23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contact Penn Credit Corporation about XXXX XXXX XXXX collection accounts reporting on my credit report. I acknowledge owing XXXX account, but not XXXX and was concerned that XXXX were reporting, hurting my credit score. I spoke to XXXX, who confirmed that I owe $ XXXX XXXX account only. She stated that Penn Credit Corp reports accounts as they receive and update them, resulting in XXXX collection accounts reporting to the credit bureaus. She also stated that Penn would not remove the second account-acknowledged to be a false collection account-until the first was paid in full. I asked to speak to a supervisor and was transferred to XXXX XXXX. XXXX stated that when an account stays in the office for a certain length of time without payment, Penn Credit Corp assigns the account a new client number and re-reports the account to the credit bureaus as a new collection account, resulting in a false, duplicate second collection account. XXXX supported XXXX 's actions and re-iterated that if I paid my account balance in full, XXXX of the collection accounts would be removed from my credit report. I explained that the false collection account is impacting my credit score and making it appear that I have XXXX collection accounts with XXXX XXXX when in reality I only have XXXX. XXXX indicated that she would file a request for a balance verification. I asked how long that would take and she said she had " no clue ''. I also asked what this would do as I had acknowledged owing a balance. XXXX said it might delete the second collection account from my credit report. In the meantime, I still have the XXXX collection accounts reporting on my credit report, causing my credit score to be lower than what it should be. The original account was assigned in XXXX and has reported since. The false, duplicate account was assigned in XXXX and reported since. At this point, what is to stop them from assigning another client number and reporting a third collection account to the credit bureaus?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau : A few months ago, I opened a Capital One card ending in XXXX  to have as a travel card. I used it once, charging {$5.00} at XXXX XXXX, for the sole purpose of activating it. Since I never received a statement, I forgot about the {$5.00}. A week ago, I finally got a statement, delivered electronically with a $ XXXX late fee. I called Capital One and the agent said that she would waive the fee, and I paid the {$5.00} by check. Then the agent suggested that I close the account, which I did. 

On XX/XX/XXXX, I learned that closing the account caused my credit score to decrease by XXXX points, from XXXX to XXXX. As I said earlier, the agent advised me to close the account, so I called Capital One a second time. 

This agent told me to reopen the account, but said that she did not know if doing so would have any effect on my credit score. However, Capital One sent me a link that told me my credit score had decreased, which means that Capital One was clearly aware of the credit situation. 

Only after 30 minutes and multiple holds did this agent say that I could dispute the change in my credit score by writing to the Capital One Credit Disputes Department. A Capital One agent named XXXX XXXX via XXXX ( XXXX ) sent me a copy of my statement so I could get the account number because I had destroyed the card. The statement is wrong, showing a balance of $ XXXX is incorrect, as the account is closed. For the third time, I called Capital One and this agent told that the balance is indeed XXXX. 

I wrote to the Capital One Credit Disputes Department on XX/XX/XXXX to get my credit score corrected because Capital Ones customer service is inept at best ; deceptive and perhaps illegal at worst. 

On XX/XX/XXXX, Capital One responded : Please contact the credit bureau reporting agencies directly to assist you with your request. 

Please help me resolve this issue and get my credit score returned to XXXX from XXXX. This matters a great deal, as you know. Capital One is dishonest and deceptive. 


Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that were used fraudulently in 2018. I filed a police report when my wallet was stolen. I have sent 7 letters of dispute including my state id, FTC Identity Theft Report, copies of the police report, and my social security card. This information should have been blocked under FCRA, and after a year and a half of sending certified letters regarding a XXXX XXXX XXXX XXXXXXXX XXXX XXXX. FCRA says information needs to be blocked in 5 days of receipt of the packet being sent certified mail. The XXXX XXXX XXXX verify it every single time, and nothing gets removed despite being a victim of theft. XXXX sends me a letter over the last 6 times sending a packet saying they want me to resend the same exact packet of information which is so frustrating. I filed a complaint with the CFPB, and they sent it back to be verified to XXXX XXXX instead of resolving the issue. If I do not get a resolution from XXXX, I will file with the XXXX XXXX XXXX and a small claims case in XXXX County.

I demand that information be

blocked. Total notated " lost or stolen '' in
the consumer statement section. This is unacceptable.
Product: Vehicle loan or lease

In XXXX i called trying to work something out on a charge-off account, the rep was very blunt to the point and no care with helping me. In XXXX, my mother called as a " co '' on the account, and they tried to get more money out of her through the negotiation process as seeming to be deceitful and ill- intentioned. I 've called a few times after, and when i address the issue, I 'm placed on a ridiculously long hold. Today i finally got a rep on the phone, and he was more interested in capitalizing on the situation of me wanting to resolve the debt with him, than getting me to a supervisor. It seems as if they are a collection agency chop-shop, instead of a professional collection office. I have a family member that actually worked at the company previous and told me that ALL representatives could have been a lot more reasonable.
Product: Payday loan, title loan, or personal loan

XXXX XXXX offered financing through Ally Bank in the amount of {$2500.00} for 4 sessions of XXXX  within a 6 month period. After filling out an interest form online on XX/XX/2022, I received a phone call and virtual consultation within minutes. A brief description of services and the contract was given before scheduling my sessions for XXXX and XXXX. I was informed that I would not be binded to the agreement should any medical conditions deem me an inappropriate candidate for the XXXX services. 

Two weeks after my consultation, my partner and I decided that we would start family planning. My need and ability to receive XXXX  changed. I called to cancel my loan with Ally bank in XXXX and cancelled my XXXX  appointments. Ally Bank agreed to cancel the loan and informed me that I would receive notification in the mail. Over the next few months, I would continue to receive past due notices from Ally Bank. In XXXX, I inquired with Ally Bank as to why the notices were continuing despite cancellation. Ally Bank initiated a dispute with XXXX XXXX. XXXX XXXX contacted me in regard to the dispute and stated that they could not refund Ally Bank therefore forcing me into a loan agreement for services I have not and can not receive. 

Per XXXX XXXX contract, " XXXX  services are not recommended for : ( a ) Any female who is pregnant, may become pregnant, or is lactating ; ''. XXXX XXXX states that " 4. [ Ideal Image ] may also terminate the Agreement at any time and for any reason and [ they ] will then refund you if [ their ] medical director in his/her sole discretion determines that you are not an appropriate candidate to receive treatment services as follows : 1 ) If treatment services have not yet been performed, you will receive a full refund in the amount of the total service fee price received, less {$100.00} ; '' Despite not being an " appropriate candidate to receive treatment '' as a " female who is pregnant, may become pregnant, or is lactating : '', and the agreement of Ally Bank to cancel my loan for services not rendered, Ideal Image has refused to refund Ally Bank and hinders the cancellation of the loan. 

In addition, XXXX XXXX image is unable to provide the services within the stated service agreement timeframe of 6 months due to my ineligibility per the agreement. 

The loan is reflecting over 90 days past due and will negatively affect my credit standing for services that I am ineligible to receive for a service agreement that XXXX XXXX is unable to provide per that contracted terms.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I discovered inaccurate accounts listed, and Im utterly confused about why theyre there. I usually monitor my credit report, and its always been fine until now. I refreshed my browser multiple times, hoping it was just a glitch, but the errors didnt disappear. Im begging for your help to look into the documents I provided and fix this issue so I can stop worrying.
Product: Debt collection

Checked my credit score via XXXX  XXXX XXXX and XXXX XXXX   observed DROPPED from score of 800+ in XX/XX/XXXX to ~710 range XXXX until current date XX/XX/XXXX. My score has been above 800+ for over 10 years prior to this mishap. 

XXXX XXXX  have incorrect mailing address for invoice, I never saw or received electricity bill for this rental unit ( I have many with XXXX ).  Since XXXX XXXX  was never paid for the outstanding amount of {$120.00} power used before unit rented again, the bill to XXXX XXXX  went into arrears ( me not paying ). I phone XXXX XXXX immediately after seeing my credit history drop and payed XXXX directly rather than HELVEY BUT since it was not paid the bill was also passed to : HELVEY and ASSOCIATES XXXX XXXX XXXX  XXXX XXXX, IN XXXX XXXX I talked to many HELVEY Reps and asked why I did not receive an invoice from XXXX or them advising that this bill was in arrears. HELVEY nor XXXX NEVER Sent an invoice advising that the bill had not been paid and was overdue. I only discovered by looking at my credit score. 

HELVEY got the invoice from XXXX and notified credit agencies to impact my credit score with NO Request for payment from me. When I contacted HELVEY ( after seeing their name on my credit file ) I provided my PO Box to ensure all future correspondence sent to the correct address and get my credit score mess resolved. ***** They now claim they sent everything to this PO Box prior to notifying credit agencies ( I say XXXX  they never had correct address ). Nothing from HELVEY or XXXX was sent to my PO Box address, or email of file or phone call performed. **** HELVEY >>> Notifies the credit agencies and drop customer credit scores rather than hunt me down for {$120.00}. Essentially they just sit and wait until ANY customer needs to get mortgage or car purchase which in my case is what happened THEN ... .They will get paid eventually. I contacted HELVEY today XX/XX/XXXX, It is now seven months later and I still see my credit score at XXXX with XXXX, HELVEY has not fixed this also. Equifax I put a dispute in XXXX XXXX. My FICO score is XXXX since XX/XX/XXXX. XXXX  is still a mess all because no one made the effort to contact me. Nothing goes missing from my PO Box . HELVEY never sent a first notice, second letter, email or call, they just notified credit bureaus and sit and wait till get paid eventually but destroy customer credit history in process. They picked the work person to XXXX XXXX  nor is this the legal way to collect payment. 

*******They claim they sent a notice to my PO Box that they never had originally until I contacted them and asked why they had lien on me for {$120.00}! Where is the content of those letters from them and what dates were they sent!! Compare to the date XXXX sent my {$120.00} bill to HELVEY and the date collection agencies notified by HELVEY ******** My 800+ credit score went to just barely above 700 after they dinged me. HUGE impact on my car loan application after this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX, XXXX and XX/XX/XXXX CHECK INTO CASH add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

My mortgage was transferred from The Money Source in XX/XX/XXXX. I was informed by the XXXX XXXX XXXX XXXX that my taxes not paid and sold. I went to the XXXX  XXXX  to find out what was going on since Ive always paid my taxes and insurance through escrow ; they shouldve been paid. I was informed that XXXX mortgage company paid the taxes late and XXXX XXXX sent the tax payment back to the XXXX mortgage company during this time I was transferred to XXXX XXXX. XXXX XXXX  claimed to have paid the taxes that were never paid during the month of XX/XX/XXXX. XXXX mortgage claimed they also paid the taxes. XXXX XXXX  claimed that my mortgage increased tremendously because they had to pay taxes that were never paid. XXXX XXXX  received a balance for the taxes in XX/XX/XXXX. I was informed of this after they exclaimed my mortgage increased {$800.00} due to an increase in taxes and insurance. I spoke with several people in the tax department for XXXX and XXXX. XXXX then claimed that my escrow account was short due to delinquent taxes. Ive communicated with both companies and was told several different things since XX/XX/XXXX. XXXX XXXX  says that they found some of the money missing in my mortgage account, decreased my mortgage from {$1700.00} to {$2600.00} in XX/XX/XXXX, to {$2300.00} XX/XX/XXXX, now to {$2100.00} XX/XX/XXXX. XXXX Mortgage company stated that they sent both my escrow balance of {$3700.00} to XXXX XXXX  in XX/XX/XXXX and the unpaid tax check in XX/XX/XXXX. After XXXX XXXX  admitted to receiving the tax refund, they exclaimed that they would be resolving the missing escrow check with XXXX. I later contacted XXXX XXXX  myself, they stated that they would re-issue the escrow check to XXXX and that XXXX should have it no later than 7 10 days. XXXX XXXX  later contacted me stating that XXXX is claiming I had a negative escrow balance which still makes my escrow account short. I have never not paid into my escrow account. XXXX and XXXX  XXXX  have not resolved nor located the missing {$3700.00} from my escrow account. Each time I call I am told something different. I am now paying an additional {$400.00} a month due to their lack of competence. They stole my escrow and is refusing to give it back.
Product: Credit card

XX/XX/year> : Unauthorized purchase of {$990.00} was made to XXXX. I reached out to both XXXX and Wells Fargo to let them know the purchase was unauthorized. Wells Fargo told me they will investigate and to follow up in 3 days. 

XX/XX/year> : XXXX got back to me with the response Hi, Our records show that your question has already been resolved. 

XX/XX/year> : I reached out to Wells Fargo to follow up on my claim. My claim was denied due to them believing the purchase was made by an authorized user, which is not true. 

XX/XX/year> : Filed my first CFPB complaint hoping to get a resolution XX/XX/year> : Received a call from Wells Fargo Executive Branch to be informed they are working on my way and are going to send over my files to claims department XX/XX/year> : Received a call to be informed once again that my claim was denied one again due to this purchased being authorized my be or someone I may know. Therefore filing another CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose This issue was not only NOT resolved but there was no evidence of a thorough investigation as well as credible references. This company is extremely untrustworthy. They have over XXXX disputes against them.
Product: Credit reporting or other personal consumer reports

This request is being sent because of incorrect personal information showing up on my consumer credit report. Please see the correct information attached to this complaint.
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 XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 items of information, other than records of convictions of crime 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 the information is inaccurate.
Product: Debt collection

This company hit my credit report with a collections on XX/XX/XXXX. They did this without ever talking to me directly and verifying who I am, and they did this without validating and proving the debt as mine. They say I owe {$570.00} to XXXX XXXX because apparently I opened an account XX/XX/2023 ( that's what they put on my credit report ) even though I've been using XXXX XXXXXXXX XXXX for over a year. Why would I open a second electricity account when my first one has always been in good standing? This account is either 1. ) not mine or 2. ) reported with inaccurate or incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Warning to Remove All Incorrect Items from my Credit Report ASAP!!!!!! 
I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Product: Debt collection

I called Portfolio Recovery Services to attempt to settle a debt. They informed me that I already had judgements filed against me in a state that I haven't lived in since 2010. I also question the amount of the original debt. The operator on the phone was unable to see who signed the certified letter that received the documents that summoned me to court on both cases. I do not know why they sued me in a state I haven't lived in for a decade. I did not have a fair opportunity to respond to either suit and was unaware of it even happening until I called them to settle the debt.
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 ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

My wife and I relocated to XXXX, Colorado in early XXXX this year. We submitted an offer on a house in XXXX XXXX and started the process of mortgaging it through Bank of the West. When the mortgage seemed to stall, I asked why and was told the appraiser issued a statement that the house we selected was so remote and surrounded by mountains that there could not possibly be a comparable. Strangely, the house is located within the XXXX city limits. After the appraiser made that statement, the bank selected another appraiser, who showed up to look at the house the evening she was selected and then went dark. The bank told me that because of federal law, they are unable to speak to the appraiser and therefore were unable to determine when the appraisal would be complete. The delay resulted in the bank telling me they were unable to close on the date near the end of XXXX, XXXX originally selected. They pushed the closing to XXXX XXXX, but told me they had no way of knowing whether they would be able to close on that date either. As an alternative, the bank recommended that I pull sufficient funds to pay cash for the house from my IRA and then proceed with the refinance process, which would be at a higher interest rate. I said I would wait a few more days, but if I had no alternative to using IRA funds, I would pursue the remortgage process through another bank. On XXXX XXXX or XXXX, we closed on the house using cash from my IRA. I immediately pursued a refinance through another bank. They selected a new appraiser who came to the house a couple days after we started the refinance process. He warned us that he did not think the house was worth what we paid for it. When the appraisal came back, the value was {$19000.00} less than we paid for the house. I called Bank of the West and our realtor and told each of them my greatest fear in closing on a house without an appraisal in hand came true. We had to come up with an additional {$19000.00} to close on the house in order ensure we had 20 % down on the house. If this experience was related to requirements of the Dodd Frank Act as I was told by the bank, I am very disappointed because it means we were punished by federal law rather than protected by it. If, on the other hand, Bank of the West did not do what it should have done to ensure our loan closed on time, I believe this situation needs to be checked into. If the problem is related to issues with appraisers in Colorado, I would like to have that checked into. I have owned several houses in different states and have never had an experience even approaching this one.