23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 Mariner Finance knowingly and intentionally provided my personal information to a third party whom I have no personal or professional relation with. I have attempted to contact the office branch, nobody answers the phone. I have spoken with Mariner Finance customer relations specialist who told me this was inappropriate and to expect a call back from the XXXX  in an hour. I have not been contacted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a XXXX XXXX Account balance that was charged off with the IRS and received a tax benefit of a tax credit. Please find attached XXXX that shows that although XXXX card has plainly charged off this debt but failed to file a XXXX for the benefit of the debtor. Case law provides that if a creditor takes the position to charge-off of a debt owed by debtor, that they can then no longer report this debt as outstanding on debtor 's credit report as that would be INACCURATE. I request that all bureaus cease the reporting of this account on my credit report. I demand that this be deleted. I am currently homeless and it is illegally reporting this debt on my credit report after they have received the tax benefit. I never received the XXXX so I filed XXXX on behalf of XXXX as is beyond 36 month requirement to file and provide the debtor with a copy. I demand that this account is removed from TransUnion, XXXX and XXXX as it is inaccurate. 

See, e.g., In re XXXX, XXXX B.R. XXXX, XXXX ( XXXX. XXXX. XXXX XXXX ) ; XXXX Bank XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( Ct. App. XXXX ). In XXXX recent case, a federal district court found that a creditors issuance of a Form XXXX is enough to plausibly suggest that Plaintiffs indebtedness XXXX cancelled. XXXX v. XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX, at XXXX ( XXXX XXXX. XXXX XXXX, XXXX ). In making this determination, the court noted that XXXX of the XXXX identifiable events listed in XXXX C.F.R. XXXX that trigger a creditors duty to issue a Form XXXX are all forms of debt cancellation. Id. Further, some courts have reasoned that it would be inequitable to allow a creditor to pursue further collection of a debt in cases where the debtor, in reliance on the Form XXXX, includes the cancelled debt in his or her gross income when filing his or her personal income tax forms. XXXX XXXX, XXXX B.R. at XXXX ; In re XXXX, XXXX B.R. XXXX, XXXX ( XXXX. XXXX XXXX XXXX ). 

Therefore, in addition to removal of this account from all my credit bureau reporting agencies immediately, I would like to compensated damages for the reporting on my report illegally for every year that this was illegally and inaccurately reported.
Product: Credit reporting or other personal consumer reports

Under FCRA law section 605 B it is illegal to report any information without my permission on my credit report. XXXX, Transunion, XXXX they had all failed on their part I had sent documentation to them To get theses two accounts remove credit acceptance and credit collection services. I have been fighting with them about the first one for over three years, they fail to remove it without no documentation. And they fail to Remove the second one with no documentation of proof.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CONVERGENT OUTSOURCING. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. Please remove this collection from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told experian that the XXXX XXXX XXXX account, XXXX, theyre reporting is incorrect. According to the FCRA all inaccurate information must be removed and I want this removed as it is in violation of my rights! They are willingly non compliant
Product: Student loan

I made my final student loan payment to XXXX XXXX in XXXX. A XXXX or XXXX later, I began receiving letters saying XXXX was taking over my loan. Now my record is with aidvantage, who says they took over from XXXX. Here is the note I just sent to aidvantage. 

