23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was in good standing, had some financial problems after a few deaths in the family, called asked for a deferred payment since I only owed less than {$200.00} ( XXXX more payments ) and I was n't even 1/2 through the class was told ok but they took it out of my acct any way putting my account in the negative, when I called again and asked why it happened I was cursed out, called all types of names and that I do n't want to pay. So I cancelled from credit union that they can no longer withdraw funds from my account, then that followed with more threatening phone calls until I had my number changed. Have received settlement letters with reduced price, but I wasnt even taking the class anymore and had only XXXX more payments, if they would have deferred just XXXX payment like they had agreed, instead of costing me more money in overdraft fees, I could have paid the next XXXX payments and finished the class. I paid way more than the materials and lessons I received. I even tried to tell them I would pay if I was aloud to finish the class, but that was before I was called names and receiving the threatening calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX     refu sed to provide details about an account they are reporting as charged off on my credit reports from  XXXX .   Report states it was a 39 month lease plus  XXXX  " failure to pay '' for  t  wo separa te months well after lease ended. Th e Statute of Limitatiins is long past even based on their reporting and it also is  very close to 7 years ago.        XXXX   XXXX   tol d me I could ONLY get details from a collection agency and stated specifically they refused to provide ANY information ( e.g., copy of lease agreement, type of car, amount allegedly owed, etc. ). The refusal violates th e Fair and Accueate Credit  Transactions Act.     I have had a few  XXXX  through my life and I have ALWAYS made my all of payments. All of them. I have previously tried to get information from them on the account without success. They confirmed that it was their practice to refuse to provide any details regarding items they have reported once the debt is transferred to third party agency.
Product: Credit card

In XXXX XXXX, I posted bail through XXXX XXXX XXXX for a friend who was arrested in XXXX. I paid the bail with my citibank card.About 2 months later, her case was dropped. Due to some communication issues, several months passed without my bail money being returned to me. Because I live in XXXX, and could not reach XXXX XXXX, I was afraid I might not get the money back, so I disputed the charge through Citibank. On XXXX/XXXX/XXXX, they gave e a conditional credit of {$2500.00}, and pulled those funds out of XXXX XXXX ' merchant account. About the same time, I received a check from XXXX XXXX. I called Citibank and dropped the dispute, and they reversed the credit on my account on XX/XX/XXXX. About a month later, XXXX XXXX called me to tell me that he had never gotten his money back from Citibank. I called citibank, and was told the money was in his merchant account, and it was up to his merchant bank to refund it to him. I passed the information on to XXXX XXXX,. but he called a few weeks later to say that he still could not access the funds. I called citibank again and got the same response. This cycle repeated several times. Citibank said they could not talk to his merchant bank directly. I set up a 3-way call with citibank, XXXX XXXX, and myself, during which the operator gave him a reference number to give to his merchant bank, but he still could not get the money. In XXXX XXXX, I told citibank just to credit the {$2500.00} to me, and that I would pay XXXX XXXX directly. They agreed, and said it would take about 10 business days. 2 weeks later, there was no credit on my account. I called again, and was told the money would be in my account within 48 hours. It never happened. I spoke to another supervisor at citibank who said she would research what happened and get back to me. She did n't. I spoke to another supervisor who promised to research it ; she did call back, but left a message with no information on my question and no direct line to call her back. When I called again, I was unable to access the same person I had spoken to previously. The next supervisor again insisted the money was in an escrow account for XXXX XXXX to claim, said she didnt know why I was told they 'd credit the funds back to me, and promised to mail and email me a letter stating that the funds were in escrow. She checked back with me about a week later to see if I had received the letter. I had n't. I asked her to check back again, as I could n't call her. She never called back, and I never received the letter or the email. XXXX XXXX still does not have his money. 

