23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a complaint against Patenaude and Felix, A.P.C. ( debt collector ) and XXXX XXXX XXXX XXXX XXXX XXXX ( debt collectors client ) for violations of state and federal consumer financial laws. 

Patenaude and Felix, A.P.C. and XXXX XXXX XXXX XXXX XXXX XXXX have acted deceptively, unfairly, abusively, and in bad faith by opportunistically exploiting the pandemic to breach debt settlement agreements and file fraudulent judgments in an attempt to alter settlement terms for financial gain. 

The details are as follows : - On XX/XX/XXXX, a debt settlement agreement was executed between myself and XXXX XXXX XXXX XXXX XXXX XXXX XXXX represented by Patenaude and Felix, A.P.C. ( hereinafter " Patenaude '' ).

- In accordance with Patenaude 's instructions, an automated payment method was established, providing the necessary account information for monthly payments.

- Patenaude confirmed receipt of the account information and approved the automated payment method.

- Payments were consistently made on time per the settlement agreement until the onset of the pandemic.

- During the pandemic, Patenaude ceased processing payments, attributing their failure to do so to pandemic-related issues ( admitted by Patenaude in writing, available upon request ).

- Despite my multiple attempts to reestablish payments, Patenaude has repeatedly refused to accept payments per the terms of the settlement agreement, explicitly stating that they and XXXX XXXX XXXX XXXX XXXX XXXX were unwilling to abide by the agreement ( written documentation available ). 
- Instead, Patenaude and XXXX XXXX XXXX XXXX XXXX XXXX are seeking to change the settlement terms to secure an exorbitantly higher settlement amount ( documented in writing ). 
- On XX/XX/XXXX, Patenaude fraudulently filed a judgment against me, alleging a breach of the settlement agreement. 
- The current amount proposed by Patenaude is double the amount that was agreed to in the original settlement agreement. 

I respectfully request an investigation into these matters and appropriate action be taken. I am willing to provide any necessary documentation to support this complaint. Please do not hesitate to reach out.
Product: Mortgage

We filed bankruptcy in XX/XX/XXXX?? We included a home we have a mortgage with DiTech, so that we 're protected, but we continued to pay the mortgage & still pay every month. We did miss paying the tax payment in XX/XX/XXXX, and DiTech paid it & added it to our mortgage. 
DiTech continues to call us several times a day, morning, afternoon, or evening. I accidentally answered one of their calls & the man claimed we missed 2 payments -- which was totally false. I told him to stop calling us. They mail us certified return receipt mail. 

It 's just harassment, after harassment, after harassment. We assume it 's because they want to refi the mortgage so that it is no longer protected under bankruptcy. But I did tell them we plan to continue paying the monthly bill every month.
Product: Credit reporting

Collection agency is reporting the incorrect date of first delinquency. I have disputed with TransUnion multiple times ( XXXX times in total ) and each time, the dispute has been verified. The original tradeline with XXXX Bank became delinquent XXXX XXXX as recorded on my credit report. The debt was sold to a collection agency, XXXX XXXX, who then reported the date of first delinquency as XXXX XXXX. Due to the age, the original tradeline has been removed from my report and is no longer listed. With the suggestion of a Transunion representative, I provided a copy of a previous credit report ( XXXX XXXX, prior to the removal of the original tradeline ) circling the date of first delinquincy and estimated removal date. I then circled the estimated removal date under the collection agency as proof the date is incorrect. The dispute was verified as correct. I was told by a representative Transunion does not investigate the dispute and all documentation is forwarded to the collection agency for verification. The collection agency has refused to correct the issue. Transunion representatives have stated numerous times there is nothing they are responsible to do and the credit report is not sufficient proof of the dispute. I was also told to file a police report or get an attorney as Transunion is not responsible for investigating disputes and if the collection agency verifies the information as correct, there are no laws they have broken. Although the customer service representative was a XXXX supervisor and could blatantly see the error and agreed with me of the error, she said there is nothing she could personally do to correct the issue and all corrections must be made by the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I discovered multiple accounts on my credit report including one collection that did not belong to me, that happened right after I pulled my credit report. I do not know how, but the accounts were there, this is my first time trying to remove the following accounts that are not mine, 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, these alleged accounts are not mine, and they need to be remove from my credit report, because they are part of an issue with Identity Theft and, I am now reaching the CFPB to do a complaint and accelerate the process of fixing this issue.
Product: Debt collection

After comparing a credit report pulled for a mortgage with my XXXX XXXX account I noticed that there are XXXX different names reporting the same amount. So I then compared the account numbers are they also were the same. Finally, I check the Date of Last Activity ( XXXX ) on my credit report and the dates are either not there or at least a year old and listed as reported or opened this year or last year. I believe that this agency and other agencies on my credit report are selling the alleged debts and changing the dates. XXXX has also reported this same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing a discharged account to report open on my credit report when it should indeed be listed as a closed account. I have tried numerous of times to speak with XXXX and Equifax about this issue and they continue to inform me that this account is verified as accurate when it is indeed not accurate..
Product: Checking or savings account

On XX/XX/2019, at about XXXX XXXX my joint savings account with my son, was fraudulently charged with wired to a XXXX XXXX of {$5000.00}. I first knew about it when I got an alert on my phone stating that I added XXXX XXXX to my account with and email of XXXX. As I was about call the Bank I got a call from someone Stating that they are calling to report that someone is at ATM is withdrawing {$500.00} from my account and will stop the transaction when they sent me an alert code to my phone. He first verified the account by asking me the recent transactions on the phone which I confirmed, then he asked me the alert code that was sent via text alert and gave it to him thinking that he was an actual Wells Fargo Representative because he verified all the information first on my account. He stated that he will stop the ATM transaction of {$500.00} and will receive a new ATM card on the mail. I ask him hid name of which he stated XXXX XXXX. After the call ended I immediately called the Bank with a 2 minutes spam to find out about the fraud with more detail. They immediately told me that the it was a fraudster who called and that my account was hacked and {$5000.00} was taken from my account. It tool about 10 minutes before they were able to transfer me to the Online Banking Dept. as I was on hold for a long time. When I finally got to an Online Banking Rep they said the will shut down my user name and passcode to create a new one. It took about another 15 to 20 minutes again before I was given the ok to create a new online Banking username and password. They then issued me a claim number number and said it will take 10 business days to process. 
On XX/XX/2019, I got a call from a Wells Fargo Rep stating that my claim is denied and wont be able to issue my {$5000.00} that was fraudulently taken out of my savings account. I was devastated as they said since I gave the alert code to an unknowing fraudster they wont issue the {$5000.00} back to my account. 

Please note that the account who received the {$5000.00} is a Wells Fargo long customer as well with a home based business as the representative told me that the account that the money was wired to. Somehow this sounds fishy. Not certain if its an inside job and why they could not recall the money as I immediately called Wells Fargo when the fraudulent activity was taking place. They first told me it was a XXXX transaction on the day of but then the next day I also saw a {$30.00} charge on the account for wire transfer fees. While on the phone on hold with Wells Fargo, I logged into my online banking and notice the email that was added of which I deleted so I and guessing the fraudster tried and succeed to wire transfer directly. 
I filed a police report and kept calling Wells Fargo and still states they wont issue the money. Please help me. I am in distress as this money was my for my son 's housing when he move to the XXXX XXXX next month. He just graduated college and worried he wont be able to move since he is out {$5000.00} he worked hard for doing an internship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the status information of these accounts and update right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I had problems with Capital One before. I pay them {$25.00} a week for the past 10 years. I've noticed they have increase my my limit. They have been charging for over excessive amount in " late fees '' and " interest rate ''. Before, I I was paying good. I was unaware of my fees and increase in credit. I'm really tired of Capital One doing unethical things. They always try to go around my issues. I want them to remove the fees. I think they're reporting wrong on my credit report. If I don't get results, I will take this to a lawyer plus social media. This isn't right. I'm tired of them.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I just reviewed my XXXX and Transunion credit reports and it shows inaccurate and unauthorized accounts. Please see the dispute letters I sent to the Bureaus attached to this complaint.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>. I noticed so fraudulent activity on my account. I made a claim with Bank of America in the amount of {$1400.00} from an unauthorized transaction from XXXX. Bank of America issued me a new debit card because of the fraudulent activity going on.Ten days later they issued me a provisional credit. On XX/XX/year> additional transactions from the merchant XXXX was discovered on the account. So I called Bank of America back and as I was on the phone with the agent he pointed out that there were 7 months worth of fraudulent transactions. He helped me submit a claim for the fraudulent transactions in the amount of {$10000.00}. Ive never even used XXXX in my life. I have my own home that I stay at and pay rent for. I work my XXXX off for my money and for that to be taken away from me is ridiculous. I was waiting to get a word back from Bank of America about the new claim I filed. On XX/XX/year>, I woke up to my claim for {$10000.00} being denied I was angry and sad I thought the bank was supposed to help with fraud. The bank didnt ask for me to submit a written statement the didn't ask for any proof that I had nothing just denied. I called the bank and asked for a response they told me that it was denied because the customer was liable because it was from XXXX XXXX. I just want someone to take their time and look over the facts I never done business with XXXX before. My account was compromised and Bank of America did nothing as far as looking into the real facts or fixing my account dealing with the fraudulent activity.
Product: Credit reporting or other personal consumer reports

