23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I requested a refund of my student loan payments made during the COVID forbearance to Mohela on XX/XX/year> at XXXX. I was issued a partial refund of my payments. However, I never received the amount of the payments I made to XXXX which was my previous servicer before my loan was transferred to Mohela. 

In the meantime, my loan balance has been restored but I have not received the remaining refund. I made multiple attempts in writing to Mohela seeking a status update and I received a form email response which was nonresponsive.
Product: Vehicle loan or lease

I have sent in several certified letters for validation of debt due to erroneous mistakes. The balance is incorrect, name, etc. It has yet to be sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # XXXX is reporting on my credit, however this debt was paid off five years ago. This is reporting incorrectly and the account should be deleted.
Product: Bank account or service

As described in Wells Fargo ( WF ) web site, as a customer I can see the statement for 9 years back, and other services that are important to me. However when I tried to see XXXX checks ( XXXX, XXXX, XXXX ) emitted in XXXX XXXX I was told that the rule of nine calendar years does not apply to the whole calendar year as long as the bank uses a rolling calendar. So, because my request was done in XXXX XXXX the checks are not any more kept. Thus, the information from WF web site is overstated and misleading ; in other words they do not disclose what exactly and how the bank does its business. I do understand that : i ) is not for me to decide how the bank does its business, but it is my right to be clearly informed what I can do in relation with my statements and ii ) is the bank responsibility not to mislead the customers.
Product: Debt collection

On XX/XX/year>, I sent a formal request via USPS tracking number XXXX to LVNV Funding LLC, c/o Resurgent Capital Services XXXX XXXX at XXXX XXXX XXXX, XXXX, SC XXXX. In this correspondence, I requested legal validation of an alleged debt of {$1500.00} that they claim I owe to XXXX XXXXXXXX XXXX XXXX. ( reference ID XXXX ), a debt of which I have no knowledge and do not recognize as mine. 

On XX/XX/year>, LVNV Funding responded with a statement and court filings. However, these documents fail to substantiate my ownership of the debt, as they do not include the required proof, such as a copy of the original agreement with my signature, or any documentation from the original creditor, such as a billing statement or account ledger. 

On XX/XX/year>, I sent a follow-up request via USPS tracking XXXX XXXX, explicitly requesting final validation of this debt, including all necessary documentation to prove ownership, as outlined under Section 809 ( a ) of 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ). Despite this, LVNV Funding LLC failed to provide the legally required documents within the mandated 5-day period. 

Moreover, according to the XXXX XXXX Department of Consumer Affairs, LVNV Funding LLC is not licensed to collect debts within XXXX XXXX, New York, where I reside. As you are aware, this is a legal requirement for any debt collection activity in this jurisdiction. LVNV Funding LLCs continued attempts to collect this debt and report it to all three major credit bureaus without proper validation and licensing not only violates local laws but also federal laws, as they are attempting to collect debt across state lines. 
I respectfully request that the Department of Consumer Affairs take immediate action to address these violations. Specifically, I ask that you enforce the removal of this illegitimate debt from all credit bureaus and hold LVNV Funding LLC accountable for their failure to comply with both FDCPA guidelines and XXXX XXXX licensing requirements. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I never had a contract with this debt collector XXXX XXXX XXXX Account number XXXX for any debt. 

I asked to be provided proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. I was never given proof that this debt belongs to me yet it still remains on my credit report. 

A proper and complete investigation was not done.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inquiries that appear on my credit report. These inquiries are inaccurate, unauthorized, or unverifiable, and their presence negatively impacts my credit profile. According to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX reporting standards, and XXXX XXXX XXXX XXXX ( XXXX  ) guidelines, it is your legal obligation to ensure that all information in my credit file is accurate, verifiable, and reported in compliance with established standards
Product: Debt collection