It seems citibank has a system designed to wear the customer down until he or she just gives up. I spoke to a different person every time I called there. There was no way to reach someone to whom I 'd already spoken. Operators who were supposed to research my questions and get back to me either never called back or gave me no information when they did. They said one thing and did another, with no way for me to follow up. I have wasted hours trying to resolve this problem, and XXXX XXXX is still out {$2500.00}.
Product: Credit card or prepaid card

I received notice on XX/XX/XXXX from XXXX XXXX, through XXXX XXXX XXXX XXXX, that a credit card account had been opened fraudulently in my name. After further investigation, I discovered the account had already accrued a debt of around $ 1,600- {$1700.00}. I discovered that this purchase had taken place online and was picked up in XXXX, CA while I remained over a 2 hour drive away in my home in XXXX XXXX. I immediately took action and reported in good faith to their fraud services department and the FTC. I also called the XXXX XXXX where the pickup took place to report it, as well as freezing my credit. I was told on XX/XX/XXXX by XXXX XXXX XXXX XXXX that the investigation would be resolved by XX/XX/XXXX. I heard nothing until XX/XX/XXXX, when I started to receive debt collection calls & notices without any further information on the resolution of the fraud claim. Their company 's representatives have still not given me a definite answer on what was happening despite repeated attempts at clarification via phone : First, stating on XX/XX/XXXX via phone call that the investigation was still ongoing and then later claiming on XX/XX/XXXX via phone call that there was no notice of a fraud claim on the account. Meanwhile, they have continued to harass me with numerous phone calls ( 3 calls a day, 6 days a week ) without offering any resolution on this clearly fraudulent account through a card service I have never had a relationship with. I have also opened a new Identity Theft Claim with the FTC on XX/XX/XXXX as this matter has clearly not been resolved.
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 NumberXXXX Account Name : XXXX Account NumberXXXX Account XXXX XXXX XXXX XXXX NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX 
Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXXXXXX has violated my rights. Or a 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

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below FORD MOTOR CREDIT CO Account Number : XXXX Charge Amount : {$23000.00} Date Opened : XX/XX/year>XXXX  Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Product: Student loan

This complaint involves the Student Loan Company Navient and fraudulent loans. From XXXX I attended the XXXXXXXX XXXX XXXX XXXX for XXXX XXXX. At the time of my studies my Student loan provider was XXXX XXXX. XXXX XXXX split into two entities XXXX of XXXX and became Navient and XXXX XXXX. See Exhibit # A from the XXXX XXXX website discussing the split. I had a delay in my studies due to owing the XXXX XXXX XXXX XXXX money. In the spring of XXXX, I met with an adviser XXXX XXXX to return to the XXXX to finish my studies. I never heard from XXXX XXXX again and later found out in XXXX of XXXX it was because the XXXX XXXX XXXX XXXX was purchased by XXXX XXXX XXXX XXXX in XXXX of XXXX. See Exhibit # B from the State of Ohio showing the XXXX XXXX XXXX XXXX was purchased in XXXX. I can not receive reparations from XXXX XXXX XXXX XXXX XXXX due to school closure. The XXXX XXXX XXXX reporting exaggerated many things but most importantly, I believe I qualify for assistance because of school closure and because credits do not transfer. See Exhibit # C an unofficial transcript from XXXX XXXX XXXX XXXX in XXXX showing no XXXX XXXX XXXX Reporting Credits Transferred. In XXXX of XXXX, I applied for a Federal Loan discharge of my loans due to school closure. See Exhibit # D a letter from XXXX XXXX XXXX saying they do not service loans for the XXXX XXXX XXXX Reporting. On XXXX of XXXX, I received a letter from Navient saying they were going to resume collections on my loans. As I just learned of my rights of the victim of a school closure in XXXX of XXXX, I could not in good conscience resume payment. See Exhibit # E Navient Letter. On XX/XX/XXXX I sent Application for Defense to Repayment ( DTR ) to Navient. See Exhibit # F Certified Mail Receipt and Exhibit # G Application for Defense of Repayment. Navient has not answered in a timely manner. One final concern, Navient was included as a creditor in Bankrupty in XXXX. Normally, student loans are not dischargeable through bankruptcy. However, since this loan amounts to a fraudulent loan, I believe an exception should be made.
Product: Credit card or prepaid card

