23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Kramer and Frank PC used deceptive practices that violated FDCPA in collection of debt. They continue the collection on expired debt, which is a violation by falsely stating they send notice of the XXXX to XXXX through XXXX Mail, which is dated XXXX ( XXXX ) months after serving a garnishment to bank when the notice should be received prior to. This debt was purchased from XXXX XXXX Bank back in XXXX. I am an injured worker with low-income wages, receiving state assistance for food and healthcare. I have only been able to work XXXX hours per day, which is XXXX to XXXX hours a week since XXXX. I have told this to Kramer and Frank a XXXX times ; however, they continue to pursue collection. I want them to stop collection because I am not able to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 3 years, I've sent multiple disputes and complaints about a fraudulent account on my credit report and Experian failed to remove and assist me with this fraudulent account.
Product: Debt collection

I emailed Aargon Agency at XXXX requesting a debt validation notice since they sent the original collection notice to an address I no longer live. I have attached the email for your review. I sent the email with the debt validation request on XX/XX/2022 and I have received no response from Aargon Agency. Aargon Agency failed to response to my debt validation request in which they had 30 days to respond or the debt must be removed from my credit report. Their email address is validated and listed on their website. XXXX XXXX XXXX
Product: Debt collection

The company was dissolved back in 2020 due to identity theft and fraud issues, the business reported all incidents to the local slc authorities however XXXX refused to honor valid and active police reports. The debt is due to fraud and identity theft under a LLC that has been dissolved. It is illegal to obtain or seek debt collection of an LLC alleged debts from any of the members personal assets. XXXX has tried to go around the law to seek alleged collections from a dissolved LLC to obtain collection from members personal assets. Trying to enforce the law by indirectly breaking the law. The balances Knights collection are seeking there is no record of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, yesterday on XX/XX/2022, I received a credit alert from XXXX. I immediately called Transunion and XXXX for fear of fraudulent activity. I emailed XXXX also, but the response was incomplete. I locked all three credit reports. Since XXXX is a paid service, I paid {$21.00} to have access to the locking feature. XXXX told me that this has happen to many people, but how did they get access to my account information when I was never a customerof theirs? It seems as if XXXX  purchased XXXX. They sent an update yesterday.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I found a collection agency statement on my credit report. I had never been contacted by the collection agency ( XXXX XXXX XXXX ) nor by the original billing agency ( XXXX XXXX XXXX ). I contacted the collection agency and immediately paid the bill in full. I contacted XXXX XXXX XXXX  and they acknowledged that the billing had " slipped through the cracks '' and that this happens with some regularity. The account number ends in XXXX and the date of delinquency is XX/XX/2018. 
I contacted EquiFax and informed them that of the facts. They simply replied that it went to collections and is therefore reportable. 
This is a medical bill which was never sent to me, and is therefore not reportable. It was also immediately paid and by the law is also not reportable. 
This has negatively impacted my credit score and I want it removed.
Product: Checking or savings account

I received XXXX phone calls from chime on friday XX/XX/23 Gentlemen stated that my savings account in my credit builder account have and compromised that he was with The reversal department and he'd like to help set up new accounts that I. Needed to transfer funds out of the account so that they can set app new accounts for me. So, in the meantime, this has been taken care of to find out that this gentleman was. 
Fraudulent scammer He did call From XXXXXXXX XXXX phone number and when I called chime. They said that's not possible they never called people. I had no idea that when they call XXXX times and. 
You assume there's a problem so I answered the phone I only answer calls from numbers that I'm familiar with so I trusted these people. And I filed a dispute for fraudulent scamming claim. They have denied me XXXX. I sent them all the information. They said they did call so when I sent him the screenshot of the phone number which was theirs. And everything else, including a police report. I filed FTC fraud complaint. I filed in any information else. I have with the guy 's. XXXX ID so he has an account with chime and no. I'm out XXXX And they've are blaming me. They say that there's no error on their part. They refuse to refund my money. This is all I have left. I will probably soon be home less. Because that's all the money I had. Because right now I'm only working part-time due to a XXXX XXXX recovery. And I don't know what else to do. I'm upset I'm now sick. I was on the phone for XXXX XXXX XXXX XXXX XXXX again this morning with XXXX different representatives and says they can't do anything to help me. Face state, they're transferring me to the escalation. XXXX and naturally the calls keep on getting disconnected All I'm asking for is my funds to be refunded. Cause the guy is a fraud scammer and using their information And was told on Friday. That's not possible that anyone could use their phone number. I have proof it comes app on my phone because I have their number saved in my contacts list as chime and it comes app that way XXXX times I'm just looking for assistance to get in my funds. Back. I'm hoping someone can help me I'm. XXXX right now I'm by myself and have no help. I have to rely on a service to take me to and from my doctor and XXXX XXXX appointments. And I'm literally shaking right now. I am so scared of what's gon na happen.
Product: Checking or savings account

