23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Date of incident : XX/XX/XXXX Date of emergency visit : XX/XX/XXXX Amount I have to pay : {$3100.00} Company I contracted XXXX XXXX from : XXXX XXXX. 
Collections company : Amcol systems Hello, I was told to reach out to yall regarding this on going issue I have been facing with XXXX  XXXX for almost a year now. 

I had dined in at XXXX XXXX in XXXX XXXX, tx and contracted severe XXXX XXXX that resulted in a very expensive emergency room bill. I could not eat or drink for 3 days nor work. When i went to the emergency room it was infact XXXX XXXX XXXX I had gotten from XXXX XXXX. I had never been that sick in my entire life. I have been reaching out to them since the incident to see if they will help pay for the bill. I get no return phone calls or emails from them regarding my complaint. When i do call and I am lucky enough to actually speak to someone they blow me off saying someone will reach out to me and it never happens. This is the same restaurant that was in the news for having bad temperatures in their freezers and having to discard thousands of dollars in bad food products. 

At this point my bill had been sent to collections and I have almost paid the entire thing off while I have been going back and forth with XXXX  and getting no where. I dine with XXXX quite frequently and also a member of XXXX select club and their XXXX XXXX club with the casino. I feel this is absolutely rediculous for them to treat customers this way and am reaching out to yall as a last leg for help. 

I do not feel obligated to pay this bill. I have been paying on my collections and have n't missed one payment. My account is up to date and in good standing however I have 2 derogatory marks on my credit right now because of this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several items on my credit report on numerous occasions that are not being addressed by the credit agency to my satisfaction. These reporting 's are either not mine, I have no knowledge of ; or are of fraudulent reporting 's to Transunion credit bureau. 

I have submitted on paper and online to Transunion. 
Sometimes I receive a response via my credit report - not from the credit reporting agency and the response I receive is " verified claim belongs to me. '' This is not possible as I am 1 ) experiencing identity theft issues currently ; 2 ) some medical claims are mine YES, but the physician making the claim is double dipping after insurance claims being filed and paid ; 3 ) in the past 6 months alone, I have had > than 90 hard inquiries being reported on my credit report that I have no knowledge of and are unauthorized.
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 ). Specifically, Cash App failed to take timely and effective measures to prevent a 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: Credit reporting, credit repair services, or other personal consumer reports

This List of companies obtained my credit report without my permission or consent in hopes of getting selling and auto loan for someone who is not me. I have disputed the credit bureaus and as well as wrote the companies of this ill committed violation against me. They have refused to comply by providing the signed or written consent giving to them by me to process this application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old account remove immediately Car was a lemon n was over the blue book prices
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear cfpb I have XXXX closed mortgages that are not mines XXXX  XXXX XXXXand XXXX XXXX XXXX XXXXr XXXX. I contacted this company several times. They said they would remove it. Its a closed account that's not mines and I keep seeing on my report. They are both negative with lates. They also put a credit collection for medical the bureau. This is illegal. Please have them remove these lates from my credit.
Product: Credit card or prepaid card

On XX/XX/2020 my wife and I are senior citizens and were victims of a fraudulent transaction. We both attended a presentation in XXXX XXXX, Floriday by XXXX XXXX XXXXXXXX  of XXXX  Missouri. As a result of fear and high pressure tactics over more than 3 hours, we were forced to sign a contract in the amount of {$17000.00} to exit 2 timeshares for which we had originally paid {$15000.00}. The transaction included charging {$3000.00} to an existing Chase credit card in the name of my wife, XXXX XXXX XXXX, and then opening up 2 new credit cards of {$7300.00} each with XXXX XXXX XXXX in my name and with Chase in my wife 's name, for a total of {$17000.00}. The premise was that our children would be liable for thousands of dollars of maintenance fees which would be taken from their estate after we were deceased. We were assured that the intire process consisted of sending a form letter to the timeshare companies to which they were legally obliged to respond, and that the entire process should only take about 90 days. In the event of a rare problem, it might take up to a year, but thay were offering us a money-back guarantee. We signed the enclosed documents, and I began following up monthly at the Call Center telephone number at XXXX XXXX XXXX that they had given us. Each time I was told that the timeshare companies had not responded to their letters. In XXXX, I called 3 times and could not get any reply so I became alarmed. I then began a XXXX search and discovered that XXXX XXXX XXXX was part of number of timeshare exit companies being sued by the Attorney General of Missouri for fraud, including XXXX XXXX XXXX. I then opened disputes with the 3 credit cards. XXXX XXXX XXXX resolved the dispute in my favor within a month and refunded to me {$7300.00}. Chase did not. After 4 months our dispute was denied with no explanation. Enclosed please find a copy of our contract, a news report showing that the Missouri Attorney General is suing XXXX XXXX XXXX ( among others ) for fraud, and a letter from the Missouri Attorney General referring our complaint to the Enforcement Unit for action. 
The XXXX XXXX XXXXn Group and its afilliates XXXX XXXX XXXX  and XXXX XXXX XXXX  are parts of a criminal racketeering enterprise which has defrauded hundreds of seniors of their lifetime savings. I demand that Chase refund our money immediately. 
Since XX/XX/2020 we have received no communication from XXXX XXXX Protection of any actions taken by them to resolve this issue, including documentation of escrow funds ( as requuired by law ) nor any correspondence to and from the timeshare companies. I am reporting them to the FBI for prosecution and to the Attorney General of Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

