23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

SPRINGS OAKS CAPITAL is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$140.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

I have sent letters on 3 separate occasions to this company, asking them to provide me the proof that I owe this debt. I have not received any response from them at all, yet they have verified the information twice to the credit bureaus. I have also contacted the original creditor and I have disputed the information directly with the credit bureaus. I still have not received any proof at all of the debt that they claim I owe.
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 violate the Consumer Financial Protection Act ( CFPA ). To go more into detail, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Causing my account to be hacked and money taken from my account and never refunded. I did contact support and the issue wasnt resolved I was just told to make another account. At that time I was using cash app as my bank for work and everything didnt even have my own real bank account as I thought I could trust cash app. Turns out I was wrong!

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 me significant inconvenience and financial loss, and I seek appropriate redress for these violations!
Product: Payday loan, title loan, or personal loan

Covid-19 has caused struggles, and job lost also my family members returning home to my house because work is not available. It is hard to maintain all the people in the household now. I somehow have to deal with XXXX family members, much less keep up. I need help. The inflation of everything is unbearable and with everything that is going on I can not afford to pay the loan back .I am asking the company to forgive me and clear the debt please.
Product: Credit reporting or other personal consumer reports

I have sent Transunion, XXXX, and XXXX the correct stuff that they are reporting incorrectly on my credit report I sent them all the neccasary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate info immidiatly also I have fraudlent inquries appearing on my credit report as the following goes. XXXX XXXX XXXX XX/XX/year> Remove all of the fraudlent and inaccurate data from my report you're commiting a willful FCRA violation and I am tired of you not taking me serious especially when I sent a FTC report plus the correct reports for the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, XXXX gave an offer of signing up for XXXX 's XXXX that they would pay {$45.00} for. I don't use my XXXX card much since they changed purchase protection. So buying XXXX XXXX XXXX was the only thing on my card. I paid the {$3.00} in taxes but instead of taking care of the {$45.00} as they promis3d, they said it would take XXXX billing cycles. The amount remained on my card since I purchased nothing else with my card. Instead of wiping out the debt they promised to pay, they charged exorbitant late fees and interest charges, which I then I had them removed. This went on for a couple of months until I just canceled the XXXX 's XXXX membership as it did not look like they would ever honor their promise and they were reporting me late to the credit reporting agencies for money I did not in fact owe. I tried to get them to remove the late reports and they refused. I disputed it with the XXXX agencies but Experian also refused to remove it. This has significantly hurt my Experian score and my ability to get a new credit card which affects me greatly. XXXX 's practices were greatly deceptive. ( XXXX had like offers and immediately removed the charge. I had no expectation that XXXX would not due so. It was after the fact that I learned they wouldn't. ) I think both XXXX and Experian should be forced to immediately remove these late reports and adjust my score accordingly.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX XXXX : {$310000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$770000.0XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX  XXXX Balance : {$3000.00XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX XXXX Balance : {$8400.00} XXXX XXXXXXXX Balance XXXX {$9900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX : {$80000.00} XXXX XXXX XXXX Balance : {$76000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I received the following correspondence. that XXXX indicated that it is the credit reporting agencys task to remove my XXXX  account with experian please read attachment
Product: Debt collection

Well, I contacted this collection many times and I asked them to provide me proof of ownership. This collection company never provider me any credit. of ownership so now this collection does not have any license to collect that in my state of Minnesota. This company does not have it any license in my state. I wan na them to remove from my current report test collection as soon as possible.
Product: Credit reporting or other personal consumer reports

I was told if collection is paid off, it will be deleted off my credit report and unfortunately, it's still showing up on my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was sent {$300.00} on XX/XX/year> but never received anything. My name is XXXX XXXX, my zelle email is XXXX. My SSN is XXXX
Product: Credit card or prepaid card

Hi, I have recently starting having this problem about a month ago. 

I enter my userid and password and I'm passed to a link that says " We've detected a problem while logging in ''. I am then prompted to select receiving a special code to let me login. I selected a phone call which happen correctly and successfully. This is a pain in my back side. 

I just got off the phone with CapitalOne 's customer support people. I asked them why I was being required to do their 2 step verification process CONSTANTLY. They said they couldn't help me. I asked for a supervisor and got the same answer. Clearly there is something wrong or broken with this process ( me or their web site ) but was told that there was NO ONE WHO COULD HELP ME and that their site is functioning properly and that, basically, I was stuck. 

This answer is unacceptable to me but I could NOT find someone who could help me. 

Can you get their attention on my behalf please? 

XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Re : Complaint for Resolution of Inaccurate Account Reporting by Wells Fargo Dealer Services Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an inaccurate and misleading account listed on my credit report with the credit bureau. The account in question is associated with Wells Fargo Dealer Services and has been reported as " Closed '' and " Charged-off. '' My name is XXXX XXXX, and my date of birth is XX/XX/XXXX. The account details are as follows : Account Name : WELLS FARGO DLR SVC/ Account Status : Closed Type : Auto Responsibility : Joint Account Remarks : Charged off account Last Payment Date : XX/XX/XXXX Current Payment Status : Charge-off Worst Payment Status : Charge-off Balance : {$32000.00} Opened : XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Payment History : Youve made 100 % of payments for this account on time. 

I have thoroughly reviewed my credit report, and I believe that there are inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) in the reporting of this account : 1. Lack of Clarity on Account Status : The account is listed as " Closed, '' which may mislead creditors and lenders regarding the current status of the account. As a responsible consumer, I am concerned that this inaccurate reporting may negatively impact my creditworthiness.

2. Unsubstantiated Charge-off Status : The account is reported as " Charged-off, '' indicating that the creditor has written off the debt as uncollectible. However, this information does not provide any details on the date of the charge-off or the circumstances leading to this status. The FCRA requires accurate and complete information to be reported, and the absence of crucial details raises questions about the veracity of the reported status.

3. Insufficient Payment History Details : The payment history section does not provide a detailed breakdown of payments made on this account. As a result, I am unable to ascertain whether the payment information is accurately reflected on my credit report.

Given the seriousness of these discrepancies, I hereby request the Consumer Financial Protection Bureau to investigate and facilitate the rectification of the inaccurate reporting by Wells Fargo Dealer Services. I believe that the discrepancies listed above warrant immediate action under the FCRA to ensure the fairness and accuracy of the information provided to potential creditors and lenders.

I appreciate your prompt attention to this matter and request that you keep me informed of any actions taken in response to this complaint.

Thank you for your dedication to protecting consumers ' rights and ensuring fair credit reporting practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They have called me several times. To be specific XX/XX/20, XX/XX/20 and today XX/XX/20. They were harassing me asking me for my personal information such as address, date of birth etc. I asked them why they are calling and they would not tell me unless I gave them my personal information. The guy got an attitude and cursed at me. I asked them to quit calling me the first time but they did not. They also have called me in late hours of the night.
Product: Debt collection

Dear Consumer Protection Bureau, I am writing to formally lodge a complaint against Portfolio Recovery Associates , LLC, regarding their repeated and harassing behavior toward me. Over the past few months, they have called me over XXXX times. However, every time I attempted to answer, they would immediately hang up, leaving me without any opportunity to resolve the situation or understand the purpose of their calls. 

I repeatedly attempted to inquire about what was going on, but each time I did, they would disconnect the call without providing any explanation. This ongoing harassment has caused me significant stress and frustration. 

To make matters worse, after these incessant and unproductive calls, Portfolio Recovery Associates proceeded to sue me, despite my credit already being in dispute. The account in question had been flagged as potentially linked to the dark web, and I had received a notice that it was used fraudulently by an unknown party. Despite this serious issue, Portfolio Recovery Associates continued their aggressive actions without investigating the validity of the debt. 

This situation has greatly affected my peace of mind, and I feel that their behavior is not only unprofessional but also a violation of fair debt collection practices. I respectfully request your assistance in investigating this matter and holding Portfolio Recovery Associates accountable for their harassment and unjust actions. 

Thank you for your time and attention to this complaint. Please let me know if you require any further information or documentation to assist in your investigation. 

Sincerely,
Product: Debt collection

I have numerous medical bills that goes against the hip as law I will list them below along with me social security number : Account resolution service - {$900.00} XXXX XXXX   - {$530.00} Account resolution XXXX - {$150.00} XXXX  XXXX  XXXX XXXX  - {$820.00} Social security number XXXX
Product: Student loan

I made payments towards my loans and they applied the payments to interest that should not have existed on my account. They only remedied this when I called it out to them on a phone call with their agent. There wasn't an acknowledgement of their error. I keep meticulous records of my payments but their website does not provide much for clarity on my payments and how they are being applied. I do NOT have confident in them being an adequate loan servicer for my loans and they will be a detriment to my success in repaying my loans. They are so terrible that the Department of Education publicly withheld payment for services because they were not able to accurately return millions to repayment, me included. 

