23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  Date : XX/XX/XXXX Dear XXXX : I pulled my credit report and noticed that there are items that are not right. 
I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. 
Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. 
Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. 
Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. 
Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX & XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at the time of the delinquency, please remove it. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please remove it. 
Account : XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to EXPERIAN. In my credit report from XX/XX/2023, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I saw a charge on my account statement that I did not authorize, which cause my, checking account to go into arrears. 

I contacted the 5th/3rd Fraud Department as soon as I realized the error. 

The debit in my account does not contain any identifying information that I recognize, which is why I did not contact the company. 

The bank denied my claim and charged my account and is now charging me overdraft fees,
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX, in an effort to retrieve my PIN code in XX/XX/2020. After the conversation, my credit card was closed, without my consent. 
I called them, and asked why it was closed. I was told that I closed it, which I had not. 
I asked for the closed account to be opened, which it was. 5 months later, it is still showing as closed on all 3 credit bureaus. 
I called again, to ask why it is still showing as closed. 
I was told I have to send XXXX XXXX a copy of my full credit report, for them to believe it is currently showing as closed. 

I would like to know, who gave authorization for my account to close. 
It also seems highly unethical for a company to ask for my full credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned XXXX in XXXX of 2020. I realized that there were three delinquent accounts on my credit dating back to when I was XXXX  years old. I submitted my birth certificate and drivers license to Equifax and XXXX and they refuse to investigate and remove the items from my credit report. What Equifax and XXXX  is doing is criminal as it is impacting my college applications and my credit report and scoreXXXX XXXX immediately removed the items once I proved my age with the same documentation provided to Equifax and XXXX.
Product: Debt collection

This letter serves as a formal dispute regarding your collection attempts on an alleged debt supposedly owed to XXXX. I do not acknowledge any valid obligation to this debt, and your collection efforts are entirely fraudulent, baseless, and unlawful. 

After investigating this matter personally, I contacted XXXX directly and was informed that the account in question is not linked to me in any way, shape, or form. This means that XXXX XXXX XXXX XXXX XXXX has been unlawfully attempting to collect on an account that does not belong to me and has failed to provide any legally binding evidence of my responsibility for this alleged debt. 

Fundamental Issues with This Collection Attempt The Account Is Not Mine I verified with XXXX that the account in question does not belong to me, nor am I affiliated with it in any way. If you claim otherwise, I demand that you provide a legally enforceable contract with my signature proving my obligationwhich you can not, because no such agreement exists. 

Merchandise Was Never Received Even if you attempt to claim there was a transaction under my name, I never received any merchandise associated with this alleged debt. Without proof of delivery or proof that I accepted the items, you have no legal grounds to pursue this collection. 

Failure to Provide Proper Validation I have already filed a formal complaint against XXXX XXXX XXXX XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX and in response, you failed to provide legitimate evidence proving my responsibility for this alleged debt. Instead, you submitted fraudulent, manipulated screenshots that were constructed by XXXX in an attempt to unlawfully extract money from me. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) By reporting inaccurate, unverified information to credit bureaus and attempting to collect a debt without proper validation, XXXX XXXX XXXX XXXX XXXX is in clear violation of federal law under : 15 U.S.C. 1692e ( FDCPA ) Prohibiting false or misleading representations.

15 U.S.C. 1692f ( FDCPA ) Prohibiting unfair or unconscionable collection practices.

15 U.S.C. 1681s-2 ( a ) ( FCRA ) Prohibiting the furnishing of inaccurate or unverified information to credit reporting agencies.
Product: Debt collection

My X husband set up account in my name and the amount was {$860.00} because the equipment was never returned Apparently he threw it away and I have been making payments on that account for I can get that off my credit report and I also had another account. The account number is XXXX for XXXX XXXX XXXX XXXX XXXX, Virginia and I did a settlement and I paid that off for {$240.00} my confirmation number is XXXX and its still showing not paid on My credit report showing that I still owe $ XXXXwhen it's been paid off already I talk to a XXXX XXXX  representative and they pulled that account up then they try to said I owe {$100.00} which I do not owe because i did a settlement already for {$240.00} so that should be paid off and not showing on my credit report and the collection Bureau told me since Ive been on there so long since XXXX  XXXX  XXXX  pulled that off but yet I still paid the bill and Im  not understanding I opened up a investigation for CFPB to look into this because the amounts constantly keep changing I spoke to another representative today and they said I owe {$620.00} and when I talk to the collections bureau they said I owe {$680.00} and Im not understanding all of this I provided all my information that I have and I open up a identitytheft my reference number is XXXX and I also talked to another person for my dispute for XXXX XXXX and that reference number is XXXX I would like this to be took off of my collections and off my credit report and I provided information and my ex-husband had his information on there at first it was his XXXX and his phone number and I had to update my information. It should be in your records. I have text messages that I provided. And I would like this to be taken care of I have supplied proof under the doctrine of estoppel by silence engelhardt v.gravens ( mo ) 281 sw 715,719 I presume that no proof of the allegations debt, not therefore any such debt in fact therefore exists thanks
Product: Student loan

I am enrolled in the PSLF program. I have contacted Mohela ( my federal student loan loan servicer ) several times about my PSLF eligible payment count. Their count is off by 12 payment months. I also contacted Student Aid.gov. No change, no result. 

1. I worked for the XXXX XXXX XXXX XXXX XXXX from XXXX, but Mohela only counts XXXX. They are missing two eligible months : XX/XX/XXXX ad XX/XX/XXXX. I have submitted correctly completed Employment Certification Forms ( EFCs ) s. 

2. I worked for XXXX University from XXXX. Mohela has not counted XXXX ( 10 months of payments ) as eligible payments. I sent the ECF, but Mohela said the form was a duplicate. This is because I sent an ECF for every year I worked for XXXX University and when they received my latest form in XXXX, XXXX they saw it was from XXXX  University and assumed it was the same form I had sent for the last 4 years. It was for and from the same employer, but borrowers are supposed to update with a current EFC each year to update their payment counts. 

When I go to my account on Mohela my eligible payment count stands at XXXX/XXXX payments. It should read XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed online complaints with Equifax two times. They sent one confirmation to an old address-thankfully the resident there knows me and gave me the mailing. The next complaint they sent to my email and then when I try to see the results - it says they can not verify me. Maybe because they have an old address and the wrong DOB. I note that both XXXX and XXXX have my correct DOB- XX/XX/XXXX. 

I then called XXXX at XXXX the XXXX and the operator, XXXX, said after drilling me 'that he couldn't verify me? ' I received per my two written complaints confirmation # XXXX and XXXX. To which XXXX said he had no record? I then asked to speak to a supervisor and spent 30 mins on hold before hanging up. 

Please help me, XXXX XXXX @ XXXX XXXX
Product: Debt collection

As a federally protected consumer Radius Global solution and XXXX XXXX has committed identity theft and are in violation of FCRA. Radius Global solutions LLC are attempting to collect on a debt that is not owed and XXXX has sold the alleged debt to this company meaning my information has been sold without my permission!
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted..

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Status : COLLECTION Date Opened : XX/XX/XXXX Balance : {$200.00} According to Cushman v Equifax 1997 , Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account # : XXXX Account Status : COLLECTION Date XXXX Balance : {$580.00} According to Cushman v Equifax 1997, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!
Product: Mortgage

MANIPULATION OF FORECLOSURE AUCTION, FORGED FORECLOSURE PUBLICATIONS AND MALICIOUS OBSTRUCTION OF HOMEOWNER 'S RIGHT TO DUE PROCESS This situation has been a long and exhausting process which originated when the mortgage on the property contained an incorrect legal description. In attempting to foreclose on the property, BNY Mellon intentionally forged the legal description on the Court documents publicizing the auction instead of reforming the mortgage as it is required to do, by law and which resulted in a grossly inadequate bid price. 

Further, in an effort to settle the matter, I attempted, on multiple occasions, to satisfy the entire foreclosure judgment. BNY Mellon refused to accept full payment and instead accepted almost half of the judgment amount from a known collusive bidder in a grossly faulty foreclosure auction. 

After BNY Mellon forged Court filed documents to avoid correcting the mortgage, it then maliciously prevented me from satisfying the judgment, retaining the equity in my home, and satisfying the judgment to avoid a completed foreclosure. They also conspired with the auction bidder to prevent my right to due process and hearing of my timely objections to the faulty foreclosure auction. 

I have raised these issues in a multi-year court battle ; yet BNY Mellon continues to engage in knowingly malicious bad acts. They have admitted their errors in XXXX documents, yet they refuse to take corrective actions. It is unacceptable and must be addressed. It has cost me years of my life, tremendous financial distress and the loss of home in spite of my multiple, assertive efforts to satisfy the full judgment.
Product: Student loan

I started a loan rehabilitation program with a company called XXXX which has my student loan now, the payments started in XX/XX/2019, I made XXXX payments to the company and was told that my tax return would not be taken again this year ( off set ) I only received a {$980.00} federal tax return and was supposed to get XXXX in state but the dept of education took the {$980.00} and I still dont know what happen to the state return. Is there anything I can do to get my federal tax return back?
Product: Checking or savings account

I made an investment into an IRA with Investors savings which is now Citizens bank and went to look into the funds and where they were, and they can not locate them. This started back in XXXX of this year and to this date nothing has been resolved. My funds seem to have disappeared into thin air. Nobody can locate the money that I invested. Back On XX/XX/XXXX I received a check with the amount of my deposit only to receive a message that i should not cash the check since it a stop payment was made on it. The investment was made in XXXX.
Product: Debt collection

Collection Bureau of A- XXXX - is reporting on my credit and attempting to collect a debt that I do not owe. I don't owe this nor have I ever signed anything or received anything and this looks like it is old and past the statute of limitation.
Product: Mortgage

Your company failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The LMP was submitted to the lender on    XXXX / XXXX /  XXXX   - the lender has been requesting additional docs since the submission of the LMP - a missing items letter has never been sent or received- on  XXXX   XXXX ,   XXXX   we were advised the file showed all docs and it was being escalated for review - on  XXXX   XXXX ,   XXXX   the lender informed us when  XXXX  called that their was something else that was needed for the review - the requested hardship affidavit was submitted the same day - the sale date is still set on this file for  XXXX / XXXX /  XXXX   which should be placed on hold for this review
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX 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: Credit card or prepaid card

I disputed 4 foreign transactions with Chime on XX/XX/XXXX. I was informed on XX/XX/XXXX they completed their investigation and determined that no error occurred and that I could submit a rebuttal. I received another notice on XX/XX/XXXX stating again they determined that no error had occurred. I demanded all documentation and information that they used to make a determination in this matter. On XX/XX/XXXX, I received from Chime a document link which purported to contain this information, however they erroneously sent me a password protected file. I now emailed Chimes member services over 10 times and have spoken with them on the telephone twice however there exists no interest to resolve this matter on their end and provide me with this documentation. Emails have been met with nonsensical form letter responses and telephone support has been no help at all. Appears this is a willful violation of Regulation E on the failure to provide within 10 days evidence of their investigation and also to properly credit my account regarding my dispute.
Product: Debt collection

On XX/XX/2021, XXXX XXXX XXXXXXXX, caused to file a foreclosure action alleging a breach of contract under the terms of the loan modification. Under Florida law, a loan modification is a novation to the original loan contract ... .see Florida case law XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX When a debtor engages in a loan modification, the loan amount increases therefore the lender must pay the imposed intangible & stamps pursuant to Florida statute 201.08 ( 1 ) ( b ), 199.282 ( 4 ). For further clarity see Florida caselaw XXXXXXXX XXXX XXXXXXXX. A lender or financial institution does not have any enforceability in this state until the taxes imposed by the state are paid in full. You caused to file a foreclosure action yet you do not have any enforceability therefore you must dismiss the action. The loan modification agreement can not be recorded because it was not notarized. XXXX County recorder office will not record an instrument that is not original nor notarized. A closer look at the loan modification agreement reveals it does not reflect the property legal description. See Florida Caselaw Fed. XXXX XXXX v XXXX XXXX, judgment can't ever be entered until the legal description has been corrected. The loan modification must be amended to included the legal description. In the event the issue can not be resolve the courts have no choice than to dismiss the case. The fact that you have failed to record the instrument and pay the taxes imposed by the state warrants an investigation into your organization as the matter may be construed as tax evasion. What is tax evasion? " The illegal nonpayment of tax ''. " An illegal attempt to defeat the imposition of taxes by individuals, corporations, trust, and others. This matter is being investigated by the Florida Department of Revenue and the Department of Treasury. There are millions in loan modifications where financial institutions are collecting payment yet have not paid a dime to the State.
Product: Debt collection

I was strong armed into buying a XXXX XXXX timeshare membership on XXXX2013. They wouldn't let me leave by trying to tell me other benefits to the membership. They mentioned that the timeshare maintenance wouldn't be more than {$1000.00} for the year that I use the timeshare, which I signed up for even years. Then they also mentioned that I would be able to give the timeshare back if I do not want it and the membership I was purchasing was from someone that did turn it in. I have tried to get to a resolution with the company but they said that I can not return the timeshare or change title until the loan is completely paid off. I haven't used the timeshare sine I purchased it due to none of the resorts being available thru the membership - but units at the resort were available online at hotels.com for cash. I only was able to exchange points. Plus the payments have to be automatically otherwise they said the interest rate would be higher, which I wasn't told when I purchased the timeshare. Plus the loan isn't even showing up on my credit, so I have no way to know how much is still outstanding.
Product: Credit card

Awaiting final response on XXXX disputed fraudulent claims from previous contact with consumer financial protection bureau. See attached.
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. 

I have informed XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX and XXXX, XXXX XXXX account # XXXX and XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX XXXX account XXXX XXXXXXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, and XXXXXXXX XXXX XXXX account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A : states I have the right to privacy.

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.