23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have requested several times that Aspire Inc ( http : //www.aspireresourcesinc.com/ ) take the phone number of my previous place of employment off of their contact information to contact me with questions regarding my loan with them. I have, several times over the phone, requested they use my current phone number to contact me and not my previous employers ( who I have not worked for since XX/XX/2015 ), and yet they continue to harass my ex-coworkers.
Product: Credit reporting, credit repair services, or other personal consumer reports

A particular card is being reported to the credit bureau as if it were in a bankruptcy in 2016. This information is in accurate. The card was actually a charge off. I have called the bank regarding this reporting error four times over 42 days. I am being denied a mortgage because of this information. I have only a few weeks until we are supposed to close. Despite my best attempts I am unable to get this particular creditor to report the information accurately. Disputes have been filed
Product: Credit reporting or other personal consumer reports

The rent recovery solutions caller threatened of court action and never reached back to me after i told her that the facts were not correct. She said hold on and eventually hanged the phone. I tried to reach back to no avail. When i moved out of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 

When i got a job i Minnesota i did give a two months notice to the respective estate managers and they approved. For the month of XXXX through XXXX i was already out of state for training and no one was leaving on the apartment and rents were cleared through end of XXXX. The lease termination dates stated by XX/XX/year>. I, flew to XXXX on XX/XX/year> arranged my items in the truck early morning of Saturday XX/XX/year>XXXX  and cleared by a lady called XXXX at the office before i left. I asked her and the manager if there was any other thing required of me and they said no you're good and they signed the clearance and kept on file. That was around XXXX. 

Later on XXXX XXXX called saying that she's sorry she did a mistake by not collecting a lease buy out sum from me. She admitted that she was new and had no grasp of the process. She said the property manager had to make her pay and asked if i could pay the sum back so that she could be reimbursed. i agreed with her and she kept texting and calling of which i explained to her i was on transition and as a sole breadwinner things were not easy but if the error was made i will pay the sum. I made a pay to one of the several links she made to me on XX/XX/year>XXXX  of {$800.00} Invoice no : XXXX. All correspondence and invoice attached as evidence. Several times she could send the links asking for same figure of {$2100.00}. I sensed this is either fraud since they could not deduct the money paid and give the correct figure. Messages between me and her can elaborate that. I was willing to clear the balance once rightfully given the correct figure and not misrepresentation. XXXX rent money orders attached along as evidence to show case i dont owe any rent arrears to XXXX XXXX. Their failure to clarify clerical duty to the client can not be my responsibility to when in whole i have not failed to fulfil my rightful part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized credit inquiries on my credit report as the result of identity fraud. The companies that summitted inquiries and the dates they submitted inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

For several years I have received notices from Convergent Outsourcing Inc . According to the notices the debt is for XXXX. Although I admittedly owed XXXX nearly 14 years ago that debt has been paid. Not only was the debt paid immediately but I was also subjected to a state operated " bad check '' program which required me to pay for a course for unknowingly spending beyond my limit. In total I have paid more than {$250.00} for a less than {$50.00} overdraft when I was XXXX and I am still being harassed. I have explained this information to Convergent in the past but they continue to harass me. I have done research and apparently this company uses tactics to scam unknowing consumers out of money. It 's disgusting that our personal information has somehow fallen into the hands of this fraudulent company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently decline for a credit application. I was going over my file seen addresses that are not mine on my file.My name is XXXX XXXX XXXX. XXXX XXXX is NOT my name please remove any varitions. My current address is XXXX XXXX XXXX XXXX OH XXXX. I have attached a copy of my IRS letter as proof of my address. 
The follow addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have two account the I have never done business with on my report as well XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Please delete these items they are not mines. I have no record of doing busness with them.
Product: Vehicle loan or lease

