23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received a phone call at work at XXXX local time from a " local '' number. XXXX. The lady on the phone told me they have been to my house to deliver legal papers but nobody was home and I need to schedule delivery ( she told me she is a courier ). She also said she talked to my supervisor. I could either schedule delivery with her or call the office that is trying to deliver these legal documents at XXXX and give them case file XXXX and to talk to XXXX XXXX. 

I called the XXXX number. Found out it was a debt collector. They are trying to collect on a credit card debt that was past due since XXXX. The lady told me she is going to sue me and threated legal action against me. I live in California and told them this debt was past the statue of limitations and she said she never heard of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

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/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Synchrony Bank ( Wal-Mart ) is the subject of this complaint. On several occasions ( all calls were recorded on my end, in consideration of Missouri law ), Synchrony Bank has received payments, collected the funds and then not applied them to my account. Eventually, after a week of ( post collected ) funds they will post it, but not apply it to the available credit. They say, that they do not like that I make multiple payments per month to pay down the account. I pay the account in several installments to avoid accruing interest. I will be charged interest on funds they received and have collected, even though they have received the payment. There has never been a later payment. There has never been an over the limit situation, there has never been a returned payment. My account is also on auto pay in addition to what in addition I pay each month. Usually, about XXXX to XXXX payments each month, depending on my income for that month and how much the card is used. I pay all of my credit the same way, no other financial institution has an issue with how many payments are made each month. The goal of synchrony is to unlawfully collect interest on a debt based upon the unpaid daily balance in-spite of having the payment from the consumer and thereafter having evidence the payment cleared and still collecting interest unlawfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, LVNV FUNDING LLC used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. LVNV FUNDING LLC reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that yesterday, XX/XX/2022, my credit monitoring service, XXXX XXXX and XXXX both alerted me to the fact that someone who has been hacking my cell phone has applied for a {$20000.00} mortgage loan through the company One Main Financial, XXXX, PA. I was not able to call their office at that time due to being closed at that time, but notified them this morning, XX/XX/2022 and they cancelled the application but would not report the hard inquiry to the credit bureaus. I, then had to call XXXX and report the whole issue, I also initiated fraud alert with them who will notify the XXXX other bureaus. The phone number of this individual who is hacking is XXXX and the email hacker is XXXX. There is also another email hacker with a XXXX but I only know it starts with XXXX... Thank You!
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reportinXXXX! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
Product: Debt collection

Portfolio Recovery Services continues to report an erroneous tradeline on my credit reports and they additionally attempt to try to collect on it, clearly in violation of the law since they refuse to validate the debt despite my numerous attempts to get them to do so. My most recent attempts were XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

I am not liable for a debt with the XXXX  XXXX XXXX XXXX. I have no contract with XXXX  XXXX XXXX and thus it is illegal for them to be reporting on my credit report wrong, fraudulent and incorrect information on my credit report, It is a violation of the Fair Credit Reporting Act for an entity to report information on my credit report when I don't have a signed contract with XXXX  to do so. I never did not even one course or assignment with the XXXX  XXXX XXXX XXXX  but yet I am been told that I owe XXXX {$2200.00}. I have asked XXXX to provide documentation that I did an assignment with the grades assigned and they are unable to provide the information requested as I never did any assignment or courses with them and so if I didn't do any courses or assignments with XXXX then why am I being asked to pay {$2200.00} to an agency that I didn't sign a contract with? I also filed an identity theft report as I don't owe XXXX any money.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Mortgage