On XX/XX/XXXX and again on XX/XX/XXXX I answered my door to be served b two separate debt collection agencies. I can not express the alarm this put me in. I am a high-risk individual with XXXXr XXXX XXXX and have a form of XXXX XXXXXXXX by which i take XXXXXXXX XXXX. During this time the servers did not practice social distance, were not masked or wearing gloves and put me at enormous risk amid the Corona Virus pandemic, As it stands at this moment I could not tell you if they were carriers or not, I just have to wait and hope they were not. Taking advantage of a global pandemic is shocking and distasteful. I suffered a XXXX in XX/XX/XXXX and I can not even recall these debts nor research their validity. The risk these people took with my life is highly unacceptable and should not be practiced without proper protective gear or when the ability to do so is allowed. I have been sent home since XX/XX/XXXX, due to my high risk of the outcome if I contract the coronavirus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and Equifax credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month through the website that the company provides and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/202XXXX 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
Product: Debt collection

i spoke to XXXX explained i know longer owe the debt and to remove it from credit report, and that they also reported the wrong amount for collection, and are require to delete. she say it can take 90 days if they decided to remove it. but took less then a day to put on reports. 
the debt has been cleared
Product: Debt collection

I received phone calls that were claimed to be an attempt to collect of an outstand bill from XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, ( XXXX ) XXXX. I stated that if this were an actual debt please send me ans invoice or bill so I could take care of it. They insisted that I pay over the phone with a credit card then and now or they would turn me over to collections. I never received a bill or invoice. Now my account has been turned over to collections and I do not believe this was a accurate way to do business. There are multiple complaints and issues with this company filed in XXXX reviews of their unfair business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX my home address is XXXX XXXX XXXX XXXX XXXX PA, XXXX as shown on my Pennsylvania Identification Card. All other name and address variations must be DELETED IMMEDIATELY they are inaccurate. There are numerous of INACCURATE ACCOUNTS on my credit report in which I disputed with XXXX, XXXX, and XXXX  and each time they state that they contacted the company 's and was told they are " VERIFIED '' ALL 3 AGENCIES are in VIOLATION of the FCRA, Per the FCRA " IF AN ACCOUNT IS NOT PROPERLY VERIFIED WITH SUBSTANTIATING PROOF BEARING A CONSUMERS SIGNATURE IT MUST BE DELETED '' All agencies are in VIOLATION. The following accounts below MUST be DELETED if they ARE NOT/ OR CAN NOT be VERIFIED with PROOF BEARING MY SIGNATURE : Capital One Bank # XXXX XXXX XXXX # XXXX Kohls/Capital One # XXXX XXXX XXXX/XXXX  # XXXX The accounts above are inaccurate and is a 3rd party collector! As you know a collection agency as known as 3rd party collecter can not furnish my report IT IS ILLEGAL FOR A 3RD PARTY COLLECTOR TO FURNISH MY REPORT ( Diversified Adjustments AGENCY ) MUST BE DELETED!

If proof is not provided to substantiate these claims/account the MUST BE DELETED if they are NOT DELETED I WILL EXERCISE MY RIGHT UNDER THE FDCPA/CRA
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payment. I've attached a copy of my report to this complaint on the following date XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$440.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reviewing my consumer report in its relationship between I, XXXX XXXX, and you TRANSUNION and I've noticed unauthorized inquiry 's on my consumer report. 

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
Product: Debt collection

Bank of America debt is 6 years old. NYS law says these debts are time barred after 3 years. I already told them back in XXXX, in court, my only source of income is permanent social security XXXX. Now a few months ago another court case filed for the same thing. Sent them 2 letters and received no reply.
Product: Mortgage

Paid my mortgage in full, by wire transfer on XXXX XXXX, 2016. Ocwen has failed to submit document ( Deed ) of Reconveyance to our ( California ) XXXX County Clerk 's Office. Phone calls to ocwen offer no acceptable reason for their delay in filing.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown credit Inquiry in XXXX credit report from Elan Financial XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did an online application for a  XXXX  vehicle lease in  XXXX    XXXX  . I was not made aware the credit inquiries would constantly be pulled without my consent. I am still receiving credit pulls from the vehicle I drove off the lot with in   XXXX  . I have multiple inquiries that I did not authorize and am unable to secure personal loans even with excellent credit and fico score due to the number of inquiries.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX not able to provide us with a clean room when we went to inspect the room with a hotel desk employee we immediately declined the room in question however we were billed for the same XXXX night for {$180.00}. I did not authorize the hotel to charge me as they submitted this charge to Citi XXXX the next day, XX/XX/2023 because we did not stay overnight. This charge was made without my approval nor was I present to sign for the card. 

In addition the hotel refused to show us the room until I submitted my credit card which they obtained by fraud and my signature for a so called parking space. 

