23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/year> purchased a XXXX XXXX XXXX XXXX XXXX  on XXXX. Returned it one week later insured for a refund from Seller XXXX XXXX who did not issue refund. He also filed claim to get insurance off USPS that I paid for. Total charges {$900.00} including late fees unilaterally charged by Chase on disputed amount now have gone up to {$920.00}. 

XXXX XXXX sent secure XXXX message that he received product back and it works fine. He then lied to XXXX saying it was returned broken. XXXX and Chase reviewed the case without due diligence and possibly with malicious predatory intent to block my due refund. 

So there is still an open dispute for the remaining balance which reflects the {$820.00} i was scammed out of by XXXX and XXXX XXXX in XXXX XXXX XXXX FL, of whom I have filed federal complaint against as well as the {$62.00} return shipping plus usps insurance that XXXX XXXX also filed a claim upon XXXX his commission of mail fraud. US Postal Inspectors complaints filed twice. 

Chase bank rebilled the disputed amount one month after the chargeback since enay was involved and ignored my multiple complaint submissions through their channels now charging exorbitant late fees and predatory interest on the disputed amount in violation of XXXX XXXX. XXXX has also ignored requests for investigations and has a sordid history of fraud and criminal activity I have since discovered researching fellow scam victims
Product: Credit reporting or other personal consumer reports

This kikoff have been disputed this credit bureau for the XXXX time and have not been deleted. This kikoff account have proven to be fraud from a XXXX  XXXX and this credit bureau will not delete this fraud account. please see documents. This account need to be deleted with XXXX hours of this complaint. They failed to send me documents on how this company verified that this fraud account belong to me
Product: Credit reporting or other personal consumer reports

LVNV funding is reporting several debts on my credit file that are not mine. I have disputed this with them as well as the bureaus to notify them this is not mine. I also included a copy of the identity theft report. I am a XXXX  and someone got info and opened several accounts under my name and LVNV funding is trying to collect for three that are not mine. I have given them a chance to fix it and it's still reporting??
Product: Student loan

I submitted an application for Public Service Loan Forgiveness to Mohela in XX/XX/XXXX. I received confirmation over the phone that my application was received and processed on XX/XX/XXXX. I was also provided information to log into my newly created Mohela account. I was able to log into the account and noticed that my last name was spelled incorrectly. To be clear, my name is spelled correctly on my application but Mohela spelled it incorrectly on my account. I called Mohela and spoke to XXXX ( Customer Relations Supervisor ) on XX/XX/XXXX and she indicated that she will send an email to the department that handles the name corrections. I logged into my account again today and the name has not been corrected. I called back and was put on hold to speak with a supervisor, I was on hold for two hours and no one picked up the phone until the call dropped. I called back and once again i was put on hold to speak with a supervisor until the call dropped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX.
Product: Mortgage

I am a XXXX working on the client 's behalf. My client was facing foreclosure. On XXXX/XXXX/15 the client submitted his first payment in participation of the 90 day deferment opportunity offered by Colorado Statute. All deadlines were met and the payment was sent according to the attorney 's instructions. On XXXX the payment was rejected by the loan servicer, Nationstar. My client called Nationstar and he was told by a representative that they do not " participate '' in the 90 day deferment. I contacted the attorney, XXXX and was told it would be taken care of, and that Nationstar did not have an option to " not participate '' per Colorado statute. I instructed the client to resubmit the payment. The second payment for the second month of the deferment was sent at this time as well. On XXXX/XXXX/15, both payments were sent back to my client. I contacted the attorney again, and was told they 'd be setting up a conference call with Nationstar to get it straightened out, and to resubmit the payments. I instructed my client to do so. On XXXX/XXXX/15, we filed an intent to cure, because my client had the funds to cure the mortgage delinquency. The attorney did not respond with figures until XXXX, after a second request for the figures had been sent. My client took the payment for curing the delinquency, in person, to the public trustee 's office and cured his delinquency. On XXXX/XXXX/15, my client received both of his deferment payments back again and a letter from Nationstar saying he now owed approximately {$2000.00} more than what the cure figures stated. I have attempted to contact the attorney and have not heard back. The public trustee of XXXX County had honored the deferment, and has withdrawn the foreclosure due to the payment to cure the delinquency. But Nationstar still has my client 's mortgage in an active foreclosure, and my client is not sure what to do next OR what to do with his XXXX money orders for the 90 day deferment. XXXX of the money orders is set to expire XXXX XXXX, so he will be depositing the money back into his account. If the deferment payments would have been accepted, as they should have been, his cure figures would have been different than the amount he paid. Additionally, he will be owed back some of the fees paid in the cure payment that had not yet actually accrued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be updated as soon as possible. 
XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX  ; XXXX XXXX XXXX Balance XXXX XXXX
Product: Student loan

