23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received several calls from Unifin during business hours while I was at my job, but never any voicemails. After receiving 5 calls on a XXXX afternoon from the same number, I called back and was greeted with " How may I direct your call? '' - I let them know that I had received several missed calls from this number and was calling back to see what it was in regards to. I was then directed to a gentleman by the name of XXXX XXXX who told me that I had just been put into collections for a hospital bill that  was over 5 years old. Long story short, ( over the course of a week ) I was told to call 4 different doctors offices and physicians groups to see where the unpaid debt had come from. I was under the impression that debt collectors had this information prior to contacting you, but because I was desperate to be taken out of collections, I called. After calling all 4 places, they all let me know that I was in good standing, and was never delinquent. I called XXXX back for 4 days where I was only able to leave messages. The following XXXX, I had called in again and had spoken to XXXX where he told me yet again to call another doctor to see where my debt had come from. I asked him why that number was n't provided to me originally? He put me on hold where another gentleman got on the line and let me know he was the manager. When I asked his name and the collections agency he and XXXX were with, there was silence on the other line. When I asked again, he very defensively let me know that he was just trying to help me settle my debt and that I was responsible to pay. I told him that I was happy to pay, but I needed to know this information. Again, silence on the other line. This went on for about 3 minutes before I began to get very nervous and started crying. Why are these people harassing me at work and then refusing to tell me who they are when I am trying to do right by my debts and pay them off? I hung up and called back into the main line, asked the man who picked up what the name of the company was. He told me Unifin and that was the only way I was able to find out who was calling me since the other Unifin employees refused to tell me any information. I ended up finding out that this information was false and I did not owe money for a medical debt. This is harassment and terrible business practice. Please beware and make sure to do your research if this company ever calls you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on multiple occasions to get Experian to follow FCRA and in turn respect my rights in this matter. I have asked Experian to on at least 4 occasion to validate this account, as well as on multiple occasions as Experian to present me a description of the procedures used each of these disputes. Experian refuses to and even lied in one CFPB complaint stating that they would send it in the mail. No such information has come and even then they failed to follow FCRA and just opened up a dispute. What part of " FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY '' is confusing you? nothing in this says open a dispute, in fact everything states do not open one and tells you exactly what is requested. 













The letter clearly states in bold red letters to not open a dispute and that this was a procedure request : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This letter is being sent via certified mail / return receipt requested and notarized, for pending lawsuit : Certified Mail # XXXX XXXX XXXX XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!!

NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY : FCRA 611 ( 15 U.S.C. 1681I )  PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! 
NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY
Product: Money transfer, virtual currency, or money service

I have transferred XXXX USD using Wise from my XXXX XXXX XXXX account to an external XXXX account. 

Wise has debited the money from my US account but no transfer was performed. The transfer has been pending for over 30 days and I do not have access to my money. 

Money has been taken from my XXXX XXXX account by wise. No transfer has been processed. I have not been able to access this money or see any information about the transfer. 

Contact with wise customer support has not generated any resolution. The communication have never provided any information and only seem to extend the time indefinitely. Here are some reasons that Wise customer service have provided me with regarding the frozen transfer and missing funds : - The transfer is frozen becuase it was done on a weekend - 5 day security checking is required - technical problems - another 5 day security checking is required - I will enquire with my colleagues and email you with information - I will get more information tomorrow- we will contact you soon with an update Ideal resolution : The transaction will be processed and sent or cancelled and returned to my bank account
Product: Credit card or prepaid card

I was scammed into investing with a real estate/entrepreneur money making scheme called the Will to Win method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XX/XX/XXXXthe Federal Trade Commission issued Preliminary Injunction Order : XXXX, requesting XXXX XXXX to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. XXXX vs. Zurixx LLC and the case is still pending resolution. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with Bank of America with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.
Product: Debt collection

they are calling asking for someone who does not live here..have asked them to stop calling but they continue to call
Product: Mortgage

I have been been treated unfair and poor unethically under hand tactics. I ant my mortgage payments applied to my mortgage and not in suspense and credit to bring account up to date. Now there is almost XXXX in suspense account not credit to account. Second I sent a money gram well over my regular payment to make up two payment with more money not credit to account in XX/XX/XXXX they say they do not have it. XXXX  XXXX said they do no response from them. Third I have sent this company XXXX in check free bill payment electronic and money not credit to account and no they want to take legal action. This is not right and can not talk to anyone but received letter from their attorney a week ago. They can return all my money in question and i will send an overnight cashier check if that is better but it's not fair i have to pay twice for money they already have need help. 
XXXX XX/XX/XXXX total XXXX with money gram sent
Product: Credit card or prepaid card