I used  Charles Schwab  's Bill Pay to make payments on a  XXXX   XXXX  loan that I had paid current since  XXXX . In  XXXX   XXXX  I set up the account to autopay the loan through the loan 's final payment in  XXXX . Instead of doing what it was supposed to do, the system overrode the date I put in and set  XXXX   XXXX  as the final payment date. In  XXXX   XXXX ,  XXXX   XXXX  sent a letter threatening collections, and that was when I first became aware that  Bill  Pay had failed. I paid the loan payments current, and then had the  Schwab  rep get on the phone with the  XXXX  rep. The  Schwab  rep said that the error was likely a  Schwab  system error, but refused to send a letter or email to  XXXX  because of legal liability issues. Apparently this is an issue they are aware of and are trying to limit liability with very little thought as to how it harms customers.  Schwab  now refuses to admit its error and instead is telling me that I put in the wrong date. They did not review their system or provide any evidence to counter my witness testimony.     My husband 's  credit score  was negatively impacted, and our interest rate on our new home ( closed in  XXXX   XXXX  ) was adjusted upwards as a result. The additional annual interest charge is over {$2000.00}, and we are requesting that  Schwab make us whole on the increased cost. My husband and I gave ample warnings about the effect of  Schwab  's erroneous reporting, and were consistently ignored.     The contact at  Schwab  is  XXXX   XXXX , Managing  Director  - Banking Operations at  Charles Schwab  Bank. Her phone number is  XXXX . She has refused to discuss my account with my husband even though it is his credit that was affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name on my Equifax Credit Report is spelled and reporting incorrectly
Product: Debt collection

I'm disputing the following information on the XXXX credit reporting agencies. I was the victim of identity theft and the following account and inquiries are listed without my knowledge, consent or authority. Please see that MONEYLION INC is removed from my credit reports along with ANY inquiries related to XXXXXXXX XXXX or XXXX XXXX XXXXXXXX , I'm submitting this complaint along with my FTC report which is a legal representation of the facts. I need this matter handled ASAP as it's impacting my ability to do a loan and is causing me a ton of emotional, physical and mental health issues.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX  Date opened : XX/XX/XXXX XXXX {$1300.00} is not my account. I have never open this account and it was not authorized. Account name : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2100.00} is not my account. Also says this account had been bought so it shouldnt be on my credit report plus it was not authorized. Account name : XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$1100.00} is not my account. Account name XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$240.00} is not my account and was not authorized. Account name : XXXX XXXX XXXX  XXXX has been paid and should be off my account. Account name XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$240.00} is not my account and was unauthorized. Account name : XXXX XXXX XXXX is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the debt that XXXX XXXX  is attempting to collect from me, based on the Michigan statute of limitations on debt and 15 USC 1681b. The debt in question is a secured credit card. 

According to the Michigan statute of limitations on debt, the statute of limitations for the type of debt in question has expired on XX/XX/2022. Therefore, XXXX XXXX is no longer legally permitted to collect this debt from me. 

Furthermore, the Fair Credit Reporting Act ( 15 USC 1681b ) states that after seven years, negative items on a credit report must be removed. As the statute of limitations on this debt has expired, your company is not permitted to report this debt to credit bureaus, and any such reporting is in violation of the FCRA. 

I demand that XXXX XXXX immediately cease all attempts to collect this debt from me, as it is time-barred by the statute of limitations. I also demand that you remove any negative items related to this debt from my credit report. 

If I receive any further communication from XXXX XXXX regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action. 

I would appreciate a prompt response to this dispute, including confirmation that you will no longer attempt to collect this debt from me and that you will remove any negative items related to this debt from my credit report
Product: Credit card or prepaid card

Well Fargo is numerical showing payments were applied but never actually applied all.
Product: Credit card

I am Best buy store credit card holder since long time.

Last year on XXXX I found some fraud activities on this card. Some Phone of worth {$270.00} was purchased. 

I reported the same to Best buy ( card issuer ) and CITI Bank ( card company ) and they asked me to File a case with Police as well which I diid. 
Best buy case : XXXX Police Case : XXXX I have gone to store multiple times to get video footage but they never shared with me. 
Police Officer called me and discussed everything and told me you are the victim and a fraud happened with you. 
I shared all these details to CITI Security team but they sent me letter that they don't see any Fraud happened and you are responsible for the payments. They asked me to provide addtional info to further investigate it. 