I have been fighting with XXXX concerning XXXX XXXX putting info on my report when I was in Bankruptcy. They kept updating my file as if they were open. The private loans were included in my XXXX bankruptcy as a hardship, That was the end. Then XXXX XXXX bought the " XXXX XXXX '' and have been trying to collect on this in previous years. Then they claim they were with XXXX loans which that was not on my paper work I signed, it stated private loans so I called XXXX and spoke with XXXX XXXX and he told me they were dissolved and another guy took over this " Bad Paper '' in XXXX. I sent to XXXX and XXXX XXXX to show where they were XXXX in my first bankruptcy due to hardship in XXXX and I have been ignored and credit report has been demolished by this company. I can not get decent living conditions. They kept threatening me into default for XXXX years and have yet to do so. I feel like I am being bullied by this company. They have a stack of my paperwork through the years. I feel they have violated the FCRA law.
Product: Payday loan, title loan, or personal loan

I contracted with XXXX in XXXX of XXXX to install a solar   system  at my residence. I financed the solar system through XXXX preferred lender, Mosaic Solar. XXXX led me to believe that they could install the system before the end of the XXXX tax year. And when the system was installed and active, I would no longer pay my utility bill, but would I would have a loan payment. On XX/XX/XXXX, I received an email from the XXXX project coordinator saying that they in the process of getting a building permit. The result was that the system was not install by XX/XX/XXXX, costing me to lose out on a portion of the federal tax credit in the amount of about {$2500.00}, in a year that I needed it. 

In XXXX and XXXX, I waited to hear from the project coordinator about the installation, making a few calls, but not receiving any answers. I finally received an email on XX/XX/XXXX from a new project coordinator, stating they were still waiting for a permit. On XX/XX/XXXX, I received two emails, one from the new project coordinator re-stating that they were still waiting for the permit, and the other, a notification from XXXX stating that they were suspending installations because of the shelter in place situation in California. 

Then, on XX/XX/XXXX, I noted a debit to my checking account from Mosaic in the amount of {$200.00}. I called Mosaic, and was informed that this was my first monthly payment on my solar system loan. Further, I was told that 50 % of the funds, some {$14000.00}, had already been distributed to XXXX. I complained that the solar system was not installed yet, had not even been started to be installed, and in fact there was no building permit applied for. They told me they were going to investigate further, and to date I have not heard anything further. I have tried calling XXXX, however, they have stoned walled me, and will not discuss anything beyond the fact that they are not doing installation until the shelter in place is lifted. 

In the meantime, I am continuing to pay my utility power bill ( ~ $ XXXX/month ) and now on top of that, a loan payment for a non-existent solar power system ( ~ $ XXXX/month ). Instead of reducing my monthly utility costs, I am now burdened with a loan for a non-existent system on top of my utility costs.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am trying to apply for a mortgage my sister 's credit card debt keeps being reported from all 3 credit bureaus. Every year I send in my birth certificate and ID and still, her credit card debt keeps being reported on my report. Her name is XXXX XXXX XXXX my name is XXXX XXXX XXXX, I am not sure why they keep getting us confused. When I call the credit card companies they state that the accounts are under my sister 's name but the credit bureaus keep reporting the incorrect debt. The credit cards listed on my credit report that are not mine are the following : XXXX XXXX  : account = : XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX
Product: Debt collection

Attempted to collect on a debt over an auto accident that did not occur. Threatening suspension of driver 's license over non payment.
Product: Student loan

When I requested information in regard to my loan, this information was not provided in the time frame they indicated. 

Furthermore, I am writing to follow up on my school misconduct application, which was submitted about 60 days ago. As of today, I have not received any response or update regarding the status of my application. I am concerned about the delay and would appreciate any information you can provide about its current status. 

