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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable items and delete them from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

EQUIFAX is violating my consumer rights. They are fraudulently letting XXXXXXXX XXXX XXXX, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on EQUIFAX for failure to investigate as I'm a federally protected consumer. I will also be reporting both EQUIFAX and XXXX XXXX XXXX to the IRS filling out form 3949- A information referral for unreported income since EQUIFAX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and Better Business Bureau. I attached proof that XXXX XXXX XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX XXXX XXXX pays EQUIFAX to report inaccurate information and EQUIFAX refused to give me a fair investigation for their financial gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS NOT REMOVING THE FRAUDULNET ACCOUNTS FROM MY CREDIT REPORT. PER FCRA 605B ( 15 U.S.C. & 1681c-2 ) UNAUTHORIZED FRAUDULENT ACCOUNTS MUST BE REMOVED /BLOCKED WITHIN 4 BUSINESS DAYS OF RECEIPT. I HAVE SENT MU IDENTITY THEFT REPORT TO THEM NUMEROUS TIMES AND 3 XXXX  XXXX XXXX ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account BANK OF AMERICA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BANK OF AMERICA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

In XX/XX/2018 I started to get repeated phone calls in such a short period of time from the same number registered out of XXXX, Minnesota. Many times, the calls would total 4 in a 15 minute period. I figured it was a telemarketer. Throughout the month and into XX/XX/XXXX, the same pattern every other day. Soon after, the messages where asking to call back the number and ask for XXXX XXXX ( aliases ). Last week, I return to my office from lunch and there are repeated messages from the operator via the messaging center alerting me that a XXXX XXXX is attempting to call you and has called several times, " please advise ''. I call the number left and asked who are you and why do you keep calling. He stated " I will ask the questions and let 's start by your last four of social security. I said don't ever call here again. He laughed and said " grow up ''. He then hung up and called back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry on XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Mortgage

We have been processing a short sale for a client who has a mortgage through Ditech Loan Servicing ( FKA Green Tree Servicing ) since XXXX. The original offer started out at {$420000.00} and it was not accepted because the lender was not taking into consideration the effect that structural issues & damage has on the value. The home is sinking into the ground and into the lake that it is on. We have provided Ditech with several full appraisals, engineer 's reports & repair bids to substantiate this. We have had several offers since XXXX, each time lower than the last due to these issues AND this home can not qualify for any type of financing and can only be purchase with a cash buyer who is able to make the necessary repairs. Each time Ditech rejected the offers no matter what supporting information was provided. This brings us to XXXX XXXX. An offer was received for {$300000.00} after the potential buyer completed an appraisal of his own to determine what a viable offer would be ( he made the offer at full appraisal value of {$300000.00} ). Ditech did an appraisal which resulted in a value of {$330000.00} and rejected the offer. We were able to find another buyer at {$330000.00} and submitted the offer to Ditech on XXXX/XXXX/XXXX. Ditech has since done another appraisal and is now saying that in a span of less than 3 months, the appraised value has increased to over {$430000.00} and they will not be considering the current offer of {$330000.00}. They have no explanation as to the differing values and will not even discuss this any further. No one will speak with us and the assigned representative does not respond tocalls or emails as we have been trying to reach him since the offer was submitted on XXXX/XXXX/XXXX. In addition to this, Ditech throws out any documents on file once an offer is rejected, so each time a new offer is submitted, a completely new application package and all supporting documents ( such as divorce information which does not expire ) have to be resubmitted. This is extremely frustrating to the borrowers, yet they have complied with each request. Ditech has rejected several viable offers which were supported by appraisals, repair bids, engineer 's reports etc and they are moving forward with the foreclosure when the borrowers have done everything to comply with the short sale process requirements.
Product: Credit reporting or other personal consumer reports

PLEASE ALL ACCOUNTS! AS PER THE THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX DEBT BONDAGE, WHICH FALLS UNDER XXXX ACCORDING TO XXXX DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A XXXX XXXX XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Dept. of Education/Nelnet is reporting negative information on my credit reports when i was in forbearance with them to where i was not making payments, But Nelnet is reporting late payments to credit files when they shouldn't even be there due to me being in Forbearance
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I was tricked into making 5 unauthorized XXXX XXXX money transfers to the number XXXX XXXX that claimed to be my employer XXXX, as a way of verifying my identity and continue being able to transfer money from my XXXXXXXX XXXX account directly to my Citi bank account. 
According to the scammer claiming to be calling from XXXX XXXX, XXXX had received a compliant that I was impersonating a delivery driver or someone was using my account, and was also flagged for delivering food without wearing a face mask. The scammers were able convince me give them enough information through the use of text messages they generated to log into my XXXX account to extract the complete balance at the time of {$330.00} ( for which XXXX has reinstated the complete amount ) to a debit card of their own. However, they claimed that the only way to allow me to continue working for XXXXXXXX XXXX was to verify my identity through a minor money transfer using XXXX through my Citi Bank mobile app. 
They initial transactions were made to the aforementioned number, which the scammers claimed was an XXXX account which withheld no funds, and as soon as they could verify the transfer amounts they requested on their end, the funds would be immediately reversed to my Citi Bank account. 
The requested money was fraudulently transferred in five transactions in the following amounts : Transfer 1 : {$9.00} Transfer 2 : {$950.00} Transfer 3 : {$940.00} Transfer 4 : {$480.00} Transfer 5 : {$100.00} The fraudsters even asked to confirm the amount left in the account at the time in an attempt to wipe the account clean. After enough suspicion and the realization the funds were not being returned, I hung up and called both XXXX and Citi Bank to report the incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered my vehicle info and last 4 of my social into XXXX and they somehow obtained and then shared my entire social security, my contact and all my personal information with more than 5 third party companies. All of these 3rd parties then conducted a hard pull of my credit without my expressed and written permission. I've spoken to XXXX XXXX in advance and requested that these hard pulls be immediately removed from my credit and they have refused. After speaking with management, they claim that by providing the last 4 of my social I gave them permission to pull my credit but I did not. 