PYOD LLC has knowingly furnished false credit information to the credit reporting agencies as a means of coercing payment on this extension of credit by the use of unlawful extortionate means. 
I have reason to believe PYOD LLC had prior knowledge that punishing a consumer for the nonrepayment of an extension of credit by engaging in extortionate means is a violation of the False Claims Act and Racketeer Influenced and Corrupt Organizations ( RICO ) act. PYOD LLChas not attempted to lawfully validate this alleged debt prior to furnishing this false trade-line to nonaffiliated third parties as ana attempt to jeopardize mu consumer credit reputation. I did not and do not consent to the furnishing of this false tradeline to any credit reporting agencies. 
The furnishing of this false tradeline violates the FCRA. I am demanding PYOD LLC provide me with a bill of assignment, your license to collect in my state, and your errors and omissions insurance information. PYOD LLC is also to provide documentary evidence such as the books of account or any evidence as described under 15 USC 44 that this is in fact a legitimate debt owed to them. A statement does not prove anything. If your enterprise sends me a statement, I will take that as your complete disregard for the law and financial reputation and move to file suit for the intentional infliction of emotional distress I receive on behalf of these extortionate tactics. If PYOD LLC can prove this extension of credit is in fact a debt as they claim, I would like to know what legislative branch granted your enterprise the right to collect debt in the United States. IF your enterprise does not have prior approval from any legislative branch of government in this united states your company is knowingly in violation o the False Claims act and shall be turned in to the attorney general. If this account turns out to be an extension of credit, PYOD LLC is knowingly engaging in racketeering activity to fund its criminal enterprise. Ignorance of the law is no excuse to violate it. As your enterprise should know that punishing a consumer for the nonpayment of an extension of credit by furnishing false information to third parties in order to jeopardize the financial reputation of the consumer with other financial institutions constitutes aggravated identity theft 18 USC 1028a and violation of the RICO act 18 USC 894. Although your enterprise my have lawfully purchased the debt you are not exempt from any legal consequences as your activities have not been in accordance with the FDCPA, you should be also aware that your company will held responsible if youre at fault for engaging in these unlawful extortionate means as there is no innocent purchaser for value. This is a demand to cease and desist all illegal collection activity and to remove this fraudulently furnished tradeline from my consumer credit report immediately or I will follow up with a complaint with the FTC and my states attorney general and move to file suit in federal court.
Product: Checking or savings account

About 2 months ago I noticed some fraudulent charges on my checking account from the XXXX store. I never had an XXXX  store account before so I called the bank and explained what happened. The gentleman on the phone and I came to the conclusion my card number had been stolen and he said he would work on getting my money back. He ordered me a new card after cancelling my old one and I moved on with my day. About a week or so later I noticed the money was back in my account for almost {$200.00} and accepted the fact they fixed the issue. 