The details of my application are as follows : Application Submission Date:XXXX School Name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX my account, we are approaching the deadline for my forbearance, and I have not yet received an update regarding my school misconduct application. I would like to know the status so I can take the appropriate actions.
Product: Credit reporting or other personal consumer reports

This letter is in response to a recent phone conversation initiated by the Claimant with TransUnion on XX/XX/year>. 
Please be advised that the RESPONDENT appears to be investigating all accounts in retaliation for multiple CFPB complaints submitted by the Claimant. This action seems to be an attempt to remove positive account information from the Claimant 's consumer report, causing undue distress. 
It is my contention that RESPONDENT does not have the right or permission to investigate accounts that are positively reporting and where no dispute was initiated by the Claimant. Accordingly, I request that you immediately cease the investigation of all accounts except those reporting adverse information that the Claimant has formally disputed. Please see attached NOTICE dated XX/XX/year> and all attachments for more information. 

Please note that this notice serves solely as clarification and is not intended to extend any ongoing investigation timeframes currently in progress.
Product: Debt collection

NOTICE OF DISPUTE : I am a consumer a natural living woman and i have rights under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ). Upon checking my credit report I notice that LVNV FUNDING LLC is reporting unverified information on my credit file. According to Fair Debt Collection Practices Act 15 USC 1692g ( 4 ) ( b ). It states that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. '' LVNV FUNDING LLC is obligated to cease any and all collection activities until lawful verification is obtained by providing lawful verification as required under Federal law.

Due to LVNV FUNDING LLC noncompliance I am notifying LVNV FUNDING LLC to cease from any and all communication through any medium as required under 15 USC 1692c ( c ) which includes but nit limited to credit reporting. I am demanding LVNV FUNDING LLC to cease from reporting to any and all credit reporting agencies and if LVNV FUDING fail to comply ac
cording to 15 USC 1692c ( c ) LVNV FUNDING LLC and any employee involved shall be held liable form willful and knowing noncompliance. Due to LVNV FUNDING LLC unverified information reporting I have not been able to conduct business and have been denied when initiating a consumer credit transaction when extending my credit. This have caused significant financial hardship and stress which have led to other health complication. If LVNV FUNDING fail to comply with my cease and desist order I will use any and all information provided to me as evidence against LVNV FUNDING LLC if legal actions need to be taken to protect my consumer rights. If you continue to report unverified information on my credit file causing continuous harm I will seek remedy as a result of your willful and knowing violation which you maybe held criminal liable.

LVNV FUNDING LLC have also compromised my nonpublic personal information without my express written consent which is identity theft and coercing me into paying an unverified alleged debt which maybe deemed as extortion and RACKETEERING Activities. This Cease and desist NOTICE is your final warning and proof that if you continue to violate my consumer rights and not comply I will file a complaint with the Federal Trade Commission ( FTC ) for Identity Theft and FRAUDULENT ACTIVITIES.
Product: Checking or savings account

Chime suspended my account. Ive done nothing wrong. They said I was making too much and it flagged my account. Ive proven my income, Ive proven my identity. Now nobody will reply. I have over XXXX in checks to cash from Chime that I cant access since they suspended my account. Nobody in the company will email me back to open my account back up.
Product: Credit card

Freedom chase credit card did not let me to pay the balance from the same bank account with XXXX separate payments on the same date which led to inconvenience for me as I used other bank account which was not intended for that purpose. There is nothing on the disclosure form that can support the denial of several payments from the same account to pay the balance.
Product: Debt collection

I have attempted in past in writing about this debt. They are INACCURATELY REPORTING and it is a VIOLATION of my consumer rights. I called XXXX and my first date of delinquency dated back to XXXX. Which is TEN YEARS AGO. You can only resort for SEVEN years from first date of delinquency with ORIGINAL CREDITOR. Per my reports they claim XXXX which is FRAUD! They cant change the date. 
I wrote them letters to PROVE my first delinquency was XXXX to NO RESPONSE. If they are claiming this as true, PROVE IT. Its not true and they know it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. I have disputed those account 's already for more than 30 days there have been no answer, according to the law that is result of non-verification, which requires that the above accounts be immediately removed from my credit file. 

