23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I was charged on and off for more than 5 years by Lexington Law and credit repair.com for services before the results. my credit is still in need of repair
Product: Credit card or prepaid card

On XX/XX/2020, an unauthorized ( not part of any contract ) {$540.00} " no show fee '' from XXXX XXXX, a hotel in XXXX, South Carolina, was placed on my Chase XXXX card. I called the hotel to attempt to get a refund, but when they stubbornly refused, I disputed the charge with Chase. I submitted all reasonable documentation : reservation confirmation from XXXX, account statement showing points debited, and the bill from the hotel for the supposed " no show fee ''. The confirmation from XXXX does not mention the existence of a no-show fee, only a cancellation fee. I wasn't able to cancel the reservation, so I forfeited the points paid, and so the cancellation fee isn't applicable as no points were refunded. This should have been an open and shut case if Chase had properly reviewed my documentation. Instead, they dragged the case on for weeks and closed it saying I didn't provide sufficient documentation. They reopened my dispute when I resubmitted the same documentation, but then said I submitted the documentation too late! They never actually contacted the merchant about this issue, deciding internally to close this case 3 times in the merchant 's favor. Their anti-consume stance and ignorance of evidence is unacceptable!
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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. Delete the accounts below : Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/XXXX, TransUnion. 
Creditor Name : XXXX XXXX Date of inquiry : XX/XX/XXXX, TransUnion. 
Creditor Name : XXXX XXXX Date of inquiry : XX/XX/XXXX, TransUnion. 
Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/XXXX, TransUnion.
Product: Debt collection

I did a auto loan way back in XXXX and then defaulted in XXXX and I gave them the Truck in XXXX via voluntary repossession. They stated that I owed them {$12000.00} Since then they first sold the instrument to XXXX then XXXX sold the debt to another. I have done Verification of Claim in accordance with the FDCPA now the debt instrument is with XXXX XXXX XXXX and this company has a collections department that has been harassing me threatening to sue me when I have no contract with them. I warned them about the XXXX XXXX XXXX act and they still will not heed. They will not give me there name or address to where I can dispute the debt instrument and my imaginary contract with them but they keep calling to see if they can get a joinder. I had to back trace this debt all the way from XXXX XXXX to XXXX finally finding XXXX XXXX XXXX. I need some help they have very dangerous tactics and it is getting to worry me. This Debt Collection Company does not respect laws that I here to protect consumers
Product: Debt collection

As of XX/XX/2019 I learned that Merchant Credit Guide filed derogatory information against my credit report regarding a debt that they were attempting to collect. I never received communication about this agency trying to collect a debt. I did not receive a telephone call nor any mailing from this company. If I had properly been notified of Merchant Credit Guide attempting to collect a debt from me, I would have surely contacted them immediately. The original owner of this debt is a pain clinic known as XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX IL. I used my insurance to handle this procedure. They did not tell me my insurance wouldnt cover the procedure. I did not learn of this until two years after the procedure and I received a bill of charges that were grossly over what should have been expected for this type of treatment and I was charged for treatment I did not even receive. I tried multiple times to contact someone in the billing department to resolve any monies that would be owed, I NEVER received any communication from them regarding payment arrangements, in fact the telephone numbers for the office no longer worked and when I went to the office physically it looked as if they were no longer in business. I plan to contact the Attorney General regarding the fraudulent practices of this institute.
Product: Debt collection

I hired a reputable company to help " clean up '' my credit report in XXXX 2016. A collection account was disputed and was taken off my credit reports. It has now been reinserted with a new open date of XXXX 2016 when this certain collection was over 6years old. The collection company being used is now called Convergent Outsourcing Inc . It 's a collection account through a XXXX. This was never verified in a timely manner according to Fair Credit Reporting Act so legally, it was deleted from all XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. When i did get thru on XX/XX/2020 and XX/XX/2020 it said that it was accepted but later i was notified that they never received the payment. By the time I was notified that the payment was never recieved io paid it but it resulted in a 30 day late pay. They also never called or sent me a bill in the mail so I had no way of knowing. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Product: Student loan

Good morning! 

My PSLF information was added to my Mohela account today but my last 2 consolidation loans are missing the 24 ineligible payments that should have transferred with the PSLF waiver. Loans 1-4 all have 24 ineligible payments and my loans 5 and 6 show 0 ineligible payments. The PSLF waiver states that all payments should transfer over to consolidated loans. This is important because I expect for these payment to count when the IDR waiver is applied. I do not want these to become hanging loans when my new Employment Certification Form is applied.

