23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

-2019 Loan Pal, now known as Good Leap allegedly remitted payment in the amount of {$18000.00} to a company called XXXX XXXX for the installation of solar equipment on my home. XXXX XXXX never completed the job, disbanded the company and the owner filed for and was discharged in a XXXX XXXX XXXX 
XXXX Good Leap AKA Loan Pal has refused to show proof that they ever funded the contractor with the funds, and maintains that I still owe them the money for the project even though it was never completed .... Good Leap AKA Loan Pal has since damaged my credit beyond belief which has also been the cause of issues with my current employer and the denial of several other positions of which I applied. Good Leap AKA Loan Pal has also continuously harassed me via telephone and has had an Attorney reach out to me threatening legal action...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing concerning my request that the accounts placed in collection, on my credit WERE NOT properly investigated or removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. The request for a block of the listed accounts in my affidavit according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) should have been removed with in 4 days from the day of receipt of my affidavit per Trans Union XXXX and XXXX investigation.
Product: Debt collection

XXXX XXXX GOT A HOLD OF ME CLAIMING TO BE THE SUCCESSOR OF A ALLEGED DEBT FROM XXXX. THEY STARTED A XXXX XXXX XXXXXXXX SUPREME COURT CASE AND CLAIMED THAT XXXX HAD GIVEN THEM THE DEBT. I INITIALLY TOOK OUT A HOME DEPOT CREDIT CARD AND WHEN THE PANDEMIC CAME I REQUESTED ASSISTANCE UNDER THE CARES ACT IN WHICH THEY IMMEDIATELY CLOSED MY ACCOUNT AND TRANSFERRED IT TO THE COMPANY HEREIN. IF THESE COMPANIES DID NOT HAVE A RIGHT TO REPRESENT XXXX THEN I NEED THAT IN WRITING FROM XXXX. The previous complaint filed was closed because they said that whoever did this was unauthorized to represent XXXX So please give me this in writing. I was ultimately dealing with attorneys alleging to represent LVNV funding. LLC. There was a great deal of threats made and eventually I felt as I had no choice but to pay this XXXX party money.
Product: Debt collection

They call on a daily basis, sometimes two or more times. I have sent several letters explaining my situation and telling them not to contact me or anyone else. They keep calling and calling. I have blocked them. They do not have a call back number that shows up on my phone. 
I have documented the following dates and times : XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX and XXXX XXXX. 
XX/XX/XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX and XXXX XXXX. 

This is only a small list of a myriad of phone calls that goes back months and months.
Product: Credit reporting or other personal consumer reports

Do you report this information to the authorities, or do you just sit there??? How are complaints to you, handled??? I have a VERY OLD XXXX charge from a XXXX XXXX XXXX XXXX XXXX. I had no insurance at the time, back in XXXX. I forgot all about it, and now all the sudden it pops-up on my credit report- this month and this year. ( XX/XX/XXXX ). It's over {$1000.00}. I'm on SSI and can't pay this bill. Is this legal? 

Also, there are numerous student loans on my credit report, that have been there, since around XXXX. They were placed on my report BEFORE I finished XXXX, having taken no break. This is ILLEGAL. XXXX XXXX XXXX XXXX placed them on my report. I have a letter from XXXX saying ALL my student loans are paid for by XXXX, because of my XXXX. I keep attaching the XXXX letter to XXXX, but they refuse to take the student loans off my report. I filed a new dispute a month ago, and have heard nothing back. I usually don't. I also spoke to them on the phone a month ago, about my name spelled incorrectly and addresses I've never lived, and was told they were changing the information " as we spoke. '' A week later, nothing was changed. My first name is NOT spelled with an S on the end, it's an A on the end. 

They have been jerking me around like this for YEARS. I've been trying to get this information squared away for YEARS, by filing dispute after dispute, after dispute. NOTHING on my credit report has been fixed.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX Asset-Backed Pass- Through Certificates Series XXXX ( Plaintiff ) and Ocwen Loan Servicing ( Servicer ) failed to furnish Defendant documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX Through Certificates XXXX XXXX, including all Notes that should have been properly indorsed each time they were transferred. 
For the foregoing reasons, I ( the Defendant ) demand documentation of this time-barred debt from Plaintiff, servicer and XXXX and XXXX attorneys. 
Most detrimental to the lost of my property XXXX XXXX XXXX, XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX highlighted ), the Trust and mortgage servicer all have failed to furnish an authentic promissory note and the Trust Pooling and Servicing agreements for XXXX & XXXX, that should prove " standing '' for an eviction and foreclosure proceedings. 
Per the SEC filings, the " Attestation '' most recent filing was XXXX and not referencing XXXX XXXX XXXX XXXX.
Product: Credit card

Recently, I reached out to Discover ( credit card ) to inquire if they provided multifactor authentication ( XXXX ) for their accounts. To my surprise, they confirmed that they do not offer XXXX, and when asked if it was planned for the future, they also said no. Instead, they suggested that they had some sort of backdoor security measures in place for themselves, but not for consumers. When I asked how to submit feedback, they suggested doing so, but revealed that there isnt a direct feedback form available for customers. 

I find it ridiculous that a financial service does not offer two-factor authentication, especially when even simple gaming websites do. If Discover can implement backend security measures, why cant they implement XXXX on the customer-facing side? During my research, I encountered several people with the same concern. It seems like a straightforward enhancement that could provide an extra layer of security for consumers, and its baffling that in 2024, Discover still does not offer it
Product: Checking or savings account

My wife made a reservation at XXXX XXXXXXXX XXXX in XXXX TN for XX/XX/XXXX-XX/XX/XXXX and prepaid with her SunTrust debit card. Upon their arrival they experienced an  ongoing family party with excessive alcohol use. My son was attending XXXX  XXXX for the week and the ongoing noise was significantly disruptive. They were also concerned for their safety and security as there was no lock on their door. After two days they moved out to the XXXX XXXX and requested the balance of the prepayment ( {$810.00} of the {$1200.00} paid. The owner said she " would talk to her husband '' but ultimately refused to refund the difference. There was no contract or disclosure at any time. We asked SuntTrust to obtain our refund but they said the merchant refused to pay. I think we should be given a full refund but will accept the unused portion.
Product: Credit reporting or other personal consumer reports

This negative mark is damaging my credit. The information is incorrect, I never stayed at XXXX XXXXXXXX at XXXX.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My name is XXXX XXXX. My wife, XXXX and I purchased a used XXXX XXXX XXXX with XXXX miles in XXXX, XXXX from XXXX XXXX XXXX XXXX, California. The vehicle was purchased with cash and a {$20000.00} loan ( approximate ) using Ford Credit as the lender. A Maintenance Agreement of {$3900.00} was added to the loan with the purchase. After review of that agreement directly after the purchase it was decided that we would cancel that agreement. I contacted the dealership and filled out a cancellation on XX/XX/XXXX. After many visits to the dealership, emails, phone calls and failed promises there has been no action to cancel the policy. A re-submission of the cancellation was made with XXXX Ford/Lincoln XXXX XX/XX/XXXX along with an assurance by XXXX XXXX XXXX XXXX XXXX Ford/Lincoln General Manager that an email to Ford Credit cancelling the policy would be sent yesterday and copied to me, it did not occur. My emails to XXXX XXXX requesting status have gone unanswered. I am hoping that your agency might help with urging XXXX Ford/Lincoln along with Ford Credit to follow through with their legal obligation. I believe 5 months is well past a reasonable period to respond and act.
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies, XXXX, XXXX and Equifax have not responded to my dispute after I have tried to let them know that they are furnishing inaccurate information. According to the law 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

The Consumer reports must be accurate this is law! I sent out my dispute on XX/XX/2023, and they did not respond and did not delete the inaccurate information off my consumer report.
Product: Credit reporting or other personal consumer reports

someone has fraudently opened up various affirm accounts in my name I have never had an affirm account nor have I ever opened an account in my name. Just a few years back my wallet was stolen and has since been going through identity theft issues. This is not my accounts please delete from credit file immediately.
Product: Credit card

Received my statement with {$30.00} late fee. My bank verified the check payment was received and cashed on XX/XX/24. I called & was told payment was due on the XXXX and it was received on the XXXX. They said that on the XXXX is when they charge the late fee. My statement shows late fee was charged on the XXXX before I was supposedly late. This is very wrong to do to a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by XXXX XXXXXXXX XXXX on XX/XX/2021 that may email change needed to be confirmed. I have never had an account with XXXX XXXXXXXX XXXX. I tried to call, but since I did not have an account number I could not access their voice system. 
One XX/XX/2021 I received an email from USPS notifying me of a change of address from my home of 20+ years to a new address. I did not submit this request. 

On XX/XX/2021 I received a paper notification from USPS. One XX/XX/2021 I went to the post office to find out how to correct this. In the process I learned that someone requested my address be changed to XXXX XXXX XXXX in XXXX, VA XXXX. I reported this with the XXXX XXXX XXXX XXXX. Service Request # XXXX. 

On XX/XX/2021 I received via USPS a credit card from XXXX XXXX XXXX with a cash withdrawal limit of {$16000.00}. I NEVER opened this account. I contacted XXXX XXXX  XXXX at XXXX. XXXX in Fraud closed the account and asked me to destroy the card. 

I then checked with the credit reporting agencies. I have freezes on all my credit as I was notified over the past several years of data breaches. It seems Experian received the credit inquiry. I tried contacting them on XX/XX/2021 but their phone system won't let you speak to a person. I had a freeze on my account. Why was XXXX XXXXXXXX XXXX able to issue credit in my name with a freeze in place. 

I have requested a Fraud Alert from all 3 credit report bureaus. I would like to request a 7-year Fraud Alert but they need some kind of documentation stating I was a victim of identity theft. 

I also contacted the police in XXXX, VA notifying them of the address. I was told by Officer XXXX on XX/XX/2021 that she would take my information but the best course of action was through XXXX XXXX XXXX XXXX as this is a federal crime. 
I also contacted the owner of the apartment at XXXX XXXX XXXX in XXXX, VA. They got me in contact with the property manager. I spoke with her by phone on XX/XX/2021 notifying her that she has a potential federal criminal at this address ( XXXX XXXX, Regional Manager | XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX | XXXX | Virginia | XXXX | ( o ) XXXX x XXXX | ( f ) XXXX ). 

Property Owner of Street Address:XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mailing Address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, XXXX  XXXX Subdivision Name : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not unfreeze my credit. If this is not resolved within 7 days it will cost me my mortgage and the {$100000.00} I have invested. MY credit is perfect but experian will not release the freeze. I have called 20 different numbers and mailed in several forms and no response. 

PLEASE HELP ME!!!!! 

Both XXXX  and XXXX XXXX  removed the freeze without any problems.
Product: Checking or savings account

On XX/XX/XXXX I notified XXXX that they were no longer authorized to request a debit to my Paypal account. On XX/XX/XXXX I spoke with Paypal and informed them the XXXX was no longer authorized to request any amount in the form of a debit and/or refund from my account. Paypal then cancelled ALL agreements I made with their company authorizing XXXX to withdrawal from my Paypal account. After this, Paypal continued to honor ebay request. I filed 17 complaints with Paypal requesting to be reimbursed for the amount that again they was not authorized to sent to XXXX, Paypal then credit my account. 3 days later, Paypal reversed all the credits and placed my account into a negative {$970.00}. I am request a immediate refund an credit for ALL funds Paypal sent to XXXX after XX/XX/XXXX.
Product: Credit card

After I applied and was approved for the Chase XXXX XXXX credit card with a XXXX reward mile sign up bonus, Chase or XXXX sent me an offer with a larger bonus and a larger corresponding minimum spending requirement. Chase first send me a letter saying they had revoked the original bonus offer. I spoke with a Chase representative via Secure Messaging regarding the letter and they informed me that it was an error. I then asked about the availability of the larger sign up bonus if I were to meet the larger spending requirement. The representative informed me that I would receive the larger bonus and to send them a Secure Message when I reached the minimum spending requirement so they could match the larger bonus. Therefore in order to reach the minimum spending required for the bonus, I used the credit card for {$1000.00} worth of additional charges that would have earned me more rewards if spent on another card. When I informed them that I had reached the spending requirement that they had outlined, they then told me they misspoke and refused to match the offer.
Product: Credit reporting or other personal consumer reports

I have previously disputed these accounts. Please provide me with a description of the procedure used to determine the accuracy and completeness of the information of verification. Please provide documentation which justifies your belief that these erroneous accounts are accurate and in fact reporting per the FCRA requirements. I request this under 15 U.S. Code 1692g- validation of debts. If the information is not provided, or the false reporting isnt removed you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus only report 100 % accurate credit information! Please provide this information within 15 days of the completion of your reinvestigation. Send me a new report after you DELETE these erroneous accounts. Enclosed are documents that verify my identity. 


XXXX XXXX XXXX XXXX ( High credit limit wrong ) ( payment history wrong ) ( date opened wrong )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Mortgage with XXXX  XXXX in XXXX while on XXXX XXXX in the XXXX this was XX/XX/XXXX, in XX/XX/XXXX the Mortgage crisis hits and Bank of America assumes my XXXX XXXX Mortgage # XXXX. In XX/XX/XXXXthe XXXX sends me Orders to report for duty in XXXX, VA. I was able to make payments on this house until my retirement in XX/XX/XXXX, I used my savings till it dried up in XX/XX/XXXX. That was the last time a payment was ever made on this loan, for a house that I haven't lived in since XXXX! In XX/XX/XXXX they transfer my Loan back to XXXX XXXX! In XX/XX/XXXX XXXX XXXX   Transfers my loan to XXXX who reports my loan in a Negative Status until it is finally Foreclosed upon in XX/XX/XXXX, and then doesn't get reported to the Courts until XX/XX/XXXX. I have been denied credit for a Foreclosure since XXXX, and the fact that I refinanced my XXXX  XXXX in XXXX, paid it off completely when I sold the home in XXXX. Financed a brand new XXXX XXXX in XXXX, it too is completely paid off, but I am still being denied credit in XXXX because of this Fraud to my account! I do not feel like this is fair to a XXXX Veteran that served his country for 22 years 7 months an 10 days to continue to deal with this Fraud and Abuse to a XXXX Veteran  of this country! You can't report both loans! Thgis is Fraud!!!!!
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and the most recent one here in 2024. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously. I also need the negative remarks for open accounts to be removed, as I have been making all my payments on time recently.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I've been a victim of identity theft once again. I found numerous accounts on my credit report that I did not open. This has been hurting me as I am in the process of buying a new home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX Credit Card says it was late XX/XX/2019 both on Experian and XXXX and XX/XX/2019 in XXXX. 

It was already confirmed by XXXX XXXX that it was a mobile app error. The app was stating there was no payment due, when in fact there was. 

XXXX XXXX has already acknowledged this error, but the late payment is still showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Had Noticed the Hard Inquiries that I had never authorized to Pull from creditors. 
Someone stole my information and used them XXXX  1. Sofi lending XXXX 2.  XXXX XXXX XXXX XXXX, 3.XXXX XXXX XXXX XXXX 4.XXXX  XXXX XXXX XXXX 5.XXXX XXXX XXXX XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX XXXX XXXX 8.XXXX XXXX XXXX XXXX 1.XXXX XXXX XXXX 1.XXXX XXXX and XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax located in XXXX, GA .This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, Equifax has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Equifax has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Money transfer, virtual currency, or money service

Hello sir / madam i had opened up an account on XX/XX/2021 on the trading platform Gemini ( gemini trust company llc ) for trading cryptocurrencies they had my account verified through drivers licence, e-mail and mobile number and linked my checking account with them to wire money, later on XX/XX/2021 i had wired {$60000.00} USD to them and it was debited from my checking account then Gemini e-mailed me to further verify my self on their support by providing my drivers licence photo with a hand written note along with a selfie all in one frame to make my funds available, I submitted it and the finds were available in my gemini account but they restricted my account to buy trade or withdraw the amount its just stuck in their platform and i don't have a resolution for it i e-mailed them regarding the same bit they just said the will transfer my case to a specialist and then i have no response.
Product: Checking or savings account

On XX/XX/2018 I notified my branch Capital One Bank XXXX XXXX XXXX XXXX NY, XXXX ) that on Monday XX/XX/XXXX I would be making a deposit of {$6500.00} in wrapped coins. I have multiple accounts with said bank, but this was for my business account ( XXXX XXXX XXXX XXXX ) I was told not to bring the deposit until we get approval from the Branch Manager! I was extremely upset and told them that banking regulations are strictly monitored and they can not refuse to take a deposit from me.They were well aware I owned a XXXX XXXX and would seldom deposit WRAPPED coins, th y said it would not be a problem. I read my contract I signed upon opening th account and nowhere in the contract did it state there was a limit to what I could deposit, Cash or Wrapped coins neiether one.

Eventually bank manager called me and said we dont have room to store that amount that I would have to make multiple deposits on different days/weeks. This is ludicrous and nonsense, they are now  allowed to make there own rules when it comes to deposits and so on. I am still sitting on every dollar in my house and think its unsafe to have that amount of monet sitting around because my bank thinks they can make there own rules when it comes to banking.