23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On checking my credit report, I have been working with XXXX XXXX XXXX XXXX XXXX XXXX-Acct XXXX ) on paying off the debt since XX/XX/XXXX. I enrolled a total of 13 accounts with ( XXXX ). Accounts enrolled : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1500.00}. I noticed that the same accounts in which the companies were notified ( LVNV Funding LLC ( x2 ) ( on XXXX ) , XXXX XXXX XXXX  XXXX ( on XXXX ), & XXXX XXXX XXXX XXXX ( on XXXX only ) that I turned into ( XXXX ) to be paid is still on all three of my reports as collections. I have alerted the different companies several times that XXXX XXXX has the accounts and that they should contact them for payment. I even gave the companies the phone number to call. I pay ( XXXX ) every two weeks for these accounts and I feel like if I am attending to the accounts why are they showing up as collections. I will not be paying ( XXXX ) and then paying the collections companies too and they clearly have all of these accounts. Another problem is when the accounts are paid off how they are listed as being paid off on the credit reports. If I have XXXX paying these accounts off, why are they not listed as Paid as Agreed with a XXXX balance? If the accounts were settled through a company that I am paying, and they are being paid on time and as agreed with XXXX balance then why does it not state that on my credit report?
Product: Payday loan, title loan, or personal loan

I was let go in XX/XX/XXXX left with out pay and I am still waiting in that hearing XXXX board case XXXX. One main I contacted XX/XX/XXXX and asked about unemployment ins. I was surprised to be told I had no coverage. 

So the next XXXX months while On unemployment I pay On time XXXX XXXX runs low I contact branch who then tells me a differing story I go in they set up XXXX XXXX XXXX covered 6 months plus 6 months so XXXX to XXXX payments covered. XXXX XXXX. 
XXXX now covid at it peak a I call to get XXXX nd half but Im told I already used 12 months Not true But they Argue I still pay my bill altogether Im still upset XXXX I notice a pay XXXX XXXX that goes to branch but I had paid XXXX and XXXX so I contact I ask for two month s to be returned. 

They in XXXX I get XXXX They back out all the months I was forced to pay in XXXX after they errored They claim I did not call I did my phone bill shows it Recently XXXX contacts me and stated she would help me get my balance down to were it was XX/XX/XXXX. We had gone back and fourth a year they show 6 months go by where I log in to find XXXX dollars owed Yet They wont admit they did not update their system They back out XXXX Principle its not right its criminal I feel I cant pay until they correct balance and keep in mind I paid even when they error they paid XXXX. To XXXX XXXX to XXXX I was due another XXXX I never paid late until they took my principle XXXX. 
They created the issue someone needs to contact me other Than than me XXXX They say I threatened them its not true I called XXXX a XXXX XXXX after he started playing games They ruin my credit they cause the issue during covid XXXX I wont pay and I want to point out my credit shows paid in time yet they want to charge 213 days of interest But they admit mistakes were made just not all of em How do they re pay XXXX plus XXXX add inters that amounts to what they are admitting they caused Please call me before you accept the lies from thrm.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions on the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follow : 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

WC Koalafi {$710.00} XX/XX/2022 Fraudulent activity Debt on credit report is not my debt with collection agency. No collection contract between said agency. No original contract has been provided. I am disputing this debt, revoking all harassing calls text email that may result in contacting CFPB reporting violations by said company. Requesting validation, also purchase agreement. Furthermore WC Koalafi is in violation of consumer laws 12CFR1006.34 ( b ) ( 5 ) 12CFR1006.34 ( c ) ( 4 ) ( i ) 12CFR1006 ( d ) 15USC1681-S2 ( 7 ) ( a )
Product: Vehicle loan or lease

I had purchased a XXXX XXXX XXXX from a dealership in XXXX. Approved me for financing. Then 6 days later, issues with paperwork. Because they could not decipher the income. Also they do not use unemployment or any business that's self employed as income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft.! I need these 2 accounts removed off my credit file IMMEDIATELY
Product: Credit card

received an email stating I owed XXXX on credit card, This is incorrect. Called credit card Paypal MC and they continued to tell me I owed XXXX. I spoke to a supervisor who said I had only made XXXX payments since XXXX 2015 which is incorrect. When I asked why they hadnt contacted me he said they called XXXX times. I did not receive any messages from them on my cell. Supervisor said " I should have recognized the number ''. I asked why should I recognize the number. Everyone receives spam calls on cell phones. I respond, at XXXX suggestion, only to calls that are known to me. After an hour of talking we still were no where about this problem. Finally I asked if had been reported to credit bureau, he said yes. I said I was told by a rep last week it was only after 60 days I would be reported. After XXXX minutes of trying to discuss this, he finally agreed I was correct. He was very hard to deal with and we got no where regarding the XXXX payment due. I told him many times it was incorrect. After XXXX hr of this difficult conversation and with no resolution, I had to get off phone to go to work. Paypal Master Card is operated by Synchrony Bank. They have been extremely difficult to deal with since opening the acct XXXX 2015. They incorrectly contacted the credit bureau with a derogatory statement, which after many calls from me then, they finally agreed to correct. If I had not called and insisted, they would not have done it. They also removed XXXX late fees charged for their mistakes. Now they are doing it again. The bank is very questionable in their dealings with me. They are trying to charge me more money than they should and at the same time demanding I 'know '' their phone number when they call sporadically any hour of the day and leave no message. This company is harassing me in regards to this credit card. I have made no late payments anywhere on any acct for the last 15 yrs.
Product: Credit reporting or other personal consumer reports

G2 solutions are reporting an alleged bankruptcy on my consumer reports and providing this information to XXXX. 