I asked CITI back to provide me detail investigation report which they never shared. 
I asked them that IMEI number showing on Receipt can be tracked and that could lead the case which they never went forward.
Product: Checking or savings account

On XX/XX/XXXX I sent an {$800.00} via XXXX, which is tied to my Chase debit card, to a person who falsely presented himself to be an employee of a company that installs accordion shutters. About a month later, I determined this was a scam and the service was not rendered. This person blocked my number and stopped responding. I filed a police report and contacted Chase to dispute the charge. They opened a case and in less than 24 hours I received a letter stating there would be no credits to my account as the transaction was authorized. I called their toll free number to find out how they came to this conclusion, as well as file an appeal since I have proof and a police report showing I was scammed. The representative asked me to upload a photo of the report, stating the case would be reopened but that there is no guarantee that it will be approved. Per the Chase mobile app, the case remains closed and it appears I have no recourse.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received several text alerts about a sign on I did not authorize. 
On XX/XX/XXXX I received a notification regarding a declined attempted purchase I did not authorize and do no know this account. 
I began to receive several main number calls to which I did not answer or respond to from XXXX main line XXXX. 
On XX/XX/XXXX I received a notification regarding a declined attempted purchase I did not authorize and do no know this account. 
Prior Complaints regarding banking practices and violation of disclosure to financial records : OCC Complaint : XX/XX/XXXX Ref. No. XXXX XX/XX/XXXX XXXX Response XX/XX/XXXX XXXX XXXX continues to report negative information on my credit report as AUTHORIZED but has filed a lawsuit against the account holder. 
XXXX has filed ( 2 ) debt claim lawsuits against me and failed to provide the requested documentation through its attorney of record. 
In response to my repeated complaints and requests for information, XXXX closed all me " accounts ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote in with a complaint that the CFPB clearly didn't care to back me on stating that my score/report couldn't be retrieved due to me not having a file or ssn. I was told in that complaint by XXXX exclusively that they saw no issue fast forward 45 days I needed my credit for a car, same issue but now it was with all 3 bueruos there was a " consumer decreased as of XX/XX/2022 '' alert/statement stoping all applications and reports from being seen by me and causing me to be locked out of my online accounts. For the past 20 days I've spent over XXXX $ in mail delivery and faxes/prints and copies and over ( documented ) 15 hours!! On the phone with each agency. Numerous times they said " we don't see it '' I talk to a manager they say we do but you must send this in to remove it and I do, its off, then another alert is added and back and forth it goes. SOME OF THE VIOLATIONS include The need of your written consent to report Anything and your right to privacy 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 And Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] I have nothing but time on my hands so I will file complaint after complaint talk to every lawyer that will listen and go after every company until I am compensated and I will raise my fee per complaint I have to redo
Product: Credit reporting or other personal consumer reports

The credit card from the creditor on my credit report named like SEZZLE on my credit report on the XXXX, XXXX and XXXX Refuse to close the account and report to the credit bureaus show the account close on the credit agencies Even though the account at my request to closed on XXXX and I contacted them and they said they couldn't do anything, that it wasn't their responsibility and that I should talk to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX  FTC and the Attorney General for Florida.
Product: Credit card or prepaid card

Capital One credit card authorized a merchant to charge me twice without my approval and although I had cancelled the original card and the merchant didn't have the updated credit card information, Capital One updated the merchant with the new credit card that I have yet to this day activated. I have been in dispute with Capital One since the charges in XXXX and they refuse to submit documentation they state they have that shows that I authorized the transactions. Not only are they refusing to resolve this issue for me, they are also stating that I never submitted proof, even though I did twice, once through a secure link and once via hard copies. They have now added late fees and interest charges that they are refusing to remove as well, even though I have not had a single transaction on the account and it has been in dispute since XXXX.
Product: Debt collection