Citi XXXX did not believe me and I offered to submit my XXXX witness statements to verify how and why this charge was made by XXXX XXXX by fraud however Citi refused to allow me to include my XXXX witness statements. 

In conclusion, my Citi XXXX XXXX number was stolen and then used the next day without my approval nor knowledge because of fraud committed by XXXX XXXX. This is credit card fraud NOT a billing dispute. Its the same as if the card had been stolen. 

There has been no response from Citi XXXX explaining why this is a valid charge.
Product: Money transfer, virtual currency, or money service

HBC has started blocking all transfers from the XXXX to our account for three weeks or more while refusing to communicate to anyone about why. 

1 ) These is are 1st to 1st transfer that I send to myself from the XXXX 2 ) Similar transfers have been incoming monthly for the past 8 years without any problems, as this is my salary from my XXXX employer. 
3 ) This account with HSBC is fully operative and has been opened since 1994 Further, the contact numbers HSBC operations department includes in the wire information seem to be inoperative and no one answers. I am a professional in the XXXX  industry, and this indicates that HSBC compliance process is broken. At worst, it may be evidence of illegal racial profiling, given my XXXX   name.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my account was hacked and locked and debit cards locked and virtual card cancelled. I have since then been waiting for XXXX business days for them to dispute the transactions that were completed and for my account to be unlocked so I can have access to my money. I have called every day, and have been transferred to the same people every day and they tell me its with a higher team and that theyll email me. Havent heard anything from them, or the supervisor I requested last Monday XXXX. I have a previous complaint filed for my transactions that were just approved today XXXX, however now theyre telling my account is with another team and they cant unlock it.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer credit report and noticed that i had several late payments on several accounts that i was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late for the account i have included I have included screen shots inside the complaint on the dates of [ XX/XX/XXXX, XXXX XX/XX/XXXX ] there was a mutual agreement via telephone conversation that this would be removed from my consumer report. Please investigate and provide proof with statements showing these payments were late and repossession was valid. if proof cant be provided I demand all late payments and repossession reflect current and be removed and paid as agreed, as they should be since i was never late. please remove account. 
thanks please see screen shots
Product: Mortgage

I am the personal representative of XXXX XXXX, who passed away in XXXX and had a mortgage loan with Seterus ( loan number XXXX ) that was satisfied by a short sale in 2014. I called Seterus in XX/XX/XXXX to request that they mail me a copy of the XXXX that was issued. When I did not receive it, I called again on XXXX XXXX, and again on XXXX XXXX, and again on XXXX XXXX. During the conversation on the XXXX, Seturus told me that they would fax the form to my accountant, but he never received it. I need the form so that the accountant can file the final 2014 federal tax return. Since Seterus has been unresponsive, I am requesting your assistance. Thank you.
Product: Debt collection

I have tried to dispute Convergent Outsourcing ( XXXX ) from my credit report due to Ive never had an account with them ever. Someone else had to of used my identity and Im just now looking through my credit report and trying to dispute all that Im able to thats not mine.
Product: Credit card or prepaid card

I purchased a washer and dryer from Home Depot XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX on XX/XX/XXXX. XXXX was {$1000.00} & was given 12 mon no interest if paid byXX/XX/XXXX. My XX/XX/XXXX bill has interest charge of {$320.00} for this purchase for " not having paid by due date ''. I've made high monthly payments every month to pay off this amount and other small purchases. XX/XX/XXXX {$100.00}, XX/XX/XXXX {$300.00}, XX/XX/XXXX {$150.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$300.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$75.00} The total is over {$1600.00}, way over the amount due on the washer and dryer. I don't believe this amount should have been charged to me and above all never explained to me. I would have paid it off. I have a credit score of over 800 and I would never, ever pay 29.99 % I've spoken with XXXX at HD credit card services and XXXX, asst mgr at the store, but they were not able to help me. No senior mgr was available.
Product: Checking or savings account

XXXXXXXX XXXX XXXX I have a business account. I called over the phone and explained I had a XXXX I was sick last year XXXX. I noticed being charged {$16.00} a month for its like XXXX mths until now. I went to the bank and they said basically unless I have {$1500.00} a month in there they will continue to charge me. My business is part time. They have no options to help me stop this charge and Im not working. They give me only XXXX months credit now Im charged again this month. Im fed up. Something must change.