I tried contacting a company that appeared on my credit report and I was told they do not have any information or account to be removed. The company is XXXX XXXX XXXX XXXX. I am not aware of this company and I don't own any credit Cards.
Product: Credit reporting or other personal consumer reports

Violation of 15 USC 1681 B, permissible purposes. I never gave Transunion, XXXX or XXXX written consent to report or keep reporting XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of a fraudulent account and inquiry from my credit report due to identity theft. This request is made under the provisions of 15 U.S.C. 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Account : XXXX. XXXX XXXX Account ending in XXXX o Opened : XX/XX/XXXX o Balance : {$340.00} Fraudulent Inquiry : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit card or prepaid card

My Identity was stolen and used to apply for a store credit card and purchases were made. 

The Store : Ginny 's ( Loss Prevention Phone # : XXXX ) Acct # : XXXX I contacted Ginny 's Loss Prevention Division and spoke with XXXX XXXX of this year. They required me to file a report with Identitytheft.gov I did but my account there has been closed? Not sure why?? 

Another representative at Ginny 's who I spoke with today ( XX/XX/2022 ) said to file a report with Identity Theft and return that report to them as I keep getting sent statements from them. 

My navigation of the Identity Theft website linked me here to resolve this issue- can you help me?
Product: Credit reporting or other personal consumer reports

Experian and XXXX are furnishing inaccurate information for the account XXXX. Experian is reporting XXXX days past due in the payment status, but the payment history reports XXXX  days past due. XXXX is reporting XXXX  days past due for each month throughout XXXX XXXX XX/XX/2024. This reporting is not only incorrect, but it is inconsistent and a violation of the FCRA. You are reporting that this account is open when this is incorrect. This is a closed account and has a {$0.00} balance. XXXX has since removed this inaccurate account. This is a violation of my rights as a consumer. It has been sent to XXXX  and Texas State Attorney General for the violations committed. Please note that I am the only natural person writing this statement with the help of no XXXX party. I never gave any consent to report anything on my consumer report. See the attached credit report which shows the inaccuracies.
Product: Checking or savings account

on XXXX I filed a complaint against Bank of The West.I also told them I was going to. The complaint number XXXX. As soon I did The Branch manager XXXX XXXX closed all my accounts not just the one in dispute. I had both accounts at this location for five plus years. So to punish me for standing up for my rights and forcing the bank to make the release of funds thru 4 verifications the Banker decided to punish me and closed both business accounts after banking with them for five plus years.
Product: Credit reporting or other personal consumer reports

XXXX is a merchant services business running multiple fraud schemes through multiple addresses. They claim to be part of XXXX XXXX  and have destroyed my credit while I disputed the validity of the contract running through all the fake names and addresses. I need them to remove their information completely because they do not have a real company or contract with me. There are XXXX accounts total XXXX in unsecured credit they claim are in areas for 2000 and are late. It cost me XXXX points on my experian report.
Product: Credit card

I previously filed a claim in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX and illegal debt owed. Now I have a proposition to file with same company, Capital Management Services , LP of same claim of debt not owed. I have sent numerous letters as return to sender, phone calls. i contacted XXXX XXXX XXXX, ( XXXX ) XXXX debt paid in full. per transcript. I wish to seek help in getting this resolved and seek restitution for illegal payments to both companies and threating phone calls/letters. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report inaccurate information on my credit report with Equifax, XXXX and TXXXX  without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.
Product: Money transfer, virtual currency, or money service

Im currently homeless and Ive had people send me money on Venmo to help me. {$170.00} total. I tried to transfer the money to my PayPal account and PayPal kept saying my last 4 digits of my phone number was incorrect. I changed my phone number to my new phone number and tried again and PayPal still kept saying my last 4 digits of my phone number was incorrect even tho I JUST changed it. I woke up the next day and VENMO had suspended my account. I sent them an email and chatted with 3 different people on 3 different days and my account is still suspended even after Ive submitted my photo ID and a photo of me holding my photo ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Date of Birth : XXXX
Product: Debt collection

