23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I had a XXXX of credit through destiny credit card, in which I never received the card, I must have called 10+times about not getting my card, and why they havent updated my address. Every payment I made showed in my account that they processed at the time, but then my XXXX XXXX  would reflect somehh th ing different. For some reason wwithput explanation they cancelled my account and I dont feel that I owe when they cant explain why they would close my account. Ive tried multiple times to contact them since the closing of my account, yet no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside a  XXXX   XXXX   XXXX   XXXX    XXXX , CT  XXXX  yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I have also attached a court order showing the  XXXX    XXXX    ACCOUNTS ARE NOT MINE NOR AUTHORIZED BY MYSELF AND DO NOT FALL UNDER LEGAL CREDIT REPORTING. I DO NOT WANT TO HEAR THE COMPANY VERIFIED MY INFOR AS I NEVER LIVED OR RESIDED AT THE ADDRESSES ASSOCIATED WITH THESE ACCOUNTS. They were a result of ID Theft so obviously the SSN is matching. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question.
Accounts Reported Balance   XXXX   XXXX   XXXX   {$4600.00}   XXXX   XXXX   XXXX    {$3600.00}   XXXX   XXXX   XXXX   XXXX   {$5400.00} I do not nor am I asking for a generic response that inquiries are a matter of Record of Access to my credit report. The following inquires did not have the Legal Permissible Purpose to access my credit report and under FCRA can be disputed through the credit bureau. It is then the companys responsibility to prove permissible purpose i.e. Inquiry for credit and or employment purposes. None of the following had this permission and or permissible purpose and therefore need to be removed immediately.
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Inquires Number Thereof   XXXX   XXXX    XXXX    XXXX     XXXX     XXXX   XXXX       XXXX     XXXX   XXXX     XXXX     XXXX   XXXX     XXXX       XXXX     XXXX      XXXX      XXXX     XXXX    XXXX    XXXX    XXXX     XXXX   XXXX      XXXX        XXXX   XXXX      XXXX      XXXX   XXXX   XXXX   XXXX     XXXX     XXXX   XXXX   XXXX     XXXX     XXXX   XXXX    XXXX    XXXX   XXXX     XXXX      XXXX     XXXX     XXXX   XXXX   XXXX     XXXX       XXXX   XXXX   XXXX    XXXX
Product: Debt collection

In accordance with the Fair Debt Collection Practices Act LVNV FUNDING LLC & XXXX, XXXX, XXXX XXXX XXXX, XXXX Attorneys of Plaintiff XXXX XXXX XXXX XXXX XXXX, Florida XXXX has violated my rights. 

1.15 U. S. C. 1681 Section 602 A : States I have the right to privacy.

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

3. It is Fact that LVNV FUNDING LLC is a debt collector as defined in the Fair Debt Collection Practices Act specifically 15 USC 1692a ( 6 ) because they are attempting to collect an alleged debt. 

4. It is a Fact that LVNV FUNDING LLC is in violation of 15 USC 1692b ( 5 ) for using their logo indicating that they are in the debt collection business ( See Exhibit A/A ( 1 ) & A ( 7 ) ) 5. It is a Fact that LVNV FUNDING LLC is in violation of 15 USC 1692b ( 2 ) for stating that affiant owes an alleged debt ( See Exhibit A/A ( 2 ) A ( 5 ) & A ( 6 ) ) 6. It is in Fact that LVNV FUNDING is in violation of 15 USC 1692e ( 2 ) ( A ) for using a false and deceptive character for the alleged amount due ( See Exhibit A/A ( 3 ) ) 7. It is a Fact that LVNV FUNDING LLC is in violation of 15 USC 1692d ( 1 ) for threatening to harm my personal reputation over and alleged debt ( See Exhibit A/A ( 4 ) ) 8. Its is a Fact that LVNV FUNDING LLC is in violation of 15 USC 1692j ( a ) for intentionally furnishing deceptive form ( See Exhibit A ) XXXX. It is a Fact that LVNV FUNDING LLC is in violation of 15 USC 1692b ( 4 ) for communicating with affiant by postcard without the expressed direct permission of affiant ( See Exhibit A )
Product: Debt collection

Portfolio Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX {$1100.00} Company is reporting on all 3 credit bureaus as a collection and account.I do not have a contract with this company.I have disputed it multiple times on all 3 credit reports keep changing and reaging this account that I have never opened or signed a contract with Portfolio Recovery Services.I have been disputing this company with XXXX  , XXXX  , and XXXX  for the past 3 months.
Product: Mortgage

Please initiate an investigation of Ocwen Loan Servicing for fraudulent activities for the following reasons : Ocwen has violated two legal binding contracts, in the State of NY without authorization or consent from the parties to the contracts : ( 1 ) XXXX/XXXX Dept. of Environmental Protection [ signed XX/XX/XXXX ] ; ( 2 ) XXXX/XXXX Dept. of Finance [ signed XX/XX/XXXX ].
Ocwen has illegally initiated loans and then attached them to my mortgage payments without my authorization.
Ocwen has failed to provide any agreement ( s ) that I have signed with them agreeing to such loans.
Ocwen has failed to provide any prior notice ( s ) of its intention to provide such loans before initiating distribution to a 3rd party.
Ocwen did not provide me, the consumer, an option to accept or reject said loans.
Ocwen has failed to provide a copy of a signed application from me for such loans.
Ocwen has failed to provide or quote the New York State Law or Statue that allows it to provide loans to a consumer of which the consumer has no part in negotiating.
Ocwen has refused to reverse its illegal action after several requests.
Yours faithfully,
Product: Mortgage

Wrongful Foreclosure. 
Problem began in XXXX when we did a same-company refinance of the mortgage on our primary, single family residence in XXXX XXXX XXXX NY with XXXX XXXX XXXX XXXX THEY MISREPRESENTED THE REFINANCE LOAN TO US. Because of lower interest rates at the time, we wanted to take money out of our home to pay-off higher interest credit cards, while keeping our monthly mortgage payment the exact same. XXXX agent said no problem. So, we refinanced, only later finding out that, to keep the monthly mortgage payment the same, they ( XXXX ) were no longer taking out escrow. Hence, we were shocked when we received a real estate tax bill from the XXXX XXXX XXXX requesting payment. Penalties then began to accrue as we didnt have the resources to pay the taxes. Upon contacting XXXX, they subsequently paid the tax bill, reimbursed us the penalties levied by the town and re-wrote the mortgage, of which the monthly payment was now unaffordable. We tried to make the payments, but by XXXX we fell over two months behind. By then, because of the mortgage crisis and banking debacle, XXXX was bought out by XXXX  XXXX XXXX ( XXXX ). So, in XXXX when we discovered we were eligible for the Making Home Affordable program we applied. In a subsequent preliminary letter, XXXX informed us of our approval for the program, but never mailed us confirmation. Repeated inquiries were met with, were still processing the paperwork. Only then later to be told, Oops! We ( XXXX  ) made a mistake. You were NOT approved. Over the next two years we went back and forth with XXXX, even requesting help from the XXXX Attorney Generals office. But all fell on deaf ears. Each time we contacted XXXX, it was a different story, and the left hand didnt know what the right hand was doing. Over the ensuing years, our mortgage was sold several times first to XXXX XXXX  XXXX, then to XXXX XXXX and then finally to XXXX XXXX XXXX all the while being administered by Specialized Loan Servicing ( SLS ). During this time, my wife and I continued to try and pay the same trial monthly payment as offered by Bank XXXX XXXX in XXXX $ XXXX to SLS. Sometimes the checks were cashed by SLS, other times they were returned, uncashed. And now, as of XXXX XXXX, we have been served with papers for FORECLOSURE on our home. We know we can not live in our home for free, and want to resume payments for the property as we can, so we are exploring our options, now that my wife is almost XXXX and I, XXXX. But I wanted to file this complaint as a testament to the FRAUDULENT BANKING PRACTICES perpetrated by both XXXXXXXX XXXX XXXX and XXXX  XXXX XXXX, that have unfortunately gotten me and my wife into this unfortunate, out-of-control and very uncomfortable situation. 
Please let me know if you require any additional documentation to substantiate my claims. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE PREVIOUS ADDRESSES AND EMPLOYERS ARE NOT FACTUAL I NEVER LIVED THERE AND WORKED THIER, PLEASE REMOVE NOW
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

When the data breach happened in XX/XX/XXXX I noticed my credit went from XXXX to XXXX, I saw accounts that said authorized user that were never on my report before. I contacted Citi Bank they issued a letter and an email stating they removed me from the persons account XX/XX/XXXX however XXXX keeps putting it on my credit with the documentation from CIti and they keep putting back on. I dont understand how else to prove its not my account.
Product: Debt collection

I am being threatened with Administrative Wage Garnishment by XXXX XXXX XXXX XXXX On behalf of the Army Aand Air Force Exchange Services ( AAFES ) for an alleged debt that is almost 7 years old. The Notice of Intent was sent to an address to which I have never been affiliated, and opened by other persons, not myself, constituting disclosing the fact that I allegedly owe a debt, the amount of the debt, to whom it is allegedly owed, who I am, and other personal information. 

The address to which the Notice of Intent was sent belongs to relatives, which is how I was notified of it's improper delivery. I only became aware of the Notice of Intent this XXXX of XXXX XXXX when the letter was sent on the XXXX of XX/XX/, and my response was required by the XXXX of XX/XX/. I was not afforded proper 30 days under applicable code to respond to the Notice of Intent. 

This is a blatant violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Bank account or service

I had attempted to obtain old account statements online from Citizens Bank, and a day or so later submitting the request I received a secure message through the online portal with a list of associated fees. When attempting to respond to the message, I received an error message that my response had not been submitted, so I called customer service. Customer service informed me they could only put a new request in on my behalf, and in roughly 48 hours I would receive a phone call with fees that I was required to agree to in order for the order to be processed. Over the course of the next week I had yet to receive a call regarding fees, and I had forgotten about the request until XXXX separate packages arrived with sets of statements, XXXX for the online request and XXXX for the in person request. I immediately checked my accounts and found I had been charged {$90.00} in XXXX account and {$40.00} in a second. I called customer service yet again to resolve and I was told it would be two business days until they could review the recorded call ( this call happened on a Saturday and I was assured I would be called the following Tuesday by an employee named XXXX XXXX in Pennsylvania ). The following Friday I called because I had yet to hear back and was immediately put through to a manager who contacted XXXX directly ( which appeared to acknowledge the issue that this was well outside the norm of acceptable ). XXXX called me later Friday and told me it would be another two business days before he could review the call and offered no resolution. Last night ( the XXXX Tuesday in which a call was promised ) I finally received a call back from XXXX. He told me he had reviewed the call and felt I was aware of the fees. I directly asked him if he listened to how the call ended, where I was required to receive a call back with fee information, and he said the best they could do was take half off the expense ( which rectified the duplicate charge and nothing else ). At the end of the call XXXX refused to escalate the issue and would not give me a contact if I had further questions. As of now XXXX has only credited half of the {$90.00} charge and has not credited the other portion of {$40.00} I was promised.
Product: Student loan

I have 2 issues : 1 : I XXXX  in XX/XX/XXXX and applied for the SAVE repayment program in XXXX thru my lender MOELA because the government is not processing applications now. I called, they confirmed they received the documents in their website. The majority of my loans are still in school deferment accumulating interests. I have 4 loans from 13 in the administrative deferment since XXXX because I have been calling incessantly to resolve the issue. My XXXX published my XXXX  date correctly, I requested info from XXXX several times and it's all correct, all my classmates that applied for the SAVE program are already in the new department of education forbearance, this happens after the 60 day admin forbearance, no interest accumulating until the SAVE plan situation resolves. I'm still accumulating interests in my loans because the lender says my XXXX made the mistake, but it's not true. I have struggled to get clear information from MOHELA since XXXX. Calling them is to wait 1 hour just to hear they can not do anything. Just today I called around XXXX XXXX  ET and after 1 hour waiting they transferred me to a supervisor that sent me to voice mail. 

Issue # 2 : in XXXX I received some money and I used to pay part of my loans. XXXX. After reviewing my loans I realized they they didn't apply the money to the loans I marked on their website, wich were the ones with higher interest rates. The loans were already published in theri system that's what I was able to pay they there. They told me an excuse on why they didn't do it which I don't consider proper.
Product: Student loan

Payments or ahead even two payments ahead and still Great Lakes are taking more interest out of the payments, right now I am two months ahead and more interest is paid not toward principle and not so much going to interest.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau My name is XXXX XXXX XXXX XX/XX/XXXX Social Security Number XXXX. I pulled my credit report on XX/XX/XXXX. 

I reside at XXXX XXXX XXXX XXXX XXXX XXXX 

I noticed some accounts that I didnt authorize or approve which total in over XXXX of debt. 

Please remove the unauthorized account from my file : XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX XXXX : {$8200.00} XXXX XXXX XXXX : {$9900.00} Please send me an updated copy of my credit report. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

I have disputed the validity of a Synchrony Bank/Care Credit account on my credit Reports. I sent a dispute directly to Synchrony Bank/Care Credit in XX/XX/XXXX and received no response. I then sent disputes to all 3 credit bureaus, I sent a dispute to XXXX and XXXX in XX/XX/XXXX, and XXXX in XX/XX/XXXX. All 3 disputes came back " Verified '' from the 3 separate Credit Reporting Agencies ALL showing different information. This account is not Valid and should not be on my report. And the fact that the " past due '' dates do n't match, and the balances are different after being " verified '' prove that this was n't valid to begin with.
Product: Debt collection

A message from Harris Debt collection at phone number XXXX. No information of debt owed or address of Harris or answer of the call. I looked this blnumber and there are multiple complaints, and apparently no action to shut down this scam.
Product: Debt collection

XXXX of ERS XXXX, IL XXXX keeps calling and harassing me about a debt she can not validate. But, the debt is not in default and I have not been contacted by my creditor regarding this company. They are trolling. When I asked them to identify themselves and the nature of their business, they refused. When I told them I do not do business over the phone, they threatened me. " Then suffer the consequences! '' And, " It 's too late for all that suffer the consequences! '' She sent me a correspondence XXXX XXXX, with no knowledge of any creditor and trying to sign me up for XXXX. I have no debt in default ; I 'm six months late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion stated that I needed to provide a better picture of my license for the removal of the fraudulent items on my Transunion report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX says I owe money to XXXX XXXX and Synchrony bank!! Both accounts are paid off ; however, they refuse to correct error!!
Product: Credit card or prepaid card

On XX/XX/23 at XXXX XXXX XXXXXXXX, I called about my XXXX credit card transactions, posted on XX/XX/23, not adding up to the card balance. There was a {$150.00} overcharge discrepancy. The card balance should be {$1500.00} instead of {$1600.00}. The representative transferred me to a XXXX called XXXX, who was not professional in handling my request. She gave inconclusive answers and wouldn't offer help. So I asked to speak with her supervisor instead. Her supervisor, XXXX, was rude and impatient throughout the whole discussion. She basically ignored my dispute and hung up on me at XXXX XXXX XXXX without providing any resolution to my billing error issue. 

I was both shocked and disappointed to have been treated in this way and believe you should be aware of your employee 's actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus dated XXXXbut no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXXXXXX Balance : {$3000.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account/addresses:XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2013 Balance : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by  federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX XXXX and XXXX XXXX
Product: Credit card

On XXXX XXXX, I completed a XXXX transaction with my credit card knowing that the pound to dollar exchange rate fell to XXXX after the XXXX vote. The transaction was executed by University XXXX on the XXXX and posted by Bank of America on the XXXX. Bank of America charged me {$7100.00} for the transaction which translates to an exchange rate of XXXX. The difference in rates led to me being overcharged {$330.00} on the transaction. Even if you use the exchange rate on the XXXX ( posting date ) the difference is even higher. My credit card with B of A has a provision of no forex fees so the difference is not a fee ( I have done these before ). I was over charged at least {$330.00} on a single transaction. I have attached documentation to support. Thank you, XXXX XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

wells fargo is the recipient bank of a wire that turned out to be fraud ; The bank won't share information with me and hasn't yet replied to my XXXX XXXX XXXXXXXX regarding their findings/investigation results. They are also saying that the account holder is not responsible or not obligated to refund the money. See letter from Wells Fargo response email for claim # for wire fraud. 

Wells Fargo says they will comply with law enforcement or need a court order. 

The wire was sent for investment with XXXX XXXXXXXX XXXX private healthcare fund in XX/XX/XXXX and XX/XX/XXXX, total of XXXX XXXXXXXX. I saw earnings of XXXX XXXX by end of XXXX then again in mid XXXX, balance was XXXX XXXXXXXX in my account but by end of XXXX, website, phones and email was disconnected and they stole investors money. 

I need to know if money was sent from wells fargo to any XXXX XXXX and the XXXX XXXX name because XXXX XXXX  will refund for XXXX XXXX XXXX XXXX ;