23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My complaint is related to the XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, Hawaii XXXX, Ph # XXXX, collecting on behalf of XXXX XXXX who is collecting on behalf of XXXX XXXX. While they never quite provided the written proof of the debt which I believe was my husbands, I conceded and paid them after attending multiple court dates on the matter. It should be noted that they have tried this on multiple occasions and after I attended multiple court dates they dropped it because they could not prove the debt as I requested. Basically they have a history of wasting peoples times going to court and then end up unable to prove there is a valid debt. 
All that aside, my complaint here is related to the practice of collecting on a debt they have already been paid on. Civil Case Number XXXX for XXXX XXXX was paid in fill with a final payment of {$130.00} brining the total paid to the full debt of {$680.00}. They sent confirmation of the case dismissed in a letter dated XX/XX/18. They then sent a letter dated XX/XX/18 asking for the same amount of money and indicated they have filed a lawsuit again. This is clear harassment and unethical practices to be paid twice on the same debt. They continued to send letters throughout the duration of the time I was attending court and paying them. Their letters never reflected payments and they continued in efforts to collect the fill amount even after accepting payments. All payments were made by check and I have copies of all returned checks. However again they confirm in the dismissal letter of XX/XX/18 that the debt is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
4. Identity Theft MACYSDSNB Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I would like for Transunion to remove one of my bankruptcy entries from my credit report. It was removed for quite a while and then all of a sudden it reappeared knocking my credit score down again. Please remove the latest bankruptcy XXXX  XXXX that has been put back onto my credit report as it has not been on my credit report ever. It should be removed.
Product: Credit reporting or other personal consumer reports

This company has defrauded, coerced and attempt to extort me the consumer.. 

There are few key violations here, As per IRS PUBLIC 4681 Charge Offs are considered canceled by the irs which means they are taxable income and can not be reported to a credit report as well as Topic 431 of the IRS which are attached below therefore they must be removed off my credit report subject IMMEDIATELY AS IT IS ILLEGAL AND INACCURATE REPORTING against a consumer Not to mention this is a case of identity theft as I do not recognize this account and i submitted a prior identity theft affidavit for the same account whihc was then re-applied to the consumer report this is egregious and gross negligence and a clear violation of my right to privacy as per privacy act of 1974. 

Please see the attached stolen identity affidavit
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

The years XXXX, or XXXX my things were stolen from a house I room mated with a friend. Her name is XXXX. I had a application filled out with the XXXXXXXX XXXX XXXX XXXX XXXXXXXX license that was taken during the time my things had disappeared. I believe thats how my identity was stolen. I had past addresses, history of work, along with all my personal information on that application. She met a man named XXXX, they are now married, he started having things showing up on his credit, and thru the XXXX XXXX. We gradually put it together and now come around present. I think my credit had already been being monitored by someone with the phone calls, and things I would see on XXXX XXXX. XXXX, XXXX  I purchased a XXXX XXXX. Then I really started seeing activity on XXXX XXXX Around XX/XX/2022 thru XX/XX/2022. XX/XX/2022 I purchased XXXX thinking I would feel a little relief. I did momentarily. I disputed a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Tx. XXXX, XXXX XXXX, credit cards, late payments with no relief. I cant access Experian to freeeze it. XXXX XXXX XXXX XXXX. We believe the suspect to be XXXX XXXX XXXX. The XXXX XXXX XXXX department is now working on it, along with XXXX XXXX XXXX XXXX Ive been a victim of identity theft and Im looking for relief. Thanks
Product: Checking or savings account

Ally Bank is not providing me with a legible copy of a processed and cleared check for {$2700.00} that was issued by them on my behalf through their bill pay service. The payee claims to have never received the check. The check was sent on XX/XX/XXXX and cleared on XX/XX/XXXX. I have requested a copy of the cleared check with an endorsement and banking information of the bank that cashed/deposited it but they have sent me two copies of a check with none of this information. As I stated before the payee claims to have not received this check. Ive spoken to at least six customer support agents and chatted with at least that many in the last two months and keep getting the run around or told the matter is resolved when it is not. Hoping for some resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to old student loans from FedLoan through the gov FAFSA program. FedLoan refuses to remove OLD negative credit reporting and late payments from my credit report, causing severely damaged credit score and also leading to bankruptcy.

Because of this i can not get approved for a credit card or for my first home purchase. Legally FedLoan is supposed to remove everything on my credit report that is more than seven ( 7 ) years old. The FedLoan student loan dates i'm referring to are from XXXX, XXXX and XXXX. We are now in the end of XXXX, approaching XXXX. There are over 20 late payments still reflected on my credit report causing my score to be low. FedLoan refuses to remove these old accounts. They are still reporting to ALL three major credit bureau 's ( XXXX, XXXX, and XXXX )
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

There is a collection agency account on my credit that I have no knowledge of. During the times that this debt was created I was incarcerated. Also the city and state are both located in XXXX Florida where I never had a residence. I have contacted them several times and provided all documents, yet this debt is still on my credit. Its show two times on my credit for the same amount, but 2 different collection agencies. 

