23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Today, XX/XX/2021, I used the app called Earnin to make a cash out of {$100.00}. I clicked cashout and like the app promises, it's not obligatory to pay any fees. Instead, the app didn't even have an option to accept or decline any charges, it just automatically charged a pre-set tip amount that the app forcibly charged ( by fraud ) without my consent and without any approval. Instead of clicking ok or anything, I closed the app. I didn't even authorize it. I contacted the company via email and got an autoreply saying they don't monitor or reply to contacts. 

I asked Earnin to refund this illegally charged fee and remove the transaction. They refused to do so. I told them this is fraud and that I was also contacting the XXXX XXXX store because charging unauthorized fees like this is fraud and violates the app store terms of use. 

The person representing EarnIn continued being rude and refused to give me back the money they stole.
Product: Credit card or prepaid card

I have been fighting for my rights with Wells Fargo for almost 3 years. A credit card was fraudulently opened in my name in XX/XX/XXXX. I got a statement in the mail in XX/XX/XXXX. I immediately called and reported that it was not my credit card and not opened or used by me. The law says if a person reports identity theft which I stated in that first conversation they are not responsible for the charges. Visa also says if the account is in good standing and reported as fraud then there is zero liability. Not only has this company broken the law they have reported it to the credit bureaus with a false statement saying this was resolved. I had checking and savings accounts with them that they chose to close because of the identity theft and they stated it was a security risk keeping them open but they refuse to provide me with clear, definitive proof that these charges belonged to me. The burden of proof is on Wells Fargo they have not provided me with this information I want this resolved immediately
Product: Debt collection

Jefferson Capital Systems , LLC XXXX XXXXXXXX XXXX XXXX XXXX MN XXXX Subject : Dispute of Account Account Number : XXXX Dear Jefferson Capital Systems, I am writing to formally dispute the validity of the account referenced above, which I recently discovered on my credit report. I have no knowledge of this account, and I am certain I did not open or authorize it. Therefore, I am requesting that you : 1. Provide documentation proving the accounts legitimacy, including a signed contract or agreement showing that I authorized this account. 2. Remove this account from my credit report if you are unable to provide sufficient proof of its validity. According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide evidence verifying the debt and its ownership before pursuing collection efforts or reporting it to the credit bureaus. Additionally, if this account is the result of identity theft or fraudulent activity, I request that you immediately cease any collection actions and notify the credit reporting agencies to remove this account from my file. Please note that I am monitoring my credit report closely and expect a response within 30 days, as required by law. Failure to respond with adequate proof will result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Thank you for your prompt attention to this matter. You can contact me at ( XXXX ) XXXX or XXXX if you require further information. Sincerely, XXXX XXXX
Product: Credit card

They closed my account after I disputed a lawn care company that doesnt have a DBA name, doesnt have contact information anywhere. I provided them information showing them that my information was on the dark web and was clearly a targeted victim of scammers. They sided in my favor on one of the charges with this same company but wouldnt remove the other fraudulent purchase. 

Ive been trying to get this settled since last year. Have disputed numerous times. Right now Im in a dispute. 

They closed my account and its reflecting horribly on my credit profile. I have no problem with continuing to pay the money that I owe them but I wont continue to pay money that I didnt spend. 

The place is called XXXX XXXX and the charge was for {$2700.00} Transactions date XX/XX/2023 Ive sent them first class mail and everything. 

I want the closed account removed from my credit profile immediately
Product: Debt collection

