23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I would like to report the company : Cedars Business Services. The address one their letters is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ca XXXX I was in XXXX, XXXX XX/XX/2019. I rented a car. 
I received a notice 1 year and 4 months later informing me of a traffic violation. This is beyond XXXX XXXX legal time limit for notification which is 360 days of the violation. 
It appears that the company, Cedars Business Services, possible purchased the debt. I'm not sure. 

They insist that I pay XXXX Euros. The original citation is XXXX Euros. 

I have looked up Cedars Business Services at the XXXX XXXX XXXX to discover they are untrustworthy. It is known as a scam. 

Please advise as to next steps. 
If I own the debt, I will of course pay. However, many have paid and regret it as they continue to be harassed and told that they have never paid the bill.
Product: Credit reporting

On XXXX/XXXX/2016 I submitted Identity theft papers to XXXX consisting of my FTC Affidavit, Police Report and some other documents supporting my claim. Today is XXXX/XXXX/2016 and the creditors XXXX XXXX and XXXX 's which are the same company is still reporting on my credit report after I sent in my identity theft documents explaning how them XXXX accounts do not belong to me. I also sent XXXX XXXX and XXXX 's a copy too, and By Law since I sent them a copy of the FTC Affidavit and Police Report them items suppose to be blocked by the credit reporting agencies and also the creditors for supplying them with that pertinent information. The Law States : If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX 
When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. XXXX
Product: Money transfer, virtual currency, or money service

I opened an account with coinbase www.coinbase.com and when I wanted to withdraw my money then their app says account under review, I tried to contact them via different ways both answer yet, this has been like this for over 3 months already, I even told a friend that lives in XXXX XXXX to go to their office and there is nothing there. 
Please help me to recover my money, it's a fraud, there are forums with other people in the same situation. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX Balance {$340000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$550.00} XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

XXXX XXXX refunded me {$710.00} to the debit card ending in XXXX, Wells Fargo has insisted they didnt receive it but XXXX XXXX me with the trace numbers and information. Wells Fargo needs to refund me the money that was sent to the closed debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should not be reporting a collection/chargeoff in the amount of {$390.00} on the XXXX XXXX XXXX, original creditor XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The account number and opening date on this account has been changed and the reporting date has been moved forward. This is a total violation of the Fair Credit Reporting Act. The FCRA mandates that accurate information be reported on a 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 bureau to remove this however, I have not been successful.
Product: Debt collection

I received a call at work from this collection agency claiming to be attempting to collect a student loan debt about a month ago. I immediately told the representative not to contact me at work and that the amount alleged owed was in dispute. I further requested verification from them in writing of the alleged debt. This was about a month ago. Despite me telling them not to contact me at work they have continued to do so twice, including today ( XX/XX/2018 ) from someone who identified himself as XXXX at approximately XXXX. Central time. In addition when speaking to the receptionist at my work the representatives have given the name of the company as XXXX XXXX XXXX XXXX, which anyone can XXXX  and see it a debt collection agency. Perhaps the most egregious thing this agency has done was to send a letter to a general fax number stating that they were requesting employment verification for me. They included my social security number and ask about my income. This letter was left on a general fax machine where anyone could have and did see both my social security number, the agency and their request about my income. This fax was sent at XXXX. central time so the company should have reasonably known that sending a fax with that personal information likely would not have been retrieved until the next morning meaning anyone, including random office cleaning staff would have had access to my social security number. Furthermore I still have not received the verification I requested. I believe that all of these actions are in violation of federal law and was done solely to repeatedly harass me.
Product: Money transfer, virtual currency, or money service

Ive been trying to get my {$4000.00} back for the past year and a half with no progress. 

XXXX XXXX refuses to help their customers and I have all the chat logs from them. 

Basically I deposited money and when I went to cancel it, I could not get it back. 

Ive already filed a complaint to my bank because I thought thats where the issue was but after their research it turns out the trace number I received from XXXX XXXX did not match anything.
Product: Debt collection

Receiving weekly voice messages from caller stating she is XXXX XXXX attempting to find location information about XXXX XXXX, call back # is XXXX, extention XXXX. This problem apparently is occurring with my tenants whom share the same address. We do not know this XXXX XXXX person nor have any association with this company. Obviously this company is utilizing open source searches to connect anyone whom may have nexus to the debitor, and keep on contacting unrelated persons until they find Ms. XXXX. 

Attempts to contact the phone number provided, they ignored our request to remove our number from their calling list, these phone calls & voice-mails continue. Last contact was yesterday, XXXX, at XXXX. A search of XXXX came back to Alliant Capital Management, a debt collection agency. Caller ID shows these calls are from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been compromised by the massive Equifax data breach. Equifax has acted negligently and criminally through the process of discovering the breach, selling some of their own shares before even informing customers of current personal risks. On top of that, they are only offering 1 year of enhanced protection.
Product: Credit reporting or other personal consumer reports

I recently got a copy of my Experian credit report and noticed there is an inquiry on XX/XX/year> For the company named XXXX XXXX XXXX that was in fact, not authorized by me. Ive contacted that particular company. They dont have any records with my information and ive also contacted Experian via phone and no one can seem to tell me where it came from or help on getting this inquiry removed
Product: Bank account or service

I have a santander bank account -at the time of account opening -I opted for no debit card. Now when i am logged into the account and wanted to transfer money to my account in another bank - it is not letting me do that. It is asking me to enter the debit card # and PIN. As i do n't have that - i can do nothing. When called customer service they are not helping with the reason that i need to provide " debit card # and PIN ''. other option go to the branch ... i live in XXXX AZ and there is no way i can go to their branch for that. 

another issue - there is no security in their online banking ... i am inactive on that page for more than XXXX minutes -it has n't logged me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This irritates me! I've already spent months sending disputes and filing complaints, but I'm not seeing any results from them. This is causing me a lot of pain and stress.
Product: Debt collection

I checked my credit report and noticed a collection from Waypoint Resource for {$1200.00}. I disputed this with Trans Union and they sent back today stating it was an accurate account. I called Waypoint today and spoke to them at XXXX XXXX XXXX The lady told me that it was an XXXX XXXX XXXX that was purchased in XXXX. It told her I do own an XXXX XXXX XXXX but purchased it through XXXX who is my provider of XXXX phones that I still currently own for my family. I live in XXXX XXXX and would never drive to XXXX to purchase a phone. I tried to contact XXXX to talk to someone at their company but didn't get through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX credit companies are not updating my personal credit that I have disputed and that Lenders such as XXXX/XXXX XXXX, XXXX XXXX and XXXX have disputed on my behalf. XXXX XXXX mortgage disputed my loan so that Experian and XXXX would update it to a " In good standing and up-to-date account. My student loans held by XXXX and XXXX XXXX have XXXX balances and have been dismissed due to my XXXX XXXX. Also, they will not update and remove old information from my report such as what XXXX has done. XXXX is working on my report but Experian and XXXX refuse to update my credit and give me an accurate credit score. In fact I am unable to get a credit score from Experian. Please help me with this issue.
Product: Student loan

XX/XX/XXXX per phone conference with supposedly the student loan Manager for Firstmark Services. Original loan was received from XXXX XXXX and was put together by my son and XXXX University in the amount of XXXX. We believe, as real estate agents, that we got the loan on a fixed rate of 6 % back in XXXX. The XXXX loan, with a balance of XXXX, will never be paid off by this former XXXX University student that was not able to graduate because of health. 
Speaking to the Manager your treated as a reasonable XXXX by asking for assistance about an original fixed 6 % interest back in XXXX. Trying to review records from that time and from that lender, XXXX XXXX, can not be accomplished by us. This is why were asking for help because we are co-signers supposedly and Firstmark Services believes its okay to use XXXX XXXX transfers to an interest rate of almost 13 %. I truly hope there is an error and I hope its not my XXXX and hard working family at fault. I would appreciate help and I almost wish we didnt have to go through unhelpful master of profit Firstmark Services . Thank for your help.
Product: Mortgage

On XX/XX/XXXX, I notified Fay Servicing that calculation for new mortgage payments starting XX/XX/XXXX, is incorrect. The company stated due to escrow shortage payments effective XXXX XXXX, shall increase to {$1600.00} from {$1600.00}. It is my understanding payments should be reduced as homeowners insurance was decreased from {$3500.00} to {$3000.00}, effective XX/XX/XXXX. I submitted the insurance policy for their review. And never heard back. As this account is included in bankruptcy I did receive any information from Fay Servicing until XX/XX/XXXX. I am not paying new mortgage when documents show homeowner insurance rate was lowered by {$480.00}. My Fay Servicing account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving and going over my credit file, it's obvious that I been a victim of identity theft and the aftermath has seriously impacted my credit file. As I begin my own investigation into the matter, I would like to demand physical certified documentation from the 3 major credit reporting agencies inwhom is reporting such frivolous accounts inwhich as effected me and my livelihood. Also I'm requesting that the credit reporting agencies share with me the Method of Verification inwhich they will take in solidifying this issue. If not please block the following accounts from my credit file immediately as stated within the consumer laws of the FCRA. These are the accounts that needs to be blocked. 

1 ) XXXX XXXX XXXX {$4600.00} 2 ) XXXX XXXX XXXX {$990.00} 3 ) XXXX XXXX XXXX {$930.00} 4 ) XXXX XXXX {$670.00} 5 ) XXXX XXXX XXXX {$560.00} 6 ) XXXX XXXX {$530.00} 7 ) XXXX   XXXX {$410.00} 8 ) XXXX XXXX XXXX XXXX {$310.00} 9 ) XXXX XXXX {$230.00} 10 ) XXXX XXXX XXXX {$210.00} 11 ) XXXX XXXX {$100.00} 12 ) XXXX XXXX  {$57.00} 13 ) XXXX XXXX XXXX {$51.00} 14 ) XXXX XXXX XXXX  15 ) XXXX XXXX XXXXXXXX
Product: Debt collection

I received a letter about an alleged debt for the amount of {$960.00} dated XX/XX/2021. I then began to receive phone calls about the alleged debt. The phone calls were rude they used obscene and profane language, the people I spoke to were combative didn't allow me to finish my sentences, they talked over me, didn't answer my questions, they asked me to confirm information they had about me that I didn't give them permission to have. at this point I felt harassed so after they called the second time I called them back and told them they no longer have permission to contact me by phone and all communication must be made through mail. I examined the letter and found a bunch of violations according to the fair debt collection practices act. I responded to the letter I received with an affidavit within that affidavit I listed all the violations I found with labeled exhibits. I had my documents notarized and sent them XX/XX/2021 via mail. it has been over 30 days and I haven't received a response to my affidavit or invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX us bank and My Credit Card account number is XXXX XXXX XXXX XXXX I had stolen my card and someone had swiped my card fraudulenly on XX/XX/2019{$8.00} and {$12000.00} from XXXX XXXX  which I had never authorized anyone..
Product: Debt collection

One I have information relato to me in another state I never lived in. And 2 I owe 2 banks and Ita bankruptcy but I got no notification of such also my ex filed unemployment with my personal information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX on today XXXX XX/XX/2020 once again to verify if they had received my insurance payment from XXXX XXXX XXXX insurance. 

The associate advised me that XXXX would continue reporting me 60 days past due even though that had received a payment of {$4900.00}. I was advised payment would only go to principal and not the past due. 

I am reporting XXXX for two reason. 
Predatory lending : I was put into a loan on a used vehicle without GAP insurance, but an extended warranty which I paid for two years ago. I have had my loan for 2years and owe more on the car than initially purchased. 
Second reason : Poor Credit Reporting, any payment made on a loan is typically reported to the past due. 

Car loan also would not consider lowering the monthly payment to at least 80 % less considering I no longer have a care. 

Please advise if this if fair is considered Fair Lending practice. I feel this is a discriminatory case as well because I am a XXXX young male. 

Thank you XXXX XXXX
Product: Credit card or prepaid card

I used my Citicard to make a XXXX XXXX transfer. I did not know it would be considered a " cash advance ''. I was already paying XXXX XXXX a fee. There was no notification that it would be considered a cash advance. In fact, I looked for the charge on the account on-line and it was listed there with all the other charges. There was no indication it was classified as this. The last day of the billing cycle, they changed it to Cash advance and also charged interest. If it was listed on line or advised I would have went to the XXXX XXXX office or at least mitigated my costs.Why would I pay {$13.00} on a {$80.00} transfer? When I received the bill, I spoke to a number of reps who all said they could not do anything. I was charged {$10.00} + interest. It is not the money but the fact that they are unethical and fraudulent in how they do business. I told them I was disputing and they said I could n't. I immediately cancelled the card and paid the bill less the charges I felt were not valid. Unfortunately, a merchant credited back some money and it was accepted by them If I cancelled the card, why did they accept the credit back? So it left me with zero recourse other than complain to whomever will listen. As a customer of theirs who has paid their bill on time for five to ten years or more at the very least they should have understood the circumstances and credited me. If they are doing this to me, they are stealing from everyone. There should be a class action lawsuit against these fraudulent practices.
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. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # 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: Mortgage

Could you please help me, 1- I had a mortgage loan with 360 Mortgage which was paid in full and on time. XXXX Loan Number XXXX ( Property Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ). 

2-Upon reviewing the XXXX credit bureaus I found 360 Mortgage had me listed as late. 

3- I have contacted the XXXX XXXX XXXX at least 4 times but 360 Mortgage keeps giving me the same Letter indicating the loan was paid off on time but the 3 credit bureaus need for 360 Mortgage to contact them to resolve the discrepancy. I do not know what action to take any longer. I even asked for upper management help to no avail. ( XXXX XXXX XXXX XXXX ). Please see the 360 mortgage letter below.
Product: Payday loan, title loan, or personal loan

XX/XX/2020 I paid off my loan in full. 
On XXXX XXXX, 2020, I called to renew the lease based off of my receipt header and the manager said that she was told by home office to deny my loan renewal because of their other loan offices.
Product: Credit reporting or other personal consumer reports

These late payments are not reflective of my typical payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct # XXXX on XX/XX/23 & XX/XX/23 violated my rights according to 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose. Creditor sent a letter to rectify this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax about XXXX having an unauthorized inquiry on my report and also having incorrect addresses on my report. They have had ample time to investigate as I have been asking for them to remove this data since early XXXX. Please urge them to remove this incorrect DATA please.
Product: Credit card or prepaid card

Commenity bank 's website went down sometime in the last two weeks of XX/XX/2022. I was unable to login and retreive account information. About a week later, that issue was resolved and I was able to view most of my account information online. On XX/XX/2022, my first transaction was declined. I figured it was due to their ongoing site/conversion issues and did not use my card for a few days. I have tried to use my card several times up to today 's date - XX/XX/2022 and the card continues to be declined. I do not have a balance on my account and have a credit limit of almost {$18000.00}. I have tried to call in to the customer support number but each time, I get a message that tells me customer support is closed. My calls are during normal business hours. I have tried to call mid-morning and mid-afternoon but get the same message each time. Additionally, I am unable to redeem rewards during this outage. This disruption of business has lasted longer than three weeks with no word from the bank on when it will all be corrected. I have also submitted a message to the bank about the matter via their online messaging system but have not yet received a response.I have several XXXX of dollars in cash back credits that I'd like to use but am unable to do so if I can not use the card to make purchases.