On XX/XX/2019 at XXXX XXXX, I received a voicemail message from my loan servicer, PennyMac to call them regarding a "problem" with my account.  I called them back and spoke with someone named XXXX.  She said that my account was approximately XXXX  short.  I don't remember the exact dollar amount.  She then said the payment was not applied correctly and for me to hold on while she had the payment applied correctly.  She then comes back on the line and says "did you get your escrow statement?"  I said yes and I sent the extra escrow payment along with the regular payment (actually, I sent more than the regular payment).  I told her that I had proof that both payments were received but she did not believe me.  She said well the amounts don't match up and we haven't received any payments.  She first said the payment was not applied correctly, but now she is saying that they did not receive "any payment".  I explained to her that I had proof that both payments were received.  She then said well you need to work that out with the Escrow Department.  I took her tone to be very condescending and disrespectful.  I was not surprised, because this is the case with just about every employee I've spoken to atg Pennymac.  I 100% dread calling there for any reason because I know the call is not going to go well.  It's as if they teach their employees how to frustrate their customers.  At any rate, she had me on hold for over 10 minutes until I had to hang up.  I go to work to work, not sit on hold while your employees disrespect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have balances with XXXX XXXX XXXX and it was turned over to XXXX XXXX collection agency. The agency has listed each account individually on my and my husbands credit report. We have total Balance of {$15000.00} from datesXX/XX/XXXX to XX/XX/XXXX. That is owed to both XXXX hospital and XXXX XXXX I Have disputed the amount of accounts listed on my credit report as many companies have advised me that this does not seem ethical to have 132 medical accounts listed individually. These accounts range from {$11.00} to {$2400.00}. I can understand putting the collection balances on my credit report but not listing it 132 times each individually. I have contacted XXXX multiple times to ask them to combine the balances into 1 or 2 balances they have responded that they will not remove the multiple listed accounts, they also advised that if I paid the balance to {$0.00} they will still be listed individually. My credit report is 30 pages long due to 132 medical accounts listed individually.
This should not be legal, it is legal to add collections to someone credit report but not list it individually like that. I have had so many people tell me that this is not legal or ethical.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity theft. I have sent all documents for over 7 months to all 3 credit bureaus for the removal of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have only received minimum responses that come over 60 days from my original investigation date. these creditors have incorrect information. XXXX XXXX XXXX have account information that is incorrect. Its reporting 30,60, 30 days late consecutively. XXXX XXXX XXXX  account was opened fraudulently in XXXX I do not have an account with this company. The rating reporting is impossible. I have never had an account with XXXX 
XXXX XXXX Account number - XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX- Account Number - XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX These company 's refuses to remove these account off my Equifax or XXXX Consumer report using erroneous letters fake validation and stall letters. This has been extremely detrimental to my credit rating,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX XXXX REPORTED ME TO EXPERIAN CONSUMER CREDIT AS BEING LATE I MADE A PHONE PMT BUT FOR SOME REASON XXXX DID NOT CAPTURE MY PMT AND REPORTED ME AS 31-59 DAYS LATE THIS IS CLEARLY INCORRECT REPORTING AND XXXX REFUSE TO FIX THE ISSUE.
Product: Credit reporting or other personal consumer reports

The issue is during when XXXX was servicing the Loan. See attached file. 

You are in violation of the law! 

As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, you are not allowed to propagate misleading information. Currently XXXX is knowingly making false and misleading statements about my student loan debt. 

As per the XXXX Emergency Relief and Student Loan guidance from the Department of Education ; all Department of Education owned loans are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. 116-136 ) and invocation of the Higher Education Relief Opportunities for Students Act of 2003 ( HEROES Act ). Based on these acts the Department of Education put for the following policies : Accrual of interest on ED-held student loans and certain non-ED-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. 
ED-held loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the 120 monthly payments required to qualify for Public Service Loan Forgiveness ( PSLF ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the nine voluntary payments required for individuals to rehabilitate their defaulted loans. 
Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended on ED-held student loans for XX/XX/XXXX, through XX/XX/XXXX. 
Multiple rules related to the 120 monthly payments required to qualify for PSLF were waived.

A one-time revision was made to the accounts of borrowers with ED-held loans to provide credit toward the IDR plan maximum repayment period for any months in which they were in repayment status and for specified periods of deferment or forbearance.

My Navient student loans were owned by the Department of Education ( proven by the Department of Education TDU approval ). As per court order ( CFPB vs XXXX XXXX ) XXXX has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. XXXX is no longer responding to my verification requests. 

XXXX is still responsible for removing incorrect and inaccurate reporting information on my credit report, in accordance with federal law and the FDCPA. 