This Collection Agency Secured Resolutions LLC is attempting to collect a Debt for a XXXX XXXX XXXX in the amount of {$1600.00}. Several attempts have been made to reach out to this company to attempt to resolve this, this is fraudulent and is not verifiable debt, this is not my debt. I have received nothing from this collection agency and they can not be reached. I have disputed this several times on XXXX XXXX and with no luck it seems to stay on my credit report, but the agency will not contact me back about the matter. Again this is not my account and they can not verify it is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was scammed  by Ford Motor Credit.  aprox  XXXX  of  XXXX  I received a call from them. I had been late on payment ( due t o 7 hospital v isits ) The woman asked why I was late. I explained as above. She said " you need to avoid a repossession or a charge off ''. I agreed. My regular payments were a little high due to medical bills. She said how much can you afford. I said if you could cut payment to {$200.00} a month, I could clear up medical bills and never be late payin g Ford ag ain. After she put me on hold, she came back on the phone and said " OK ''.     Upon checking my credit rep orts ( one tra de ine attached ) I noticed the account was listed as a charge off. I was floored and calle d Ford. After lot s of " run arounds '' I was told the first story that I agreed to a charge off. That is a lie. I wuld never ever do that esp. with small amount owed and it is a secure lo an (   XXXX   XXXX  truck ) to which they have title. I was getting no where with these people every time I called. Now on my latest call of mayb e two weeks ago , I was told the account was charged off BEFORE THE FIRST CALL FR OM FORD CREDIT.  What????? First off they would have repossessed the vehicle as it is worth {$15000.00}. That did not happen. I still have the vehicle and have never missed a payment since that first conversation in  XXXX   XXXX . I have attaches some statements.         Ford credits improper listing this account as a charge off caused me to be turned down by a car dealer and I can show you the inquiry if you like. They are killing my credit score. Ford is clearly breaking the FCRA and the FDCPA and in doing so continue to do great financial harm to me. I really need your organization to step in and make Ford correct this outright scam. It is my thinking they did this whole thing to gain from tax codes and possibly insurance on the account.
Please help me as I have written the credit bureaus and got nowhere. I gave attached proof Ford is receiving {$200.00}. a moth without fail.        XXXX   XXXX   XXXX   XXXX  XXXX  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Equifax via direct mail several times to verify the information reported. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to many accounts with different payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Equifax has not been able to verify any of the information reported, they are now simply saying that they have completed investigation but I haven't received anything in regards to the concerns addressed.
Product: Vehicle loan or lease

I have an auto loan with Chrysler Capital. Due to job loss, my payments are usually made after the late fee date. I completely understand this. When I have made my payments, I have paid extra to cover this fee of {$15.00}. I noticed that my payment due balance keeps going up with my paying usually an extra {$50.00} per month. I check my transaction history and no money have been applied to the late fees. I do not have an option to allocate the payment when I make it online. I called XX/XX/19 and spoke w a manager and asked for the money to be allocated towards the late fees. I was told there was no way to re-allocate the money. I have to make the payment then I can go back and make the late fees. I feel that the late fee would become part of that payment and extra money being paid should be allocated to that late fee.
Product: Debt collection

XXXX XXXX XXXX and Professional Credit Service is saying I owe {$1200.00} on XX/XX/2023 XXXX
Product: Debt collection

I Request my 3 credit reports, I saw I had an medical collection under First Federal Credit C ( Proper Name Does Not Show On Credit Report ) Charging Me The Amount of {$670.00} account XXXX as shown on report I request information about this account and never received it, I have dispute and requested proper validation and verifation of such account and that has been unsuccessful. 
I am formally asking for this item to be solved and removed from my 3 credit reports as stated by the fair credit act.
Product: Debt collection

Company continues to call and try to collect debt owed from 6 to 7 years ago but updating false reports on my credit report showing account was open 2 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit report. I have contacted transunion on multiple occasions and they refuse to help even though their servers where compromised. I was informed by FTC to file here to escalate and have the following inquires removed as I have not gained anything from them except loss in score and credit worthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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  These inquiries where replaced on my credit in batches by transunion illegally without my concent . I did not include factual inquiries. Please without discrimination delete these erroneous inquiries according to FTC GUIDELINES as soon as possible.
Product: Mortgage

I have XXXX identical ARMs on XXXX adjacent condos. 
Ocwen purchased my ARMs and started adding a {$2000.00} insurance charge onto the Mortgage. Ocwen claims that my mortgage documents allow them do to this. They claim that unless I specifically disclose insurance on the interior of my units, they can insure the interior, and add their expense to my principal. They have refused to provide any signed documents that prove my responsibility to make a disclosure. They have already lost a {>= $1,000,000} class action settlement on this issue - they were charging people inflated amounts for insurance and pocketing kickbacks. 

XXXX
Product: Credit card or prepaid card

I previously filed complaint multi times against US Bank not take out fraud charges from my account I even filed complaint here with CFPB but never received any response from both US Bank and CFPB. I am filing again today for same reason I hope this matter get over soon. 


