23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022, an unknown individual went into a XXXX  store and performed a XXXX swap, thereby taking over my cell phone number. They then hacked into my XXXX and Citibank accounts and completed a {$42000.00} wire transfer. When Citibank attempted to contact me ( via telephone call, email, and/or text message ), the unauthorized user was able to confirm the wire transfer, as they were receiving all communications sent to my cell phone number. I have reported the fraudulent activity to Citibank and XXXX. Citibank has yet to refund the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been 60 days and I have not received a response. I feel like I'm being taken advantage of and ignored. Section 611 ( a ) clearly states that a failure to investigate these items being disputed, gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that I have been caused by you. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00}
Product: Credit reporting or other personal consumer reports

Someone submitted a FAFSA Application with my name, social security number and address and was granted a Pell Grant and 2 student loans by federal student aid servicer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The person also applied to the XXXX XXXX XXXXXXXX and I believe provided a falsified high school diploma. 

I have filed a police report, an identity theft report with the FTC and have disputed the loans with the Department of Education.
Product: Debt collection

Northwood Asset Management Company   calls my phone several times per day leaving messages that either myself or my representative need to return their calls. When I have called back I am not told what they are trying to collect for so I do n't even know if it is something legitimate. They have not sent me anything in the mail concerning the debt. Just ask where they can find me so they can serve me with papers to sue me. I am in Utah and I know this company is either in NY or Florida but when they call it 's from a number that looks like it is a local Utah number.
Product: Debt collection

Receivables Performance Management ( RPM ) ( https : //receivablesperformance.com/ ) is attempting to collect a debt which is in dispute with the originator ( XXXX XXXX XXXX invoiced me due to an error in their system that they have been unable to correct. I was shopping around for mobile providers and contacted XXXX sales through their website. The agent opened an account for me and billed me for activation fees. SIM cards were sent but I didn't receive them because the XXXX agent entered my address incorrectly. 

I never received any goods from XXXX and I never activated service with that company. I communicated with XXXX through chat, call and in person multiple times. I was charged for two months of service before they could successfully cancel my account. All these charges were being made to the credit card that I gave them at the time of activation. 

I requested a refund from XXXX  multiple times. Every time they told me that the issue was resolved and that I would get a refund within 21 days. Refunds never came so I contacted to inquire. XXXX 's usual response was there was no refund request on my account nor record of previous interactions. I am attaching documents with proof of my interactions with XXXX from XX/XX/2022 to XX/XX/2022. Calls are highlighted in yellow. 

I gave up on XXXX and decided to request a refund through my credit card company ( XXXX ) on the basis that I was being charged for services not received. Additionally, I asked XXXX to block any upcoming charges from XXXX. My call to XXXX is highlighted in orange on the XX/XX/2022 bill. 

I have exhausted a lot of time, patience and resources trying to resolve this. This debt is incorrect and it is not owed. 

XXXX sent my account to collection and this company is already reporting missed payments to the credit bureaus.
Product: Checking or savings account

This was a high yield savings account in a trust fund. Over the years Synchrony has been difficult, dishonest and sleazy and the fund has been reduced to almost nothing. They have not protected personal data or even allowed me to log in with valid verifications. They have not responded to emails. They refuse to close the account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payment on time in XXXX, XXXX and XX/XX/XXXX, as verified by the attached bank statement. 
There was no delinquency on this account, and the reported late payment may have been caused by a clerical or reporting error.

The attached payment confirmation from the creditor further supports my position that the payment was made on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Chime Ticket # XXXX Dispute # XXXX Dispute # XXXX Dispute # XXXX Dispute # XXXX Dispute # XXXX Hello and thank you so much for helping out, I spoke with the dispute team at Chime early XXXX to report these transactions. 

I was promised that these would be resolved by XX/XX/XXXX, it is now XX/XX/XXXX with no resolution. 

Ive provided them the police report and have reached out to the dispute team and no one has been able to help out. 

Ive provided all the details to the team and I have been neglected The agent said that they contacted those merchants on XX/XX/XXXX, however, they have not heard a response yet so I dont know why they are taking so long to resolve this issue when Ive XXXX all the details. 