Hello, You all need to figure out how a {$12000.00} balance was transferred from XXXX to XXXX to aidvantage, when I have proof that my loans were paid off in full in XXXX. I have now contacted XXXX different agencies in the last few years about my loans. My original loans were through XXXX, and my final payoff payment was made through XXXX XXXX. There is no doubt about this, as my husband was XXXX of XXXX, and he and I were both working multiple jobs and overtime to try and pay off our debt before he XXXX, which we did. I am tired of receiving new student loan bills saying otherwise. 
About a XXXX  or more after paying off the student loans, I began receiving letters from XXXX, saying they'd taken over. I emailed them a couple of times to tell them my loans were paid off. Unfortunately, once I made the final payment, I no longer had access to any account history or communications with XXXX. In addition, my and my husband 's checking account had been changed at least once due to fraudulent debit card charges. I contacted our bank ( XXXX ), who said I could no longer get bank statements because it'd been too long. However, all of my ( at least ) XXXX student loan payments were tracked on my credit report. My emails to XXXX XXXX came back saying someone would be in contact with me soon. That never happened. Then XXXX came on board - I wrote them the same emails, and they wrote back similarly - that someone was working on it. Nothing ever happened. Then I started receiving letters from aidvantage, and I again wrote emails, to which I received similar responses - someone was working on it. 
I decided, in the absence of and inability to get my bank statements showing payments over the years, I would upload my credit report - which exactly mirrors the dates and amounts of loans which are in your system- and which shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unfortunately, your upload system would not take my pdf and I couldn't figure out how to make it smaller, so I mailed in the packet. Imagine my surprise when today I received a packet back from you, showing all of the years of charges from XXXX, XXXX, and XXXX loans ( the same loans on my credit report ) but no record of them being paid off. I am going to return your packet to you, along with another copy of my credit report, with color coding, so you can see side by side that my loans are, in fact, paid off. This is clearly an issue with software or accounting or both, from some point before XXXX took over XXXX 's job. 
My next step is to retain an attorney if these balances are not corrected. 
Please feel free to call me at XXXX if you have any questions. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

The car is paid off and ONE MAIN will not send the release of XXXX. Instead, ONE MAIN sends me repossession letters again. Ive already had them repo the car. The letter clearly stated pay the full balance, not just past due balance, or were selling your car. If I have the car in my possession, that means they gave it back to me. That must mean I paid it off. This is extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Mortgage

My mortgage was sold to SPS Servicing ( www.spsservicing.com ) by the  originator. This company does everything within their power to ensure that you can not make your payment on time. The following issues have occurred since they have became my mortgagee : 1 ) If you hang up before the phone repeats the confirmation code back to you, they will kick your payment out. 2 ) If you become two months late, they will send someone to " inspect '' your house to ensure that you are still living there and charge {$600.00} for this " service ''. 3 ) Last week I tried to make a payment online. They had already processed my payment and then the website " crashed ''. I had no way to know if they ran my payment or not. 4 ) Prior to that, I had tried to make the payment online, but they never sent me the 2nd part of the 2 part verification process. In today 's market, they know that they can not generate new business, so they do everything within their power to ensure that you can not escape them by refinancing and simply try to fee you to death. I have also asked for proof that they had the right to " inspect '' my home and add those fees to the balance. They gave me a fax number and no one ever replied. I would never do business with people this unethical and I believe that I should have some say-so in that matter. I should not be forced to do business with criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report and score has not been updated since XXXX of XXXX This is UNACCEPTABLE! I have given you numerous attempts to fix the issue at hand and you simply can not. Why is this?
Product: Credit reporting or other personal consumer reports

Experian allowed for an external source to shotgun my credit and ad multiple inquiries. When asked to investigate then they refused. When asked to investigate the issue they also refused. But law these must all be gone within 15 days as they are unauthorized and illegal
Product: Vehicle loan or lease

THIS IS NOT A DUPLICATE COMPLAINT TODAY I CALLED ABOUT MY LEASE AND LATE FEES I WAS TOLD THE LATE FEES THAT WERE ATTACHED WAS FROM XX/XX/XXXX and XXXX OF XXXX per Conversation with XXXX. 

I MADE A PAYMENT IN XXXX IN THE AMOUNT OF XXXX XXXX IS MY MONTHLY PAYMENT AND XXXX is the late fee. When I paid the account in XXXX I was not told of any late fees and was giving the amount due which is what I paid. THE PAYMENT I MADE IN XXXX OF XXXX in the amount for the late payment didnt go to the late payment they purposely put it towards the deferred payment which is not due until I turn in the lease. So the statement that she stated for me to view had the amount off my XXXX payment and a XXXX late fee that should have been credited since I was unaware of a late fee. The representative didnt state a late fee or the automated system when I call. You cant rely on mailed statements to make it to my address for me to view. I have a problem with Chase committing fraud on my account I paid the late payment that you put on the statement for XXXX PAYMENT but you turn around and applied it to the deferred payment? Its okay for them to make errors but not the consumer no its not okay its unacceptable I want the calls playback.
Product: Checking or savings account

