23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXX Account Number:4270 has violated my rights. Or a list of inquiries : 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: Debt collection

I am filing this dispute in response to Ad Astra providing FALSE information to the Consumer Financial Protection Bureau on complaint XXXX dated XXXX2017, For 4 years I have disputed Ad Astras right to report and collect alleged debt. For 4 years Ad Astra has falsified dates. For 4 years XXXX has allowed Ad Astra to report and has not properly investigated dispute. XXXX and XXXX do NOT report only XXXX. I have ATTACHED a letter with a timeline and with proof of the inaccurate dates.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found fraudulent accounts. Please remove these accounts from my credit report, as they negatively affect the ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number : XXXX I am not liable for this debt with MAS Financial Services, I do not have a contract with MAS Financial Services, they did not provide me with the original contract as i requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Experian sent XXXX XXXX XXXX a hard inquiry credit report on me that was not requested by me. It was a fraudster applying for a credit card in my name and address. They also submitted a Change of Address form to USPS and I called and disputed the COA with the Post office as well as submitted an on line dispute. I contacted XXXX and had them cancel the application, account and unlimited cash credit cards. Also, I put alerts on the 3 credit companies and locked and froze my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Services XX/XX/XXXXXXXX XXXX XXXX XXXX  is also not my account the others were hard inquiries that I did not authorize or apply to any cards
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 received letter saying verified account. The account is closed and charged off, but still reporting on my report. The company is XXXX XXXX XXXX XXXX  and XXXX XXXX  which sold the account to XXXX and ALL are reporting.
Product: Debt collection

In XX/XX/XXXX of this year I paid {$70.00} to XXXX XXXX  Hospital for services received. I subsequently received calls from them in XX/XX/XXXX requesting payment again for the same amount. I provided proof of payment to two different individuals when they called. On the second call I received acknowledgement from the representative that the bill was indeed paid and heard nothing further from XXXX XXXX Hospital. In XX/XX/XXXX I received several calls from a company called Aargon, XXXX XXXX XXXX XXXX, XXXX XXXX Nevada XXXX, purporting to be collecting for the same debt that had been previously paid. I explained the situation verbally and then finally via email on XX/XX/XXXX with proof of payment attached. I warned in that email that continued harassment would be reported to the appropriate authorities. This morning I received yet another harassing phone call from Aargon for the same debt. I explained that the issue had been resolved and referenced my email of XX/XX/XXXX. The representative XXXX ( would not provide last name ) stated " we have not received such an email '' and insisted that the payment was still outstanding. She provided another contact email which I have forwarded the earlier correspondence to in response to her call. I am happy to provide any and all reference materials in support of my case but request assistance to stop this undue harassment.
Product: Credit card

On Tuesday XXXX i woke up to see a XXXX transaction on my account i immediately contacted my bank cancel my cards and submitted a dispute a week later I received an email saying my dispute was denied after talking with customer service they asked for more information I sent XXXX different emails from the company that appeared for the transaction the emails told me to contact my bank and ask them to dispute the transaction because XXXX cant tell me what account my card was used for and it wasnt mine because I pay only XXXX for prepaid XXXX XXXX and the money wasnt applied to my account my bank denied it so I filed a police report submitted more information and they denied me again actually they denied me 8 times Im on XXXX XXXX and Im behind in my bills because of this
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX, Equifax, and XXXX a dispute about some inquiries that I never authorized and are currently reflecting on my report. I have no business with these companies and have not applied for any credit with them. They have yet to process my request and have ignored it.
Product: Credit card or prepaid card