In XXXX XXXX USAA restricted my online account access after I noticed a bunch of " transfer adjustments '' on my credit cards. These adjustments with no data or information at all I was told were a reversal of a billing dispute which had been finalized 12 months prior. 1. ) This reversal of the billing dispute was illegal as it was performed more than 90 days after USAA was notified of the error. Which is the maximum timeline provided by law to finalize such disputes. These results according to the Fair Credit Billing laws are Final.
2. ) In XXXX I requested all documentation related to this decision be sent to me. We are now in XXXX and the only documentation I have received has been copies of my credit card statements. No where is the many documents and notices USAA has sent me does is any documentation regarding the investigation of the billing dispute from last year or documentation as to the how / why the decision was made by USAA. 3. ) In XXXX I requested Documentation explaining why USAA restricted my online access to all accounts, as well as to the reason they took adverse action in cancelling all my USAA accounts without notice or reason. They only notified me the accounts were closed weeks after they had already been closed. Yet I have still not received a single reason or document explaining these actions. 4 ) I also requested documentation as to the negative and false information being reported the CRA 's. Such as the following : * Auto Loans which were paid in full and closed in XXXX still being reported as opened. * Credit Cards, which were in dispute being reported as dispute closed. XXXX Credit Card balances being reported as at or near their credit limits when this was not the case XXXX Credit Card Balances being reported MUCH higher than they actually were.
5. ) As required by law I have not received any of these documents despite my repeated verbal and written requests for such documents. The timeline allowed by law for USAA to supply such documents has also expired.
6. ) Despite repeatedly asking all documents and statements for all my accounts be physically mailed to me since USAA restricted my online access. As of XXXX/XXXX/XXXX I was notified by XXXX in collections that all documents for all accounts were still set to be delivered electronically and not physically mailed, despite having many USAA agents tell me otherwise. 7. ) I was talking with someone from the CEO 's office until a month ago when he stopped returning phone calls or contacting me as promised. I ask USAA to respond in FULL DETAIL to EACH of the numbered complaints and violations of consumer protections laws. I also ask they correct these errors immediately as their actions have cost me greatly! Due to their freezing my online access and closing all my accounts, holding the funds in my checking and investment accounts for over a month I faced many hardships. Additionally their negative reporting to the CRA 's prevented me from opening other lines of credit or moving my auto loan to another bank who would actually send me statements.
Product: Debt collection

This complaint is in reference to a paid collection. In XX/XX/XXXX a collection for the amount of {$110.00} was placed on my credit report by ALDOUS, however I was not aware of this. As soon as I became aware of this the debt was paid in XX/XX/XXXX. I normally make every effort to pay my debts and fulfill my responsibilities, in this instance I was unfortunately unable to do so. 

The account is still listed in collection. As you know, an account in collection is A DELINQUENT OR PAST-DUE ACCOUNT transferred from routine account to the collection department ( or a collection agency ). 

Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE. 

Based on the information provided above, this debt is no longer in collection. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

I am kindly requesting the collection consider removing this collection from my credit report.
Product: Debt collection

Recieved a letter from Convergent Outsourcing to collect a debt amount of XXXX for XXXX XXXX. I have not used XXXX in years. I contacted XXXX and have not been placed in collections by the company. This company has also called several times trying to use scare tactics and threatening my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I called Equifax and asked to have a fraud alert removed on my credit report which I never requested be on my credit report. They did not remove the alert as I requested and also put a freeze on my credit report preventing me from applying for an auto loan and accessing information on my credit report. I called Equifax 7 times yesterday to try and resolve the matter and kept being told different information and then had 4 representatives accuse me of not being who i said I was. Because of this, I now have unfair inquiries on my credit report which has lowered my credit score for no reason because none of these creditors could even view my credit report and I was denied a loan unfairly. Equifax requested I mail highly confidential information such as my drivers license and my social security card to a PO Box or via fax in order to prove who I am and I am not comfortable sending this information by either source, as I already attempted to submit this information to them once and received no response or assistance. I need to have the freeze lifted from my credit report immediately and I never requested a fraud alert or a credit freeze. Equifax representatives refused to help me and provided the worst customer service I have ever experienced!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX  Balance {$16000.00} XXXX XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX Balance {$1700.00}
Product: Debt collection

Comenity Bank repeatedly calls relatives about my debts and harasses them about my whereabouts and references social media searches accounts/searches to them. This happened recently as of today XX/XX/19. Calls are coming from XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX Navy Federal Credit Union failed to deposit every members pay and it was late by about 2 days. They said they would work hard to fix the issue and that it would not happen again. Now here on XX/XX/XXXX they are still not posting THOUSANDS of peoples pay on time including many active duty members. I think its an attempt to get time for whatever financial obligations they have. Some of us live on tight budgets. My rent was late and will be late again thanks to Navy Federal Credit Union. I will be leaving but please get mine and others money. Many people do not have their pay checks still.
Product: Money transfer, virtual currency, or money service

I have been a Robinhood member since 2015. I loved the simplicity, and empowerment with the app and decided to signup for the banking product last year. 