On XX/XX/XXXX Bank of America had frozen my business account and personal account. I reached out to closer department. She explained to me my account was closed due to a third party checks being deposited into my personal account and not my business account.. I explained that the funds were deposited into the wrong account and and it shouldve had my name on the check as well as my business name. The Response was I needed to call sender to request funds back, until then it will be in a holding account. XX/XX/XXXX XXXX, from Closer department. 
Im requesting for my funds to be returned to me. {$10000.00}. 

Also while my account was frozen Bank of America allowed for funds to leave my account without my consent a month after my account was frozen. I would like for {$680.00} be also refunded to me.
Product: Checking or savings account

You have already sent a couple of letters on my behalf to Key Bank. Talking to one of their fraud people today. They are not looking any further into it no matter what they are telling you. I was advised today that I should get in touch with the merchant and take it up with them. What Merchant, they have given me 2 different merchants and neither of them make any sense. One is in XXXX and the other in XXXX Texas. So which one, then at that end of the conversation the fraud agent told me maybe I should hire a lawyer. What?
Product: Checking or savings account

We have requested to withdraw our funds at which time we were informed that we couldn't do so. 

We have requested back : interest to be paid. It has not been paid ; interest to be paid on 1099. It has not been paid ; audited financials to see where our money is. It has not been provided. 

We have been in communications with the CEO of LoanSnap XXXX XXXX, XXXX XXXX. To date he has not provided a repayment schedule or tell us where our money is. 

We were not informed it's in a LLC share. 

We were told that we could withdraw at any time and that it would take 2-3 days to receive our funds. We would also keep all the returns we earned. This was false. 

We were told that the funds do not sit on their balance sheet. They are tied to the mortgages they fund and are not subject to any other creditors. This is wildly inaccurate and misleading. It is true that the funds don't sit on XXXX 's balance sheets ( except as a loan asset ) because they loan it to LSI. 

We were told that the mortgages originated act as collateral for investors ' investment. LSI will never default, because Earn will never call its LOC due because Earn is controlled by LSI. 

We were told if mortgage buyers refuse to purchase the loan, it would take an additional week. Wildly misrepresentative. We demanded withdrawal / refund of our deposits on XX/XX/year> and we have yet to receive any money. LSI won't sell the loans at a loss unless we accept the loss according to XXXX XXXX. 

We were told all principal would still be returned. We were told we would close on the loan and sell the loan into a scratch and dent market and the loss of the loan would be incurred by LSI. This is 100 % contrary to what XXXX XXXX is now telling us. 

We were told if the loans are unable to be sold, does it mean we are only able to get principal back after the loan matures. This is what we want, what was promised to us. XXXX XXXX refuses to do so stating it's not how it works that our money is subject to loss of the specific mortgages made by LSI. 

A complaint has been filed with XXXX. The complaint ID is XXXX To date, LoanSnap owes us in excess of {>= $1,000,000} XXXX and XXXX XXXX No account number was given. It is under XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX have resided at the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX for almost XXXX years now and I have an high impact inquiry on my credit report from XXXX and Ive never even had an XXXX account before. This inquiry has damged my credit score and my ability to get things. Im not sure if my address was used for this bill but it was not me XXXX created the XXXX account. Ive constantly asked that it be removed and it havent yet. If possible could you please help me. Thank you in advance!
Product: Mortgage

In XXXX of 2019 XXXX XXXX XX/XX/XXXX apparently sold my account to CitizensOne Home Loans. I was not given forwarning of this transaction. I was notified after the " sale '' had been completed. I " attempted '' to make my regularly scheduled payment. Apparently the payment was not processed properly. Almost immediately I began to receive written and phone notifications that I was delinquent on my account. I made several attempts to make phone contact with CitizensOne only to be placed.on automated holdnfor up to 30 minutes before terminated each call. 