I need support as the investigative team is not doing their job and resolving this issue for these disputes
Product: Vehicle loan or lease

Westlake continuously contacted me about my contract. They informed me that my payments would increase due to the vehicle being refinanced. Westlake constantly harassed me on a daily about my payments when I was current with my payments. Every time they called I would ask for the New Contract which states my payments increased. I never received The New Contract but Westlake sent me a cease and desist instead. Westlake repoed my vehicle in XXXX or XX/XX/year> when my payment was current. I was forced to pay thousands of dollars to get my vehicle back only for them to repossess my vehicle again. Now it is in my credit as a volunteer repo for XXXX and a repossession for Westlake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting a collection/chargeoff in the amount of {$2300.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I gave proper notification to the apartment complex manager that I would be vacating the premises and I paid the last month rent directly to the apartment complex manager with a money order for {$1800.00}. There was no damage and the apartment was left in excellent condition. I was never notified by the apartment complex that there were any outstanding charges due and I was not aware that this account had gone to collections until I obtained a most recent copy of my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus as well as the apartment complex to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXRecently checked my Experian credit profile and realized they had 3 different names and incorrect address. That I viewed Experians website. I called into Experian to have inaccurate information removed. I couple hours later I received a email stating that the information was updated and not removed. This is a clear violation of the fair credit report act. By Experian reporting incorrect information unaccarute information. Which is causing lenders to deny me of lines of credit and personal loans. Attached to this complaint is a screen shot of the innacurate information that I pulled from experian website. And needs to be immediately removed. Also attached is my documents of my identification
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BELOW ARE INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 Section 602A : States I have the right to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : This section further states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I checked on wheres my refund with the irs and my 2020 refund was disbursed but I believe the bank account was closed. I never received any funds with my XXXX CA STATE REFUND
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX, NJ XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX 3. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Theres an account from capital one in the amount of {$600.00} I have no recognition of. It appeared on my account a couple of weeks ago and I have never applied for a capital one card. I do recall this same thing happening with XXXX  XXXX almost a decade ago and I had it removed and now its back on my report. It is only reporting to one agency so Im sure there must have been a system error because I have never adding this account or applied.
Product: Mortgage

This is a case of mortgage fraud. This was a mortgage refinance that took place on XX/XX/XXXX. The " closing '' did not have a notary present at the location in XXXX, NJ. The person who notarized the paperwork did so at a later time and did NOT ever meet or witness my or my wife 's signatures. One of the forms was notarized and we NEVER saw or signed the form for the NY XXXX. I tried in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently in XX/XX/XXXX to modify the terms of the mortgage. Only this last attempt did I ever receive a letter in writing. Thank you for your consideration.
Product: Money transfer, virtual currency, or money service

I have been with XXXX XXXX for about XXXX  years through out that time from I get daily fraudulent messages about zelle. Saying XXXX XXXX : did you attempt to zelle transactions {$1000.00}? Reply yes or no.There are many scammers on zelle that are able to request money and still get away with it. Zelle and the banks that partner with it dont do enough to protect users from scammer and fraudulent texts or even calls. These calls behave as if they were automated systems to get information from you.
Product: Debt collection

To Capital One I received a notices in the mail about two accounts reporting on my credit reports from XXXX, XXXX, and XXXX for accounts ending in XXXX ending in XXXX Do you Capital One have ownership of these two accounts stated above? 
Did you sell the accounts to a debt collector? 

For the record, it says on my credit reports that both accounts are charged off Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

: XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Account name XXXX XXXX  : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone took over my lease at the XXXX XXXX XXXX complex. And the new tenant has an overdue bill so now the apartment complex sent a collection agency after me. The collection agency failed to contact me and damaged my credit without telling me about the debt or trying to resolve it with me first. I had to find out from XXXX XXXX. Even though I signed a lease-closing document when I moved out that stated I wouldn't be responsible for any debt the new tenant will accumulate. Now the apartment complex has accepted their wrongdoing and removed it from my credit but I lost 22 credit points because of this derogatory mark and gained none after the error was removed. I was planning to get a car loan and did not get the rate I wanted because of this. I asked XXXX and TransUnion both to do more research on my score to repair it and they did nothing.
Product: Student loan

UHEAA, despite servicing student loans originating from the XXXX   XXXX  program, is not adhering to the CARES Act, which calls for the suspension of student loan payments & accruing interest from XXXX - XXXX 2020. 

