23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Numerous payments made over a number of years that were not applied to the intended account. Paid the account in full, via check, which clearly stated the account number and the condition of payment. The check was accepted and cashed. The check was not processed electronically and met all conditions set forth by the federal statutes. They are still attempting to collect.
Product: Vehicle loan or lease

I will enclose a breakdown of all payments which I have made and have supplied copies to PNC Bank. I have called this company almost every week sense XX/XX/2021. All I get is another agent wanting to go over the complete reason for calling and after a hour or more I get nothing. I have sent of XXXX letters trying to get a response and even sent a letter to the CEO again with no response. I have all but hired an attorney but that will be the next action I will have to take. I requested how I could get my pink slip once the loan is paid and got no answer. The last conversation I had was yet another agent which basically called me a liar and hung up on me. I want everyone to know what PNC Bank is about and to stay far away. 
I will provide my last letter and an XXXX breakdown showing all payments and balance as of XXXX. 
I have provided XXXX attachments to provide proof that what I have paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

i currently have a credit card with XXXX XXXX, the card is the XXXX credit card and the credit line is XXXX. This information is missing from my credit report.
Product: Debt collection

I Have sent written communication to LVNV Funding LLC XX/XX/2021, and I still have not received a signed contract that states I'm am the owner of this account. These two accounts are being reported on my credit report damaging my ability to obtain new credit. It has been over 60 days and yet I'm am still waiting. I demand that LVNV Funding LLC send notice to remove these Two accounts from my consumer report whom your company reports to because they are unverified and erroneous. I'm sure that LVNV Funding LLC are in violation of a few FDCPA Laws. If this doesn't get resolved, I will seek litigation to fix this problem due to stress.
Product: Credit card or prepaid card

on XXXX XXXX XXXX in XXXX sent a check and payoff letter to Citi bank. The payoff letter contained my Name, address, and account number. On XXXX Citi bank deposited the check but never applied it to my credit card. A month goes by and I got a late fee, so I go to XXXX XXXX and we do a XXXX way call and XXXX had XXXX XXXX send in a research request. A month later they said that we needed to ask for another request, which we faxed in, they also claimed that there was no letter with the check. Per XXXX XXXX policy they have to send a letter, and they gave me a copy of the letter that was sent. Then XXXX weeks ago we did another XXXX way call and they said they were in process of taking care of. Now in XXXX it has been submitted to collections. The bank could not reissue the check since XXXX deposited and already received the funds. As of right now XXXX has stole my money.
Product: Credit reporting or other personal consumer reports

Equifax is allowing the listed companies to report fraudulent information on my Consumer report. I submitted an Identity Theft report with the FTC for unauthorized inquiries on XX/XX/2024. I reported to Equifax that my personal information was being used without my consent. These inquiries and Account information were not being properly verified. Now that I have found out that my information was a part of the data breach. I am requesting the removal of the disputed accounts and my personal information from my report. 

These issues align with my complaint against all three credit bureaus and the data breach with Equifax. The bureaus have admitted that they have not removed the listed accounts or personal information. Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), the bureaus had only four days to correct these errors.

These accounts do not belong to me and should not be reporting on my Consumer credit report. 

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 card or prepaid card

On XX/XX/XXXX, I made a purchase online for a takeout prepared dinner from a restaurant for pickup on XX/XX/XXXX at XXXX XXXX. When I went to pick up the dinner on XX/XX/XXXX, the food was not ready at the assigned time. The food was not made available to me until XXXX XXXX and was not prepared but instead provided for us to cook at home. As a result, I disputed the charge on XX/XX/XXXX. The charge was made using my Chase Sapphire Reserve credit card. 

On XX/XX/XXXX, I was presented a letter from Chase that they considered the charge valid as the charge was made in person. That is factually untrue and is not disputed by the restaurant. The restaurants own documentation shows that the purchase was made online via XXXX. Chase could have only reached this decision by not actually reviewing the disputed material or reviewing in a manner that was so reckless as to not understand the undisputed facts of the situation. 