XXXX XXXX XXXX {$1000.00} - XX/XX/XXXX Unpaid COMMENTS MEDICAL, XXXX XXXX XXXX XXXX XXXX PHOENIX FINANCIAL SE {$1000.00} - XX/XX/XXXX Unpaid COMMENTS COLLECTION ACCOUNT, XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit monitoring service ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) through my XXXX XXXX  Account. My credit score has been reported as over XXXX for over a year. My score in XXXX was listed as XXXX. In XXXX I paid off a truck loan to XXXX XXXX and as stated above my XXXX XXXX XXXX was XXXX. In XXXX I paid off a motorcycle and my score fell XXXX points from XXXX to XXXX. Also, Ive had no negative inputs ever to my report and the payoff of both the truck and motorcycle were listed as positive inputs to my report. 
I contacted XXXX XXXX and they told me that they could not reference my report and gave me the number to Experian. After talking to several people there, they did open my report and verified the information provided above, but told me they could not correct the score given, but could only remove incorrect information that is provided from the various companies. Therefore, since the information from the companies was correct they could not change the score. 
Please note that I did request to speak with an Experian Supervisor, but after waiting for some time was told that none were available. 
I feel like I have run into a brick wall in trying to correct this obvious mistake. 
I pride myself in keeping up with all aspects of my finances. 
Please let me know if there is any additional information you may need. 
Thank You in advance for helping me remedy this unfortunate situation. 
XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my consumer report. 

XXXX XXXX XXXX is reporting a collections account that shows a balance of {$97.00} to XXXX. That is inaccurate. I have no account with a balance with XXXX XXXX. This is fraud and a complete lie. PLEASE REMOVE THIS FRAUD FROM MY CREDIT REPORT IMMEDIATELY.!!!!
Product: Checking or savings account

I opened a savings account with BB & T bank in XX/XX/2018. I made a check deposit that into my savings account for a catering payment that ultimately bounced. In the process I was also making my opening deposit of {$5000.00} from my other bank account. 
The individual that wrote me the check inadvertently wrote the check from a old check book. 
All fees from the returned payment had been satisfied. BBT decided to close my savings account due to the returned check which they are refusing to refund my deposit. They are stating I have to go into a branch, which I have and have gotten the run around about getting my money back from different employees/managers in the bank.

BB & T is illegally holding my funds. BBT has no right to holds these funds. I would like to know what law or banking regulation that gives them the right to confiscate someones money and not communicate with them. I was hung up on by their reps! Just an all around unprofessional business. BBT makes their own rules when it comes to your money!!! BBT NEEDS TO REFUND MY DEPOSIT!
Product: Credit card or prepaid card

There is an advertisement and a pre-approval form which states that you can " see if you're pre-approved with no harm to your credit. '' It states, " it's fast and secure '' and " there is no impact to your credit. '' A little further down it lists the " benefits '' and the first two benefits each have a footnote. 

Upon learning that I was pre-approved it immediately tells you to complete the application to apply, which I did. Immediately thereafter, I received a notice of a hard inquiry on my credit report and my credit score immediately dropped 8 points!!! 

I immediately contacted Discover at XXXX and spoke with XXXX ( who was very nice ). Unfortunately, however, XXXX was unable to assist with the issue, explaining that upon speaking with his supervisor there was nothing they could do and that they are sorry it is not more clear that it was a two-part process and that only during the pre-approval phase would there be " no harm to your credit. '' I believe that in the same manner they have the footnotes which provide additional detail and transparency with regard to the " benefits '', they should also have a footnote that would provide true transparency that if you choose to apply AFTER you have have been pre-approved, the second step or the completion of step two will result in a hard inquiry on your credit report. Had I known there would be a hard inquiry on my credit report I would NOT have applied. Discover wasn't my first choice. 

You can view the offer by going to the following link : https : //www.discovercard.com/application/website/prequal # prequal-match-disclosure I am angry. I did not want a hard inquiry on my credit report.
Product: Debt collection

Re : Account Number XXXX Original Lender : LVNV Funding LLC Original Balance : {$820.00} Current Balance : {$900.00} Dear LVNV Funding LLC, I am writing to request validation of the alleged debt associated with the above account number. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I demand that you provide the following documentation : 1. Original contract or agreement.

2. Proof of assignment or transfer of debt.

3. Verification of the debt amount.

4. Proof of my liability for the debt.

5. Any relevant accounting or payment records.

Please confirm : 1. Date of last payment.

2. Amount paid. 
XXXX. Date account was charged-off. 

Provide documentation from the original creditor, XXXX XXXX BXXXX XXXXXXXX, demonstrating : 1. Assignment or sale of debt.

