23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is in regards to Portfolio Recovery Associates. They started calling me XXXX years ago about a debt I had never heard of before, claiming it was from XX/XX/XXXX or XX/XX/XXXX, or somewhere around there. I told them I never had a credit card with the company they said was the original creditor ... so they said, it used to be another bank ... and I had still never had a card with that company. I asked them to send me something showing what this was actually for and they refused, said they could n't. When the next person called I said the same thing ... send me some paperwork because I do n't owe anything to this company. This person said I would have to submit in writing and they would send me a form, which I never received. Months later another woman calls and again refuses to send me anything, saying they have nothing they can show me, but is demanding my bank account number over the phone to pay them off. I asked her if she would give her bank account number to some random person that called and claimed she owed them money. She was yelling at me and I finally hung up on her. This same woman continued calling me for months being very rude and arguing with me. I stopped answering the phone eventually. Then I did n't hear from anyone for a couple of years. Then I started getting calls again from all different numbers, which I now never answer. They call a few times every couple of months and this is frustrating ... I do n't want to receive these calls forever.
Product: Money transfer, virtual currency, or money service

I have deposited funds from my bank account to Binance US numerous times. {$1000.00} on XX/XX/2020. {$1000.00} on XX/XX/2020. {$500.00} on XX/XX/2020 and many others. On XX/XX/2020 I attempted two withdrawals of {$1000.00} each from Binance US to my bank account. On XX/XX/2020 I attempted to withdraw {$400.00} from Binance US to my bank account. I never received the emails for disbursement on any transaction. {$2400.00} of my money are now " In Order '' on your exchange with all transactions still pending. Essentially you have locked my funds and they can not be traded nor transferred. I have submitted tickets to tech suppport, contacting you through XXXX and messaging your CEO. No response has been given to me. There is a growing number of frustrated customers on social media complaining of the same issues.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute incorrect information in my credit report in accordance with Metro 2 compliance standards. The information in question pertains to the opening date and status of an account reported by [ XXXX XXXX XXXX ]. 

Account Information : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Disputed Item Description : Incorrect account opening date and status Dispute Codes : T - Claims current account status incorrect R - Disputes collateral information Nature of Dispute : According to the Metro 2 guidelines, the opening date and status of the account reported by XXXX XXXX XXXX on my credit report are incorrect. The report lists the opening date as [ XX/XX/year> ], Additionally, the account is incorrectly listed as an open account when it is, in fact, closed. 

I would like to request all methods of verification for this account including all name and numbers and email address of whom you verified previous information with.
Product: Debt collection

I sent ARS Account Resolution Services a letter on XX/XX/XXXX requesting they verify the validity of debts reported on my credit report. They have failed to respond or provide me such verification. I checked my credit report today and they have added yet ANOTHER account to my credit report between XX/XX/XXXX and XX/XX/XXXX. In which I did NOT receive any notices which they are required to do : Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to your report. The collection agency is ARS. The original creditor was XXXX XXXX XXXX XXXX XXXX XXXX 

Upon further research of this company I have found that they are not licensed in the state of Florida to collect debts in which I have proof of.
Product: Debt collection

Delete Collections from Southwest Credit System from XX/XX/2021. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 USC 1692b Not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same.

15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Best Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

