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

Upon reading my personal credit reports ( XXXX, XXXX, XXXX ), I noticed an entry from Profit Services Group ( XXXX XXXX XXXX ) account # XXXX. This collection account is the only negative entry listed on my credit reports and it has severely damaged my credit score. I spoke with a representative with Profit Services initially in the month of XXXX regarding this information because I was completely unaware that I had an unresolved medical debt with any medical institution. Since I was not sure about the details of the amount, the time, and the location of where this debt had occurred I asked the representative to please provide me with an itemized bill or statement from this medical institution. The representative stated that " Profit Services is not legally obligated to provide consumers with ANY statements, bills or form of validation ( even if the consumer has requested for their personal review or to compare with insurance information ). This claim by the representative seems very suspicious, considering that it is supposedly " my '' debt and they requesting me to hand over my money without personal review. I have called Profit Service a second time and I was informed that I would be receiving a copy and that it would be mailed to my current address. .I have not received that documentation as of yet.
Product: Debt collection

I have been receiving multiple calls on my personal cell phone and my work phone from a company claiming I owe money for an online loan from XXXX. I have no memory of taking this loan and when asked for proof they told me they could send me a letter from their office but would not have the original documents as the " loan '' had been sold several times. They threatened to see me at home or work if I did not pay. I called the number XXXX and spoke with a woman who refused to give me her address or let me talk with a supervisor. She yelled over me and kept saying with I resolve this voluntarily or they would do it through the law and courts in XXXX XXXX. I do n't live in XXXX XXXX. I finally called back and got a man named XXXX who still refused to give me his address but said they would contact " Web Loan '' and see if they had the orinigal paperwork and would send it to me. I told them if I owe something I pay it and I did not believe this was legitimately my loan and that by law they needed to provide proof in writing. Again said it was doubtful that they would be able to get anything and that the original amount was {$500.00} but the amount to settle would be {$800.00} and would I be willing to pay today? I searched them online for both " GR Group '' and " Global Recovery Group '' and found XXXX in VA. I called them and spoke to XXXX XXXX XXXX who apologized and told me that they are using the name of his business but he is not in the personal loan collection business. 

Here is his e-mail to me : Dear XXXX XXXX : I am sorry you have been contacted by the " Global Recovery '' entity that is frequently mistaken with my company, Global Recovery Group, XXXX. I have repeatedly sought to alert the CFPB about this entity and its tactics, and attach a letter from XXXX in this regard. My suggestion is that you file a complaint with CFPB directly. 

With best regards, XXXX XXXX XXXX XXXX, XXXX. 
Chief Executive Officer Global Recovery Group, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX USA Tel : ( XXXX ) XXXX Mob : ( XXXX ) XXXX Fax : ( XXXX ) XXXX He also included a letter he has written to XXXX XXXX - director of your bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to the all credit bureaus XXXX, Transunion, XXXX regarding the following accounts. 
XXXX XXXX/ XXXX XXXX- this is not my account- {$4900.00} - XXXX XXXX this is not my account- {$11000.00} - XXXX XXXX this is not my account- {$9600.00}
Product: Mortgage

On or about XX/XX/XXXX, ( Application No. : XXXX ) and again in XX/XX/XXXX, ( Application No. : XXXX ), I applied with Bank of America for a fixed rate on a loan in the amount of {$40000.00}, which is my understanding the minimum amount which must be taken in order to qualify for a rate of 5.6 % for a term of 20 years and monthly payment of {$270.00}. The two above loans were an attempt to pay-off my existing Home Equity Line of Credit ( Acct No. : XXXX XXXX XXXX ) in the amount of {$28000.00} and reduce the interest rate, which is currently 8.060 % with a monthly payment of {$210.00}, including finance charge of {$190.00}. As a loan condition, payments are taken directly from my BOA. The new loans would also have this same condition upon approval.