Please help! 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX is NOT reporting immediately the changes to my account when the Balance is lower than the previous statement or previous month. But when I am using the available credit and when it increases in any given Week, XXXX XXXX Credit card immediately reports the same to the Credit Bureaus. 

I tried calling the XXXX XXXX customer service several times previously but they said it takes around 60 days, that is TWO BILLING cycles for the reduced amount to reflect in the Credit reports. 

But how come the increase in the usage of the available Credit card balance is reported immediately to the Credit bureaus? This is fraudulent and purposeful misrepresentation of Consumer information to the Credit Bureaus which ultimately harms the Consumers with credit score not increasing and a blockage in getting further credits or loans or better interest and credit terms. 

When I called the XXXX XXXX about another issue, the Customer support supervisor warned me that my Credit card ending in XXXX is not current and under Risk of being initiated some negative actions by the XXXX  XXXX. I had recently disputed the account balance with XXXX vide request XXXX through the XXXX XXXX XXXX This is how the Consumers are warned of if they report the matter to law enforcement authorities or the Credit Bureaus. It's a real case of tyranny and against the XXXX principals of USA. 

Also, I have an Auto Loan with XXXX XXXX and the outstanding balance are not at all updated as and when the Principal amount reduces. 

I request that CFPB take immediate action against these unscrupulous Banks and order them to pay the Consumers adequate financial compensation for all the misery and agonies with the so called system of Credit reports. It's nothing but an open CORRUPTION WHICH IS KILLING THE DEMOCRACY OF THE NATION.

There is no doubt about the Tie up of Credit Card issuers and the Credit Bureaus which could lead to a Bad faith complaint under Anti Trust law. The fraudulent Tie-up of the Loan providers with the Credit Bureaus needs an indepth Investigation by the FTC and CFPB, being a watch dog of Financial services in USA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent : XXXX  XXXX XXXX {$540.00} XXXX  XXXX {$490.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00}
Product: Debt collection

Subject : Failure to Provide Debt Validation Notice and Improper Collection Practices Narrative : I am filing a complaint against Velocity Investments LLC for failing to comply with the Fair Debt Collection Practices Act ( FDCPA ) and engaging in improper collection practices.

1. Failure to Send a Debt Validation Notice : Velocity Investments LLC has been attempting to collect a debt allegedly purchased from XXXX XXXX, yet they failed to send me a required debt validation notice within five days of their initial contact, as mandated by 15 U.S.C. 1692g ( a ). I have never received any written communication from Velocity Investments LLC regarding this debt.

2. Lack of Debt Validation and Proof of Ownership : I am disputing the debts validity and have sent Velocity a formal debt validation letter requesting : Proof of ownership of the debt, including a chain of assignment from XXXX XXXX to Velocity. 
The first date of delinquency for the debt. 
Compliance with state laws, including proof of licensing in Illinois. 

3. Continued Harm : The lack of validation and proper notice from Velocity Investments LLC has caused harm to my credit profile. Furthermore, XXXX XXXX continues to report the debt as a charge-off despite its transfer, creating confusion and double reporting.
Product: Debt collection

It has been since XXXX XXXX since this account has began. Navy federal is just now closing this account on which is does not belong to me. It was reported as closed on XXXX XXXX. It had been charged off due to non payments. I have received multiple complaints, multiple phone calls and threats to continue to harm my credit report if I do not comply. This is not my account. I am requesting this account be removed due to old account of over 8 years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  is showing inaccurate information the balance is incorrect and also still showing Disputed multi times with transunion and they stated its accurate i attached info showing my balance and that whats reporting and how is incorrect i asked for this to be Deleted from my report
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. Equifax Credit bureau has failed to respond about the removal of the erroneous information about my inquiry. Sending them the last complaint dated from XX/XX/2021 to the present, I have not received any response up to this date. On the other hand, inaccuracies about my inquiry are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned inquiry that is still reporting on my reports : XXXX Inquired on XX/XX/2021 XXXX
Product: Mortgage

The loan was sold to another company and they were late the 1st month getting us a proper statement. The 2nd month they have n't credited the $ 's immediately to our account AND did n't send out a statement promptly to show monies received and the statement for the next month. They processed the statement on XXXX and we received it on XXXX, with the payment being due XXXX. They are well aware that they are not processing and sending these statements out in a timely matter. We want to send our payment in before the first of each month WITH A VALID STATEMENT REFLECTING THAT LAST PAYMENT RECEIVED. I expect to my payment to be applied immediately and receive a statement reflecting that, with plenty of time to pay by the first of the month to allow for mail issues. The company name is Nationstar Mortgage XXXX XXXX XXXX, XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$38000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen after conducting personal business on my cousins computer. The computer I was using was infected with a virus. My personal e-mail was stolen. My personal information was retrieved via my e-mail and used for fraudulent purposes. This has resulted in the following fraudulent items to appear on my credit reports : ACCOUNTS XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX US Department of Education Acct # XXXX US Department of Education Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I should not be held responsible for the actions of an identity thief. I am seeking to remove the fraudulent info that has been associated with my identity. I have already informed the credit bureaus of this issue. I have sent the credit bureaus notarized documentation ( Police Report, Personal Documents, Affidavit ) that proves my identity theft and supports my claims. The bureaus are currently still reporting the fraudulent items.
Product: Credit reporting or other personal consumer reports