I m closing on my home today on XXXX and reached out to Robinhood after seeing the transaction limits and asked if they could wire the amount during closing on Friday XXXX. 

Until then, I did not realize there is no direct phone number for the company and there is no direct accountability for my transaction. I tried reaching the company actively over the past 3 days to no avail. 

They do have a XXXX  account and I thought I was getting the support I needed. Its close to end of business and I am not sure if my transaction would go through. This impacts my home closing contract and multiple parties including the lender, the seller and myself. 

I also find it surprising that my transfer request was not honored one day before despite the internal approvals. 

I would need robinhood to have an accountable associate be setup to see my transaction through. 

I also have a decade experience in banking industry and I find this process unacceptable.
Product: Mortgage

My mortgage was originated by XXXX XXXX XXXX and sold to M & T Bank. Since taking over my loan M & T Bank has engaged in a campaign of harassment concerning my HO6 insurance coverage. They initially sent several notices claiming to have no proof of my insurance however this was included with my mortgage documents. After providing them with the proof, they again claimed they had no proof and now wanted the property address to include a unit number. I complied with this request. They have now created a fictitious address and attached it to my loan and are again demanding HO6 insurance information. Each demand includes a threat to attach HO6 premiums to my loan and includes FDCPA language concerning an attempt to collect a debt. I brought the matter to their attention and was told I would be contacted last week with resolution. Instead I received a further 4 notices again referencing the fictitious property address and threatening collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around Covid 19 when things started to get bad for Americans XXXX XXXX offered limited to no help before throwing you out to credit bureau along with Credit Acceptance interest continued to grow and the only offers was repossession and a hit to your credit now understanding most definitely that company and businesses need their money as well but my god these companies waste no time then send incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX SELF-REPORTED XXXX Balance : {$440.00} ; XXXX SELF-REPORTED XXXX Balance : {$140.00} ; XXXX SELF-REPORTED XXXX Balance : {$50.00} ; XXXX  SELF-REPORTED XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen in XXXX XXXX XXXX  I discovered the theft in XXXX of XXXX, and I initially believed it was stolen in XX/XX/XXXX. I reported it to my local police. and the FTC and proceeded to work on their " recovery plan. '' I requested my credit reports by email and received two out of three reports, never receiving my EquiFax report. I requested it again and waited. 
Several months later, after the computer repair and program reinstall and reload on our desktop, we discovered the breach had occurred much earlier than believed. It had happened in XXXX the previous year. 
I adjusted my breach and theft date with the police and FTC and requested more credit reports in order to do a more thorough review of the past two to three years. I received my XXXX and the other credit bureau but not EquiFax. 
I tried to access it directly with my account and questions, EquiFax 's automated system refused to let me in. I tried to open a new account, EquiFax 's automated system refused to let me in. I called customer service, they said they could not get around the automated system. I asked for a verification code by mail and was given a response of that the EquiFax system could not complete my request at this time. 
Therefore I can only believe that EquiFax is stonewalling or refusing to provide my credit report due to a specific reason or incompetence on their part. 

I have also solicited the XXXX XXXX XXXX, and the FTC to assist in this endeavor and they have not been successful either. I am now asking you, the CFPB to aid in obtaining this credit report to make sure that I do not have any errors on this report going back prior to their breach in XXXX. 

Thank you
Product: Debt collection

I submitted a complaint, and the debt collection company sent over their " proof of debt '' but it is clearly a forged document. Page XXXX dates and property address do not match the remaining pages of the lease. This has been clearly doctored from a previous lease from years prior. Page XXXX of the lease is accurate, it was a month to month lease, so there is no reletting fee. These documents are pieced together from the lease that they are trying to collect on, and previous leases. This is fraud. There are also no invoices from the companies referenced on the statement showing services rendered. This should be removed from my credit immediately, from all XXXX bureaus. I also do not have a contract with the company that is collecting, and do not owe them any money.
Product: Debt collection

We had XXXX XXXX XXXX XXXX in XX/XX/XXXX, which we had problems with it working correctly. We called to cancel the service and a representative informed us that they would send a return shipping box for all of the equipment to be sent back to their warehouse. The day this was done we called to let them know and the representative informed us that we would not owe anything on this account. XXXX XXXX XXXX turned it over to a collection agency, then took it back and turned it over to another collection agency. The collection agency shows it as an open account for XX/XX/XXXX, the representative that I had talked with was very demanding and rude. We were told if we do not pay this account in full then we will be charged with criminal intent not paying this debt. I do not think this is good business for any company. I would not recommend XXXX to anyone.
Product: Credit card

I am disputing the collection account with XXXXUSAA FSB account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that USAA FSB, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, including sensitive information that can be used to take out lines of credit on my behalf, was leaked by Equifax. This mishandling of my information has put me and millions of others at risk. Upon checking equifaxsecurity2017.com, I learned that I am a potential victim, and am requesting that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.