In 2023 a check was withheld from my job. I have XXXX XXXX  direct deposit going into my Cash App account. The funds were withheld without any solution communicated or any estimated time frame on a fix.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX,, XXXX TXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Formal Notice of Inaccurate Reporting and Violation of FCRA 1681 ( e ) ( b ) Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the inaccurate reporting of the partial account, the number ending in XXXX ( I have also included my social security number and date of birth at the bottom of this letter ) to the credit reporting agencies. It has come to my attention that your company has been reporting this account as charged off repeatedly, although a charge-off is a one-time event that occurred on XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), 1681 ( e ) ( b ), furnishers of credit information are required to ensure the accuracy and completeness of the information they provide to credit reporting agencies. By reporting multiple charge-offs, you are providing misleading and inaccurate information, which constitutes a violation of my rights under this provision of the FCRA. 
I respectfully request that you : Immediately correct the reporting error by ensuring the account reflects the accurate charge-off status, with the correct date. 
Provide written confirmation of the corrections made to the credit reporting agencies ( XXXX, Experian, and XXXX ). 
Cease all further inaccurate reporting of this account. 
If this matter is not resolved promptly, I have also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue additional legal remedies to protect my rights under the FCRA. 
I expect a response and confirmation of the corrective actions within 30 days of receiving this letter, as required by law. You may contact me via mail or via email : XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report with Equifax and noticed an account that was not originated by me and therefore must be deleted. This also is a violation of identity theft pursuant to 15 USC 1681c-2. EQUIFAX XXXX XXXX XXXX needs to be DELETED from my credit profile with EQUIFAX XXXX The other XXXX credit reporting agency 's, XXXX and XXXX show nothing for this fraudulent account. I also filed a FTC complaint for this erronious account : REF # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

By checking attachment should notify you as progressive settling XXXX XXXX XXXX on vehicle that XXXX lies about paying off. I request repossession document which includes VIN number, date it was repossessed. Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in my system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately. 

Disputed Item 1 <XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX > Reasons why this is an error : 1 ) car was traded in for upgraded vehicle. XXXX to XXXX XXXX 2 ) dealership changed bank from XXXX XXXX XXXX XXXX XXXX XXXX 3 ) only one bank should be reported as completed and closed which should be XXXX 4 ) no repossession 5 ) repossession documentation, when car was towed and repossessed. Car cant be repossessed and new loan opened same bank.
Product: Credit reporting

My disputed is with a company saying that I had a account with them in XXXX 2010 for a car loan in which I had never did any businesses with them no paper work to show I have disputed this with all XXXX credit reporting company with no help other then they say it right when I know that it is wrong the company that is reporting this is XXXX at XXXX XXXX XXXX XXXX, LA XXXX the account number they show is XXXX. I ask for your help in this matter. as I 'm not getting any from the company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX incorrectly reported a XX/XX/2021 30 day late to my credit report. XXXX XXXX XXXX XXXX responded that it was XX/XX/2021 and I have attached the statement. Now Transunion needs investigate the erroneous statement. Transunion is not to verify if the account belongs to me! Not verify my name, address etc!!! Transunion needs to follow the federal law to report accurate information. My report says XX/XX/2021 30 days late and XXXX XXXX XXXX XXXX told consumer finance XX/XX/2021! Erroneous reporting is illegal! Investigate not verify account address!
Product: Debt collection

I did not answer the phone call but the caller left a voicemail message on my phone from Online Info telling me they are a debt collector and I was to respond quickly to an outstanding debt I owed. I owe NO debt ( s )! I did not or will not respond to the request or answer the calling number. Online Info has become a nuisance with numerous calls daily. The number XXXX XXXX XXXX is identified on my phone as Scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a collection in the amount of {$330.00} on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of the bill I received. ) This account does not belong to me and was billed in error. Unfortunately, my daughter had an accident and needed to make a visit to the emergency room. I had accompanied her and assisted her in filling out her paperwork. The billing department must not have switched her insurance information over at the time of this billing and consequently this bill was sent to me and actually should have been sent to my daughter. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Checking or savings account

HSBC locked me out of online banking due to a mobil check that was endorsed. The check was legitimate. They said they would close my account and mail out a check I have talked to 17 different representatives and 3 supervisors. No one can tell me anything. I tried to close the account myself and was willing to pay XXXX . They won't allow me to do that. Im on unemployment and cant pay my rent and am about to get evicted. I have read multiple news articles about numerous customers having the same issues. It took people 5 months before they they received their money. I cant wait that long. Please help me! I was directed to you guys by the multiple articles I have read with people going though the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notice on my XXXX XXXX that a credit report inquiry was completed on me by Synchrony Bank. I contacted Synchrony Bank XX/XX/XXXX requesting that this hard inquiry be removed as I did not apply for any type of credit through them. They advised it was for a retail credit card for the XXXX XXXX and marked it as fraud on their end and will send me the appropriate paperwork to complete to have it removed from my credit report. 30 days go by and I dont receive the paperwork so I contact them again and was advised they had the incorrect address for me. In XXXX XXXX they said they would send notification to the credit bureau to have it removed and nothing further is needed from me. They said it would take up to 30 days. XX/XX/XXXX they said no form was submitted to XXXX XXXX to have the inquiry removed, so they confirmed that it was done that day XX/XX/XXXX, however, no confirmation number could be provided. I submitted a complaint with the XXXX  in which Synchrony Bank advised it would take up to 60 days for XXXX XXXX to correct. It has now been over 60 days an the inquiry is still reflecting on my credit report. Over the course of 5-6 months, I've been lied to by this company and they have done nothing to make up for the fact that they have failed. I don't trust that they have taken care of this fraudulent credit inquiry as it still shows on my credit report. Their lack of urgency to address and correct this issue is negatively impacting me financially as it inhibits my ability to secure credit.
Product: Debt collection

I called midland funding about a 7 year debt in which they offered me a settled amount to be considered paid in full settled however they are reporting to the credit agencies I have a balance the agreement was to be deleted and considered paid. I will take action if not corrected ....
Product: Student loan

Before I graduate from graduate program, I have made consolidated efforts to pay my student loans. After graduation, it is my expectation the loans be consolidated, I contacted Navient and they gave me the run around. They also did not openly disclose that my accounts have one identifying number. Unbeknownst to me and my cosigner, the payments was routed to one account number. XXXX conveniently made sure that this information was not public knowledge. Every month I am saddled with paying a high interest rates because the loans can not be consolidated. I now have multiple loans and there is little assistance from the company to transparently disclose options or to consolidate the loan to one interest rate. This is unethical as I expected an open and honest communications and one identifying loan number. This deceptive practice should stop as there are honest individuals like myself who would like to repay the loan and get out of debt. In addition, since I have been paying, the payments have only gone towards interests payments and the loan amount have remained the same since graduation. This is ridiculous!
Product: Debt collection

Received a statement that they want me {$930.00} by XX/XX/2023 for it to be resolved to pay the balance of {$2000.00} that it's not my debt because I never applied for a Capital One platinum card because I'm unemployed with social security with XXXX
Product: Mortgage

We received an escrow refund of XXXX after escrow analysis. We also received notice that our payment is going up because our escrow is short XXXX. I called the company and requested that our XXXX be deposited into our escrow account and to have the analysis completed again so that our escrow would not be short resulting in a higher payment. The woman I spoke with let me know she did all of the things I requested including submitted a new request for escrow analysis. I had not heard anything so I called back in XXXX XXXX XXXX and was told that they would not be doing an escrow analysis because this would result in a refund check being sent out and that our payment is going up regardless of the funds that I had deposited into my escrow account. I asked to speak to another representative and he confirmed that there was no way to have my escrow surplus applied to prevent the increase in my payment and that the funds I had deposited would just sit untouched in my escrow account. I asked to have the funds applied to principal and the gentleman told me they would be applied. I called back today XX/XX/year> and the funds had never been moved and again I was told that the funds could not be applied to be escrow account. I asked the man to apply them to my principal and I was given a confirmation number of XXXX. I am unsure why they would be allowed to refuse my lump sum payment for my escrow shortage and then allow the funds to sit untouched for four months, and why they can refuse my request for an additional escrow analysis. We were never given an official option on how to proceed with our escrow shortage only told that it would result in a higher payment.
Product: Student loan

I had applied to consolidate my loans and selected the XXXX plan, but Standard payment was lower than XXXX, so when my consolidation was process and posted, it showed the standard repayment plan amount in the repayment schedule/disclosure file of {$150.00} I believe. It also showed that on my Mohela account after processing. A couple of weeks later and it was changed to SAVE, where my payment is higher. I did submit a payment plan change to Standard online on the Mohela website, but nothing has been done and calls keep getting disconnected while on hold. Also, I was put on an admin forbearance and interest was being charged this whole time ( which I recently made a payment for ) I would like for the payment plan to be switched back to Standard as it originally was and should be as well as some type of bill credit for being charged interest when I wasn't supposed to be during that admin forbearance. 

Documentation is attached.
Product: Debt collection

We were mailed a collection notice from a company called " I.C.Q. Search and Recovery '' for a lab bill that was paid by check to " XXXX XXXX '' over a year ago. When I attempted to call the number on the letter, it goes straight to voicemail with no way to get to a live person. When I searched the internet, there are tons of complaints about this same company and this being a scam. I have a copy of the notice/letter and a copy of the check ( proof of payment ) that was cashed and posted to my account back in XXXX 2016. I have mailed a copy of the check to this so called company but am very concerned that they are scamming people and trying to collect on old invoices that have already been paid. Thank you for you help!
Product: Vehicle loan or lease

I went to get a used van and was sold a bad vehicle to begin. The car has been in and out of the shop causing me ridiculous fees since the first month of obtaining it from the shady dealer. The interest rate of almost 10 % was way to high for my credit class and the dealer took advantage of me and committed deception and fraud while selling me the vehicle. In 3 years I've paid enough payments to cover the car but it has all went to interest and not the princial. Then as I spend money fixing it they repoed the bad car I was sold. I redeem it but as a single mother of XXXX kids this is not fair to penalize me on my credit after taking all my momey.
Product: Mortgage

I feel that Wells Fargo discriminated against me because I am a XXXX. I submitted a loan requesting $ XXXX on my mixed use property located at XXXX XXXX XXXX XXXX NY. My property doesnt hold any loans at this time and the property has a market value about {$2.00} XXXX with plenty cash flow of $ XXXX yearly. Also my credit report is over 800. 

I sent all the bank statements along with my 2020 taxes, showing enough cash to secure the loan and I was putting the collateral as my properties and business. 

The reason my loan was denied by Wells Fargo was due to the type of collateral. I am very confused because before I submitted the loan application I discussed everything about my loan application with XXXX XXXX and XXXX XXXX from Wells Fargo to make sure that I would be able to get the loan. After providing all the information about my properties and my reason why I wanted to obtain a loan they invited me to apply for this loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX FINANCIAL Auto Financing XX/XX/23 XXXX XXXX XXXX AUTO FIN Auto Financing XX/XX/23 XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/23 XXXX XXXX FINANCIAL Auto Financing XX/XX/23 XXXX XXXX CREDIT/TURN AUTO M Auto Dealers, Used XX/XX/23 XXXX XXXX FINANCIAL Auto Financing XX/XX/23 XXXX XXXX XXXX AUTO FIN Auto Financing XX/XX/23 XXXX XXXX FINANCIAL Auto Financing XX/XX/23 XXXX XXXX FINANCIAL Auto Financing XX/XX/23 XXXX CREDIT ACCEPTANCE Auto Financing XX/XX/23 XXXX XXXX XXXX AUTO Auto Dealers, Used XX/XX/23 XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/23 XXXX XXXX XXXX XXXX XXXX Finance XX/XX/23 XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX CREDIT ACCEPTANCE Auto Financing XX/XX/23 XXXX XXXX CARDS XXXX Bank Credit Cards XX/XX/23 XXXX XXXX XXXX XXXX XXXX, Used XX/XX/23 XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX TCI/FIRST HELP FINANCI Auto Financing XX/XX/23 XXXX XXXX XXXX XXXX CO Auto Financing XX/XX/23 XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/23 XXXX XXXX XXXX Bank Credit XXXX XX/XX/23 XXXX
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case