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I requesting a description of the procedure used to determine the accuracy and completeness of the information along with documentation showing who verified this information because I have proof that XXXX deleted the public record from my consumer report along with proof from the US bankruptcy court, stating that they do not verify information for credit bureaus. These credit bureaus are using other sources in an attempt to verify without following proper FCRA guidelines, and I request immediate deletion from all of my consumer reports. Please see attached documentation from XXXX and the US bankruptcy court.

The public record must be verified by the original furnisher, US bankruptcy court. The public record is not verifiable and the credit reporting agency knows this which is why they are trying to verify by going around the furnisher and looking for other sources. I know this because I received a letter from the clerks office at the U.S bankruptcy court stating they do not verify for credit bureaus. If documentation showing that this public record was verified by the furnisher can not be provided to me by this credit agency who I am told by XXXX certified that they G2 solutions verified the public record it must be deleted.
Product: Mortgage

We are an existing customer of Ditech for our home mortgage. In XX/XX/XXXX, we refinanced, via HARP and had over {$500.00} taken off our monthly payments. So we just closed one loan account and opened another within the same company. After 6 months, the Escrow Statement came and we were {$4100.00} short in the escrow account. This is impossible since we had almost {$8000.00} put on top of our mortgage when we closed on the new loan, {$3100.00} of which was allocated to the escrow account. We started calling the company in XX/XX/XXXX to have this corrected and have the escrow account analyzed and rerun. This did not happen and we got another escrow statement and now are short {$3500.00}. We also found out that our XXXX for our taxes were underreported in XXXX because at closing Ditech paid our township taxes as well as the Title Company. The town kept the monies and just kept moving it forward. However, since Ditech did not pay the entire tax amount, the XXXX is short one quarter worth of taxes - {$2000.00}. To this day we are still short that money. We called days in a row, starting on XX/XX/XXXX, one day 5+ hours on the phone going over the tax assessor information and payment history for the new loan. When the loan was closed on XX/XX/XXXX, {$3100.00} was put in the escrow account. On XX/XX/XXXX, the money was taken out of the account, putting the escrow at XXXX!!! The description next to it says " - {$3100.00} XXXX  Esc to Mortgagee Dis. '' Rep after rep and supervisor after supervisor and no one will help us resolve this. We finally got a supervisor, XXXX XXXX XXXX to give us her e : mail address so we could send the payment history from our township tax assessor and she had told me that she definitely saw the problem and would help us fix it once she reviewed the tax document. As of this date and sending 3 follow-up e : mails to her, we have not heard anything back from her. If we call the XXXX number again, we would have to start from scratch and explain the issue and it's quite complicated unless you have reviewed all the documents. As soon as we explain there is also a tax issue, without the customer rep even saying hold on, we are immediately transferred to the tax dept. that can only verify the payments that have been made to the mortgage and that's it! They can not speak to the escrow, or the gross mistake that was made as soon as the loan was closed. Also, it was explained to us, at the closing, that we would not be starting the 30 year clock over with HARP, that we would just be flipping the loan where we currently stood, which was at 20 years. Not only are we paying more, we started the clock over for 30 years and had {$8000.00} charged in closing costs, put on top of our mortgage and NO ONE at Ditech can tell us where that money went, especially the amount allocated for the escrow. The $ XXXX monthly savings for our mortgage is creeping back up to that exact amount and the hours of time spent refinancing, stress trying to get it fixed was not worth it at all. At this point, we don't know where to turn to get this resolved. Please help us to get our account corrected.
Product: Bank account or service

I think that I have been charged the {$35.00} dollars on the overdraft fees constantly. Some of the account are paid, but mostly keep getting charged the {$35.00} dollars for not having enough money on my account. Some of this accounts, I have n't given them any permission to be charging my account and I still keep getting charged for It. As of right know I owe the bank more than {$500.00} to {$600.00} dollars or more on this fees. XXXX that the Bank would give me credit on this fees, so I could get back to normal status.
Product: Money transfer, virtual currency, or money service