On XX/XX/XXXX I deposited, into my Capital One savings account, a bonus check from my workplace of $ XXXX.Immediately the next day, Capital One flagged the account and put it under investigation for some reason. The account was frozen and I was not allowed to touch the funds for withdrawal. During the investigation I called Capital One to discuss why the account had been frozen and they said it was just under investigation and they would not tell me more. I ignored the problem while they were investigating the problem hoping it would only have taken a couple weeks to determine there was no issue for my money in my savings account. Throughout the investigation period, Capital One was applying the monthly interest to the amount that was in the account. Flash forward to XX/XX/XXXX and I look on the banking app and notice a withdrawal of {$2400.00} had occurred. I quickly called Capital One asking who had withdrawn the funds, since it was a frozen account, and they replied the funds had been sent to the Department of the Treasury Commonwealth of Virginia as an unclaimed account and to keep my eye on a website named XXXX to go and claim my money from the state. After this phone call, on XX/XX/XXXX, Capital One sent me a check of {$0.00} because they officially closed out my account for good so I could not access or investigate further. I contacted the claims department in the Department of the Treasury Commonwealth of Virginia and they sent me and inquiry form to fill out to determine if the money had indeed been handed over to them. The Department of the Treasury Commonwealth of Virginia received my inquiry on XX/XX/XXXX and sent a reply letter. According the Department of the Treasury Commonwealth of Virginia, I need a letter from Capital One stating the amount sent, date sent, reported name, and the account number. I have contacted Capital One 5 separate times to acquire the aforementioned letter from them and every time they say they are going to send the letter to my current address and nothing has even become of that letter. At this point since both Capital One and the Department of the Treasury Commonwealth of Virginia say they do not have my money, I am not sure where it has disappeared.
Product: Credit card

Yes, I have a Dell credit card that was used to purchase two laptops, but due to not being able to have them connect with my work system, both laptops were returned within a week of receiving them. Dell credit card was under Dell preferred accounts and they re-issued my credit on XX/XX/XXXX of XXXX  back to the original account that the payment came from Dell Comenity pay came and took the accounts over as of XX/XX/XXXX and are now stating that that account is still open theres a {$2000.00} balance on it that they are stating that I owe. A dispute was started on XX/XX/2023 to have this issue corrected. They ( comenity ) are telling me their investigation can take up to 90 days and then another additional 45 days to have it corrected on my credit report, which is almost 4 months but I have to wait with negative payments .I have sent them the information to show the credit memos to show that it was credited back and that they need to contact Dell to have the information transferred and I have not received any updates and I now have a derogatory mark on my credit report For being 90 days past payment date for an account that I dont owe money on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma told me their were pre-approved to get me to apply for offers, but in many cases, the consumers did not qualify.
Product: Mortgage

I have mortigage with Merilynch/Bank of America on my Condo+Parking in XXXX XXXX NJ since XX/XX/XXXX.  The mortigage company had missed payments of tax for the parking, but were paying tax for the condo only. The missed payments were only for the year XX/XX/XXXX. The XXXX county send me the notice of foreclosure in XX/XX/XXXX and i had just one day to pay off the amount and avoid foreclosure. I discussed with XXXX XXXX ( Bank of america ) and have not been successful to get the money back that i had to pay at the Tax office of XXXX county.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> I was notified thru CFPB Transunion deleted the inaccurate account from XXXX XXXX XXXX, which I verified personally by obtaining an updated copy of my Transunion report and it was indeed deleted. But today I received an email alert from XXXX XXXX that I had a new collection via Transunion and it was from XXXX XXXX XXXX again, the account that was just deleted but is now back on my Transunion report that also has never been proven to be a valid debt.
Product: Mortgage