I made attempts to make payment through the web application portal the company claims to provide only to be notified that while I am in default or delinquent I may not use this portal. This to me is refusal of payment. During a phone call that was actually answered I was informed I had to give financial information over the phone in order to clear up the issue. This is not only an unsafe practice but no reputable company makes this demand. On XX/XX/2019 I was able to make contact by phone. I spoke with a company employee named XXXX. XXXX advised that I could ignore the written threats of foreclosure I had received as they were not serious in nature. I advised XXXX that I take the written threats seriously and was actively seeking legal counsel. I advised XXXX that I would be more than willing to make larger monthly payments until this issue could be rectified. This proposal was rejected. I was advised to make a payment of the alleged arrears in full. Again I was advised that I needed to do so by giving financial information over the phone. XXXX advised that the issue of the unprocessed payment in XXXX was not something that could be rectified other than for me to make the account current by payment in full. I made the regularity scheduled XXXX payment by cashier 's check mailed to the processing center via the payment stub provided by CitizensOne.  XXXX advised that this was a bad idea. 

On XX/XX/2019 I made a payment to bring the account into " Compliance '' through the web application portal. On XX/XX/XXXX I received a packet in the mail with information for debtors in default. I also recieved another letter advising I am in default and threatening foreclosure. 

I find the actions of CitizensOne questionable at best and suspect that one or more of their business practices could constitute fraud. I would request this agency to begin an audit into the business practices of CitizensOne Home Loans.
Product: Student loan

I applied for TEPSLF in XXXX of XXXX. Seven months later, the Pennsylvania Higher Education Assistance Agency denied my application based on false claims about my income, and refused to explain their evidence or reasoning. In response to my CFPB complaint XXXX, they made blatantly false claims to justify their decision. 

Today ( XX/XX/XXXX XXXX the Department of Education reversed PHEAA 's decision, acknowledged PHEAA 's claimed numbers were incorrect, and has taken my TEPSLF application up for final review.
Product: Checking or savings account

I deposited a check for XXXX in XX/XX/2022, my account was immediately closed and to this day the funds from that check have not been returned to me. even if they took it away from my client. It has called many times to banck of America but they have not solved the problem
Product: Vehicle loan or lease

Hello Westlake, After carefully reviewing my contract from the purchase of my vehicle in XXXX You have not complied to the agreement. I still to this day do not have my registration and when i contacted the DMV, they have no records of my information or the dealership. the vehicle is still registered in the previous owner by the name of XXXX. I have submitted 11 payments and will like to Rescind the whole contract and receive my money back. Attached are all the documents and communication between the dealership owner and I. 

Sec. 348.111. BUYER 'S RIGHT TO RESCIND CONTRACT. Until the retail seller complies with Section 348.110, a retail buyer who has not received delivery of the motor vehicle is entitled to : ( 1 ) rescind the contract ; ( 2 ) receive a refund of all payments made under or in contemplation of the contract ; ( 3 ) receive the return of all goods traded in to the retail seller under or in contemplation of the contract or, if those goods can not be returned, to receive the value of those goods.
Product: Student loan

Hello on XX/XX/XXXX I called OSLA to ask for a refund back and they put in the request for a refund since XXXX XXXX. I check today and I see that my loan balance is still XXXX instead of my refunded amount and I need updates
Product: Vehicle loan or lease