XXXX XXXX XXXX Is reporting to XXXX, XXXX, XXXX 2 Different accounts one for {$4300.00} and {$3900.00}. I have sent dispute letters to the company, nothing has been resolved, I am 100 % sure they have the incorrect social security number and this is illegal to report false and Inaccurate information Date opened, XX/XX/XXXX and Date opened XX/XX/XXXX XXXX
Product: Mortgage

Specialized Loan Servicing LLC ( SLS ) and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, not in its individual capacity but solely as trustee ( the TRUST ) are attempting to foreclose our property without any legal standing, resorting to fraudulent and deceptive practices to commit counterfeiting and racketeering. SLS repeatedly gave us a runaround for our Qualified Written Requests for Verification of Proof of Claim, including TRUE SALE of our mortgage loan and promissory note from XXXX  XXXX XXXX XXXX ( XXXX  ) to the TRUST, power of attorney from XXXX to SLS and the TRUST to SLS. In a response dated XX/XX/XXXX, to our complaint filed with CFPB earlier, SLS again failed miserably to provide any proof or evidence that would validate a legally acceptable TRUE SALE occurred on or before XX/XX/XXXX, showing the TRUST has legal interest on our Mortgage Loan and Promissory Note which we obtained from XXXX in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
Product: Credit card

1. The Bank of America website has XXXX separate places where payments can be made. As a result, I mistakenly paid {$10000.00} XXXX on XXXX/XXXX/15. I attempted to fix this with BofA at that time but they told me they could not do anything about it. In the end, my credit union bounced the second {$10000.00} payment, which was reflected on the BofA website on XXXX XXXX ( along with a {$25.00} bounce fee, which I accept ). 
2. Throughout this period, the BofA website said that my payment due for XXXX/XXXX/15 was a NEGATIVE amount. Even after the {$10000.00} returned payment appeared on their website, the payment due never became a positive amount. In the end, I paid the {$34.00} indicated as the minimum payment on XXXX/XXXX/15. 
3. At which point, on XXXX/XXXX/15, I was charged {$53.00} for interest. On XXXX/XXXX/15, I was charged an additional {$87.00}. I expect to be charged further on XXXX/XXXX/15. 
4. I am attempting to pay the account down to XXXX to end these charges, but have not been able to do that yet. 
5. I ask that the interest charges be XXXX out. ( I will accept the {$25.00} charge for the initial check return, EVEN THOUGH this is due to the website indicating that I had not set up a payment when in fact I had. )
Product: Mortgage

During Covid in XXXX, I opted for the Forbearance the government was offering provided by my lender, who was XXXX at the time, who is currently Flagstar. I was told that I could opt to repay the loan when I sold my home and at that time the monies owed would be taken. It was my understanding that I would be paying a low amount on the loan, as I already have a mortgage with the company. It was also my understanding that this was offered to help the American People during this time. The total I owed due to the forbearance {$14000.00}. I received a bill in XXXX of XXXX and it said I owed {$26000.00} and it is 386 days past due and you could lose your home. I called Flagstar and no one knew anything about it. I was transferred several times and told dont worry about it. For the last several months, everytime I would receive a statement they would say the same thing, dont worry about it. Today I received two letters one dated XX/XX/XXXX saying I owe {$26000.00} and one dated XX/XX/XXXX saying I owe {$26000.00}. 

Today I asked to speak to the supervisor who also couldnt find my loan even with the loan number, which I had to go to their website to retrieve. The supervisor once again said, just ignore it, its going to HUD. I said, What does that mean? He stated, Oh, they're taking it over. I told him that I want it resolved today! I want it rolled into my loan, so I can pay it off. I do not want a bunch of charges added to it including mortgage insurance, taxes and XXXX knows what else!!! The supervisor that I was speaking to has transferred me to Loss Mitigation. I have been on hold for close to 45 minutes. This is absolutely unacceptable!!! I want answers and solutions!!!!! How can I get help? This is an outrage to the American People!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank is reporting a fraudulent account that I never applied for. It is linked to an address in which I have never lived.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XX/XX/XXXXaccount XXXX with XXXX XXXX XXXX. Violated my rights to Privacy 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. 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose