23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I discovered the collection account that was opened from XXXX mobile and bought by Sunrise Credit Services, at the beginning of XXXX this year.They never sent me a letter or called me or anything to notify me ( probably because they didn't have my actual info since the only info they would've had has fraudulent and due to identity theft ). The collection account was opened back XXXX and the debt had been delinquent since XX/XX/2022 ( via XXXX dispute report ). I immediately had to look up a number for Sunrise because one had not been provided. Only my severely lowered credit score alerted me there was an issue. I called Sunrise Credit and they mentioned the account originated from the address XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, IN XXXX, a location I have never lived. They admitted it sounded like it could be fraud. I thought, bingo, and that they would do a proper investigation and get this off of my credit. Instead, the XXXX rep, who wouldn't give his name, wanted my credit card information in order to charge me {$1.00} to do an investigation. 
I pulled back saying that didn't sound right, he became slightly irritated and threatened me saying they couldn't help me otherwise. This was the only time I spoke with them. I have been disputing the collection via the credit bureaus since, filing police report and also with the FTC Identity Theft division.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are negatively impacting our credit scores, if we win a dispute against a credit company. I won a dispute against XXXX XXXX, after it was proven that they cheated & defrauded me. The account shows as Legally Paid in Full. Yet, the credit reporting agencies insist on making ME wear the Scarlet Letter for 7 years! <P/>The credit reporting agencies instructed me to contact the company to ask that they send a correction. XXXX will not help me! I proved them to be cheats & liars! They are laughing at the fact that the credit reporting agencies are helping them to XXXX me, by rubbing salt in my wounds!XXXXIt is not fair, that I fight against someone trying to XXXX me over, I win, I prove them cheats & liars, and my reward? I am forced to carry the dreaded SERIOUS DELINQUENCY on my credit record for 7 years! How is that fair? I was a victim, and now, I am a victim again! For 7 years, I am a deadbeat,  because I refused to allow someone else to cheat me?? <P/>I just finished a call with XXXX. They insist on keeping the bad mark against me, even though they know all the material facts, that I had won a dispute against a company trying to cheat me. They insist on making me pay the price for something I did nothing to deserve. This is just wrong.
Product: Debt collection

Went to Renown ER last XX/XX/2023. I didnt know I have a different bill other than what Renown billed me because I didnt receive any bill from XXXX XXXX XXXXXXXX but they sent my medical bill to collections agency without any notice amounting {$920.00}. I just knew I had the bill because I was going through my insurance app. They said they sent the bill but the collections agency told me they did not because they dont have my Apartments Unit number. I tried to work with them and the collections want to charge me interest. Its so unfair because if they just sent me the bill, I wont have to deal with collections and I know Im always on top of my payables because I dont want a negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep my reports locked. I have no issues unlocking my reports from XXXX  and XXXX. Hop online verify my information and boom done. With Equifax the past four times I've tried to unlock my reports I receive a message to 'give us a call. ' Every time I call them I sit on hold for an hour to verify my identity and they try to sell me their credit monitoring services. I should not have to waste an hour of my day listening to a sales pitch to have them unlock my report.
Product: Debt collection

On XX/XX/year>, I provided a 60 day notice to vacate to XXXX XXXX XXXX XXXX due to my mother passing away on XX/XX/year>. XXXX XXXX, my mother was also on the lease. Rent for XX/XX/year> was paid in full and on time on XX/XX/year>. All belongings and persons on the lease were gone from the unit by the end of XX/XX/year>. Since the property management company was not able to find another tenant for the month of XX/XX/year>, I was charged a full months rent for May even after providing proper notice and vacating the apartment in XX/XX/year>. I was not given a 5 days notice to quit, I was not late on any past months rent, I was not being evicted for non-payment of rent. XXXX XXXX XXXX sent the bill for XX/XX/year> to a collection agency. I provided documents supporting my side of the story. The unlawful charge was posted to my credit report and was not removed after I paid the bill in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Settled debt with company called " CREDENCE RESOURCE MANAGE ' in which they stated once paid they will remove from my credit report. Its been a month and its showing up on my credit report. Amount was {$300.00} - CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX
Product: Prepaid card

On XX/XX/2023 my card was charged {$50.00} by a company for an upcoming appointment. That appointment was cancelled prior to occurring and the charge stayed for services that were not rendered. I called the company multiple times, left several voicemails, sent several emails and they have been non responsive. I called XXXX within the limited 10 day dispute window they offer to ask about disputing the charge and they said they were unable to dispute any charges if the company at any point was given my card information, they said it didnt matter that the company charged for a service they did not provide.
Product: Debt collection

I am writing to report fraudulent activity by Credit Management Company. This collections agency has now twice falsely claimed I owe money to a hospital I never visited. 

Most recently, on XX/XX/XXXX, they opened a collections account stating I owe a debt of {$810.00} to XXXX XXXX XXXX for an XXXX visit on XX/XX/XXXX. They told me the doctor was XXXX, I paid {$130.00} on spot, and that " XXXX XXXX XXXXXXXX '' is no longer a operational building for them to provide a location of this hospital I attended. When I contacted them using the number XXXX to dispute this, the representative tried to pressure me into paying a reduced amount instead when I let him know that I have no knowledge of this account. This suggests they are actively trying to defraud consumers by scheming with false information. They are still making attempts to contact my phone number from XXXX and have their outbound XXXX Caller ID displayed as " Account Services ''. 

The very first instance this occurred on XX/XX/XXXX as they emailed me from XXXX to XXXX putting me in collections asking me to pay {$360.00}. This was successfully removed after disputing with XXXX. 

I have never been to XXXX XXXX XXXX on XX/XX/XXXX and I know for a fact that I never go to an XXXX at all. I did not live at the address they have on file in early XXXX. 

I request a full investigation into Credit Management 's unethical business practices. They seem to be repeatedly fabricating debts in my name in an attempt to unlawfully collect money. This collection account is still on my credit report and has not been removed claiming that it is accurate. This is wrong. Please let me know if any other information is needed from me. I look forward to hearing the actions you will take in response to these serious allegations.
Product: Mortgage

Bank of America , National Association Successor by Merger to BAC Home Loans Servicing FKA Countrywide Home Loans Servicing, LP ( " Bank of America '' ) has never prepared for the last XXXX years in recordable form an assignment of the mortgage from Bank of America to XXXX trade name XXXX ( " XXXX '' ) in the XXXX, State of Hawai'i, yet has, and continues to convey in all of Bank of America 's letters, court documents, notices, motions, and correspondents for countless years that Bank of America is the debt collector, the servicer, the investor, the creditor, the mortgagee, the lender, the note holder simultaneously for many, many years, but has never prepared in recordable form an assignment of mortgage from Bank of America to XXXX in the XXXX, State of Hawai'i for XXXX years. 
Go to Attachment. 
It is obviously to late now for Bank of America to address, cure, and remedy this XXXX that 's spread for the last XXXX years! 
There is also years, and years of tangible facts, and substantial evidence these countless fraudulent, and sick deceptive practices continues to plague the land records of every Municipality/County, State, and the United States of America.
Product: Credit card or prepaid card

I made a payment to my WSFS Visa card via electronic transfer from my WSFS checking account on XX/XX/XXXX. Typically, it takes them 3 days to clear, so I waited before contacting them. When I did contact them, they stated that they only apply payments at the end of the month, but that I could call the XXXX number on the card if I need it processed sooner. 

On XX/XX/XXXX, I called the number on the card. After spending XXXX minutes on hold while the customer service rep investigated, he determined that he could not do anything about it. So, I am now 11 days in on making a payment from my WSFS checking account ot my WSFS credit card and they still have not been able to apply the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my new direct lender per the credit report he received that the previous mortgage company ( Financial Equities ) had pulled by credit 36 times with at least 3 hard inquiries since XXXX 2017 resulting in damage to my credit report and score. I did not authorize all of these separate pulls and feel this was done so inappropriately.
Product: Credit card or prepaid card

I applied for an Amex Business Gold Rewards card on XX/XX/18. I was approved later that same day. 

The application was advertised with a sign-up bonus offer of XXXX points for spending {$5000.00} within 3 months. 

I received the card, activated it and spent over {$5000.00} within the aforementioned period. I reached out to Amex today as I had not received the sign-up bonus, and told the bonus was denied. 

I note the following : 1. I have never held this card product before, 2. I  met the minimum spend as per the advertised offer, 3. I did not receive a " pop-up '' upon application indicating to me that the sign-up bonus offer was being denied, 4. At no point did Amex proactively tell me that they were denying the sign-up bonus. 

Based on this information, I made the minimum spend requirement and expected the sign-up bonus. Only upon inquiring why the sign-up bonus had not yet posted, was I told that it was being denied. 

I consider this a bait & switch action on Amex 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting a XXXXXXXX account as delinquent and as collection debt. The item they are reporting has wrong dates, wrong company names and an incorrect balance as many charges have attached to accounts. It also reported as an account that has been sold to a third party agency.
Product: Mortgage

I purchased my property on XX/XX/XXXX. Early in XX/XX/XXXX it was sold to Penny Mac. All correspondence advises they accept checks. 
On XX/XX/XXXX I advised them of my proper mailing address On XX/XX/XXXX, I sent a check for {$250000.00} to them- approximately my princ balance. 
On XX/XX/XXXX, I talked with them and they had not received my check. Other check 's mailed out had all been cleared by XX/XX/XXXX but this one with them had not. They assured me they had not received it. ( XXXX ) On XX/XX/XXXX, they still had not received my check, and i advised them i put a stop payment on it ( {$25.00} ). I was concerned now that it was lost in the mail, again they assured me they did not have it. ( XXXX ) On XX/XX/XXXX and XX/XX/XXXXh i paid electronically {$99000.00} each day. 
On XX/XX/XXXX- I received a letter ( dated XX/XX/XXXX ) mailed to the physical address, not my mailing address. Of which they have had the correct address since XX/XX/XXXX, stating they are returning my {$250000.00} check for it is not " certified funds ''. They are claiming now that they only accept checks for regular payment amounts. Included in the mail was also the attempt to send to my mailing address on XX/XX/XXXX stating got returned? 

So to my estimation, it has cost me about {$330.00} in interest, plus {$25.00} and my time because they didn't accept my pmt, advised me they never had it when if fact they did and sent correspondence to the wrong address regarding this matter ... 

On XX/XX/XXXX ( XXXX/XXXX  ) - advised they would go up the chain of command because not accepting my pmt ( when in my agreement, not their policy, does it state they wont take a check? This is appears, knowingly or unknowingly, directly cost me more and they have yet to correct this. Isn't this a compliance violation? Proper billing and crediting payments properly??? 

Since they promised me to call me back by the end of the day on XX/XX/XXXX and have not. I have chosen to email the CFPB on their compliance issues. To settle this account, i respectfully request they reduce my pay off by {$500.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( Cfpb ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected .of {$1200.00}
Product: Credit reporting or other personal consumer reports

Please investigate this information, they are wrong. 

Account Name : XXXX Account Number : XXXX Balance:XXXX
Product: Credit reporting or other personal consumer reports

I was taken advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me incredible financial injury, it has caused me defamation of character, caused me to be denied a job, and I can not apply for credit because of this. It has seriously hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that Transunion is reporting incorrect information on 2 of my accounts. As they have been marked in other bureaus as paid. Transunion has them as derogatory and its hurting my possibilities with future credit. 
XXXX ; XXXX XXXX XXXX ; XXXX Please update as they were paid on time. In addition everything on my consumer report has to be 100 % accurate.
Product: Checking or savings account

Dear all, On XX/XX/XXXX we have made a NO PENALTY XXXX with XXXX $ with a 4.05 % rate, and another XXXX, with XXXX $ ( this was a remaining from other closed account ). 
This CDs expired on XX/XX/XXXX and we communicate to the bank several times ( by phone ) to indicate that we are not interested in renewing the CD, but they answered that they can not close the CD unless we go in person to a XXXX agency, and they can not send a check to or address or transfer the money to another account. The problem is that since CitiBank have closed all our deposit accounts ( on XXXX ), we can not receive the money in a checking account to and since our residence is outside US ( in XXXX ) is very complicated travel to US only to go a Citibank agency to deal with this. 
Another issue is that Citibank also has withhold taxes over the deposit incomings, although we have signed a W8 requirement because we do not live on the US. It is possible to recover the taxes? 
At this moment, we ask for your help to find a way to recover these funds blocked at CitiBank. We have a fully functional account in XXXXXXXX XXXX XXXX, and it could be a feasible solution that XXXX transfer the money to our account in XXXX ( Note that we are the same titular in both accounts ). 
If this option is not possible, we also propose that they send a non-transferable check to our residence address in XXXX XXXX by XXXX as they do the last year to solve the previous issue in 2023, and then we can deposit the check in another bank.

At this moment, Im currently dealing with health issues, and I need to pay some medical treatments, making more difficult to travel to US. 
Attached the document that proofs that our actual residence is in XXXX, to demonstrate the residence and the mentioned CD statements for reference. 
Thanks for the support you can give to us.
Product: Credit card

Capital one menards card. Has taken interest charged and added on to charge more interest. So Im Paying intrest on intrest already paid. Charging me XXXX $ intrest when my payment is XXXX. 

Credit cards need to be put in check. They do whatever they want.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXXXXXX 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/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

XXXX XXXX on XX-XX-2017 that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report .I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any transactions previously made by me the consumer. AMEX inquiry dated XXXX .Please remove these inaccurate inquiries off my report
Product: Vehicle loan or lease

On XX/XX/XXXX, i signed a contract with Ally Financial for an auto loan. I began the first {$570.00} payment on the loan XX/XX/XXXX. The first 5 years of the loan i made payments on time every month, never late. Last year i had to change jobs and got about a month behind. In XX/XX/XXXX i started making {$600.00} to catch back up and have since continued to make {$600.00} payment and am now only {$190.00} behind. During the first 5 years of the loan, i made 6 extensions, using those only when i was having financial trouble or was laid off from work. XX/XX/XXXX is the end on the 72 month contract and Ally has now added an addition 24 months to my loan. They claim it is because of unpaid finance charges, the finance charges on the contract where {$16000.00} to date i have paid over {$19000.00} in finance charges. I have contacted Ally and they seem unwilling to fix this issue and comply with the written contact.
Product: Credit card

I had a credit card from XXXXOLLO CARD SERVICES on or around XX/XX/XXXX or XX/XX/XXXX I tried to use my credit card and it said it was macked out. I called the Ollo bank customer service number and the woman said I went over my credit limit. When I asked how she said someone used your card to purchase a bunch of online games for XXXX or XXXX. I told her it wasn't me and that my XXXX XXXX XXXX son must have used my card and I DID NOT authorize them charges. She said it didn't matter that I had to pay for the charges anyways. So I closed this account. 
I recently received notice from ny state attorney generals office that this is illegal to charge me for UNAUTHORIZED charges to a persons credit card. They did say that the call was being recorded so if they listen to the recording from these 2 dates you can here the woman stating that I'm reliable. 
Which by ny state law I was not responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and I am formally requesting that these be investigated properly with immediacy. The account information listed below Is inaccurate. 

On XX/XX/XXXX I settled with XXXX for XXXX. 
I was informed that they would report my account Accurate and as Paid. 
I have found several inaccuracies with Experian, XXXX and XXXX. 

This account as of XX/XX/XXXX reports as follows : 3 Different payment Status reporting -Reporting as a Current Collection -Experian has payment status as : Legally paid in full for less than the full balance -XXXX has payment status as : Paid XXXX has NO payment status XXXX is reporting this account as open