After two separate phone calls on XXXX and XX/XX/13 with my bank Capitol One requesting proof of a bill pay payment/check put in the mail, the bank is obviously dodging sending me this information. I was told they did not know why I have not recieved the information I requested during my first call when I was told i would receive in 48 hours. On the second call the bank supervisor could not tell me anything about my previous case other than it was on hold. All she did was open another case but refused to let me speak to the top level manager stating she was not accepting calls. I was told my check proof must be mailed and would now take be 7 to 10 business days. I have a utility bill that never recieved the payment check, past due now with late fees, of which the bank claims they sent, however seem unwilling to send me any proof and refusing me to speak with a top level manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection on my Transunion credit report over 60 days ago, and for Transunion to provide a Reasonable Investigation and Account-Level Documentation for debt collector XXXX XXXX XXXX XXXX XXXX allege debt of {$300.00}. In addition to my dispute I requested Transunion to provide original purchase contract and verify the following on the original purchase contract : Name, Address, Phone Number, Date of Birth, and Signature. Transunion did not provide original purchase contract or Validation of Debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA that Im legally obligated to pay this allege debt. Transunion failed to uphold 15 U.S. Code 1681s-2 and fraudulently stated this debt meets FCRA requirements. Transunion willfully and knowingly executed non-compliance as per FDCPA 807. False or misleading representations 15 USC 1962e.
Product: Debt collection

" XXXX XXXX XXXX XXXX '' is the original creditor and a collection agency is " Common wealth. '' According to the reports i was able to access this was opened on three different dates XX/XX/23, XX/XX/23 and another on XX/XX/23. And the amount is {$1600.00}. Ive already contacted XXXX for false collection and that no information of this debt was communicated to me by mail, email, or phone and that it suddenly appeared on my credit score. Ive contacted my hospital for records as well and ill be contacting my banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquired about an equity line of credit in  XXXX  of  XXXX  with Washington mutual Chase bank. On  XXXX / XXXX / XXXX , someone posed as me in front of a notary at the branch signed my middle name wrong and found out the branch manager  XXXX    XXXX   was n't even a notary under that commission number that show 's on the deed of trust which I never signed. This loan balance is  XXXX  as of  XXXX   XXXX ,  XXXX .  XXXX   XXXX  stole my identity to embezzle {$95000.00} dollars by doing electronic deposits from  XXXX   XXXX . The reason I say it 's embezzlement because those amounts were deposited but never charged to the equity line. I have all the evidence to show the proof of fraud. Never once did I sign or authorize  any one to u se my identity.
Product: Money transfer, virtual currency, or money service

My laptop was hacked last week and the hacker used my venmo to clear out my bank accounts. Venmo originally credited my money back when I disputed it so my bank didn't credit me, but now I've closed the account that was connected and it the money in a new amount and venmo is saying they won't unfreeze my account unless I reconnect the old account that no longer exists and give back my money they recovered from the hacker. No matter what I tell them they're running me in circles over email and have been for three days. I have screenshots of everything if needed. My mom is a XXXX  and even she doesn't understand what their problem is and why they want this money.
Product: Credit card

I received a call approximately XXXX XXXX XXXX XXXX XXXX from Bank of America ( BoA ) on my home phone number, XXXX XXXX, XXXX ; indicating that 45 minutes ago someone tried to apply for a loan using the last for digit of my social security number with BoA. XXXX indicated that it was alarming that the home address used was XXXX, Tx. He wanted to confirm if I lived in XXXX, Tx ; XXXX also gave me a Case No. # XXXX and transferred me to the Credit Bureau XXXX to speak with XXXX to canceled the application; which I was told by XXXX it was not approved and canceled before he transferred me to XXXX to canceled. It was not connecting so I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX previously had 3 accounts in my name. All sounds have since be consolidated with another company. XXXX is reporting me late in all 3 accounts from XX/XX/XXXX-XX/XX/XXXX. All accounts have never been late and have been in ibr or deferment since opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher KOHLS/CAPONE. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of KOHLS/CAPONE I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Product: Credit card

Over the span of two months ( XXXX XXXX XXXX ) someone was using my credit card to make purchases through XXXX  ( XXXXXXXX XXXX and XXXX ) without my knowledge or permission. Once my card got overdrawn and I was notified that someone was trying to make purchases toward my account I checked the mobile app and saw that I was indeed overdrawn even though I had stopped using the card altogether over a week before I was notified. I called navy federal and together with a clerk we went through my transaction history on my card and my XXXX  history and anything that was on my credit card statement but not on my XXXX  history was marked as fraud. The amount came out to {$2200.00}. After my initial fraud claim got denied I was told to get proof from XXXX such as the transaction history and send it to the bank so I did that and even though I sent my XXXX transaction history, I was told that wasnt good enough evidence for the appeal. I was then told to find other pieces of evidence and when I asked what else would suffice I was told that I would need something from XXXX stating the purchases were fraud. After talking with XXXX for a few weeks they acknowledged the fraudulent charges and said they would refund me ( they still havent after almost a month ) and I sent a screenshot of that to the bank after I still hadnt received my refund ( as I was told to do by another Navy Federal bank clerk ) but the investigator said that still wasnt enough. After asking again what I could get that would be seen as sufficient evidence I was told that there was not going to be another appeal chance and that I would have to deal with it directly with XXXX.
Product: Debt collection

The company Convergant is attempting to collect a debt which was discharged on XXXX XXXX, 2010 in my Chapter XXXX bankruptcy. The debt from the original debtor XXXX is no longer owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and I noticed the account SMALL BUSINESS ADMIN/ SBA XXXX. It is listed as a charge off. According to the IRS publication a charge off is a certificate of indebrness. A Charge off is income and you don't report income on a credit report nor did I receive a 1099C from the SBA.