23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received no notification from the collector of this debt prior to the collector placing the account on my credit report. Despite being legally obligated, the collector failed to provide any sort of Dunning Letter, violating my right to dispute the debt within thirty days as guaranteed to me under the Fair Credit Reporting Act. To the best of my knowledge, I do not owe the original creditor any money, as they granted me financial assistance covering all medical bills accrued with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUFAX AGAIN HAS FAILED TO REMOVE A COLLECTION FRAUDULENT ACCOUNT AFTER MORE THAN 93 DAYS, THEY HAVE A DEALWITH AGENCY TO STAY PUT. ALL OTHERS DELETED OVER 78 DAYS AGO. THE COLLECTION ACCOUNT IS XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX an unauthorized amount of {$45.00} was sent to a recipient not known. A refund to the recipient was requested immediately when I noticed the amount in my account. I reached out to Cash App to resolve this issue the business claimed I had authorized the transaction, and nothing could be done, that I should reach out to the recipient. I explained it was a fraudulent account for Cash App to investigate the user, how was I supposed to reach out to a recipient I do not know. Cash App support team did not assist with the issue and allows fraud/theft to happen in their business.
Product: Credit card or prepaid card

In XXXX of 2021, I made a purchase from XXXXXXXX XXXX XXXX XXXX using my DISCOVER Card. One item from that purchase was a Water Pump for my car. I received the Pump and had it installed. 

During a routine visit to my mechanic in XXXX, he mentioned that my Water Pump was leaking. I was shocked because this was the new item I had installed. It failed after only a few months. On top of that, installing a Water Pump is an EXPENSIVE undertaking. 

I contacted XXXX '' XXXX and explained the issue AND OFFERED TO BUY A NEW WATER PUMP, HAVE IT INSTALLED, AND RETURN THE DEFECTIVE ONE. 

The Agent REFUSED to do that. He insisted that I return the Defective Pump to be repaired and placed back into my vehicle.

There would have been several problems with this.

1 ) I do not want a Damaged and Repaired item put into my car for fear it may fail again 2 ) The car can not run without a water pump. So if my mechanic removed the water pump for me to return to XXXXXXXX XXXX, I could not drive the car home and I could not leave it there. No : I was not going to pay {$120.00} to have my car towed home and then another {$120.00} to have my car towed back to the mechanic when this " repaired '' water pump was sent back. 

3 ) How do I get around with non operational car? 

So, I called DISCOVER, put the purchase in dispute, purchased a water pump from a better Competitor to XXXXXXXX XXXX and had it installed. 

AFTER I purchased the water pump from another distributor AND HAD IT INSTALLED< an agent from XXXXXXXX XXXX contacted me and said she was goign to send me a water pump. I TOLD ER NOT TO. THE JOB WAS ALREADY DONE. She sent it anyway. 

Upon receiving it, I called and told her to send me a mailing label to take it back. I was not going to ship it back at my expense because shipping something this heavy would easily cost me {$30.00} or more WHEN I EXPRESSLY STATED TO NOT SHIP IT!! 

DISCOVER KEEPS DECDING IN XXXXXXXX XXXX FAVOR REGARDING MY DISPUTE BECAUSE XXXXXXXX XXXX SENT ME AWATER PUMP! 

This Water Pump is of NO USE to me. One has already been installed -- at considerable expense. I also told XXXX XXXX to send me a shipping label to send this back, because I was not going to spend {$30.00} of my money to ship it back when I told them not to send it. 

XXXX XXXX sold me a defective Water Pump and refused to take the defective one back for a refund. 

DISCOVER claims I have two Water Pumps from XXXX 'S. I fdo not. I have a defective one which is of no use, and I have the one they sent THAT IS SAID DO OT SEND. 

I want this amount credited to my account. This should not be judged in XXXXXXXX XXXX favor. They have inconvenienced me and caused me to do an expensive job TWICE because of their low-quality merchandise.
Product: Checking or savings account

I received a letter from the executive office from CHASE BANK, dated XX/XX/2020. 
The letter is a complete fantasy providing creative statements supporting their view of my purchase of XXXX products and the quantity of bottles ordered. 

Item # 1 Letter from Executive Office Item # 2 Sample XXXX with offer of sample bottle I pay {$6.00} shipping. 

During my conversations with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, starting XX/XX/2020, they tried to convince me that I ordered with a card ( 8 ) eight bottles of KETO product. Also known as XXXX XXXX XXXX. My offer to return the unopened bottles was refused. 

I never authorized the use of my DEBIT card over the maximum of {$7.00}. 

I disagree with the rest of the letter making false statements. 

Item # XXXX XX/XX/2020 My letter ( email ) to XXXX, complaint about their misleading advertisement and my intent to purchase sample bottle with only cost of {$7.00} for shipping. 

