previous month when I made a payment that the person gave me a receipt and a balance was noted. The worker said they don't do that if their lawyer is handling the account. I told her that the person who took my payment previously was the other worker who was in the office currently with her. She said that was the branch manager. She said they aren't supposed to put a balance on my receipt. I keep getting told to contact their attorney. If the petitioned never went before a judge and they chose to let pay what I can why am I not getting a current balance on the actual loan. The interest on the loan is extremely high at 35.56 %. I have actually paid the amount borrowed and more than that. This company is operating under fraudulent terms. How is a company receiving money for payments on a loan but doesn't provide a balance? This company is also constantly calling after I've repeatedly told them that I can't receive calls while at work. The company calls from numerous numbers. The workers are very rude. I was given a check of {$420.00} in XXXX. I didn't fall behind on payments until about XX/XX/XXXX. How is it the law firm is petitioning for over {$3000.00}?
Product: Debt collection

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute to the credit bureaus about this debt collection companies reporting inaccurate information on my credit report and asked for verification. The company then sent me information about trying to collect a debt from me but they didn't provide the proper validation to prove that i owe a debt to the company Even though they provide me a statement according to law that 15 usc 1692 g that still doesn't suffice that the debt was mine only an assumption also they are in violation of 15 Usc 1692g because they never sent this information within 5 days of initial communication. Also they are in violation 15 usc 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collectors are also violating 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. the credit bureaus are in violation because i the consumer never gave them permission to report that on my credit report. Pursuant to 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. Also the information was deleted from my XXXX and i sent this to both experian  and XXXX to remove this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the 3 credit bureaus to no avail, they stated that i cant not dispute the items with them. 

Under the FCRA i should be able to dispute these items with them. 

I have reached out to the furnisher of the inquires and they can not or will not verify the inquires