There is an issue with my Mortgage Lender, Pacific Union Financial, not paying my city taxes on time. In this most recent occurrence I reached out about two months back and faxed over the necessary paper work as I normally would but this payment was still never submitted to my cities collection office. I received a letter of delinquency from my city tax collector 's office notifying me of nonpayment and communicating that my estate is going to be advertised for nonpayment of taxes and this delinquency will be published in the XXXX XXXX XXXX. In additon a lean will be held on my property. After the bank neglected to resolve this issue following my submission of the delinquent balance via fax and receiving this notification I contacted the bank and requested this be handled right away. This request was submitted on XX/XX/XXXX. I was told it could take up to XX/XX/XXXX for action to be taken. I insisted this be handled asap. After no communication or payment onXX/XX/XXXX I  called the bank and asked to speak to the manager ( XXXX XXXX ) who assisted me on the XXXX who was not available. I then asked to speak to another manager and was connected with XXXX ( XXXX ) who escalated the situation and guaranteed a call back by close of business day to provide me the status. After no return phone call, I contact the bank again on XX/XX/XXXX. Requested to speak to XXXX. She was not available. Asked to speak to her manager and no other manager was available. I was told this mater could be escalated and I will receive a call back. This needs to be resolved by tomorrow and I 'm quite certain this is not going to happen.
Product: Credit card

Syncrony Bank- Walmart Cre dit card charges daily interest not annual. I have had my account closed since  XXXX , My balance at that time was just under  XXXX  dollars of  XXXX   XXXX  dollar limit. It is now over  XXXX  dollars. They are charging late charges, yet my due cycle was changed to the  XXXX  of the month as soon as I opened the account because I am on  XXXX  and only get paid the  XXXX  - the  XXXX  depending on date  XXXX  falls on.   On my credit report it says never late, this month they claim I owe  XXXX  for a payment, The site for their credit report says annual percentage rate. The representative I talked to last month said it is daily on purchases, yet card was closed at my request.    XXXX  is no better, but more transparent,  Walmart  on the other hand has been awful from day  one on la ck of clarity and changing terms, due dates, and interest at their will with no agreement from me. I have filed a dispute with  XXXX  but no result as of yet.    Walmart said i t will take up to 60 days to adjust due dates ( again mind yo u )  and to get results of their erroneous interest charges on this closed account. I do not owe this amount, it is much lower, I have paid faithfully the minimum and a few times well over that when I closed the account. Balance should be approximately  XXXX .
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 we tried to cash our Ohio state tax refund check at PNC Bank in XXXX Oh. on XXXX XXXX XXXX XXXX XXXX. We each had our drivers licenses and we have an account with them were told we needed other XXXXXXXX. We refused to give them any other XXXX. We were in the drive through and they had a video teller. 
we called the bank manager and told them the situation and they said they had no way of knowing who we were. I told her I didn't know who I was speaking to on the video camera. She said if I used a live teller there would be no problem. We have used this bank for decades and never had a problem cashing checks until the video teller. For all we know somebody could have hacked that video caller and then they would have all our information. The manager said that's their policy. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ohio
Product: Credit reporting or other personal consumer reports

Acct Name : XXXX XXXX XXXXXXXX XXXX Bal : {$3500.00} Acct Number XXXX According to FCRA 623 ( b ) ( 1 ) ( D ), which mandates that if the results of a dispute leads to the determination that information is inaccurate, then the furnisher must report the correction or deletion to all CRAs to which the information has also been reported. Update or deletion with only the CRA that is handling the dispute is not adequate. 

XXXX has deleted this item from my report based on the information received from the creditor, Attached is the official XXXX report showing it as deleted.
Product: Debt collection

We get calls from XXXX to XXXX each day, repeatedly throughout the day, from Macy 's XXXX. They call from two different numbers, XXXX and XXXX. I usually ignore the calls but finally answered the phone one day.They claimed that I have an outstanding balance on a credit card. This was an extremely false accusation, as I explained this to the individual on the line. I was not going to give them any information related to a credit card to pay off the supposed debt. I asked that our phone number be removed from their calling list, as we are on the Do Not Call List. I also made the statement, " Operator this is the phone call. '' ( but obviously this statement does not work ), since then they seem to be calling more than before. I would like to know what can be done for these calls to stop as they are harassing and disturbing.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX. XXXX XXXX XXXXXXXX Account # XXXX. XXXX XXXX XXXXXXXX Account # XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX bankruptcy discharged Date filed XX/XX/2018 has violated my rights. 
XXXX5 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
Product: Credit card or prepaid card

I have disputed a transaction now 3 times with plenty of evidence showing that the merchant was not doing the work requested. They have denied it twice now
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard inquires that I did not do. I tried to solve it with Equifax and contacting the creditors. XXXX  hasn't replied its been over 30 days!