Hello I saw your response on CFPB and you did not delete everything : Do NOT mark this case as duplicate as this is not! You failed to remove information and I need it removed per FCRA Section 611 you must permanently delete everything that is identity theft. 

I read your response and it is inaccurate. I still see XXXX XXXX / XXXX / XXXX credit cards ( one listed as other ending in XXXX one is listed as ending in XXXX one is listed as ending in XXXX and one is listed as ending in XXXX and one is listed as ending in XXXX ) on my account and I still see XXXX XXXX XXXX XXXXXXXX or XXXX credit card ( ending in XXXX ) reporting on my account and I still see XXXX XXXX / XXXX / XXXX hard inquiries reporting on my account and I still see 2 wrong addresses ( XXXX XXXX XXXX XXXX XXXX ) reporting on my account. These are all fraudulent due to identity theft and Must be deleted immediately! 

You also keep adding these items back and these are fraudulent identity theft and this needs to stop. 

Per FCRA Section 611 you must delete these items permanently immediately as they are identity theft fraud. 

Again I will repeat : You are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. However the hear fraudulent inquiries and credit cards were added back to my credit reports fraudulently. These credit cards and hard inqiruies need to be removed immediately and NOT added back : Credit cards to be deleted : All of XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXXXXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. Inquiries to be deleted : All of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end. Again this is identity theft and by law you are required to delete all of them and required to reach out to the banks and companies to delete them and required to reach out to all other primary and secondary credit bureaus to delete them. This must happen immediately. Please do not add these items back again!
Product: Money transfer, virtual currency, or money service

Good afternoon, This is XXXX XXXX, I am sending money to XXXX XXXX XXXX XXXX account number XXXX checking address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX United States, there was a typo by western Union clerk, and one digit is missing from account number, the transfer amount is XXXX dollar including transfer fee. I have opened the case three months ago, and yet I have not received any updates in regards to the transfer. The case number is XXXX, please refund the transaction as soon as possible, So i can transfer to her again. 

Thank you
Product: Mortgage

I was put on a forbearance due to the pandemic starting in XX/XX/XXXX. During that time no payments were made since I was on a Forbearance. The Forbearance ended in XX/XX/XXXX. I was set to resume making payments in XX/XX/XXXX which I did. I was advised to submit a application and requested documents to be reviewed for a Loan Modification to bring the loan current which I did. On XX/XX/XXXX I was put into active foreclosure. I am constantly having submit and resend documents. I get a different answer from loss mitt every time I call. Anytime I ask to speak to a supervisor or XXXX I am denied. I am not being helped at all. I am trying to retain my home and since I was put on a forbearance due to the pandemic they are required to provide me retention options since I can afford the home. I am begging for help because I am getting no where with this mortgage company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 


I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( XXXX ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 





THE FOLLOWING ACCOUNT ( XXXX ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/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 Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805.

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two item on my Equifax credit report both with XXXX XXXX XXXX one in the amount of {$500.00} and another in the amount of {$700.00} i can not identify with, these two item and tried with no success to request any sign documents or any original contracts that was signed to prove accuracy
Product: Payday loan, title loan, or personal loan

Midland credit management 15 U.S. COde 1681b Permissible purposes of consumer report. I did not give permission to report this on my credit report. I have no knowledge of this collection and would like it to be removed immediately. This is 15 USC 1681 ( b ) ( E ) false information
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a negative report on Experian and XXXX had a negative report on my credit, so I disputed it and they responded by sending me the copy of a contract not signed by me, wrong email, wrong physical address, wrong phone number. The only thing right was my name. I have contacted them several times, disputed it with both Experian and XXXX with no results. The Debt Collector is XXXX XXXX XXXX and I have recently got some information from an Attorney that the have several judgment against them in Federal Court of which they are ignoring. They are getting sued in Federal Court and having Default Judgments taken against them, yet not updating the credit reports to be accurate all while demanding payment for the tradelines to be deleted.