23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received an initial notice from Credit Collection Services Collections dated XX/XX/2019 advising me of a collection attempt due immediately. Nowhere on the notice did CCS indicate or imply I had the right to dispute the debt 30 days from receiving this initial notice. Despite the company 's noncompliance I responded with a request for validation of debt dated XX/XX/2019 ( which was in the allotted time I was advised of ) requesting agreement that bears my signature amongst other documents validating the alleged debt and this company was unable to provide me with any. In response to my letter they did provided me with a bill but no specifics. The blatant disregard to my request leads me to believe they are not taking this matter seriously and I am thinking of contacting a consumer attorney if my concerns aren't addressed expeditiously!
Product: Credit reporting, credit repair services, or other personal consumer reports

I missed my house pymt by accident. Its the first time in my XXXX years Ive ever missed a pymt. When I contacted Penny Mac to let them know I made a mistake in missing the pymt and wanted to take care of it. I paid both XXXX and XXXX pymts and had told them I have never missed paying my house payments. PennyMac reported it to the Credit card bureau that I missed a pymt. No one at PennyMac would talk to me about why they sent it. I have worked very hard to get my rating up to were it was before PennyMac ruined my credit score. I want my score reinstated back to wear it was.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I went to the school which is now out of business and have no cerrtifications nor am i qualify to get a job in the field for which i went to school for. i am having problem XXXX the rent, and i had to return to school to get a better job to pay off my debt
Product: Payday loan, title loan, or personal loan

I called the first time and was told that there was a mtg and I would be called back to pay off my loan, that call never came. 
I than called 2 other times and was hung up on both times. 
This all occurred on XX/XX/2020 I have also attempted to go online and pay it off but your website will not let me make a password, even though I have 1 uppercase, 1 symbol, 2 numbers, 10 characters, which surpasses your min stated password requirements, which I have a screenshot of.
Product: Student loan

SLOAN SERVICING had me to send in an IBR application as I have with the previous company and today regardless of the fact that I have XXXX income they are changing me over {$60.00} per month I have never dealt with this from the previous company this feels like discrimination
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I received a letter from Debt Recovery Solutions attempting to collect a debt. I am unaware of the company that they are working on behalf of. I sent a letter via email and us mail requesting debt validation. I have not received any confirmation or validation of the debt from this company. This company is now reporting this debt on my credit report with out proof that the debt is valid.
Product: Credit card or prepaid card

on XXXX XXXX,2017 wells fargo credit card fraud dept called me regarding supiicious charges on my creit card. i stated the 3 charges for XXXX, XXXXand XXXX were fraudulent and i did not make them or authorize any one to use my card. i have no idea who did it or how they got my card. they ask me if i had the card in mypossession i said did however i misspoke myself when i later looked for the card in my desk drawer it was not there along with another card which was gone. about week later a person from wellsfargo called to follow up on the fradulent use of my card at that time icorrected ststement that i had the card and told tmem i did not havethe in my possession at the time of the chargesand no idea who took the the card or who used the card.on XX/XX/XXXX i wrote them a letter stating thes details.again that i did not have the card in mypossession have no idea who took it or who used it.i susspect it was one of my cleaning people but i have no idea who it could be. hoping u can help and get charges cancelled thank u for your help..XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, mi XXXX credit card # XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I, XXXX XXXX XXXX signed a buyers order for a vehicle of a XXXX XXXX XXXX from the dealership, XXXX XXXX XXXX while a loan is being processed, in financing with VEROS CREDIT. 

As of Tuesday, XX/XX/XXXX, I was given a text from VEROS CREDIT, number XXXX, that my loan was pending, and that I needed to send proof of residence, pay stub. And was given a similar text, Wednesday, & Thursday. 

As of Friday, XX/XX/XXXX, I received an email from XXXX XXXX XXXX stating, " Well, XXXX unfortunately since the vehicle still belongs to us and you have hone dark with communication we have no choice but to report the vehicle stolen your temporary registration has been cancelled. ~XXXX XXXX '' I am confused on the matter ; can a car dealership do such practice in such a short period, without even giving me a warning or something. I'm reporting this, because I feel I am being treated unfairly, even I talked to VEROS CREDIT on Monday, and scheduled Friday, XX/XX/XXXX to talk on starting loan payments.
Product: Debt collection

I have never had any business dealing with XXXX XXXX. They were bought by another company, and I settled with them and paid my balance in full. This account was closed in 2016, and they are reporting incorrect dates on my credit report and a balance that is not my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX bought a condo XXXX XXXX XXXX XXXX # XXXX XXXX XXXX nevada XXXX in XX/XX/2018 ... on my experian report is a house XXXX XXXX XXXX XXXX XXXX nv XXXX ... i did not purchas this in XXXX..its on my credit report causing problems..i have sent written letter in 2018 to experian to take it off this i did not buy..im wondering why did this guy use my ss # and have it put on my credit report..here is the info on house on XXXX XXXX ... single family geo code:XXXX XXXX address id # XXXX ... its been 3 years now how long does experian take to get this off my report..i have done everything short of going to this mans house and XXXX him ti a lawyer so he can tell someone why he put on my credit report..i am refinancing my condo on XXXX so buffalo dr. XXXX XXXX nv XXXX and its still there..
Product: Checking or savings account