Received yesterday an XXXX of XXXX XXXX  XXXX card and activated it at MyPrepaidCenter.com. Its value is {$100.00}. After registering, I attempted to make a purchase on XXXX, which is listed as one of the stores where the card is accepted. The attempted purchase amount was {$50.00}, but the transaction was declined. I thought I may have typed in the number wrong, so I tried again, but it was declined again. I attempted to contact MyPrepaidCenter, but the automatic response system does not give me access to a person. Finally, after just one hour of this, I noted my balance was {$97.00} with no transactions noted?
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported me 30 days late in XXXX/XX/XX/2020. I contacted the company about the credit reporting of 30 days late. They informed me that they never reported me 30 days late. Despite them denying the fact that they reported me 30 days late in XXXX /XX/XX/2020, my credit report still reflects 30 days late in XXXX/ XX/XX/2020. Also, I filled out a credit dispute on the 30 days late with XXXX, Equifax, and XXXX. My credit reports reflect that dispute was resolved, yet I still have 30 days past due showing on my credit report for XXXX/XX/XX/2020. This issue never was resolved. 
My credit score dropped over 60 points from this misreporting/ error on my credit report. I'm suffering greatly from this misreporting and have been denied for car refinance loan and debt consolidation loan due because the 30 days past due and my credit score dropping over 60 points. Lastly, I contacted XXXX in XXXX and XX/XX/2020 via phone and letter. I never received any correspondence from the letter to XXXX at all.
Product: Money transfer, virtual currency, or money service

This letter is in reference to a Chase bank XXXX XXXX on XXXX XX/XX/XXXX of XXXX. 
The amount scammed from us was {$140000.00}. 

Our XXXX account wasnt working.and my wife did a XXXX search to find a customer service number to call. She found one which, of course, turned out to be a sham. The rep explained what was happening and promised her an immediate refund of {$100.00} for our troubles. Of course, he had to have access to our account to rectify the situation and make sure XXXX was providing excellent customer service. It was at that point that it looked like the rep made a huge mistake and seemingly credited our checking account an additional {$100000.00}. The rep pleaded with us to help him get the companys money back. Thats when the fast talking started. I will lose my job. My children on XXXXhe street. You will be arrested, fined 10 % Your credit will be ruined. I have friends who live in your area. They will pay you a visit. 
The rep put his immediate supervisor on the line and told us how a simple wire transfer was all that was needed to transfer the money back. Mind you, we were looking at our account that seemingly showed that extra dollar amount. 
Foolishly, we were his participating victims and went ahead with the transfer. 
However, the scammers got some additional help from XXXX who made it all too easy for the transfer to be made. 

The scammer informed me that I would have to answer a couple of questions from the fraud department. He told me that they would sound just like him because some XXXX employees were working with him and would make things harder for me if I didnt cooperate. The employees that I talked to did sound like the perpetrator and were all too complacent with my answers to their queries. They readily accepted whatever I had to say just as predicted. No attempt to freeze my account was ever mentioned. No personal call from a fraud expert was scheduled. 

Does XXXX not have red flags on large wire transfers to that particular bank in XXXXy XXXX? Has this not happened before? Are there not previous case histories of fraud that would alert a competent fraud department? Would someone not notice that a personal bank account with no history of sending huge wire transfers suddenly sends one? Would that not spark an immediate inquest? 

I received from someone in the XXXXXXXX XXXX  office, but apparently by then it was too late. My account was frozen over the weekend, but the transfers went out seemingly in a routine manner. 

We have reported this incident to the local police, filled out the online FBI elder abuse form, and pleaded with the fraud department of XXXX for help. 

XXXX 's fraud department reported that they were sorry but would not be able to help us out.I can not fashion the thought that a monster in the financial/banking industry like XXXX just XXXX over and cant help loyal customers. 

i need help. 
Im providing you with the XXXX case file reference # s. If you have any other questions, please ask. Hopefully, youll help us find a way out of this morass. 
*Case Reference # XXXX XXXX XXXXXXXX * Case Reference # XXXX XXXX XXXXXXXX
Product: Debt collection

Received a call from collections to my home phone where the information of alleged debt ( amount, dates acquired, etc ) were discussed with someone other than me.
Product: Credit card or prepaid card

On XX/XX/2020 @ approximately XXXX, my EIP was deposited into my cashapp account bringing my overall balance to {$610.00}. I went back into my cashapp account around XXXX to find that there was only {$85.00} Remaining in my account. I had not even left my house that day, let alone make any sizable purchases. I tried contacting cashapp numerous times through email, to no avail. They don't have a phone number that you can call. So its like someone took this money and I'm just out of my {$600.00} EIP. Any assistance you can give will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Debt Collection Practices Act, or FDCPA, prohibits debt XXXX from making false and misleading representations when collecting a debt. After submitting XXXX dispute letters concerning false, and incorrect addresses being placed on my credit report EXPERIAN credit bureau has refused to remove/delete the incorrect address. 

The incorrect address that's being reported is XXXX XXXX XXXX, XXXX, FL XXXX. I have never lived at this location and have no knowledge of this address, but the agency refuses to delete the address in question. 

The reason for EXPERIAN not removing the address is that it's linked to accounts on my credit report that don't belong to me. I explained to them on several occasions that an incorrect address linked to a negative account doesn't make me the owner of that fabulous debt that's being reported. As a XXXX military veteran, my personal information has been stolen serval times while traveling overseas and during the course of serving and protecting this great country. 

I have mailed EXPERIAN several certified letters addressing this FDCPA violation and they refuse to govern themselves accordingly to the laws put in place to protect the consumers from reporting inaccurate information.
Product: Debt collection

Okay I'm going to start out with Mom banking account with Current Online Banking. Twice this year someone has been able to log in to my account and wipe my monthly XXXX check out twice also happened early this month. Also few months ago someone sent Social Security Administration a letter stating that I have changed my banking information which I did not do after Social Security look it up they said it was electronically done through my bank. I called current and they said that they did not do it. Now after signing up with XXXX XXXX they just sent me a statement stating that my credit had dropped so I looked on it and there are a couple loans that I did not do. 

Update : Partial of my XXXX check was taken in three transactions ; XXXX XXXX XXXX XXXX XXXX XXXX My entire XXXX check has been taken in two transactions, XXXX $ and XXXX XXXX which only left about XXXX $ in the account.
Product: Mortgage

We contacted the mortgage servicing company when the loan was a couple of months in default, where we requested to make payment and the company refused to take the partial default payment at the time. We then applied for a modification and was declined. 

Over the past couple of months, we have been in contact with the mortgage company and repeated requests for a modification to be told no. Recently, the servicing company had a representative come to the residence to confirm that the house was still occupied. In the many communications with the mortgage company, they were told each time that we are living in the residence and do not plan to move as our goal is to prevent foreclosure and set up an arrangement. The reason for the default was due to unpaid services for work performed. At the time of the modification application, my spouse 's income was steady. Now, there is a reduction of income. However, when we attempted to reapply for the modification, it was not reviewed but automatically declined. 

In XXXXXXXX XXXX  and again today the servicing company had a representative come to our home to confirm that the address was occupied and he gave personal information to a third party who has nothing to do with the loan or residence. The representative handed the third party a door hanger that stated among other things that " This communication from a debt collector is an attempt to collect a debt and any information obtained will be used for that purpose. ''
Product: Checking or savings account

My friend sent me {$200.00} via XXXX on XX/XX/22. I have not used XXXX in a while so I had to delete my old debit card and tried to link my new one. It said it was linked to another account. I only have 1 acct. I kept getting that message, so I XXXX XXXX XXXX telephone no. The number I called was XXXX. They guy said he was XXXX with XXXX. He said he would help me get my account fixed and card linked. I was on the phone with this person for 3.5 hours. We hung up at one point, and he called me back from XXXX. During this duration, he say he could not get it to work with my debit card and instructed me to purchase a XXXX XXXX card. I ended up purchasing XXXX of these in the XXXX hour period. I could see the money going into my bank account, so I thought it was legit. At the end of the XXXX hours, my XXXX account was down to {$2.00} from {$200.00}, and {$1100.00} was taken from my bank account. {$900.00} was from the XXXX XXXX XXXX card transactions and {$190.00} was a XXXX transaction. I have never used XXXX in my life! The XXXX transaction was done completely by the scammer. He had accessed my email, XXXX account, bank account, and even got my driver 's license. I filed a claim with Truist and was denied because I had done the transactions. I have since canceled my debit card, ordered a new one, and changed all passwords. This is the first time this sort of thing has happened to me. it was all part of the scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with experience credit bureau. Several things have been deleted as inaccurate but are now on there as collection accounts. I recently applied for credit and they told the company Im deceased. My mother and my reports are somehow combined shes deceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Reporting act

XXXX Account, 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: Debt collection

Apartment complex is saying I owe them money, and I owe them nothing. I contacted the collection company asking them to validate the debt. They sent proof I stayed there not proof I owe them anything
Product: Debt collection

I preface this by conceding that that automated selections during the complaint process may not be exact to this issue, but perhaps best represent my concerns. 

- On XX/XX/18, I purchased four ( 4 ) tickets for the XX/XX/18 XXXX XXXX concert at XXXX XXXX for an all-in cost of {$690.00}. Subsequently, it was decided that we would not be able to use these tickets ; and so we listed the tickets for sale, ultimately at a loss. 
- The night before the concert ( XX/XX/18 ), we received an inquiry regarding the four ( 4 ) tickets, and agreed via text message ( with buyer at XXXX ) to sell for {$500.00} ( {$120.00} per ticket ). Funds were received ( {$510.00} gross sent ; {$490.00} net received ) via XXXX and tickets were sent to the email address provided ( XXXX ). 
- Nearly two weeks after the transaction, the buyer disputed the charges through their financial institution, which disputed with XXXX. XXXX deducted {$530.00} from our XXXX account ( {$510.00} + {$20.00} penalty ; thus, charging us also for the fees previously paid by the buyer ). 
- Upon notification, we provided evidence of the text messages and copy of the sent email to XXXX. On XX/XX/18, XXXX notified us that they would dispute with the buyers financial institution on our behalf, a process that could take up to 75 days. 
- While still within the 75-day timeline ( which ends XX/XX/18 ), we received a letter from American Coradius International LLC, dated XX/XX/18, that XXXX sent our balance to collections. We never received notification from XXXX that our account would be sent to collections ; and this remains in open dispute as confirmed via telephone with XXXX on XX/XX/18. 
- More detailed outline is provided further below.
Product: Credit reporting or other personal consumer reports

I'm tired of going back & forth with this company & the business who keeps reporting inaccurate information. There's laws in place that requires these people to handle disputes in a timely fashion & it's been over XXXX months & they've still not done the job or did it properly. I have now paid the account in FULL & they're still adding charges! I would like my balance updated to PAID IN FULL & DELETED FROM MY CREDIT PROFILE
Product: Credit reporting

There are unauthorized inquiries on my credit report for whom I have requested to be deleted or removed. However, they still remain on my credit report.
Product: Debt collection

upon checking my credit report as I do very often, noticed Convergent outsourcing reported a collection 3 times and unpaid account 2 times for a XXXX account. I have not had a XXXX account in over 10 years and i do not owe them any money either. There is no XXXX collection. I disputed through XXXX. Convergent has reported collection account again and is unable to provide any proof of a balance. Now i am receiving letters to pay a debt that not only is dead but far exceeds the statute of limitations.
Product: Credit card

Used the Apple credit card to make an in store pick up purchase of {$160.00}. The card offers a Daily Cash bonus each time you use the card. A Daily Cash was added to my in the account of {$4.00}. Item was not picked up so it was returned and the {$160.00} was adjusted however the Daily Cash was not. I ordered the item again and picked it up. I had to return it because it was defective. Again I was charged {$160.00} and another Daily Cash was added of {$4.00}. Apple refunded the {$160.00} for the defective merchandise. I called and was confirmed that the Daily Cash is a credit yet Im being charged to pay this. Customer service only refunded one Daily Cash even though item was returned AND it should never be on the account as a charge, it should show as a credit. I asked for a Supervisor and again nothing has been resolved. The account should have a XXXX balance I should not be charged for a Daily Cash bonus. This seems fraudulent and needs to be reviewed.
Product: Debt collection

This is a formal complaint against XXXX XXXX XXXX located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX  and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.