Somehow they were able to go through another 3rd party and obtain my personal information, somehow including my entire social security number and share it with multiple other companies who have been relentlessly calling and emailing me all with in an hour and hard pulling my credit. I did not sign any paperwork giving anyone permission to pull my credit from XXXX XXXX or any of their partners.
Product: Debt collection

I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt related.. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other applicable federal and state laws.

1. Dispute of Debt : I dispute the validity of the alleged debt, as allowed under 15 U.S.C. 1692g ( a ), which mandates that a debt collector must provide validation of the debt upon request. Until you provide the requested verification, as required under 15 U.S.C. 1692g ( b ), further collection efforts violate the FDCPA.

2. Prohibited Practices : Be advised that under 15 U.S.C. 1692d, you are prohibited from engaging in conduct that is harassing, oppressive, or abusive. This includes making repeated calls or threats, as well as contacting me through improper channels. Under 15 U.S.C. 1692e, any attempts to mislead or deceive me about the debt are also unlawful.

3. State Law Compliance : In addition to the FDCPA, I urge you to adhere to the provisions of Californias Rosenthal Fair Debt Collection Practices Act, Cal. Civ. Code 1788-1788.33 ], which provides similarly protective measures for consumers against unfair debt collection practices.

This notice serves as formal notice that any further communication regarding this matter must be conducted in writing and should only be focused on the verification of the debt. Any further attempts to collect this debt without providing validation will be documented, and I will not hesitate to file ongoing complaints with the Federal Trade Commission ( FTC ), and my states Attorney General 's office. 

Please consider this a final notice to cease all collection efforts regarding this matter until proper verification is provided. 

Thank you for your immediate attention to this matter.
Product: Vehicle loan or lease

I contacted XXXX to follow up on the account that should be reflecting as paid and its still showing a balance, which is reflecting negative on my credit report.
Product: Debt collection

Dear CFPB Staff, My name is XXXX XXXX. I am the victim of Identity Theft. My situation has been filed with the FTC and I have been fighting the results of this identity theft for decades and have had this sitation made worse by the actions of companies such as American Express and XXXX XXXX XXXX, XXXX. I am writing you for assisting having American Express 's anti-consumer behavior and with XXXX XXXX XXXX, XXXX XXXX actions in Florida. Last you I was told by an American Supervisor that the fraudulent account they have on me would finally be removed and that I would receive a call back from their fraud department. This was a blatant lie American Express trains their phone representatives to say. Instead of receiving said phone call I instead immediately received more aggressive behavior from their collection company. They are knowingly lying to consumers to throw them off guard before launching a brand new wave of collection attempts to people who have already provided them the documentation they demanded from us to prove we are the victims of identity theft. We provided what they demanded of us and they stated they would be removing the fraudulent account from my name. As for XXXX XXXX XXXX, XXXX, their behavior is not only atrocious but illegal by Florida Law. I had written XXXX XXXX XXXX, XXXX back with copies of the documentation showing the account they were instructed to collect was fraudulent within the 30 Days period they demanded. Later over the phone they would lie about us having provided the response and documentation violating the The Consumer Financial Protection Act. When I proceed to demand their staff provide the contact information XXXX XXXX XXXX, XXXX Registered Agent in Florida to have them served their staff repeatedly refused to provide said information and instead lied to me saying they were informing American Express that this account was fraudulent and that we would here back. This did not turn out to be the case. Instead XXXX XXXX XXXX, XXXX violated Florida statute 812.019 ( 1 ) committing a crime by knowingly selling this illegal account containing stolen identity to another unknowing company named XXXX. I have attached XXXX XXXX XXXX ', XXXX, XXXX 's, and American Express 's contact information with this letter. I ask for your help addressing this matter with American Express, XXXX XXXX XXXX, XXXX, and XXXX, and with forwarding this information to the government entities relating to reviewing and approving companies like XXXX XXXX XXXX, XXXX 's business license to have it and their actions reviewed to see if they should continue to be allowed doing business in Florida and the legal entity that would be responsible in enforcing Florida statute 812.019 ( 1 ) against XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

XXXX has reported two invalidated accounts on my credit report XXXX who is now in Dishonor for refusing validate an alleged debt which has been charged off. XXXX has refused to show proof of original creditor as well as ledgers proving this alleged debt was not funded by my consumer signature and social security number. 

2.LVNV funding ( Resurgent ) XXXX XXXX XXXX XXXX  XXXX Is in dishonor for refusing to validate or show any lawful contract in obligation to an alleged debt as well as XXXX XXXX XXXX XXXX Having any claim as original creditor by refusing to validate through proof of ledgers and proving consumer borrowed any lawful money and that it was not fraudulently created and funded through consumers social security card and or signature XXXX  is also publishing false information of addresss and names XXXX XXXX XXXX XXXX XXXX XXXX not even a real person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCOUNT # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates..
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I think we need to delete any incorrect accounts from my credit report. Can you review the documents? The listed accounts contain inaccuracies in reporting, amounts, and dates.
Product: Student loan

Hello, I have recently made payment arrangements to this company who promised to get me immediate student loan debt relief and have a monthly payment fee of {$0.00}. Before any further action is taken, I have been asked to pay high fees in advance of {$200.00} a month for 5 months. Out of desperation I agreed because this was a referral from a friend of ours and I really needed help dealing with my student loans.   The company I am talking about is Helping Hand Consultants :  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , California,  XXXX  ;  XXXX   XXXX   XXXX . They ma naged to get direct access and control my Federal Student AID a ccount, while sending all my information to  XXXX  in which I was completely unaware of.    XXXX  is currently being sued by the CFPB for illegally cheating borrowers, and right now they constantly send me letters asking for payments on my federal student loans. I refuse to make payments through a loan servicer accused of illegal activities.   After doing research through the department of education, I realized that all the actions this company has been doing supposedly on my behalf can be done for free. Applying for student loan forgiveness and getting my student loans consolidated should have been free using  ED 's  free resources.   Helping Hand Consultants have been giving me lots of mixed answers to my question. I requested copies of documents that show proof of the new monthly payments for my student loans, but never received them. Eventually, I have been told by a different agent there that all my paperwork are to be received from  XXXX  from now on.   Please advise as to what I must do to resolve this issue.
Product: Checking or savings account

So I have overdraft fees accrued in the total of XXXX us currency, based on another account holder who was once on my account, this account holder has their own account seperate from my account, and the charges were accrued in that account holders name my name or social is not linked to his account, and he accrued the fees on his own seperate account and the bank took all the fees and overdrafts from my account, I need them to replace my funds it was not authorized or legally acceptable. this bank is trying to hold me accountable for someone who has frauded their account that I have nothing to do with, and now they're telling me I have to close my account to rectify the situation and that is the only way he can come off of my account, and that information was not provided to me over 6 months ago when he was removed from my account, because they were sending my direct deposit info to his email, and I had to call them about that also, Now they have debited my account based on his fraud.
Product: Money transfer, virtual currency, or money service

Lending Club locked me out of my account since I cancelled the loan. They gave me until XX/XX/2020 to pay back the loan, and then they locked me out of my account. I'm facing fees from my creditors to give them their money back. I cancelled the loan because they misrepresented the terms. And I cancelled before any of my creditors were paid. They approved a loan for {$20000.00} at 16 % APR on a 3 year loan. What I got was {$19000.00} at over 22 % APR. My account even said " {$20000.00} at 16 % APR. It was a total lie, " no hidden fees '' that was a total lie. I already filed a complaint about this and since then, I've been locked out of my account. They emailed me a notice that I had to pay back the {$19000.00} by XX/XX/2020. Then they emailed me a notice that they were going to take automatic payments out starting XX/XX/2020 for {$660.00}. When I call, they leave me on hold. Doing business with these XXXX was a big mistake.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX i received money from a friend into my personal PayPal account. 
PayPal immediately red flagged my account and requested for some information regarding my identity. I provided my National ID documents and an explanation of the transactions of which i did write " from a friend '' I didn't in any way violate their User Agreement since my account is a new account and am referring to the first transaction ever on that account. 

I ask PayPal to do a thorough review on my account because i don't see an apparent reason to limit a new account that has no records violations in whatever way. 
This is what i believe after multiple request to reach out but no help till date ; XXXX. Paypal has failed to provide a full & proper explanation for my account permanent limitation XXXX. Paypal has failed to respond to our written requests asking for an explanation & immediate return of funds within a reasonable period of time ( I believe 3-5 days ) Details of previous National Identification ( ID ) XXXX. I believe PayPal has no legal authority to make judgments about the guilt or innocence of any party without following a formal & legal process where customers can challenge decisions. 

XXXX. In failing to provide me the specifics of why my account was permanently limited or the ability to challenge my account limitations I believe they have illegally applied the terms & caused damage to my daily activities for which I seek remedy & reasonable compensation. 

Sincerely, XXXX XXXX XXXX XXXX