Someone had broken into my account and made withdrawals, and took out XXXX $ from an ATM. They used the money to do grocery shopping at XXXX and XXXX using XXXX XXXX to pay for the items. That person knew how to get into my account and knew my PIN and the bank is doing nothing to help and will not give back the money. They did not do an investigation, nor has they did not check cameras during the time of the crime. In the meantime of the crime, I was at work. No one has my card or my phone, however.
Product: Debt collection

Specifically : XXXX. **Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) ** : They have not provided the required validation information under 12 CFR 1006.34 ( b ) ( 5 ) to verify the debt. This lack of validation renders the collection entry on my consumer report inaccurate and unverifiable. 

XXXX. **Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) ** : I have not been given a chance to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). As a consumer, I am entitled to dispute the validity of the debt before any collection activity is reported to consumer reporting agencies. 

XXXX. **False, Misleading, and Deceptive Practices** : These actions in placing this collection on my consumer report without proper validation and without providing me an opportunity to dispute the debt are in violation of my consumer rights. These actions are false, misleading, and deceptive, constituting a clear violation of the FDCPA. 

XXXX. **Unauthorized Furnishing of Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ) ** : They have no authority to furnish any account to consumer reporting agencies without providing any and
Product: Checking or savings account

All cash withdrawals had to have my driver 's license and signatures. Two withdrawals had neither my license or signature. I'd gotten no where in disputing this. Ea transaction was for {$5000.00} ea and looks as if a teller took the money out without my authorization.
Product: Debt collection

They Never Follow up. About This Being On My Credit Report. That Been On Here For Over 10 yrs. Plus My Old Information. That's Also Over 10 Yrs Old.
Product: Mortgage

Hello my name is XXXX XXXX and I. Am upset.. I have been trying to close on a short sale and was told that I could get up to {$3000.00} in moving cost at closing.. But was just told after I signed the paper work stating i would receive last week that this week I was n't entitled.. I have been in and out the hospital due to XXXX and staying at my sisters but maintaining the property, property insurance and still have valuables in the house ... I have been told for the last 6 months I was entitled to the exiting funds ... Wells Fargo has done enough to my family and I..i was a victim of predatory lending where brokers and Realtors went to jail, I have had to let the house sale for XXXX instead of them letting me purchase the home, and lol I 'm asking for is my exit funds of up to {$3000.00} .... On the paper i signed it states {$750.00} if we closed after closing date and then I would be entitled to the {$1000.00} if we closed before the closing date .... Also the law has changed it is now up to {$3000.00} for exit funds. I just want what 's do to me ... I still maintain the insurance on the property and my belongings are there ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

the name of the company is medical data systems inc ive already removed this from my credit its fraud not me ive been in michigan this is getting old i keep getting it removed and it keeps comeing back do something gabout these theifs
Product: Credit card

I have made 2 on time payments for more than the minimum. And a 3rd extra payment. I have only got Rewards credit for 1 payment. If you cant fix the rewards program I will be closing this account as you are not keeping your part of the agreement. Your customer service is a joke. She admitted it was missing. But didnt have a clue how to fix it. There is no escalations dept. No one in charge that I can find. The worst card I have ever had.
Product: Credit reporting or other personal consumer reports

My whole credit report was exposed to a XXXX XXXX data breach which in facts affects my credit right now to this day because its inquiries on my credit thats not tied to me. Thats not no account of mine that I didnt sign for anything and is a lot of accuracy on my credit report due to the data breach that was just leaked and Im a upload attached document stating that my data was breached personally.
Product: Credit reporting or other personal consumer reports

Please remove negative remarks and inquiries off my credit profile from XXXX, EQUIFAX and XXXX XXXX immediately! 