In denying the initial loan from XX/XX/XXXX, it was stated that my debt to income ratio was insufficient for the amount of the loan. However, it is interesting to note that although my debt to income ratio was the deciding factor in denying said loan, Bank of America offered me an opportunity to apply for a fixed rate on my existing loan at a rate of 7.5 % with payments in excess of {$300.00} which they stated would " more than likely '' be approved as i did not have to go through the application process and that same is solely based on my credit rating. This was unacceptable to me as my goal was to lower the existing interest rate of 8.060 %.

In reapplying ( Application No. : XXXX ) in XX/XX/XXXX, it is now Bank of America 's position that due to my first mortgage being in forbearance, they are unable to approve the new application. This is interesting as the Federal Disaster Act states that a forbearance related to a State of Emergency being declared in the State for which a mortgage holder resides SHOULD NOT result in an adverse credit reporting. In addition, in checking with my first mortgage company, they concurred that their reporting to the credit agencies on my loan does not reflect negatively insofar as their reporting and that they show no notations of someone from Bank of America making an inquiry as to same,.

As such, it appears that Bank of America is engaging in unfair banking practices in determining refinancing qualifiers when it comes to a consumer securing a lower interest rate in an attempt to collect on higher interest rates.

Additionally, while they have stated my debt to income ratio precludes me from being approved on the loans, it is further interesting to note that while i have repeatedly made overage payments on my existing line of credit of {$150.00} to {$200.00} per month ( thereby totally payments being made in excess of {$350.00} ) these payments have never been brought into question by Bank of America as to whether i could afford same based on my income.

Finally, in requesting Bank of America 's Corporate Office email address and/or address so that i can file a complain as to their unfair banking practices, i was advised by XXXX XXXX, Processing Manager in XX/XX/XXXX7, he was unable to provide said information to me.
Product: Prepaid card

My government XXXX  card was never delivered to me. They said that I received it and activated it and booked a cruise and an XXXX purchase totaling {$3900.00}. I filed a police report, asked them to dispute the charges, asked them to research the charges and they completely stonewalled me. They said they had proof that it was me that activated the card and sent me a print out of the transactions as proof. I was in the hospital XXXX XXXX during the time the card was supposed to be delivered to me. The charges were made on the stolen card XX/XX/23. I submitted a claim on XX/XX/23 when I realized that the card should have been delivered and it wasnt. I found out about the charges when I called to inquire about where the card was. It has now been months and they require me to fax all the information to them and when I do, all I get is a denied claim response. This is very wrong and stealing from a new mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Had The charge of service fee .From experian from 2007 to present day .my credit report not accessible .I 've been fighting ID theft forgery fraud .Illegal stock trades .for 11yrs.With all exhausted remedies with all 3 credit companys
Product: Consumer Loan

I paid my car loan off and reviewed my credit 3 months later and they show I was 30 days late on a payment when I was n't. I actually had automatic pay setup through my bank. I have sent ALLY the bank statements showing that the payments were made but they will not correct on my credit. I have disputed through the credit agencies and ALLY keeps turning it down with the documentation. This late payment is stoping me from getting a job that will help me support my family in a better way. Please help me I can provide the documentation supporting that I was n't late. I call in to Ally and ask to speak to a manager and they wo n't let me. Ive been hung up and basically told they do n't care. Please, please help me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of identity theft and a data breach, and these accounts were opened and inquiries made without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
The fraudulent accounts are as follows : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have requested that MEADE & ASSOCIATED stop calling my phone and mailing me letters over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and your own company management. I also the right to file suit against you for any future violations of this law. I will record all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt Collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT LAST YEAR AND THERE IS AN XXXX XXXX XXXX   ACCOUNT-XXXX THAT KEEPS GETTING SOLD TO DIFFERENT COLLECTION AGENCIES. THIS A VERY FRUSTRATING BECAUSE THE ACCOUNT IS NOT MINE AND WAS BECAUSE OF FRAUD BUT IT KEEPS BEING PASSED AROUND. I THOUGHT IT WAS AGAINST THE LAW FOR DEBT COLLECTORS TO  SELL DEBT ONCE ITS BEEN VERIFIED AS IDENTITY THEFT?
Product: Credit reporting or other personal consumer reports

this company is XXXX loan that i just had it was reporting something very absurd to me 10 months ago
Product: Debt collection

In XX/XX/XXXX I went to the XXXX  store to find out about their monthly plans. The salesman was pushy and aggressive. I repeatedly told him I did not want to sign up and left the store empty handed. I did not receive any phones. Two months later in XX/XX/XXXX I started receiving a XXXX  bill. I called them and told them I Didnt get any phones. I was told that they verified I had in fact not gotten any phones and they would close the account and I would not get any more bills. In XX/XX/XXXX I saw XXXX  on my credit report for XXXX so again I called them. They said that no I did not get the phones and they took it off my credit report for 6 months. Then in XX/XX/XXXX it was back on my credit report. I repeatedly called XXXX  and every time was told that no I Didnt get any phone and they would get it off my report. The most recent time was XX/XX/XXXX. XXXX is very aware of the fact I Didnt get any phones and refuses to take this off my report for good. They say they will and they dont.
Product: Debt collection

Midland Credit Management is attempting to collect a debt from me. The debt is not mine. 

Per a previous debt claim from MCM, I was told by an MCM supervisor, on XX/XX/23, that I would not be contacted again by MCM. 

On XX/XX/23, I recieved more debt claims from MCM. MCM has already established that the debt does not belong to me, my address, or my phone number. However, they continue to make claims.
Product: Debt collection

This is a formal complaint against XXXX and Equifax that continues to report 2 different invalid and unverifiable accounts on my credit report. I have attached a recent copy of my credit report to this complaint. 

I mailed a certified written letter to Equifax on XX/XX/XXXX and XXXX on XX/XX/XXXX requesting my right to dispute the validity of this debt, both have to date ignore my request. I haven't received any communication from XXXX that validates this debt and Equifax continues to verify the account stating that XXXX has certified that the debt is valid. 

If this debt is valid, why haven't I received the proper documentation that proves I owe the amount reporting on my credit report. 

Furthermore, I contact Equifax on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in an effort to have this unverifiable account remove, due to the FCRA stating that if this account can not be verified it must be removed. ( See attached certified receipts ) I understand that our economy is under a national pandemic and staff may be low, but after 5 months, I have no other choice to file a complaint against their negligence and unwillingness to properly investigate.
Product: Checking or savings account

I made a cash deposit to cover a check that was going to go through and chase bank held my CASH deposit and rejected the check that went through. The check they rejected caused {$120.00} in fees.
Product: Credit reporting or other personal consumer reports

XXXX - XXXX EQUIFAX : XX/XX/XXXX was reported 60 past due, XX/XX/XXXX was reported 90 days past due, and XX/XX/XXXX reported 60 past due. This does not correspond with the dates reported in XXXX and XXXX, as they report XX/XX/XXXX - 30 day past due, XX/XX/XXXX - 60 days past due. and then XX/XX/XXXX -30 days past due. Please remove the late payments reported as they are grossly incorrect. This account is marked as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing as well as the reporting dates are grossly incorrect. 

XXXX : XXXX states the account as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing. shows XXXX XXXX 30 day past due, XXXX XXXX 60 days past due. and then XXXX XXXX 30 days past due. 

XXXX : XXXX shows XXXX XXXX 30 day past due, XXXX XXXX 60 days past due. and then XXXX XXXX, 30 days past due. XXXX shows the account was Paid, closed ; was Paid as agreed. It is not possible to be paid as agreed and still have late payments simultaneously. Please update the account to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed. 

Please update these accounts to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed.
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX, XXXX, I made purchases with my US Bank XXXX XXXX with a 0 percent introductory rate totaling approximately {$2000.00}. US Bank classified these as cash advances, so they were subject to interest. 

Realizing a portion of my balance was now subject to interest, I paid the cash advance off at the end of the month. On XX/XX/XXXX, I made payments of {$400.00} and {$2000.00}. More than enough to cover my minimum payment plus the cash advances and associated fees. 

There was an interest charge in XXXX, but I figured that was just for the partial month prior. However, they continued to charge interest for the next three months. It appeared they did not properly credit my payments to the cash advance balance. 

On XX/XX/XXXX, I called customer service to see what the issue was. They told me payments are supposed to go to the minimum payment, then toward the highest interest rate balance. However, because I tried to pay it off before the cash advance hit my next statement, the funds went toward my promotional balance instead of the cash advance balance. 

I asked them to correct this obvious error. After initially acting like they could correct it, she came back after a brief hold and said there was nothing they could do. My only option was to pay it off again. Even though I already had! 

This is clearly an accounting error on the part of US Bank. One that should have been easy to fix. Instead, I was erroneously charged over {$100.00} in interest. I am being punished for paying my bill too early. How does that make sense?
Product: Debt collection

OPTIMUM OUTCOMES have been calling my phone for over 6 months now without my consent. I do not know them nor how they got my information but that's identity theft. I have over 30 calls, which I can prove, showing how much they're calling me. I've asked them to stop calling and to remove my number from their system but it's clear they're not listening. As a consumer, they're violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ), # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX has violated my rights. 

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
Product: Debt collection

For the past 6 month, I have received unwanted calls each morning from a unknown collection company at phone ( XXXX ) XXXX trying to reach someone that I told them I do not know.
Product: Checking or savings account

On XX/XX/2021 at approximately XXXX XXXX I attempted to open my TD bank account through online banking to find that I was unable to login and that an outgoing XXXX transaction had failed. 
I called XXXX to figure out what the issue was and I was informed that my account was currently frozen and in the process of being closed. I had received no prior warning of this ; no email, physical mail or any notice from TD representatives during the multiple times in XXXX that I had called to perform actions such as lifting holds placed on XXXX transactions. On those multiple calls, the representatives had access to my account information and should have informed me if there was any information related to account freeze or closure. I also did not even receive an email notifying me that my account was frozen ; if I did not see that an outgoing XXXX transaction failed and did not call TD after not being able to login to online banking, I would have no way of knowing that my account was frozen and in danger of being closed. 
The representative also notified me that the issue had arisen as a result of my inability to submit the XXXX form that I had received in the mail in early XXXX. I should have submitted the form but Covid-19 is very bad in my area and I did not want to risk going to anywhere that was not absolutely necessary, such as going to the post office to mail a letter. After all, the only consequence of not filling the XXXX form communicated me was written in the letter I received in early XXXX as " We will continue to apply XXXX  tax withholding at a rate of 24 % to all interest credited on your account ( XXXX ) until we receive the above information ''. It was an honest mistake on my part and I am fine with the results that come with the 24 % withholding rate that the bank communicated to me, but them freezing the account and informing me that it is in danger of being closed was never disclosed or communicated so that is bad business practice and lack of transparency on their part. Moreover, the XXXX form was not ultimately the reason my account was closed. I contacted the cross border line on XX/XX/2021 and spoke with a representative who informed me that the account would be closed due to fraud detection. I had not received any prior communication of this and I was under the impression that this was an issue with the XXXX form, not any sort of fraud detection. I was also not given any opportunity to defend myself from these claims of fraud, instead I was asked to simply call or visit my local branch. Upon calling my local branch at XXXX, as I was out of the country and unable to visit the branch, I was met with a message that instructed me that no representatives were available and to not leave a message as the voicemail service is not initialized. However, immediately following the message, an answering machine asks for a message to be left. Due to this lack of hold system and failure to take messages, I was forced to continuously call for approximately an hour until I finally got through to an agent who informed me that my account would be closed.
Product: Debt collection

This debt was settled and discharged but it is still reporting on my credit report