UHEAA 's about us information ( see here : XXXX XXXX XXXX ) confirms they are servicing direct loans : " Through its XXXX XXXX Loan Services  program UHEAA administers student loans originated under the U.S. Department of Educations XXXX XXXX XXXX Direct Loan Program and XXXX XXXX   Education Loan Program. XXXX However, their COVID FAQs ( see here : XXXX XXXX XXXX  ) state that all their loans are FFEL, which, according to their OWN About Us section is not accurate : " On XX/XX/XXXX, the President announced that I can suspend payments on my loans. Do my loans qualify for this suspension of payments? 

According to the Department of Education, this benefit is only extended to federally held loans. Loans serviced by UHEAA are held under the XXXX XXXX Education Loan ( XXXX  ) Program and do not currently qualify for the National Emergency Forbearance. '' I can provide documentation & screenshots showing that my loan is NOT XXXX & is, in fact, a direct Stafford loan and should fall under the jurisdiction of the CARES Act. I have attached a file that documents this.
Product: Debt collection

Getting harassing/abusive phone calls from " XXXX '' at https : //kpassetconsulting.com/ KP Asset Consulting. 

Calls from blocked number. Called family member 's phone numbers who I do not live with or talk to harassing them about a " debt '' that is owed. Threatening to serve papers at residence and place of employment. Abusive, rude, and harassing on the phone. Yells and hangs up when they don't like what you have to say. Refuses to stop calling. 

Has called every single day of the week on blocked number threatening to just appear.
Product: Money transfer, virtual currency, or money service

I had a few transctions I did not approve through zelle be taken out my bank out. I called zelle and they would not help. Told me once it's sent it gone. I lost wages and got evicted behind this.
Product: Checking or savings account

I had previously reported these as fraud : XX/XX/XXXX. XXXX XXXX XXXX. {$1500.00} XX/XX/XXXX XXXX. {$120.00} XX/XX/XXXX. XXXX. {$75.00} XX/XX/XXXX. XXXX. {$100.00} XX/XX/XXXX. XXXX. {$230.00} XX/XX/XXXX. XXXX XXXX. {$82.00} XX/XX/XXXX. XXXX. {$24.00} XX/XX/XXXX. XXXX. {$75.00} XX/XX/XXXX XXXX XXXX {$89.00} XX/XX/XXXX XXXX XXXX {$2.00} XX/XX/XXXX XXXX XXXX {$2.00} XX/XX/XXXX. XXXX XXXX {$60.00} XX/XX/XXXX XXXX XXXX {$94.00} XX/XX/XXXX. XXXX XXXX {$70.00} XX/XX/XXXX XXXX XXXX. {$77.00} XX/XX/XXXX. XXXX XXXX. {$88.00} Total : {$2700.00}
Product: Credit reporting or other personal consumer reports

Transunion is currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the XXXX XXXX of Georgia stated that they did not provide information to Transunion and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Mortgage

I called and explained to them due to Covid Im not employed at the time to put me ins program to help me the lender said they dont have a program although my house is in XX/XX/XXXX, Also my lender keeps reporting my nonpayments to the creditors which is dropping my credit score down too much reducing my score this isnt right when I explained to them my situation I have no income to pay.
Product: Debt collection

I entered into an agreement with XXXX XXXX to resolve a XXXX account. The agreement was for XXXX monthly payments. On the XXXX payment, made in XXXX of XXXX, XXXX XXXX applied the payment to another account in their office, which they allege is mine. 
Each month when I send the XXXX payment I include a letter stating that the payment is for the XXXX account and I include the last 4 digits of the account number. I never authorized XXXX to apply the payment to anything else but the XXXX account, as agreed. 
I received email communication from XXXX XXXX at XXXX, on XX/XX/XXXX stating " I am looking into this and should have an answer shortly. I think I know what happened and it was through no fault of your own. I will remediate this. '' That was the last communication I received from XXXX on this issue that they clearly caused. I followed up with Attorney XXXX via email on XX/XX/XXXX and XX/XX/XXXX, with no response. I called XXXX on XX/XX/XXXX and was told Attorney XXXX was not available to discuss the issue. 
Additionally, XXXX has continued to send me letters stating that I am behind in my XXXX payments. I have copies of each check that they have cashed each month. I have held up my end of the agreement and continued to make the monthly payment in XX/XX/XXXX, and I will be making the last payment of the agreement in XX/XX/XXXX.