23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call shortly after XXXX XX/XX/2024 from a gentleman who identified himself as XXXX from Professional Credit Services . He informed me that it was an attempt to collect a debt with all of the proper disclosures including that a recording was being made. He then proceeded to tell me that unless I made payment arrangements immediately that they would proceed to take legal action. I then had to ask what the debt was for and in what amount. The debt is for approximately {$500.00}. When I questioned the cost of such an event, lawyer fees, etc. I was met with more hostility. " I am not here to discuss the law sir. '' I do recognize this debt and intend to pay it in full. But the person on the phone used threatening tactics and was quite combative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a collection on XXXX in the amount of {$22.00} partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account is over 7 years old and continuing to report this item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score. Please delete this line item from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information regarding a fraudulent mortgage loan account that is currently appearing on my credit report. I am a victim of identity theft, and this account was opened without my knowledge or consent. 

According to the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information reported on a consumer 's credit report is accurate and complete. I am exercising my rights under the FCRA to dispute the following fraudulent account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Mortgage Loan Date Opened : XX/XX/2020 Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Mortage Loan Date Opened : XX/XX/2020 This account is not mine, and I did not authorize anyone to open this account on my behalf. I have never had any business dealings or any accounts with the creditor listed above. I am requesting that this fraudulent account be immediately investigated and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : *CAPITAL ONE XXXX Date Opened : XX/XX/2016 Balance : {$0.00} Correct this reporting by revising the information provided. This account was paid as agreed and past due was already XXXX. Modify and perform any corrections or FIX this account from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed police reports and reports with the ftc. Inquires were placed on my report with out my consent. 
Here are the FTC report numbers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I got a derogatory mark on all my three credit report. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605 ( b ) of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report The account was removed and now has being reinserted back onto my credit report reappearing. ENHANCED RECOVERY COMPAN
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Spouse had a car accident XXXX XXXX XXXX which was totaled by XXXX XXXX XXXX on XX/XX/XXXX. Claim # XXXX. USAA paid XXXX to XXXX XXXX XXXX XXXX, XXXX FL and did not honor the Total Loss Letter sent to the Customer. Instead USAA sent Customer a late notice for Auto Loan Payments on the XXXX XXXX XXXX which was totaled by USAA. I've contacted USAA several times regarding this matter because I informed the Repair Shop on XX/XX/XXXX to stop all Repairs due to the Total Loss Letter received by USAA dated XX/XX/XXXX and XX/XX/XXXX. USAA let the Repair Shop continue with Repairs even after the Customer told them that he would not accept the Vehicle due to the fact the Vehicle is only worth $ XXXX and Repairs totaled $ XXXX resulting in 95 % repaired. This is XXXX XXXX XXXX XXXX XXXX TX that has decided to send late notices and collection notices regarding an Auto Loan for a Vehicle that was Totaled by USAA on XX/XX/XXXX. USAA stated to the Florida Insurance Commission that the XXXX XXXX XXXX XXXX XXXX would not give up the Vehicle. Note : This was not the Customers Shop of Choice and  USAA decided to repair Vehicle at the Shop and not the Customer. USAA is sending negative reports to the Credit Agencies regarding Customer not paying for a Loan on a Totaled Vehicle. On XX/XX/XXXX. XXXX the Bank Officer and Insurance Adjuster informed the Customer that the Auto Loan would be paid off due to Vehicle being totaled. This never happened and USAA kept of sending funds for Repairs even though they asked the Customer to send back Title and Keys to Vehicle. This entire matter is still going on with the Shop stating as of XX/XX/XXXX that a Final Payment is still owed even though the Vehicle was totaled on XX/XX/XXXX. USAA should correct any information they've sent to Credit Agencies because per their letters they were supposed to recover Vehicle and pay out the New Car Replacement Policy and the GAP coverage which was on the Bank Loan! I've sent complaints regarding both XXXX XXXX and XXXX XXXX XXXX XXXX with the Florida Insurance Commission and Department of Agriculture. Note : I was in NY attending my Little Brothers Funeral when the accident happened on XX/XX/XXXX and did not return to Florida until XX/XX/XXXX. I signed the Repair order XX/XX/XXXX which was immediately revoked by letter from USAA on XX/XX/XXXX stating the Vehicle was a total loss. Now I've lost use of Vehicle for 5 months, new car replacement coverage and GAP coverage. Also getting late and overdue notices on my Credit Reports which should not be happening because the Vehicle was totaled and the Loan was supposed to pay off by USAA.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and Im completely baffled as to how they got there. Everything was fine the last time I checked, but now these discrepancies have appeared for no reason. I even refreshed my browser in hopes that it was a simple error, but the inquiries didnt go away. Im seriously frustrated and need this issue addressed right away by thoroughly reviewing the documents I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Equifax : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent and initial dispute toTransUnion on XX/XX/XXXX sent certified Mail. they received it XXXX. Tracking and certified mail available.. I waited for a response and called and spoke to a representative on XX/XX/2020. No Results. or results of any method of verification letters. I explained the Laws of FCRA, the FTC and the EXPIRED 30days to dispute. I advised him that i will send certified NO RESPONSE LETTER CERTIFIED MAIL ASAP> and proceed with deletion of all unverified accounts.Transunion sent emails and responded to CFPB stating that I will wait on dispute. I didnt authorize or send any additional disputes. Per FCRA s 1629e ( 8 ) and violation of XXXX per account. Seems like something isnt right, to go past 30 days per the law. 30 days dispute period ended. you cant do that. thats direct violation of my Rights. I want to proceed with violation of my rights and seek attorney, they broke the LAW. I didnt authorize any RE Investigation, they didnt close or send me the 1st dispute results.
Product: Payday loan, title loan, personal loan, or advance loan

I took out an installment loan and I only took out XXXX XXXX and I was paying the loan off and I fell on hardship I didnt realize that they are charging me over a late fee charge every single day. And its reached XXXX XXXX of what they lend me.
Product: Money transfer, virtual currency, or money service

I am Filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and Financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/XXXX, U. S. Bank offered me an option to pay back a credit card by entering into their Restart Repayment Program. When the Representative presented the offer, she said I would pay back the debt over 60 months, and the U. S. Bank entry on my credit report would show up as a Voluntary Closure. After discussing the program with the U. S. Bank Specialist,  confirming and re-confirming the terms of the Program 6 times during our 90 minute conversation, including that my credit entry would be updated to show Voluntary Closure, I accepted the repayment terms the U. S. Bank Specialist promised me, and entered into their Restart Repayment Program ; I have been paying U. S. Bank as agreed since I entered into this agreement in XX/XX/XXXX. 

Based on that Agreement, in XXXX of XXXX, I assured a prospective landlord that the entry would show as Voluntary Closure, and when the credit was reviewed in XX/XX/XXXX, U. S. Bank had not updated my credit entry. On XXXX, I called into U. S. Bank to have them correct their mistake, and I spoke with XXXX, who was able to listen to the entire 90 minute call from XXXX, XXXX, XXXX. She came back on the line, and agreed that what I had been told was misleading, and that she also heard multiple times during the call that I was promised a Voluntary Closure of that account, if I entered into the Restart Program. However, she was unable to make the change herself, and had XXXX, a Manager from Solution Department, call me on XXXX. 

XXXX reviewed the XX/XX/XXXX and XX/XX/XXXX calls, and she also agreed that I had been given inaccurrate information and I had been mis-informed. The Manager XXXX also agreed I was promised a Voluntary Closure when I entered into the repayment Program. However, she was unwilling/unable to fix the mistake, and escalated my issue for a call on XX/XX/XXXX at XXXX XXXX  Unfortunately, no one from U. S. Bank ever called me back as XXXX had promised. 

I relied on terms of what U. S. Bank told me when I agreed to re-pay them and enter into their Restart Repayment Program, and I have been keeping up my end of the Agreement for the past 7 months. I would like U. S. Bank to do what they promised and correct my credit entry to show a Voluntary Closure. If logistically a Voluntary Closure can not be done, they should delete that entry on my credit report.
Product: Debt collection

In my XXXX, XXXX  complaint, I mentioned the {$2.00} Currency Conversion Fee. It was never addressed. Since that time I have sent several certified letters on this matter as it is not disclosed in the loan documents does not appear on the statements, but is added as a junk fee to the monthly Finance Charges as accrued Finance Charge. This amount exceeds the actual Finance Charge that should be charged. Why am I being charged a Currency Conversion fee? The bank backing the loan is in Utah. Greensky is US based. Entire account has been in dispute since XX/XX/year> with no response from the company. Per the terms of the loan this would constitute a discharge of the loan under the satisfaction guarantee clause, GREENSKY PATIENT SOLUTIONS TRANSPARENCY PRINCIPLES, and the Dissatisfaction Gurantee.
Product: Checking or savings account

On XX/XX/23 at Bank of America, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX. XXXX XXXX XXXX authorized a deposit of my security instrument. Which was duly stamped, scanned and imprinted XXXX banking details to be Credited to account. Was then denied for deposit after it was accepted by the bank after being authorized for deposit by XXXX XXXX XXXX. 
Then went to advise that the bank can not deposit my instrument after duly accepting it for deposit into the trust account we have with Bank of America. Which is direct violation of Federal Banking Laws pertaining to deposits.
Product: Checking or savings account

I first started getting hit with hidden fees then the tap option havent worked on my card in months and this is a replacement card. My phone was turned off because of my card tap option not working for 2 days.
Product: Credit card

Chase violated and continues to violate, with impunity, both Regulation Z and XXXX Banking code. 
Chase claimed on XXXX XXXX, 2016 that they received a dispute claim on XXXX XXXX, 2016 and a fraud claim on XXXX XXXX, 2016. It is worth noting the neither banking law or regulation Z make any distinction between the XXXX. 

On XXXX XXXX, XXXX Chase claimed that the cardholder called them about a fraud claim, this is false. Chase initiated dunning calls, another violation of banking laws and Regulation Z. If chase conceded they received a billing error notification, they are not allowed to try to collect the debt. 

On XXXX XXXX, 2016 again Chase falsely claimed that the cardholder called them, again Chase Chase initiated dunning calls, another violation of banking laws and Regulation Z. If chase conceded they received a billing error notification, they are not allowed to try to collect the debt. 

On XXXX XXXX, Chase alleged the letter of XXXX XXXX, 2016, received on XXXX XXXX, 2016 was insufficient, yet Chase made no attempt to speak to the cardholder to clarify any purported misunderstandings. Chase also claimed, correctly, that letter was set to the wrong address, however, this defense had not been raised before and the USPS did deliver the letter to Chase and Chase did sign for the letter on XXXX XXXX, XXXX.
Product: Credit reporting

My husband filed Chapter XXXX, which was discharged in XXXX 2015. XXXX, XXXX was contacted by trustee, but did not respond. We have tried to get them to correct our credit reports ( this debt was fully discharged ). They continue to misreport.
Product: Vehicle loan or lease

Long time ago me l was looking for cars and l have to give my information to the dealership XXXX XXXX XXXX company to see if l was qualified for a loan but ended up not doing it at all 2 month after that l found out that XXXX XXXX XXXX XXXX open an account under my social security getting a car loan for a XXXX XXXX XXXX XXXX  XXXX vin number XXXX with a loan of {$37000.00} through credit acceptance corp account number XXXX l found out one day l was checking my credit since l have no late feeds at all because l really keep track my credit and found out XXXX XXXX XXXX XXXX XXXX dealership use my information to get a car they create a profile with wrong information the only right information they put was my name and social security l did file a police report on dealership and XXXX from XXXX XXXX XXXX XXXX XXXX for identity theft the dealership and employee are under investigation for the fraud they did to me and my wife because they did the same thing with my wife they got a car under her social security through credit acceptance as well. I been trying to dispute that car loan since l dont own that car at all and lt be messing and hurting my credit bad. I do have a lot of evidence and proof that that car is not mine and that I never did that purchase the dealership its located on XXXX Arkansas and me l live in XXXX Kansas my police case number is XXXX detective XXXX the one under this investigation XXXX police department. If any proof or evidence is needed it l can sent it. I want to dispute this car loan of {$37.00} since l never signed anything or ever did this purchase at all like l said they did it without my consent and they use a fake phone number, fake address and fake gmail. If you need more information you can call my phone number is XXXX
Product: Mortgage