-XXXX {$1300.00} ( opened XX/XX/XXXX ) XXXX XXXX Co {$1200.00} XXXX XXXX XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to bill me for services not rendered to me. A recent negative change in my credit report made my scores dropped and greatly impacted my ability to qualify for credit. 

If any XXXX XXXX were ever rendered, my health insurance would have covered and an EOB should have been issued based on the insurance contract agreement. 

That being said, XXXX, the collection agency has trespassed and incorrectly reported my account. This account is NOT mine and it is showing up as an active collection account.
Product: Checking or savings account

I tried to open an estate account. My father passed away in XXXX. I have the Letter of Authority from the XXXX XXXX XXXX XXXX XXXX. It has my name as XXXX XXXX because thats how my lawyer knows me. I have successfully closed all of my fathers checking accounts, credit accounts, dozens of them. Received XXXX XXXX XXXX XXXX XXXX  from several different institutions INCLUDING Chase. 

My XXXX XXXX checking account got compromised, so I decided to close all the accounts just to be safe. This included the Estate account. I decided to bring it to my checking account at Chase. So as you can tell, Ive already had a working operational estate account using that letter and the death certificate. 

I went in, they said they had to verify things with the back office. They call me back a couple of days later cause the Letter of Authority from the court says XXXX instead of XXXX, and because it doesnt have my middle name XXXX like it does on my drivers license. Ive literally pulled XXXX XXXX XXXX from these and other banks and already set up an account with a different institution and never had this issue. Now theyre saying I have get a new Letter of Authority . I am NOT spending the rest of the estates money on another lawyer because Chase cant figure out XXXX and XXXX are the same. They already had this stuff on file and accepted it. I obviously moved home after this tragedy occurred, maybe they got stuck up on the address but didnt say anything? Please see attached legal documents ( including old passport with new state ID to verify address change. But I am NOT paying to go to court for a new Letter of Authority.
Product: Debt collection

XXXX. XXXX, 2016 ( 6 yrs ) Account status Open Remarks Consumer disputes this account information Original Creditor Name XXXX XXXX {$550.00} Closed No Info
Product: Credit card or prepaid card

-my annual fee came due for statement date XXXX as per usual i call Citi to negotiate a fee reversal as i have for the past several years or a retention offer instead- the customer service agent appeared to be from a overseas call center and could not speak english well.- she did manage to offer me a retention offer that i was not interested in- i told her i already had a non annual fee Citi Mile-up American Airlines card i could get the same benefits from with no fee. i requested that my CitiBusiness/AAvantagePlatinum Select card was no longer use full and clearly stated i want the card 'CLOSED ' and my {$99.00} fee refunded per agreement -the next billing cycle i noticed the {$99.00} fee was still there and the card had not been closed or canceled - im a good customer of Citi and have several cards and have never been late.. - Citi needs to insure that there overseas call center agents can speak english and understand it clearly
Product: Mortgage

In XXXX of XXXX I fell behind in payments as a result of a divorce and reached out to Wells Fargo to advise even though my wife at the time had missed payments. Through some hard work and careful planning we were successful in selling our home in a standard sale on XX/XX/XXXX. Although we sold our home and made Wells Fargo whole, Wells Fargo is reporting on my credit report that they foreclosed on my home. The process in California to foreclose is as follows : Prior to foreclosing on a home a lender must record a Notice of Default. The Notice must remain in place for three months after which time the lender can record a Notice of Trustee Sale which can take place at public auction in no less than twenty-one days. The Notice of Default was  recorded on XX/XX/XXXX and Wells Fargo was paid in full on XX/XX/XXXX. The payoff occurred through a standard sale, Wells Fargo did not foreclose and at the time was not legally able to foreclose since the Notice of Default period had not elapsed.

This is yet another systematic failure for Wells Fargo. Wells Fargo knows they have reported foreclosures erroneously for me and several thousand other borrowers. This should be dealt with immediately and with the full force of the law. This is a shameful practice. this issue has resulted in me being rejected for credit and has caused me to pay more in interest for the credit that was granted to me.
Product: Debt collection

Results Unlimited of XXXX  XXXX, VA, Attempted to take EXEMPT funds from my XXXX pension from XXXX. 
Tried to collect wrong amount $ XXXX, and put a lien on my XXXX XXXX account, denying my access to my pension!!