I noticed today when checking my account I was {$170.00} in the negative on that same checking account and noticed they all said miscellaneous charge and so I called the bank to ask whats up. The woman I spoke to talked to her manager and they realized it was because when the investigation had concluded they deemed most of the charges not fraudulent they took the money back. They had sent me a letter about a week or so ago it but when I read it I didn't really understand what it was explaining other than 'investigation concluded no further action needed ' and just put it in with all my other mail and forgot about it. The woman explained there was nothing they could do the charges are valid. I explained again I do not have an XXXX store account and she said there was nothing they can do. I then explained how this made me upset and that I was cancelling my accounts tomorrow and banking somewhere else. She then told me to have a great night and thank you for banking with us and abruptly hung up.
Product: Debt collection

the debt is been paid on monthly payments {$150.00} XXXX, {$60.00} XXXX, {$60.00} XXXX, {$50.00} XXXX {$50.00} XXXX Check XXXX. As long XXXX XXXX cashed the payments, there is no reason to report incorrect information in my credt report. The issue of monthly payments were explained to the debt collectio agency on about XX/XX/2019. No additional demand of payments was made corresponding by mail ; consequently, their tactics to collect this debt is illegal.
Product: Credit reporting or other personal consumer reports

I purchased a van through ally finacial. The van was totaled out. My insurance company sent them a check. They are claiming that there was a balance still due. There is NOT. They have ruined my credit score Ive logged into the ally financial website and it says theres a balance of {$6000.00} Ive asked for proof of this they have not responded and phone reps refuse to send the info to me. Theyve been reporting on my credit report twice a month since XXXX balance past due. Which has brought my score all the way dow to XXXX. I want this information removed from my report as it is not accurate. I want copys of the payment history and of the check sent from the insurance company and I want the double past due reports removed from my credit reports. Removed from ALL CREDIT BUREAS.
Product: Student loan

Good Morning, I am submitting a complaint in regards to PSLF counts not being updated properly in a timely manner. There have been numerous borrowers that have similar timeframe as myself that had there counts updated. Instead, Ive been told another 90 business days from Mohela. 

Below is my timeframe. 

XX/XX/XXXX : Used PSLF tool helper to generate PSLF certifcation/waiver application. Submitted via mail PSLF certification/waiver along with consolidation. Received/Processed XX/XX/XXXX. 

XX/XX/XXXX : XXXX  reports missing handwritten signature, which was resent back the same day. Per XXXX, XX/XX/XXXX received missing documents/processed. 

XX/XX/XXXX : Transferred to Mohela and loans dispersed XX/XX/XXXX. XXXX Mohela website, PSLF application states it was processed on XX/XX/XXXX. Employment approved/verified. 

XX/XX/XXXX : Called Mohela to inquire on status with PSLF Waiver counts. Per PSLF specialist, able to verify approved PSLF employment. States it will be an additional 90 days starting XX/XX/XXXX. Informed specialist that there have been numerous people that have had waiver counts completed with similar timeline and asked why another 90 business days. However, specialist was unable to give proper answer on why the clock was resetting back to 90 business days.

I would like an update on the situation as there hasn't been a good answer on whether my application is under review so that I verify accuracy of PSLF counts.
Product: Checking or savings account

I was trying to lol I my account with XXXX but the company dont allow me to donso
Product: Debt collection

Ill be contacting the FBI. Yesterday I received a letter from a collection agency Synergetic communication, inc stating that I owe {$1100.00} to XXXX XXXX for a debt originally belonging to XXXX. I do not owe any money to any source for any reason ... I have absolutely perfect credit and zero outstanding debt anywhere. I see nothing on my credit reports regarding this debt. I have absolutely no negative information on my reports. Out of the blue I received this strange letter offering To settle the debt for {$290.00} and Im told I have until XX/XX/20 to send payment. I never heard of this company and theres vague information in this letter regarding this mysterious debt. I searched online and this company seems like they are scamming a lot of people. The better business bureau pages are filled with complaints. I do not owe any money to anyone. I am not responsible for this debt and I find it alarming how all these companies have very little info on websites. All they have on website is a credit payment option and nothing regarding the bill I am being asked to pay. This is clearly a scam and I think these people need to be shut down fast. I know my right and this debt does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$19000.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. ( TD AUTO FINANCE XXXX Date opened XX/XX/2016 Balance {$19000.00} )
Product: Credit reporting or other personal consumer reports

There are multiple late payments incorrectly reported by these creditors to Experian, which is deeply frustrating. These payments were made on time, yet they continue to appear as late on my credit report. This inaccurate reporting is unfair and is negatively impacting my credit score.
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. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX5 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: Checking or savings account

XXXX {$330.00} & {$660.00} I've already tried opening a dispute with chase but they denied it and whenever I attempt to call asking for the evidence they use they don't answer.
Product: Debt collection

I had a old bill with sudden link a XXXX company I paid the debit but sunrise credit service keep hard hitting my credit score so I called sunrise and told them that I paid and they still was trying to get money out of me and the man talked to me real nasty and unprofessional and also hang up In my face
Product: Student loan

I would like to know if I am one of the ones that has been charged too much for my loan. I have been paying on it for years, and it just never goes away. I struggle monthly to pay this as I had to have my elderly mom be co-signer and I wo n't make her have to worry about it. I would appreciate any information that you can provide me.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX American Express Card . 