Someone by the name of XXXX, XXXX # XXXX of XXXX, A XXXX is making outrageously erroneous statement ( s ) on XX/XX/2017 that BOFA Merrill Lynch XXXX has a contractual relationship with Bank of America , National Association, and Bank of America , National Association acts as BOFA Merrill Lynch XXXX as provided by the terms of the Mortgage. 
Go to first Attachment, highlighted on page XXXX of XXXX, and go to second Attachment.
Product: Debt collection

I sent in dispute letters to the collection agency an the credit burrows as well to remove this account I have yet to get a response or anything back explaining the debt
Product: Debt collection

I was checking my annual credit report and this debt came up and i had no idea what it was about. I have never made any contracts with LVNV FUNDING LLC, and its an open account with a balance of {$940.00} stated on my credit report.
Product: Credit reporting or other personal consumer reports

Avant has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX XXXX and XXXX
Product: Debt collection

I have never received any notice to dispute or verify this alleged debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This company Commercial Acceptance Company has made a willful violation of the FDCPA. They also decided to report this false information on my consumer report without verifying it which violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provide proof that they have sent me a notice with a certified green return card bearing my signature, the shipping number, and verify this alleged debt by answering the attached dispute. If they can not provide the certified green card proving that they sent me the notice at least 5 business days before they started reporting and the verifying information requested in the attached dispute letter then I demand that this company cease all reporting immediately.
Product: Debt collection

Called my employer asking for me passing himself as a sprint customer that need to speak to me. When a manager picked up the phone and asked the caller who was asking for me the caller responded im a customer. When the manager picked up again and requested again who was calling for me since I was busy with a customer he then responded with his name and he was calling from Recover Management Services. When they requested for me they only said XXXX. Not by my full name. Also they continue to call my employer and not only getting me in trouble but calling private after my manager told them to stop calling my job. My employer came to me with a complaint. Call was made at XXXX XXXX/XXXX/2016. I have also requested a written notice of the bill with information of the collection company since I was first contacted about it XX/XX/XXXX and yet I still have n't received anything in the mail about the bill with any information and where it came from.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I believe my sister used my social security number to obtain student loans from XXXX XXXX, and then in 2014, XXXX XXXX sold them to XXXX, so now I believe I am paying for my own student loans as well as my sisters
Product: Money transfer, virtual currency, or money service

I had a friend who had asked me if I could help him move money off of his Venmo. I was decently close with him at the time and i have helped him XXXX money to his mom before. Well it was a ridiculous amount. about XXXX. I was stunned at first and just asked him what the XXXX. He told me he had been saving money for a while and had some money from his refund check for school which made sense to me. He had no way to get it to his XXXX XXXX to send to his family and asked if could help him. So I was just trying to be a friend and help and then next thing I know I got hit with a Venmo transaction dispute and when i went to ask him what the XXXX he just told me he doesn't know why and doesn't respond to me much more. The more i looked into it im starting to think my kindness was taken for granted and i got scammed by who i thought was a friend.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have XXXX collection accounts from XXXX XXXX for payday loans, I have never had a payday loan and they refuse to correct it. I have asked for them to fix this and remove the incorrect information, but all they say it was verified. This is not possible since I never got a online payday loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have two auto leases with XXXX. Due to a XXXX of my father, I had to change the way the payment was drafted. Once this change was made, they began applying payments to my XXXX, when they were intended for the XXXX. The XXXX ended up have multiple 30-day late reports on my credit. Backup information was supplied to XXXX.