Thank you.
Product: Debt collection

I am suffering financial hardship and having difficulty paying my bill to Comenity Bank that holds the account on my Big Lots credit account. 
Comenity Bank does not observe rule under the FDCPA of calling 7 times within a 7 day period, or once within 7 days if they have spoken with me. 
I have record in my phone of at least 4-5 phone attempts PER DAY. Today, XX/XX/23 they have made 2 attempts within a 19 minute period. 
I also recall within the last week that I spoke with someone and asked for the repeated calls to stop.
Product: Money transfer, virtual currency, or money service

I took a " payday advance '' from DailyPay. They provided the money straight to my card, however on Friday when the rest of my paycheck was due, it never showed up. When I double checked the pay information, I noticed that they had the wrong account number. I called daily pay to tell them this, and customer service has been less than helpful.

They were rude, unprofessional, and blamed me for the problem. They insist that I was the one who put that information in. They passed the problem off and told me to call my bank ( branch ). Branch was very helpful, but told me that they needed a 15 digit trace number to be able to assist. They informed me that I was legally entitled to this information. I asked DailyPay for this information, and was told " we'll escalate to a specialist and ask that they follow up with you ''. 

I asked several times whay the turnaround time was and the answer was never consistent. I asked what the process would be if I never heard back and no was told that my information would be " pushed '' to the same team. 

This company has no accountability, no compassion, and no caring for the fact that my entire XXXX dollar check is nowhere to be seen, 4 days before XXXX. 

XXXX negligence is nothing short of criminal.
Product: Credit reporting

I 've disputed this information 4 times already with the credit bureaus and have proven that they are reporting it incorrectly and nothing is being done. I 've also made complaints with the XXXX for my state. I am tired of receiving the same letter over and over again in response to my disputes just disregarding what I am saying to them. I require the physical, firsthand knowledge, proof, that they are reporting this correctly, or it must be removed immediately and permanently. This is made available to me under section XXXX as well as XXXX. I also did not give my permission for this information to report on my credit file pursuant to section XXXX. 

Here is what I am disputing : XXXX XXXX XXXX XXXX # 1 The filing date that you have listed is NOT the filing date that I am looking at on the petition # 2 the docket # that you have listed is wrong : it is NOT the docket # that I am looking at on the petition # 3 the court that you have listed is wrong : " XXXX XXXX '' is NOT the name of the court and you must have the city and state listed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. 
Transunion is reporting an unauthorized inquiry on my credit report : XXXX XXXX  XXXX XX/XX/2022 These accounts are the results of identity theft : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get late payments removed 5 of them from navient. They are not willing to work with me and I been in a rough situation since cov started also been on forbearance. Dates are XX/XX/2020 to XX/XX/2020 5 months
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many INQUIRIES which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any INQUIRIES which are found to be FRAUDULENT. The dispute INQUIRIES does not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported on my credit file regarding XXXX XXXX XXXX. I have noticed discrepancies in the way this account is reported between the XXXX major credit bureausExperian, XXXX, and XXXX. 
Here are the specific inconsistencies I have identified : XXXX. XXXX is reporting a balance of {$53.00}, while XXXX and XXXX report {$220.00}. 
XXXX. XXXX is reporting the date of the last activity as XX/XX/year>, XXXX is reporting the last date of activity as XX/XX/year>. 
This conflicting information is causing confusion and could potentially impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), all information provided to credit bureaus must be accurate and consistent. I request an immediate investigation into this matter to ensure the information on my credit report is corrected and aligned across all bureaus. 

For your convenience, I have attached the following : A copy of my credit report from all three bureaus highlighting the discrepancies A copy of my government-issued ID Proof of residence ( e.g., a utility bill ) Please verify the accuracy of this account with the furnisher and provide me with a written statement detailing the findings of your investigation. If the information can not be verified or corrected, I kindly request that this account be updated or removed as required by law. 

I appreciate your prompt attention to this matter and look forward to your response within 30 days, as stipulated under the FCRA. Please send any updates or correspondence to the address listed above. 
Thank you for your cooperation.
Product: Debt collection

I have submitted a formal dispute in writing, whereby Portfolio Recovery Associates ( PRA ) has ignored my request to validate the alleged debt, and instead forwarded the dispute to XXXX XXXX from whom they purchased the alleged debt. This is unacceptable! 