I have received multiple text messages attempting to collect a debt. I am not aware of owing any debt to anyone that would be sent to a collection department. 
XX/XX/2021 : " We have a notice from State Collection Service, a debt collector. Please call XXXX or visit our website at XXXX XXXX XXXX Reply YES for info or STOP to end. '' XX/XX/2021 : " Notice from State Collection Service, a debt collector. Document password is 5 digit zip XXXX Contact XXXX Reply YES for info or STOP to end '' I did not receive any other information- not who I owe a debt to or how much. I have not clicked on any of their links or called out of fear of getting a phishing virus on my device. I believe this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX has never removed the late payment that was placed on my accoount but I'm submitting this letter because of covid i Fell behind on one payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current and perminant address is : XXXX XXXX XXXX XXXX XXXX Nevada XXXX Please correct
Product: Money transfer, virtual currency, or money service

I had a fraudulent charge from my checking account. It shows as a cash app debit app in the amount of {$2300.00} at XXXX on XX/XX/2020 ( credit union time XXXX ). My bank states that because they are 3rd party app Visa takes zero liability. I dont know who the person is, they are not in my contacts. They dont even show up in my cash app transaction history. There were 2 attempts at chargers that fraud protection caught and cancelled but this transaction was not seen or recognized by Visa fraud protection. Please help!! Ive had no success at reaching cash app. Can not find an email address and all the support numbers and directionS given to reach support lead to a dead end. I know other people have been victimized as Im hearing all of the stories. Is there any way you can help me get in contact with cash app to dispute this charge and request to be reimbursed.
Product: Bank account or service

I mobile deposited a check that I received to be a mystery shopper into my USAA XXXX account on XXXX XXXX. I called USAA and they assisted me registering for my account. On Saturday, the XXXX my husband contacted USAA and inquired if the check had been deposited and if the funds were available. We were told that they were. At no time we were told that due to being customers that they released the money. On Wednesday the XXXX of XXXX, I checked our checking account on USAA and found that the check was fraudulent and that the money had been withdrawn from our account. We were never called or emailed. After doing research, we discovered that the mystery shopper was a scam and that the Department of Treasury issued an alert to all Banks about this bank and the routing number. We have come to find out that USAA does not protect its consumers against the fraud alerts issued by the Department of Treasury. We asked USAA to take some responsibility for us being out of {$2800.00} and were told that the depository agreement means we are responsible for all money deposited. We called USAA and we thought that we asked all the right questions, but we were never told that the funds were released because we were good customers. I would have waited to see if the check cleared before withdrawing the money. In addition, because we did withdraw a large amount of cash we were never questions. These should have been all red flags to our banking institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent to Transunion on XX/XX/21 there has been absolutely nothing processed or no sign of investigation and no information has been given to me. 

Not only are the accounts in violation of Federal Law ( unknown and not belonging to me XXXX they're also not even investigated at all. I've sent these accounts certified mail and I do see Transunion is in receipt of this. 

Its now 2-3 months with NO communication. What's going on? I will be pursuing legal assistance ASAP!
Product: Student loan

I signed up for a loan forgiveness program with a company named XXXX but somehow XXXX got my information and pretended to be working along side XXXX to keep my student loans in good standing but I found out that this was not true. XXXX serviced my loans all this time for free. The company XXXX   XXXX has been taking XXXX out of my account since XX/XX/2017 and they charged a 1 time setup fee of {$490.00}. They lied the whole time and I never authorized the payments of XXXX a month. When I called to confront them they only agreed to reimburse 3 months of monthly payments even though they admitted that I did not sign a authorization. Since the committed fraud I would like all my money back. The total left is {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX To : Cfpb ( XXXX, XXXX, equifax ) Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX From : ( XXXX XXXX ) Address : ( XXXXXXXX XXXX XXXX XXXX. XXXX XXXX, Ga XXXX ) Dear Consumer finance protection Bureau & XXXX XXXX and Equifax and XXXX Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come due.

Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.

Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Fair Debt Collection Practices Act Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection