23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a statement from RevSolve Collection Agency onXX/XX/XXXX for {$60.00} in reference to XXXX Urgent Care Services. I emailed then a notice to validate the alleged debt as I was certain I owed them nothing. I received a statement from ResOlve dated XX/XX/XXXXwith a statement stating I owed {$60.00} and a statement validating that my balance to XXXX Urgent Care is XXXX. This is clearly an attempt by RevSolve to extort {$60.00} out of a unsuspecting person.
Product: Debt or credit management

Forward Funding is a loan agency whose online address is listed as XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. On both XXXX and the XXXX XXXX XXXX  they've fabricated dozens of false 5 star reviews. Their application process includes obtaining one 's SSN. The alleged account manager I spoke to on the phone is impersonating a loan processor named XXXX XXXX. Their website XXXX is hacked.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

XXXX contacted me about a old phone bill that had been placed in there office by XXXX for collections XX/2016 for {$1000.00}. I ask Afni to provide me proof that I owed {$1000.00} they could not. I had the last bill which stated I only owed around {$450.00}. I provided the collection company with that information in which they agree to take payments of {$150.00} until the {$450.00} was paid. After paying the agreement amount I never heard from the company again. I remember went recived my credit report and they have put another {$600.00} collection on my file after I have paid the required amount! This has been detrimental to my credit score and has kept me from obtaining credit! I would like for the account to be marked as paid in full and removed from my credit report! I have attached my bank statement for the 3 payments totaling {$450.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting the collection account XXXX on my consumer report. I have disputed this account directly with the collection action. I do not owe any such debt and I am refusing to pay this alleged debt and wish to have the CRA 's cease and desist any further reporting of this account. I am disputing this account based on accuracy and request Experian and XXXX to investigate this account for maximum accuracy and completeness. Please see the attached documentation directly from the collection agency and delete this account immediately from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against experience with your organization. XXXX  had my score at a XXXX and I am unable to obtain housing making me XXXX. I am forced to live with my brother. XXXX reacted to the complaint with a long message that there is nothing that they can do to help me better my credit score. XXXX  also reacted by decreasing my creator score further to a XXXX. I also notice inaccurate information on my credit such as social security payment which is paid in full through company garnishment.
Product: Checking or savings account

I opened a checking and a savings account on XX/XX/2021 online with BMO Harris bank. I funded each account with {$25.00}, for a total of {$50.00}. I received a letter a couple of weeks later asking me to provide copies of ID card, Social Security Card and utility bill. My accounts were frozen and I lost access to them online. I called the customer service line and was asked to email the docs to XXXX, which I did on XX/XX/2021. A week later today, I have yet to hear back from the bank, and I still do not have access to my online accounts, nor do I have access to the funds in my accounts.
Product: Money transfer, virtual currency, or money service

Ive had an cash app account for 3 years and just one day out the blue I was waiting on my friend to send me money for rent and I go to look and my account was closed with my money they send as well as money I had just seating in my account when I tried to chat with the service it always gave me the run around XXXX
Product: Debt collection

In XX/XX/XXXX, I received a Collection 's Notice from ERC. I have made one complaint against this company and now I am making my second complaint! I have told ERC repeatedly that I paid the amount that XXXX XXXX claims I owe two years ago! ERC informed me they were going to do an investigation regarding this matter! However, all their investigation concluded was the same amount from their Collection Bill! 
I have been told repeatedly that I would be transferred to a supervisor, but everytime I just get hung up on! I was even told by one representative that he would pay a bill even if he did not owe it! This was only an attempt to get money out of me! 
I have repeatedly disputed this charge and ERC has now informed me that they would just send this collections back to XXXX XXXX! They have not sent me any notice telling me that this has been done and according to XXXX XXXX, they are claiming that ERC has not sent this debt back to them! 
ERC has not used any cursing or abusive language, but has used manipulative tactics in order to get money from me and has repeatedly lied about this debt! I did not even have to reach out to them, but I did in order to clear this matter up! ERC is deceptive! 
XXXX XXXX is a fraud and should not be allowed to make money by selling this so called debt to Collection Agencies and ERC should not use deceptive practices in order to force people to pay for this bill! 
I paid exactly what XXXX XXXX told me I owed two years ago! Now, out of nowhere, two years later, I receive a Collection notice from ERC! They need to believe me when I tell them I paid this entire balance two years ago and not use manipulation or lies in order to make money! I am tired of this! I want this charge dropped and for these Collection Agencies to leave me alone! If not, they will all be sued in Court, including XXXX XXXX! 
The amount they are saying that I owe is : {$160.00}. The date I received the collection notice from ERC is : XX/XX/XXXX. This is from a debt from XXXX, which I paid! I showed them my bank statement, but now XXXX XXXX claims I owe more, when I have not heard from them in two years! I have tried to settle this matter with ERC from : XX/XX/XXXX-XX/XX/XXXX. I stopped then because no one will listen to me and all I continue to hear are lies and manipulating me into paying something I already paid two years ago! XXXX XXXX and ERC and any other collection agency that does these practices should be held accountable!
Product: Debt collection

I canceled my gym membership in person at XXXX XXXX in XX/XX/XXXX. Despite cancelling, the gym continued to bill me $ XXXX. In XX/XX/XXXX, I had to change my debit card due to fraudulent activity. After this happened, XXXX could no longer charge my account m, and I began receiving notices a of past due balances. I explained to the XXXX  representatives over the phone several times that I had cancelled the account months prior, but they continued to bill me and send notices. Eventually they contacted Aldous and Associates to collect the debt of {$40.00}. Aldous has sent me letters with a phone number to pay the debt, but the phone number was invalid. Today they called me and asked to pay over the phone. I said that I would provide a credit card to pay over the phone, but had a few questions first. During the questions, Aldous hung up on me. I do not believe I should even have to pay this debt in the first place, but even good faith efforts to just pay and move on have been unsuccessful. Im worried this will continue to affect my credit score. For reference, I have not attended XXXX XXXX, besides the cancellation in XX/XX/XXXX, since XX/XX/XXXX 2022
Product: Vehicle loan or lease

They were supposed to remove a few late payments after so much time had passed. They refunded the fees, but the derogatory status still remains. Its been two years and four months with no late payment since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit Bureau ( Experian ) letters asking them them to verify the fraudulent items on my report. Each time they update the file stating that everything is verified correctly. My credit report are still shoring inaccuracies.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. Accounts are below. EXPERIAN is the only CRA reporting this! 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Product: Bank account or service

I applied for Business loan products at NFCU whereas I believe the loan analyst XXXX XXXX XXXX XXXX XXXX is not properly trained or using discriminatory practices. I submitted all required documentation on XXXX XXXX. On XXXX XXXX I asked how long is the processing time frame? XXXX XXXX stated he 'd have a decision by the following week. The following week he reached out only to ask a question already answered on my application. " Which property would be used as collateral? ". After not hearing from him by XXXX XXXX, I reached out asking for a status. Only then, Me. XXXX told me the NFCU had implemented a new process that required a new application to be completed and the processing time would be delayed until the following week, etc. I began to complain and ask when were you going to tell me .... as I have been waiting for weeks for an update. XXXX XXXX became defensive but promised a decision that Friday ( 2 days later ). His decision was " denied '' based on the following reason which are unsupported and contradicted below. 
Delinquent credit history Policy - too many active, revolving accounts Poor credit performance with us This is a business XXXX loan request for $ XXXX and business credit card to expand my small business. The loan would be secured by a business owned property that NFCU appraised at over {$210000.00} in XXXX XXXX. The comparables has since risen based on recent property sales. Also, the property is free and clear with no outstanding mortgages, liens, etc and produces {$1500.00} in monthly rental income deposited into my NFCU business account. In summary, I would be borrowing less than 50 % of the home value of a free & clear income producing property. The risk is very low here. 
Second, this is a business loan whereas I pledged as a personal guaranty. My guaranty should only be an added valued. Why is the loan decision based solely on my personal credit history? It does not appear they considered the business income, collateral or anything business related here. 
In contradiction to the above, I have been approved for a few loans with NFCU over the past year 1. ) in XXXX XXXX a credit card for {$25000.00} ; 2. ) in XXXX XXXX, a personal loan for {$8000.00} ; 3. ) the most recent was XXXX of XXXX ( 2 months ago ), NFCU approved me for a {$25000.00} personal loan with no collateral which contradicts the above statement regarding " poor credit performance '' with NFCU. Over the past 20 years with NFCU I have been late less than 3 times but never over 30 days late whereas it impacted my credit report. 
I think that XXXX XXXX made an unfair decision in haste and out of resentment because I complained or perhaps he is not properly trained. I am requesting a thorough review of my application be performed and the questions below answered. 
1. ) What are NFCU practices regarding business loans and ; 2. ) Did XXXX XXXX XXXX follow the practices accordingly?
Product: Credit reporting or other personal consumer reports

My Experian credit report, in the area that summarizes the score, shows that I have missed a payment. The actual credit report that shows all the lenders shows EVERYTHING ALWAYS paid 100 % of the time. My last correspondence from you, attached below states the Experian told you that information is correct. I have called them numerous times. Every employee I have talked to has said " Yes, I see that you have never missed a payment, but we can't tell you why it's showing that you did because we don't have that information. It looks like they are telling you they did. Can someone please let me know who is saying I was late? If they confirmed it with someone, then they must be able to tell me who to contact to fix it. As you will see by my attached report I have nothing on their report showing delinquent. I have also included my other two credit reports, both of which state my payments are 100 % on time. My score is XXXX XXXX higher with those companies. I am getting rates much higher due to this fraudulent Experian Credit Report. I don't think I should have to pay a lawyer to fix this when it seems pretty obvious I'm getting the runaround. Can you please protect me as you state you will? I appreciate your time and effort. 
Have a great day!
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX XXXX -NO RESPONSEFROM : Transunion XXXX XXXX and XXXX or the creditors and no actions- Sent to all of them Section 604 15 U.S. Code 1681B- Thislaw states t hat th e credit reporting agencies ( TransUnion, XXXX XXXX and XXXX XXXX ) don't have the right to report anything on your credit report without your written consent whichyou do not have that right To Whom It May Concern, I am disputing th e- referenced debts below. Pleaseverify this debt as required by Fair Debit Collecti on Practices Act.

BecauseI am disputing t hisdebt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agenciesinform them that t hisdebt is disput ed and ask them to delete t his from my record report reporti ng inform ation t hat you know to be in accurate or failing to report information correctly violatesthe fair cred, it reporting act. The law states theseitems need to be removed within 4 days of receiving our complaint.

Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692Crequires that youhonor this reques.t Your cooperation will be appreciated.

Section 604 15 U.S. Code 1681B- Thislaw states t hat th e credit reporting agencies ( TransUnion XXXX XXXX and XXXX ) don ' t have the right to report anything on your credit report without your written consent which you do not have that right
Product: Debt collection

I am filing a formal complaint against Spring Oaks Spiral LLC regarding an account that has been inaccurately reported and for which I have not received the required validation documentation. 
I previously sent a debt validation letter to Spring Oaks Spiral LLC requesting verification of the debt, including a copy of any contract bearing my signature that establishes my liability. Despite my written request, the company has failed to provide a response within the legally required timeframe. This lack of response is a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Additionally, the account in question contains inaccurate information, which further raises concerns about its validity. Given that the creditor has not substantiated the claim with appropriate documentation, I request the CFPBs intervention to ensure compliance with federal regulations. I am requesting the following actions : 1. A full investigation into Spring Oaks Spiral LLCs failure to provide the requested validation documents. 
2. Removal of the inaccurate account from my credit report due to non-compliance. 
3. A formal response from Spring Oaks Spiral LLC with all supporting documentation proving the legitimacy of this debt. 
I have attached copies of my original validation request and proof of mailing to support my claim. 
I appreciate your prompt attention to this matter and look forward to your response. Please confirm receipt of this dispute and provide me with updates regarding the next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts has violated my rights XXXX XXXXXXXX rec # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States i have ghe 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
Product: Credit reporting or other personal consumer reports