I am writing to address the potential false information that Portfolio Recovery Associates , LLC has reported in my credit report, despite my previous attempts to rectify this matter. The potential inaccurate item has not been removed, which if found to be inaccurate, is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

It has come to my attention that Portfolio Recovery Associates , LLC purchased an alleged debt on my behalf from XXXX XXXX XXXX, absolving me of any obligation or responsibility in regards to the alleged debt. To further prove my case, there exists no contractual agreement between myself and Portfolio Recovery Associates. I want to emphasize that I have never entered into any financial agreement or contract with Portfolio Recovery Associates , LLC and therefore, the claim of {$430.00} lacks any valid basis or legal documentation. 

I demand that Portfolio Recovery Associates provide concrete evidence, which is the actual accounting and signed agreement between myself and Portfolio Recovery Associates that validates my obligation of the alleged debt of {$430.00}. A credit card statement is not evidence of any obligation I have to Portfolio Recovery Associates. 

If such information can not be validated, I hereby demand the information be removed from my credit report. I also demand written confirmation of the removal of said items from my credit report. 

Under the provisions of the FCRA, I am entitled to take further legal action if Portfolio Recovery Associates , LLC fails to comply with its obligations. This includes, but is not limited to pursuing litigation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., for the unlawful reporting of false information and refusal to correct the inaccurate item. 

I will hold Portfolio Recovery Associates responsible for any resulting damages, including costs associated with legal representation, loss of opportunities, and additional financial distress caused by the companies ' actions.
Product: Debt collection

Date of collection : XX/XX/2021 for {$490.00} My mother was / is on XXXX At the time of the service she temporarily was not receiving her XXXX because of her age and not understanding somethings she lapsed. I was able to reactive her XXXX and was able to give the number to medical providers she saw during the time of lapse. After a hospital stay the medical bills were covered however the XXXX XXXX would not take the XXXX number. I have on several occasions ask for them to please take her XXXX. They refused to take it. 
She is not in a position to pay this. I subside her food and other needs and this is strain on my household. 

I have explained the situation to the collection agency and they asked for her medicaid number. I was not comfortable giving it to them although will if it safe to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Ct XXXX, CA XXXX XXXX Transunion XXXX XXXX XXXX  XXXX, PA XXXX Sent via Certified Mail - Return Receipt Requested Re : Account Number XXXX - DEMAND FOR 1099-C AND IMMEDIATE CREDIT REPORTING CORRECTION To Whom It May Concern : I am writing regarding account number XXXX which your company has charged off as a profit loss. Your company is currently reporting an outstanding balance on my credit reports despite this charge-off, and has failed to provide the required IRS Form 1099-C ( Cancellation of Debt ). 

This constitutes a serious violation of both tax law and the Fair Credit Reporting Act ( FCRA ). Under 26 CFR 1.6050P-1, you are required to file Form 1099-C with the IRS and provide me a copy when a debt is discharged. Additionally, reporting a balance due on a charged-off account violates FCRA 1681s-2 ( a ) regarding accurate credit reporting. 

IMMEDIATE DEMANDS : XXXX. Provide a copy of the IRS Form 1099-C for this charged-off debt within XXXX  days XXXX. Remove all references to any outstanding balance from my credit reports within XXXX hours XXXX. Provide complete documentation showing : - The original debt agreement- The date of charge-off - The amount reported to the IRS as discharged - Proof of proper IRS filing Your current actions constitute : - Violation of IRS regulations regarding debt discharge reporting - Violation of FCRA regarding accurate credit reporting - Potential tax fraud by failing to properly report discharged debt - Consumer fraud by attempting to collect on a discharged debt If you fail to comply with these demands within XXXX  days, I will : XXXX. File a formal complaint with the Internal Revenue Service XXXX. File complaints with all three major credit bureaus XXXX. Submit a complaint to the Consumer Financial Protection Bureau XXXX. Initiate legal action seeking statutory damages under FCRA XXXX. Pursue additional damages for : - Willful non-compliance with federal regulations - Tax reporting violations- XXXX  distress - Damage to my credit standing - Legal costs and attorney fees Under FCRA 1681n, willful non-compliance can result in : - Actual damages - Statutory damages of up to {$1000.00} per violation - Punitive damages - Attorney 's fees and costs This letter serves as your final opportunity to correct these violations before legal action commences. All future communications must be in writing only. 

Sincerely, XXXX XXXX XXXX : TransUnion, Internal Revenue Service XXXX  XXXX  XXXX XXXX XXXX  Department of Justice, Consumer Financial Protection Bureau