I called Chase 's dispute department to discuss their findings. I was told that I was not allowed to dispute charges for quality and lateness as long as I had been provided a product at some point. After speaking to a supervisor, she told me to send Chase a secure message in writing that I did telling them that I disputed the quality of the merchandise. I did so. At no time since sending that secure message in writing have I received any additional requests for information from Chase as to the quality of the merchandise nor any response showing that Chase had re-disputed the charge as I was told they would or otherwise considered the quality of the merchandise as part of the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been demolished by student loans that arent even in repayment yet and some were taken out when I wasnt even registered or in school. XXXX University was sued by the FTC and didnt stop committing fraud. They took loans out under my name when I wasnt in school and they have had my status as in-school for the past 2 years and I have not been in school at all. Not only do I have student loans taking up 200 % of my credit, XXXX has not stopped with trying to report more recent debt that is not mine by sending threatening collection invoices. I havent even received a degree from them. My credit score is horrible, I can not get a loan, a job, an apt , or anything to get ahead because of the school that isnt even in business anymore. Who is getting money they are billing anyway?? How do they do this to people? Im XXXX and my life is being ruined by this. I have nothing and cant get anything. The department of education, Nelnet and XXXX have done nothing in 2 years about this and now its an emergency because I am about to be homeless. I feel like Im going to have a XXXX XXXX every day because of this. Something is wrong, a multitude of people were notified about this and nothing gets done except mailing me bills and threatening letters to further destroy my credit. What is going on in this country? I need someone to help with this, exploit them and get some justice so people can live healthy lives not XXXX XXXX and XXXX   XXXX.
Product: Mortgage

We applied for COVID CARES Act Forbearance in XX/XX/XXXX and it was approved. We applied to have it extended several times and they were all approved. 

In XX/XX/XXXX we were ready to begin repayment. We requested information via phone for repayment options and were told we could do loan modification where we could get a lower interest rate without paying closing costs. The rep who told us this had our loan pulled up and could see all details. We requested this option. 

The offer came in the mail and it was the same high interest rate, with a monthly payment higher than we were paying before. We called and were told on the phone that we weren't eligible for a lower interest rate because it was a conventional loan and only FHA loans were eligible. We were told we could do deferment instead, so we asked to reject the loan modification and requested deferment. We were told to wait 7-14 business days for the paperwork to sign. 

21 days later we received a letter saying our mortgage was being transferred to a new servicer. We never received the deferment paperwork so at this time our mortgage forbearance had ended and we had no repayment plan, with a pending transfer to a new servicer. We called many times and spoke with many levels of support requesting information about why the deferment request was not processed, why the mortgage was being transferred without any forbearance or repayment plan, and every level of support told us different things. One said the deferment couldn't be processed. The next said it was already in progress and would show up with the new servicer. The next said we still had to sign something to officially accept the deferment, but that it wasn't sent and would not be sent because of the transfer. The next said they could email it to me and we could fax it back. 

At every step of the way I begged for something in writing showing that we had followed every step correctly and that this delay was their fault, to protect us from anything bad happening when the transfer happens. Every single level of support from tier one to upper level management said there was nothing they could give me in writing. 

We are now a few days away from the transfer and praying that we don't end up delinquent facing foreclosure. We do not have the funds to pay in full like they are asking. We have the ability to make monthly payments but we are not being given the opportunity to do so. We just want to bring our loan current on a repayment plan, pay for 3 months, and refinance to a lower interest rate. 

If this servicer 's actions have caused us to no longer be eligible for refinance, we will have very high very tangible financial loss.
Product: Student loan

I have been working for a XXXX XXXX since XX/XX/2009. I have been submitting information to XXXX XXXX, XXXX, and then to the XXXX  XXXX servicing ever since. I am not being credited with payments being made from roughly XXXX due to XXXX constantly putting me into deferment and forbearance status. Had they helped me learn my options especially since I already worked for a non-profit organization, I would have my loans forgiven now. My payments have always been {$0.00}. Those times that I could have been on the income based repayment plan would have benefited me and instead, I am not getting credited for those payments as they should have been. XXXX XXXX and XXXX knew what they were doing and this has been going on for so long. This is making my life difficult to say the least. I have contacted them several times about various things and they were quick to put me into deferment instead of giving me my options. This is ridiculous. They only did it that way to keep making money off of interest. I want those payments to count. I want total loan forgiveness since I have devoted my time to a job that barely pays over minimum wage in hopes that the loan providers and the government would fulfill their end of the bargain.
Product: Credit reporting, credit repair services, or other personal consumer reports

This address has pertained to a business : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX. 

has this as notice on my credit report Experian and this company has invaded my privacy ftc violation cra fiar credit act
Product: Checking or savings account

On XX/XX/year>XXXX  I deposited {$1200.00} cash into a BoA atm at XXXX XXXX XXXX in XXXX XXXX Arkansas. The machine took the money and did not deliver it to my account. I called BoA customer service over 8 times to resolve the issue, on the last call the agent stated she would not help and would deny the claim. Her agent number is XXXX. She told me to subpoena the bank if I wanted to resolve the issue. The atm has been counted and I can only believe the company has stolen the money at this point.
Product: Debt collection

This company, which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Product: Bank account or service

We purchased a home and paid cash ( not contingent to financing ) in XXXX XXXX XXXX, Florida. The SELLER chose the title company ; and in doing so, agreed to pay for the title policy and associated costs. At closing, the title company charged us ( the buyers ) a fee which we never agreed to of {$350.00} as a " processing fee ''. We argued that we had our own attorney representing us and wouldnt pay a fee to a third party company who was selected by the sellers and not by us. The title company threatened that if we didtn pay the fee, they could stop our purchase and cost us our deposit which was a large amount of money. We are pretty sure that this type of act is a direct violation of RESPA and needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX ACCT # : XXXX XXXX  ACCT # : XXXX I discovered that two child support accounts have been inaccurately reported on my credit report as consumer debts. These accounts are associated with administrative support orders and should not be classified as debts under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). The reporting of these accounts as debts is misleading and damaging to my credit profile, as child support obligations are not covered under the FDCPA. This incorrect reporting violates my rights and has negatively impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$340.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Back in XXXX on Black Friday XXXX  I order T.V. 's online for XXXX using my cash app card. Up on the day it was supposed to be delivered, i notice it was deliver in Alaska I live in XXXX XXXX, Louisiana. I got in contact with the USPS they let me know that the package i was waiting on was not the size of a 75 inch T.V. I got in contact with cash app to let them know i was scam. I did that 3 times. I haven't got any respound about my money they keep saying it decine. On XXXX XXXX I reported 2 payment for a deposit for XXXX for a deposit for a car a total of XXXX. I was not suppose to send to rest of the money until the arrive, they call me asking for more money and the car was not here. I told them i was not sending more money until the car was here still have had a respound or a refund and i ask for it. I got in contact with cash app cash this was a cash app address that i sent it to and cash app once again not do anything on helping me to get my refund back. I need help on getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Keybank put an incorrect address in my XXXX report. My address is XXXX XXXX XXXX XXXX NY XXXX. Keybank put an additional entry that says XXXX XXXX XXXX XXXX XXXX NY. This is an error that a rep put in. The address in XXXX XXXX does not exist. Keybank won't correct and I asked XXXX to put a notation in my file which they did not do. Keybank claims they verified the XXXX XXXX address. I never submitted or showed a document that I lived at XXXX XXXX XXXX XXXX XXXX. Since no document exists Keybank ins in violation of the Patriot Act and I would like to file a complaint.
Product: Money transfer, virtual currency, or money service

Customer said it to be a sports card not sent, was a fraud alert customer lied and had buyers remorse it was for a bachelor party. Also had disputed a month ago.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I opened a credit card with the company Upgrade ( upgrade.com ), and found out that they opened an account without my permission with XXXX XXXX XXXX XXXX in XXXX California I've called XXXX XXXX XXXX XXXX and they have told me twice that I can't close the account without Upgrade letting me know that credit card is closed. 

I've attempted to contact Upgrade multiple times and finally got through to a representative who said he was closing my account yesterday XX/XX/21. Today ( XX/XX/21 ) I received an email that said the account is still open but because of my credit I can't use it. 

I do not see how it is legal to open an account at a credit union using my personal financial information without my permission. Both Upgrade and XXXX XXXX will not close my accounts, after I have asked both of them to do so. 

I would like both the XXXX XXXX and Upgrade account closed. I do not trust Upgrade after they provided my financial information to a credit union without my knowledge.
Product: Mortgage

Currently, I am in a short sale process. I have a been trying to get a hold of my 2nd mortgage lender to proceed with the short sale. However, they are telling me, my real estate agent and the title company that they do n't have any information about my loan. 
Last year I started a short sale process, which I received the enclosed approval letter from the 2nd lender-Weststar Mortgage. However, do to the buyers and my previous real estate agent we were not able to go to closing. I relisted the property for sale earlier this year and we continued a new short sale process. Now, that we need the 2nd approval, we can not find the servicer or lender that has the 2nd loan. We have tried to reach to Weststar Mortgage ( who had the mortgage last year ) several times. They are not helping us and are being very rude about it. I have pulled my credit and no 2nd mortgage is reported. I went to XXXX and the MIN # is not pulling up anything. But, I am not able to sale because there is a 2nd mortgage recorded in XXXX XXXX and it 's showing up on the title search. No release has been issued for this loan. So, I am currently stuck with the and I 'm not able to sale. 
I am reaching out to CFBP for help. As I do n't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. TRANSUNION has been reporting incorrect information on my credit report for XXXX XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to TRANSUNION regarding the XXXX XXXX account, which was received by the TRANSUNION on XX/XX/2018. On XX/XX/2018, TRANSUNION responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed TRANSUNION that any automated response or e-oscar verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, TRANSUNION has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.