Same issue as before where they still haven't paid out on the legislatively guaranteed refund of XXXX payments : Called to request refund of payments made during the XXXX forbearance on XX/XX/XXXX. Was told they needed 90 days to process the request. Followed up for status check to confirm that request was still happening on XX/XX/XXXX. Followed up for status check and was told it was still being processed on XX/XX/XXXX. Followed up for another 30 day status check and was told that it was still being processed on XX/XX/XXXX. Had figured that the refund would occur by 120 days since request. Called again for update on XX/XX/XXXX and still was told they needed time to review. They could provide ZERO clarification on what the hold up was. Called on XX/XX/XXXX. Was told that it could be escalated upwards and a resolution should be expected in 30 days. On XX/XX/XXXX, I was told it could be escalated up and I would have a resolution in 30 days. I have heard nothing. I sent a messages via their portal and was told to call them again for follow up on XX/XX/XXXX. I sent a previous CFPB and they finally responded that I would have a remedy from XXXX days after XX/XX/XXXX ( a year after the initial request ). I called them XX/XX/XXXX for an update and was told they would escalate it upwards. It is XX/XX/XXXX, nearly 16 months after the initial request. Still waiting for the request to be remedied and the refunded money that was legislatively guaranteed to me to be paid out while I still have bills and missed opportunities for investing this money myself. We are over XXXX business days from their initial letter stating that they were sending it to the treasury.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Transunion must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. Accounts list as follow : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank In accordance with the Fair Credit Reporting act These Accounts have 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... PORTFOLIO XXXX ... XXXX XXXX ( Original Creditor : XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Mortgage

I paid off my mortgage on XXXX XXXX, 2015. I called on Nationstar on XX/XX/XXXX to confirm that the pay off was received and credited to my account and the automated system reported that I still had have a balance and a payment due. Nationstar 's phone system does not provide a menu option to speak to a representative. With great difficulty, I was able to reach an agent named XXXX by " lying '' to the system and telling it that I wanted to make a payment by phone. XXXX confirmed receipt of the pay off funds and adivsed that an escrow refund of {$1300.00} would be mailed to me within 18 days of pay off. On XX/XX/XXXX, I called back and spoke with XXXX. I notified XXXX that their automated system continues to say that I have a balance and a payment due. She again confirmed that the pay off was received and credited to my account. She could not provide an explanation for the system still showing a balance but advised that it would be corrected. She also advised that XXXX had given me correct information as escrow refunds are retirned within 30 days of pay off. On XX/XX/XXXX, I called back to investigate why I still have not received my escrow refund. The automated system continues to say that I have a balance and that I am overdue for the payment due on XX/XX/XXXX. This time I spoke with agent XXXX who again could provide no explanation. I expressed my concern that this account may report late to the credit bureaus. He responded with " Well, if that happens, just give us a call back. '' This is unacceptable! He also advised that my escrow refund has not yet been processed. I explained that my understanding is that the law requires that escrow refunds be mailed no later than 30 days after pay off. XXXX said that I would need to speak with someone in the escrow department and that he would transfer me. After over 20 minutes on hold, a representative named XXXX picked up but was apparently having phone problems and could not hear me. I called back and searched through the menus for the escrow department. After another 30 minutes on hold, I hung up in frustation. Altogether I have spent approximately 2 hours on the phone and on hold with no resolution for this problem in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent a letter of disputing a charged off code on my credit report for XXXX and equifax since XX/XX/XXXX. XXXX and equifax has not removed or delete XXXX  XXXX account this account is closed and paid as agree
Product: Mortgage

I have a mortgage with SLS Specialized Loan Servicing # XXXX that was under an 18 month Covid forbearance and once that time period ended I requested a deferral and was under the impression from day one that it was a viable option for me. XXXX basically waited to tell me three weeks into month 19 that it did not qualify for a deferral and that I either had to pay back 18 months in full to keep my perfect credit score rating or request a loan modification and let my mortgage report late for 18 months. I ended up just paying it all back and had to use my retirement savings to do so. Had I know from day one that a deferral option was not available then I would never have agreed to enter into a forbearance. Now I am having to sell the property to get the equity back out of it to replenish my retirement accounts. The way that XXXX handled my case was complete and utter discrimination.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, an unsolicited {$300.00} was sent to my zelle account via phone number. A few minutes later, a presumed scammer texted my phone number and requested I manually send those funds back. I contacted my bank and requested the original transaction be reversed and performed no other action. 

Approximately two weeks later, my account was permanently disabled on zelle due to purported fraud. I contacted my bank to dispute this and was informed there is no action they are able to take as the decision lies exclusively with zelle. My bank informed me that zelle made no attempt to investigate nor did they reach out to my bank about this issue.