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

Even with multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus previously on XX/XX/2022, but no answer was received. These accounts must be validated under Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to disclose my free credit report to me without my sending them my driver 's license and social security card copies through US mail to their XXXX office. The other credit reporting agencies ( XXXX   and XXXX  ) released my reports online through their website. After several attempts of calls of providing who I am, Equifax will not even tell me why they won't give me the report unless they have my license and SS mailed to them. What I am failing to understand is how does this help them to mail me my credit report back through US mail? 
I applied for a car loan in XXXX and Equifax yielded an extremely low score when my FICO is over 740. This caused me to get a high interest rate. I am asking for my credit report to see what the problem is, and I would like it to be adjusted. I had a credit card stolen in XX/XX/2018 and I was issued a new one, paying on time for 3 months now. Auto lender said this could have been a problem with Equifax. 
My bank said my new credit card has been recording all of my payments on time and there has been no negative issue with my credit.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX obtain personal loan ( {$2200.00}? ) from XXXX XXXX in  XXXX, KY. They claim I have 7.5 payments left when I went into office in XX/XX/XXXX. This loan was for 24 months. Interest is high. I pay {$160.00} a month and originally went in office to find how much of each {$160.00} is going towards the principal. They claim they would have to calculate it as their computer only shows payments made. I calculate {$160.00} for 16 months is {$2600.00} paid in, but told pay off I would need another {$1200.00} as of XX/XX/XXXX. If I had paid it off that day would of totaled {$3800.00}. 24 months at {$160.00} would be {$3900.00}, so something funny there. I would save {$71.00} interest for paying off early!. 
With this loan life insurance and an auto club was added into as well. ( have viewed comments where this is a common thing they do ) I cancelled both, and was told {$39.00} put back to acct from life insurance and XXXX XXXX. sent me a check under {$200.00} refund. But that was " cash I used '' I was told so I have a suspicion this was additional money added to loan, Then, instead of remainder of policy being cancelled out, they just added refund as additional on top. Suspicions because I am unable to get anything from them. I sent an email to their main office, ( XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX, LA XXXX ) but got an email back stating : Please expect correspondence from XXXX XXXX via certified mail to the address of record. Please let me know if I can assist you further. This was on XX/XX/XXXX. 

A note, never been late, always on time, as they take out of bank acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education and I had a communication lapse. I had moved and received absolutely no notices about the student loan. There is only one ( 1 ) student loan. I was called at work one day in early XXXX. Suddenly they were garnishing my check for the student loans. I was never given the opportunity to apply for Income Based Repayment, Hardship, or forbearance. They have be garnishing my wages ever since. They are paid approximately 15 % of my check every two weeks for over the last 5 years.

They are reporting 9 different accounts on my credit report of which 4 they are  reporting as collection accounts and show the last activity in XX/XX/XXXX. 
Here is an incomplete list of the discrepancies they have shown on my report despite me trying to correct them : 1- There is only 1 and they have reported 9 accounts.

2- The account has had payments made every single month for the last 5 years. They do not reflect this. 
3- They list numerous account numbers.

4- I have never been given the opportunity to apply for forbearance or any program to help me deal with them.

I did speak to one person who told me that if they took it out of garnishment the payment would be higher which I could not afford. I was never contacted prior to the garnishment.

I have spoke to Transunion, XXXX and XXXX and let them know there were more than one duplicate and that it was being reported correctly but there was no resolution.
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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I tried to withdraw from my CollegeAdvantage Direct 529 Savings Plan offered by Fifth Third Bank via The Ohio Tuition Trust Authority. My withdrawal was cancelled for no reason. I called to find out why and was told it will be processed and deposited to my linked checking account within 3 business days. It did not happen. Instead, my account 's withdrawal function was disabled and more than {$10000.00} principle is still being held.
Product: Credit reporting or other personal consumer reports

XXXX dispute for the account with XXXX XXXX for {$450.00} was a medical collection that based on the act that went into effect XX/XX/XXXX any medical collections below {$500.00} should not be reporting on credit report. I have asked multiple times to have this removed without success. 

Source : Experian Date Submitted : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Disputes XXXX, XXXX, XXXX Contact info Address XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Reported as late. 

XX/XX/XXXX reported as late Address XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX The above account was a XXXX account that has XXXX accounts attached to the credit card number. I made a payment to the correct account and they applied to the wrong account. XXXX is a store account XXXX is an amex account. I have requested multiple times for this to be corrected with no success.
Product: Vehicle loan or lease

On XX/XX/XXXX I made a monthly payment to BMW financial services for my XXXX BMW XXXX in the amount of {$500.00} though the BMW customer account website. The money was drawn directly from my bank account on XX/XX/XXXX. On XX/XX/XXXX BMW financial services illegally drafted additional funds from my bank account in the amount of {$560.00} and applied it to my BMW account, that money cleared my bank account on XX/XX/XXXX. I did not authorize this transaction. I I have spoken to numerous supervisers with BMW financial services Advising them of the overpayment for this month and requesting a refund. I have faxed and emailed information from my bank showing both transaction cleared my bank account. I spoke with XXXX XXXX ( manager ) XXXX XXXX ( customer service advocate ) and received an email from XXXX XXXX XXXX ( chief operating officer ).  As of today XX/XX/XXXX I have not received a refund. I have never made a late payment or had funds returned and I am upset that the managers all refuse to return my overpayment amount that they illegally obtained.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I noticed that there were two late payments on my account with that are reporting wrong dates and years. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached. In addition to that late payments are considered transactions due to the late fees that are associated with credit account. 
XXXX  Reporting date Open Date XX/XX/XXXX Last Activity XX/XX/XXXXXXXX XXXX Reporting date Open Date XX/XX/XXXX Last Activity XX/XX/XXXXXXXX  Transuion Reporting date Open date XX/XX/XXXX Last Activity XX/XX/XXXX