Reported inaccurate and harmful information on report
Product: Debt collection

I have repeatedly gotten robo-calls from various unlisted numbers saying they have a message for me. When I do answer and " press XXXX '' to get the message, they first ask me to confirm details like date of birth and last XXXX digits of social security number. They refuse to identify who they are or why they are calling and so I refuse to verify any information. I recently got an email from " Williams & Fudge, '' a debt collection agency. I believe this is who are behind the calls, but they are looking for a someone with a slightly different name -- not me. I 'm sick of being harassed by these people, especially for a debt that 's not mine, and especially when they wo n't actually tell me anything.
Product: Checking or savings account

Towards the end of XX/XX/2019, I had needed funds to prepare for Hurricane Dorian.  The hurricane actually hit our city which my home and other relatives in the area. The funds were necessary for the preparation, cleanup and repair of damages experienced during this storm. This was the main reason as to why I could not maintain the {$20000.00} balance requirement of this savings product. 

I had pleaded with TD Bank to provide some leniency in their " monthly maintenance fees '' that were applied to my TD Bank Select Savings Rate Bump account for XX/XX/XXXX and XX/XX/2019. After four phone conversations, six in person interactions and a discussion with their social media relations team, I had enough and decided that their response was not only inadequate, but truly spiteful. Despite being a TD Bank customer for some time and had a sizeable amount of funds in the account in that time, there was not an ounce of sincerity or kindness in their actions towards me. 

Time after time again, the bank refused to waive the fees and actually ridiculed my decision to take out these funds to repair damage caused by the hurricane. Two fees are in question with this complaint : 1. XX/XX/2019 : a fee of " {$14.00} '' described as a " Maintenance Fee ''. 
2. XX/XX/2019 : a fee of " {$14.00} '' described as a " Maintenance Fee. '' The bank provided no timely guidance to me as ( 1 ) how to switch over to a different product that would have lower minimum balance requirements ; ( 2 ) provide any guidance for how to refund or waive these " maintenance fees '' and ( 3 ) failed to assist with resolving my concerns, despite numerous attempts of reaching out to them.
Product: Prepaid card

This card charges customers an ATM fee but they don't have their own ATM for us to use. When I go to my local bank ( or any local ATM ) I'm charged a {$3.00} fee and when I use this card to add money to my XXXXXXXX XXXX I'm also charged a {$3.00} fee. I could understand the fee IF they provided customers with a Netspend specific ATM, but they don't. I don't feel the fees are fair and, they add up over time. YTD 2024 I've been charged {$53.00} in fees. The card is issued by XXXX, XXXX XXXX
Product: Debt collection

I have paid a debt years ago in full of {$150.00} Credit Collection Services. 
It has no reappeared on all 3 credit reports reporting XX/XX/year>. Please have them remove this immediately. The also never came to me with an official signed contract. Nor did I authorize this debt collector to have any debt of mine. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

A person name XXXX opened an account with SunTrust on XX/XX/XXXX using my social security number, driver 's license, and pay stub. She stole my driver 's license on XX/XX/XXXX and stole my mail from my mailbox end of XX/XX/XXXX to XX/XX/XXXX. she then went online and put a forwarding address on my name to her address. I did not open an account with SunTrust. I have never heard of SunTrust Bank. I am requesting that they retract their credit check from my credit bureaus.
Product: Checking or savings account

My Name is XXXX XXXX, XXXX XXXX. I work with XXXX XXXX XXXX XXXX. I went to regions bank on XXXX to make a wire transfer of XXXX thousand dollars to my account in homeland, till today regions bank has refused to send the money to my account as instructed, and the money has since been debited from my regions bank savings account. I have gone to the bank several Times to have this silted out but they have been treating me with disdain. 

XXXX XXXX