I provided all of the account number for my XXXX XXXX account, talked with high risk who said everything was approved and that new account to would follow up with me to them denying my application after making me wait 2 weeks for any type of notification. I have the appropriate XXXX XXXX accounts that I need for this card. I will provide them below again XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally file a complaint against XXXX XXXX of the Ally Bank XXXX XXXX regarding his unprofessional and abusive conduct during multiple phone interactions with both myself and my wife. 

XXXX XXXX repeatedly treated my wife with disrespect, making false accusations that she is a criminal, hanging up on her multiple times, and telling her she is a bad person. His words and behavior were so distressing that they ultimately led to her being placed on suicide watch. All of this occurred over bounced ACH payments on an antecedent debtpayments that we had every intention of clearing at the time. 

Despite XXXX XXXX stating that he was not recording our conversations, my wife recorded them on our end as evidence of his inappropriate and harmful conduct. His behavior was not only unprofessional but also deeply damaging to our well-being. 

As a resolution, I am requesting the following : 1. That XXXX XXXX no longer contact me, my wife, my father-in-law, or any other family member. 


2. That our file be reassigned to a different representative.

3. That all future communication regarding this matter be conducted exclusively via email or mail.

No customer should be subjected to this kind of mistreatment, and I urge the you to investigate this matter. Please let me know the next steps in filing and processing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX to get a credit report and it say regular inquiries with ( CAPITAL ONE XXXX, VA XXXX ) and I do not recall doing this
Product: Student loan

On XX/XX/XXXX my credit score with top three agency 's was XXXX. The score is always around XXXX to XXXX depending on the day for the past 3 years. 

On XX/XX/XXXX Navient reported to the credit bureaus that the student loan was 120 days late which dropped my score XXXX points. I was devastated when I saw this change to my score. I recently had to move my Mom in due to the pandemic, because my other sibling lost his job and they all moved in with me. My Mom has hard time climbing the steps to enter the house. I am being denied a home improvement loan because of this drop. I contacted Navient about the payments and asked them if they could remove the late payment from my credit report. I also asked if there was a payment plan that would allow me to pay less than the {$800.00} a month that was due. The first thing the representative suggested was a forbearance agreement, I didn't want to use this as a result to remedy the situation, but was told it was the only way to bring the account current and would give me 3 months to catch up and be able to start making payments. 
I then asked why was the payment reported as late, when according to Consumer Financial Protection Bureau website states that Federal student loan repayments were on pause for interest and payments until XX/XX/XXXX so how was the payment late. 
The rep told me that was for Private loans only, I told her to please check that because I was just on the site and it's in bold letters that repayments were on hold until XX/XX/XXXX, so how can this be reported to the credit bureau as late. I asked to have it removed from my credit report and was told this was impossible as the credit bureau is the one he placed the late payment. We went back and forth until I hung up and called back and spoke with another rep. The next rep talked about a repayment plan that would lower the payment to half and start on XX/XX/XXXX. I asked her the same question about having it removed so I could qualify for a home improvement loan to make the changes to my house for a ramp, for my elderly mom to access the home. 
She told me the same thing that the credit bureau would have to remove the late payment, I argued that it should have not been reported late, when the XXXX deadline for the pause on payments have not occurred. 
I gave up until today. 
Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX score dropped 19 points in one day from XXXX to XXXX after getting on negative removed. This is such a fraudulent game they play my score has never gone above XXXX ever its ridiculous to be penalized for removimg and disputing. So sick of this game the agencies play with scores and not actually investigating and showing proof of the investigation. They do not care and I am in credit purgatory and will never be able to buy a home for my XXXX child. Its like I am pinned to never get to be able to.buy anything to improve my life I feel like my credit is kept low and its games these companies play with peoples lives. Remove the duplicate and inaccurate accounts asap and put my score back up 19 points in one day for no  reason. None.