2. Authority to collect.

This request is made pursuant to : 1. Fair Debt Collectio
n Practices Act ( FDCPA ) 2. Fair Credit Reporting Act ( FCRA ) Failure to provide the requested documentation within 30 days will result in : 1. Disputation of the debt with XXXX, XXXX, and XXXX. 
2. Potential reporting violations. 
Validate this debt or consider it disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year USAA Bank corrected some of thier mistakes on my credit report however due to them reporting the repossessed car 90 days late 44 times per a current report my score continues to be affected. I am obtaining reports from several banks that have run my credit, overcharged interest, or denied a loan due to this mistake.. In light of recent events I am requesting that this mistake be corrected as well. I am also demanding that USAA refinance the truck loan that was taken in XXXX of this year at a very high interest rate due to thier mistake.. I am also demanding that USAA REFINANCE my home that has now been denied due to thier erroneous mistake following the dispute that was made by me last XXXX. As they responded in my earlier complaint they admitted to wrongly reporting information that the car was still unpaid. Until USAA corrects the reporting my score will continue to be grossly miscalculated. I have met with an attorney here in AZ and he did suggest this contact one more time to see if we can resolve this matter without legal action. I am tired of this problem that I did nothing to create. The refinance amount that I was approved for latest year before USAA falsely reported this account was XXXX. This was to be a cash out refinance to pay off student loans and complete the remodeling of our home. Since this is USAA 's mistake they should have to fix the problem this is the only way that I will accept closure of this issue. Failure to resolve this in a timely manor will result in further legal action and unnecessary court fees to USAA. THEY CLAIM TO TAKE CARE OF VETERANS AND THIER FAMILIES FOR LIFE YET THEY HAVE DONE NOTHING BUT XXXX UP MY CREDIT FOR THE LAST 2 AND A HALF YEARS.
Product: Student loan

In XXXX XXXX I filed for a Ability to benefit discharge request with XXXX for my 2 federal student loans. fast forward to XXXX XXXX XXXX XXXX i received the FIRST communication about the request and that my 2 loans are now in default. ECMC ( the guarantor ) of my two loans paid XXXX off without my knowledge and put them into default. My loans have NEVER been late or missed payments. ( always have had an income based repay plan of {$0.00} per month or deferments ) When i received the letter from ECMC all i received was a notice of default. Nothing about my ability to benefit discharge request. I immediately got in contact with their Ombudsman who i spoke with in XXXX XXXX, XXXX and she told me i was sent a " borrower statement of intent '' and a denial letter in XXXX XXXX ( which i never received ) this Borrower form is supposedly crucial to the process of the discharge requests and since mine was denied, i have to either ask for a dept of ed appeal or acknowledge my loans within 30 days of this letter. This information was not received nor was it sent out with any sort of certified mail ( Why would you send something so important without tracking? ) The ombudsman sent me my file, told me to fill out that borrower form and return it to her as soon as possible ( which i did -- sent back to her on XXXX XXXX XXXX ) I asked for the Dept of Ed appeal. The form also specifically states if your appeal is denied your loans will be returned to their original active repay status and refer back to the lender ( which ECMC has refused to do/did not do ) I have a full paper trail proving the status of my loans prior to ECMC 's error ( they were not in late pay status or anything ) Now i have TWO collection accounts listed on my credit, has dropped over 100pts and cost us a home purchase. Dealing with ECMC is near impossible, they want money or nothing. I should not have to pay for their error. I want my loans put back to their status and back with the servicer and not as a collection account. I have tried going through the federal level ombudsman, i have tried going through the credit bureaus since they are reporting incorrect information. I refuse to try to " rehab '' my loans becuz they were never at the point of being close to Defaulted.
I am including a copy of the Borrower form, highlighting the paragraph. copies of my statements from XXXX showing i was on an Income based repay plan until XXXXXXXX XXXX XXXX ( amount per month is {$0.00} ) also an approval for a deferment until XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Capital One Account XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for a purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

After me contacting each bureau personally and creditor personally I do not see an update on my credit report. I contacted the creditor month ago XXXX regarding why a student loans was reporting not 100 % creditor then stated that everything was paid and the bureaus made a mistake on there end. Contacted the bureaus and they confirmed that they will dispute and update it they never did! They lied and keep reporting false information on my report which is against the Fcra section 609. There are wrong balances and payment dates and amounts please fix this issue ASAP I shouldnt have to wait on yall when yall going against multiple laws It was never a response! They never responded to me! or updated anything
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # 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 602A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Not being able to verify myself with my phone number, the same number I used to open my account now Im not able to access my money online or even pay my bills
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report, I am not happy to see the below items to be in inaccurate and invalidated.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$990.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$990.00} After having realized that my debit card was lost on XXXX, I have noticed 4 transactions that were placed without my authorization or consent. The transactions were placed on the dates and times listed above. I have immediately reported the card stolen and have disputed the above transactions as fraudulent. The Bank has failed to notify me in a timely manner regarding the fraud, although the account displays a pattern of large transactions within a 27 hour time frame. The XXXX XXXX did not place a security freeze on my debit card within the time that the transactions were placed, which allowed for the approval of 4 identical large transactions to acquire successful authorizations.
Product: Credit reporting

On XX/XX/XXXX, I discovered that this information from XXXX XXXX Inc had been reinserted into my credit file after previously being deleted. I was not contacted by the Credit Reporting Agency, Equifax nor had I received any correspondence within the 5 days as stated in the FCRA. I have since sent in proof of deletions and reinsertion to Equifax prior about this account and it was deleted yet again on XX/XX/XXXX then reinserted today. Attached are screenshots of my credit report on 3 separate days showing that Equifax is guilty of reinserting this information