I received a late pay in XXXX ... I made a payment but due to the incorrect classification of the account the payment was returned. I was never notified by the bank. The following month I go online to make a payment and there are two payments due. I immediately made ( 2 ) payments to corrrect the mistake. It was reported to credit bureau a few days later so i called 5th Third back in the hopes of getting this removed with no success. I disputed the late pay with the bureaus as I did make a payment & the money was there. 5th Third then came back and instead of the one late pay added for more that were related to a payment deferment that was processed late. The action case off as very unreasonable and spiteful. I have contacted the company and disputed all the late pays with no success as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens One billed me for a phony loan to pay for an XXXX XXXX all access purchased at XXXX. I never purchased an XXXX XXXX and and never applied for a loan to pay for the nonexistent XXXX XXXX. This was the subject of CFPB Complaint XXXX. After extensive attempts to resolve this problem with letters and phone calls, Citizens One sent me a letter on XX/XX/2021 admitting that I had been the victim of identity theft. However, they did not provide the particulars that would enable me to file a police report. Citizens One did provide a link to XXXX  XXXX  to enable me to monitor my credit report with XXXX. XXXX XXXX sent me a letter advising me that Citizens One had defamed my credit by reporting a delinquent amount of XXXX under the payment status Collection/Chargeoff. This is clearly a per se violation of the Fair Credit Reporting Act and Olympic level incompetence. Citizens One ignored its own investigation in declaring that I am delinquent by not paying them.
Product: Checking or savings account

I have been told by US Bank that my account is pending closure and that my direct deposits will not be available to me until XX/XX/2019. I explained to the bank manager that my direct deposits are used to pay my financial bills, so immediate access to my funds was necessary to avoid late charges and utilities stopping services.
Product: Consumer Loan

MY NAME IS : XXXX XXXX XXXX XXXX ) XXXXI BORROWED {$7000.00} FROM SPRINGLEAF FOR XXXX MONTHSAT {$3000.00} INTEREST FOR SAME PERIOD. I HAVE PAID TODATE {$8000.00}. I BELIEVE THAT I HAVE PAID THIS LOAN INFULL PLUS {$1000.00} IN INTEREST. 
NOW THEY ARE SAYING THAT I BORROED {$10000.00} AND I STILL OWE THEM {$2000.00}. THEY WOULD NOT TELL MEHOW MUCH OF MY {$280.00} MONTHLY PAY WAS APLY TOTHE INTEREST AND HOW MUCH WAS APPLIED TO THEPRINCIPAL. I AM ASKING YOUR HELP IN THIS MATTER. 
THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, my rights have been violated. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation.

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data.

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile.

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Debt collection

Have an balance for an apartment 3 years passed do I 'm willing to pay ONLY my half since it 's joint. First they say I could not pay just my half then they say I could then I ask for a payment arrangement since I do n't have all that money then hopefully once my half.is paid I will have gotten in touch with the other person. They told me no so I do n't understand how you want your money if you do n't work it out. All of the staff are rude I will basically say the people.over the customer service ... do n't know how to tlk to anyone anyone as anyone as of they have arrangements attitude a rang men tatting the fact to bring up how long a debt is old is ridiculous. If someone someone is willing to pay pay something off why not help ... NATIONAL CREDIT SYSTEM OF XXXX IS RUDE AND ITS RIDICULOUS
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$99.00} XXXX XXXX Balance {$3100.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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 or other personal consumer reports

In accordance with the fair credit reporting act ( XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX, XXXXXXXX XXXX acct # XXXX ) has violated my rights 15 u.s.c 1681 section 602a states i have the rights to privacy 15 u.s.c 1681 section s 604a section 2 A consumer reporting agency can not publish an account without my written permission
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXXXXXX Balance Owed : {$4200.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$4800.00}
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, JPMCB/ Chase Bank listed a credit card account as charged off to all 3 credit bureaus. The account has remained as " charged off '' since and there has been no update to the status of the account, no payments made, and no card activity since XXXX XXXX. In early XXXX, JPMCB/ Chase Bank incorrectly reported the account as charged off XX/XX/XXXX. 

They have improperly changed the charge off date which has caused my credit score to drop across all 3 bureaus. I was able to successfully dispute the record with XXXX but I am waiting to see what XXXX and XXXX will do. In the meantime, credit is damaged and I am concerned that my current limits may be cut or have my accounts closed as a result of this JPMB error.