Today I called XXXXXXXX XXXX XXXX at XXXX XXXX Customer Care Support. I received this phone from XXXX XXXX from my calls in XXXX. 

The representative stated, if my claim of unauthorized use of my debit card was supported by CHASE, they would charge back the {$250.00} and return my money. 

I was told that the corporate company for the XXXX products is XXXX XXXX XXXX. Registered under XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 

CHASE could have charged back my full amount of {$250.00} and returned the full amount to my account. So far CHASE refused my claim and charged back MY checking account for the temporary amount of {$210.00}. 

I request that you continue to investigate XXXX XXXX XXXX at XXXX XXXX XXXX in Utah. Requesting the return of my {$250.00} and reimburse all fees charged by CHASE bank.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting failing to comply to 15 USC 1692 ( g ) inaccurate and incomplete credit information.

I disputed these inaccurate items over 30 days ago and your agency failed to notate that it was disputed which makes your agency in violation of 15 USC 1681s-2 ( 3 ) 1.FDCPA Sec 807 Misleading False Reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. FDCPA Sec 807 Misleading False Reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef Account name : XXXX  Account Number : XXXX Please investigate and delete from my credit report. 


4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef Account name XXXX  Account Number : XXXX Please investigate and delete from my credit report.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. My personal information was stolen and compromised. 
This is in clear violation of my Fair Credit Reporting Act ( FCRA ). 
I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report.
Product: Debt collection

Dear Sirs I would truly like your help. In the year XX/XX/XXXX I filed for Bankruptcy. The judge told me in my first hearing that I was not to pay any bills going forward. The court, trustee and attorney fees took priority etc. I had a check from a PAY DAY loan and I asked about that as well and was told that NOTHING was to be paid. 

I was discharged in Bankruptcy Court on XX/XX/XXXX. From the beginning I notified every creditor that I had filed Bankruptcy including the Pay Day Loan people. 

XXXX XXXX continues to try to debit the money from the check the last being this week causing me overdraft fees of almost {$30.00} I am the sole support for my XXXX XXXX   daughter and XXXX grandchildren under the age of XXXX years old. The fees are devastating and should XXXX XXXX be able to take that {$300.00} now after almost two years it would be devastating and put me in a homeless situation. 

Please advise me as to what I can do to stop this terrorizing from this VENDOR. 

Best regards, XXXX ( XXXX ) XXXX Each time a man stands up for an ideal, or acts to improve the lot of others, or strikes out against injustice, he sends forth a tiny ripple of hope, and those ripples build a current which can sweep down the mightiest walls of oppression and resistance. XXXX XXXX -- -- - Forwarded Message -- -- - From : XXXX XXXX <XXXX> To : XXXX <XXXX> Sent : Wednesday, XX/XX/XXXX, XXXX XXXX PDT Subject : XXXX XXXX Fw : Important ACH Notice Good evening, I just sent an email to your company concerning my account. I filed for BANKRUPCTY mid to late XX/XX/XXXX and my BANKRUPTCY was cleared in XX/XX/XXXX. It included the checks written to your company however you are still trying to take the money out of my account which is causing me overdraft fees as you can this is the latest. I never EVER authorized auto deduction from my account. Why are you continuing to try to ROB my account of monies cleared through my BANKRUPTCY almost two years later and causing me stress, anguish and money I do not have. 

XX/XX/XXXX IMPORTANT ACH Overdraft Notice PHONE INQUIRIES TO : XXXX XXXX ( XXXX ) Account : XXXX Transactions posted on : XX/XX/XXXX Dear XXXX XXXX XXXX , The following ACH debit items were returned : Description Item # Amount Reason XXXX XXXX ( EDI PYMNTS ) XXXX {$300.00} NSF The following fees were charged to your account : Amount Type {$29.00} RETURNS 1 @ {$29.00}
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding my credit with your institution. Upon reviewing my records, I discovered several items that do not belong to me. This discovery leads me to believe that my identity may have been compromised. According to section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated by law that any items found to be opened due to identity theft must be promptly removed from my credit report. As such, I am formally requesting the removal of these erroneous items from my credit report. Furthermore, I want to emphasize the importance of your compliance with the FCRA regulations. If there is any possibility that these disputed items belong to me, I insist on receiving all documentation that bears my signature. According to my research, it is your responsibility to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable. I trust that you will handle this matter promptly and in accordance with the law. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX Balance {$360.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$3400.00} XXXX XXXXXXXX XXXX XXXX Balance {$1100.00} XXXX, XXXX XXXX Balance : {$48.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a letter to Equifax with a copy of my V irginia Drivers License, a  copy of my Social Security Card and a copy of a current bill showing my current address. I asked Equifax to send me a copy of my credit report as l received adverse action in relation for applying for a loan, i asked them to send me a copy based on this, also they can see the inquirers on my credit report file with Equifax. They sent me a letter dated  XXXX   XXXX ,  2017  stating l must pay {$11.00} for the report, when i specifically stated to them in my letter l was requesting it based on adverse action. Under the FTC.GOV federal government web page l am entitled to a credit report if adverse action was taken against me. Here is the statement from the FTC.GOV webpage : " Under federal law, youre entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action '' So l am requesting your help in having Equifax send me a paper copy of my report as state by  Federal Law.      Thank You  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called 3 times now to dispute my credit not being reported after 13 monthly payments being paid on time. The first time I called them was on XX/XX/XXXX and was told to that it would be taken care of. Then I proceeded to call them back XX/XX/XXXX because the problem wasn't resolved and was told to call them back on XXXX XXXX proceeded to call them back on XX/XX/XXXX and nothing was done.
Product: Checking or savings account

I filed a dispute, case number XXXX on unauthorized transactions that were not made by me nor did I give permission for anyone else to make the transactions. This dispute was in regards to the following transactions : XX/XX/2023 @ XXXX XXXX  for {$750.00} XX/XX/2023 @ XXXX XXXX  for {$120.00} XX/XX/2023 @ XXXX XXXX  for {$300.00} I previously tried to file this dispute however I was unable to through the automated system and was directed to contact customer support. However at that time cash app had an outage and was not working properly and as a result the original dispute did not go through. Upon contacting support and speaking with a representative I explained what had taken place in detail and was assured by the representative that they would work diligently to get me my money back. I explained that the transactions in questions were completed by someone I work closely with and who had access to my phone. I did not authorize the use of my phone to anyone nor did I authorize anyone to make the transactions in question nor did I make the transactions. Essentially what had happened was that this person gained access to my account and sent unauthorized payments to himself from my account. Rather than doing the right thing and return my money as promised Cash app denied my dispute in less than 24 hours stating that they found no errors in the transactions and they have as a result denied my claim. {$1400.00} was stolen from me and they just denied it saying they believed it was authorized. I explained to Cash app that under no circumstances were this transactions authorized by me but they simply don't care. I am supposed to be protected from theft and unauthorized transactions but I have now been victimized by both the person who gained access to my account and cash app. I took steps to secure my account and it still made no difference. I need my money back as I am a victim of fraud and theft. Please help me rectify this situation and get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of my XXXX XXXX XXXX accounts are older than XXXX XXXX XXXX from the date of the negative item. I have disputed this with all three credit bureaus but they have not deleted the closed account. The XXXX accounts need to be deleted asap because they have aged out.
Product: Student loan

MOHELA the commercial dot com company being used to service federal student loans, is sending out confusing and erroneous billings that are hap-hazard and erroneous. 

The education department has withheld payment to MOHELA ( see attachment ), due to the lack of accurate billing and the instantaneous defaulting errors. The problem however is much deeper than has been acknowledged. In their haste to respond, MOHELA did not apply IDR plans to the billing. And as such expose students to high potential of default. 

MOHELA is sending out billing statements that do not reflect any XXXX XXXX XXXX ( XXXX ) plan loan recipients adjusted billing. By not billing according to the established XXXX plans that loanees may have accepted, MOHELA is again creating the foundation for default. The reason students accepted the Income base repayment plan was because mathematically they could not afford payments on low incomes. MOHELA is ignoring the repayment plans and are billing full amount, increasing potential for defaults. 

My Loan ( s ) were put in IDR in years XXXX to Current. I also agreed to automatic recertification ( see attached ) which allows the Federal Government to review my tax filings each year and adjust my payment schedule amount according to my income. Loans from all years are bundled into a single payment which is based upon my Income. 

The Federal Government via the Education Department has notified MOHELA of the IDR but MOHELA has not acknowledge it in billing. Additionally, because MOHELA was delinquent in its billing I was forced to send a payment to the XXXX XXXX XXXX department for the Month of XX/XX/XXXX ( see attached ). Typically, the XXXX XXXX XXXX Department will forward any Payments within 30 days to Commercial Loan servicing companies like MOHELA, who has not sent any acknowledgement of the payment and how it was applied. 

In remedy, MOHELA should send billing according to the XXXX plans, which they have not done. All prior billing should be cancelled because of the error of the billing which did not apply the XXXX plans. Future billings should acknowledge the XXXX plans. No XXXX eligible for the repayment plan should be forced into default because of MOHELAs erroneous billing. 

APPLY ANY ESTABLISHED INCOME BASED REPAYMENT PLAN PRIOR TO SENDING OUT BILLING APPLY THE CURRENT SAVE REPAYMENT PLAN IF APPLICABLE PRIOR TO SENDING OUT BILLING. 
NO DELINQUENCY OR DEFAULT OF PAYMENT SHOULD BE RECOGNIZED UNTIL MOHELA CORRECTS AND UPDATES THE APPROPRIATE REPAYMENT PLAN INTO THE BILLS. 
UPDATE BILLING INFORMATION TO REFLECT THE PAYMENT ( XXXX ) MADE TO FEDERAL STUDENT LOAN ( SEE ATTACHED ) WHILE MOHELA STUMBLED TO BILLING CYCLE.
Product: Debt collection

We hired this debt collection company Debt Collections International, located in Florida apparently with telephone number XXXX to collect legal fees on behalf of our law firm, but all they did was : ( 1 ) not communicate with us effectively or at all ; ( 2 ) not tell us who they sent collections letters to or whom they called ; ( 3 ) violated the Fair Debt Collections Practices Act every chance they could ; ( 4 ) said they terminated our services in writing but we never received said termination ; ( 5 ) claimed that they only reached out to 4-5 debtors even though apparently one of my rogue employees sent them more than 50 accounts without my knowledge or permission ; ( 6 ) never communicated with me, the CEO, or even wrote me a letter, or even responded to my multiple emails in months. 

Please investigate and advise this mess of a company.
Product: Debt collection

I had an auto repossession on XX/XX/XXXX from XXXX XXXX XXXX due to my illness with XXXX XXXX. XXXX sold the account to Cavalry Portfolio SVCS. When I had my credit report pulled Cavalry Cavalry is reporting the date placed for collection as XX/XX/XXXX, which is not the original date the account was placed for collection. I disputed the date with XXXX, and Cavalry did not update the " date placed for collection '' which was in XX/XX/XXXX. I need this updated as soon as possible.
Product: Debt collection

I am filing a dispute on this collection that is not mine. I have contact XXXX to verify this and with all the information provided, XXXX has found no info pertaining to this. 

I also contact the collection agency which gave me some info, such as the address that this account is linked to. Address is link to business in XXXX, GA. Which I have nothing to do with. No business or I do not live anywhere near there.
Product: Mortgage

I was closing on the refinance New penn told us to close certain credit cards when we stating they didnt tell us we signed the initial documents and showing what was being paid off.New Penn double charged me for the appraisal fees when I provided proof showing that I paid my appraisal fee with different lender they still charged we were told that we are going get our money back.New penn financial should not have close credit accounts if the loan was not approved.This has been the worst experience applying for a loan they ask me provide divorce decree for something happened back in 2004 it doesnt have anything to do with current lender.They prolonged the closing date 3 times because they didnt verify documents. I am asking for my {$600.00} appraisal fee back, also the extra mo
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my TRANS UNION consumer report and noticed a fraudulent account reporting in collections from company name XXXX XXXX XXXX. I immediately called TRANS UNION to dispute the account and to obtain the account number since it was not present on the report. The Fair Credit Reporting Act, 15 USC 1681e reads - Compliance Procedures ( b ) Accuracy Of Reportreads, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. MAXIMUM POSSIBLE ACCURACY MAXIMUM IS 100 %. This account isn't accurate at all. I haven't been able to sleep great at night since seeing this account on my consumer report knowing it's not mine. I feel like I'm being taken advantage of and its stressing me out because I'm getting denied credit due to this account. I'm unable to live my best life because of this account. Furthermore when I called TRANS UNION, a male rep stated to me that he could not provide me with the account number to this collection account and that I can call the collection company to get the account number myself. I felt like that was very rude so I said no problem, I called XXXX XXXX XXXX and spoke with a female rep. The rep stated " this is an attempt to collect a debt, and any information obtained will be used for that purpose. '' I told her I dispute the debt and that its fraudulent. The rep said great, ok, and she's glad I called to let them know about the account as well as they will investigate. First and foremost why do I need to let XXXX XXXX XXXX know about an account that they claim to know so much about that they reported the account to TRANS UNION as a collection. XXXX XXXX XXXX nor any of its agents/officers/directors haven't spoken to me, nor received written communication from me until they reported a fraudulent account on my consumer report. I also asked the rep for the account number and the rep stated its # XXXX. How are they conducting an investigation, with whom are they conducting an investigation with, and for what when this XXXX XXXX XXXXL account do NOT belong to me? It's clear this company is in violation of the FDCPA and FCRA. I do NOT and nor have I ever had a contract or an agreement with XXXX XXXX XXXX. This account is fraudulent and need to be removed from my consumer report immediately.