As per CARES Act and HEROS Act any and all XXXX late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. Any and All late payment information from that time period needs to be removed immediately.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Debt collection

While residing in XXXX Il at XXXX XXXX XXXX a Credit card was opened in my name by XXXX XXXX. 
Ms. XXXX was dating my uncle which lived in the apartment below. She had access to my apartment because my uncle watched my kids at night while I worked. She would enter the upstairs apartment and use my personal computer. Which was not an issue as I thought she could be trusted. However, the moment I moved from XXXX in 2014. I started receiving mail in a different state, Informing me that I was late on payments for a XXXX XXXX credit card. I NEVER OPENED THAT ACCOUNT. Payments apparently fell behind when she no longer had access to my personal information. I moved from XXXX XX/XX/2014 and was alerted to the information by the summer of 2014. I HAVE MAINTAINED ONE CREDIT CARD AND ITS BEEN A XXXX XXXX CARD. I have ALSO made several attempts asking that she make this right/ after she admitted that she had opened the account. She begged and pleaded that I not go to the authorities. After she made no attempts to make payments. I contacted the authorities and was told I need her confession. She has also been arrested for fraudulently opening an credit in My uncle name as well. I REPEAT I DID NOT OPEN THAT ACCOUNT. 
PLEASE SEE THE VIDEO ATTACHMENT BELOW OF HER BEING ARRESTED AND ESCORTED OUT OF OUR APARTMENT BUILDING. 

https : XXXX
Product: Credit card or prepaid card

I have repeatedly tried to access my account under the name XXXX XXXX which I have been unable to access since Covid. 
Even after confirming my identity, Cashapp has refused to give me access to my account and the funds that are still being held in this account. 

I am requesting access to my funds, and my old account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted TransUnion via mail about accounts on my report wit improper dates that are misleading and i asked for removal of these accounts if they can not verify the correct information. I've gotten no response from them and they didn't delete the accounts as requested
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sevearl problems on my credit report. Unauthorized inquiries personal name is wrong previous addresses that are not mine and employers that do not belong to me. Also several accounts that are not mine and charge off and or late paymnets that need to be updates. I have attached a letter explaining this.
Product: Debt collection

My account was closed in XXXXXXXX XXXX XXXX when I was still paying on my account. They have since charged it off since I stopped paying in XXXX. I have been talking to them since the closure about my account but they have been NO help. Apple/Goldman Sachs only want full payment, even when I was told by a Goldman Sachs representative that it was closed in error. Please help me fix this situation. They have been single-handedly ruining my life. I just recently got into a car accident and need a new car but cant get approved because of the wrongful charge-off. My counselor at my credit union suggested I contact you guys because I have tried to talk to Apple/Goldman Sachs but they just keep transferring me. Thank you for the help.
Product: Checking or savings account

On Thursday I went into the Chase Bank XXXX location and ask to speak with a manager. The manager than came out and I introduced myself to him he ask me my issue I explained to him that I didnt want to discuss my issue in the middle of the bank so I ask if he had a better location to sit down and hear my concern and issue so he directed me to a cubicle and we sat I said Im mad as XXXX excuse my XXXX he replied and said I dont tolerate that language I explained to him that I wasnt directly XXXX  at him Im just a lil frustrated because I dont know whats going on with my account and my money he begin to attempt to look into my problem he ask me for the checks and Id I only had my passport. He begun to explain the polices about why checks have holds and I explained to him that I was given a date that my funds were suppose to be available of XX/XX/2022 then on that day a hold was put on my the checks until XX/XX/XXXX which seemed to be odd to me. I also explained to him that I had been on the phone with representatives and the advised me to come into a local branch So I came into this branch to get clarity the branch manager got a XXXX XXXXXXXX  with me and said did you hear what I said and I replied no because the policy he was explaining to me didnt make any sense to what was in fact going on in my current situation so I replied Im just mad as XXXX that I have to even go through this and the branch manager closed up my passport and handed me back my checks and passport and told me that he could no longer help me I asked why and he said because I keep XXXX I replied what did I say XXXX XXXX XXXX Im not directing anything towards you he still wasnt trying to hear anything I was trying to say he got up we both had words back and forth with each other I had both my phones in my hand I ended up dropping one of my phones because I had to many things in my hand and as I went down to pick up my phone the branch manager XXXX at me. So my reaction was to XXXX him back he started yelling at me he to get out the bank so I complied and left and he called the police on meXXXX Since this incident all my accounts have been closed. I was stuck in XXXX on XXXX XXXX  I havent been able to eat I have XXXX kids not have I been able to pay my bills all an inconvenience because a man decided to XXXX at a woman for needing clarity with her account. Which the branch manager admitted to the The XXXX police Department who was called out. I talked to XXXX XXXX XXXX XXXX Report # XXXX