Un authorized And fraudulent collections on my report under 15 USC 1681 ( a ) ( 3 ) The following XXXX ( XXXX ) credit bureau 's ; XXXX, XXXX, and transunion assumed this row without my permission, nor my consent. Furthermore in accordance with 15 USC 1681 ( a ) ( 4 ) The aforementioned credit reporting agencies did not respect my rights to privacy. I have requested the proceeding entries removed from all credit bureau 's credit reports. The credit bureau 's denied my request to have the items removed. 
It is illegal to sell my debt and not report it, but still have the original debt holder on my credit report. 
The companies did not do anything to help XXXX XXXX. 
15 USC 1681a section 603 ( k ) ( b ) ( ii ) Adverse action against the consumer is illegal.

15 USC 1681 section 604 A States, a consumer reporting agency, can not furnish an account without my written consent. 
I did not consent.

15 USC 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. I am being contacted without my permission, while at work, and called from several different telephone numbers everyday. 
I would like to pursue punitive damages for each individual violation of my rights as a consumer, harrassment, mental angusih from seeking housing, and transportation for me and me children and being denied due to the violations listed here. 
I would like to seek punitive damages for the maximum amount for each occurrence. 
I would like the following accounts removed from ALL credit reports Along with all hard inquiries and derogatory comments XXXX XXXX XXXX ( XXXX XXXX ) Opened XXXX XXXX 2023 {$1000.00} XXXX XXXX ( XXXX XXXX ) Opened XXXX XXXX 2022 {$160.00} XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX 2023 {$590.00} XXXX XXXX XXXX Opened XX/XX/XXXX2022 {$370.00} XXXX XXXX XXXX Opened XX/XX/XXXX2022 {$10.00} XXXX XXXX XXXX Opened XXXX XXXX 2022 {$97.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the assistance of the Consumer Financial Protection Bureau with insuring that my credit report accurately reflects the current and previous status of my Stafford Loans through the U.S. Department of Education. My credit report currently show that five loans remain in collections, how ever they are no longer in collections, and all derogatory remarks since XXXX should have beed removed. 
Background information In XXXX, the above mentioned loans went into default and on XX/XX/XXXX, I entered the Loan Rehabilitation Program with XXXX XXXX XXXX, which is a collections agency for the U.S. Department of Education. During the intake process over the phone, they informed me of the following : Once a loan is rehabilitated and transferred to a new service provider, the loan is no longer in default and the Department of Education requests that credit reporting agencies remove the record of default by the Department of Education. The credit update is normally reflected in the next monthly reporting cycle After the XXXX XXXX XXXX representative stated this, it was further explained that after I completed the program, they would return my loans back to the U.S Department of Education who would then notify all three credit-reporting agencies. In addition, it would be requested that all derogatory statements be removed from my credit report dating back to the point in time in which the loans went into default ( which was in XX/XX/XXXX ). They further explained that soon after receiving the account back in good standing, the U.S. Department of Education would then return my Federal Stafford Loans back to the original servicer, XXXX XXXX. 
I completed the Loan Rehabilitation Program as of XX/XX/XXXX with XXXX XXXX XXXX, and my loans were was returned back to the U.S. Department of Education in XX/XX/XXXX, as well. The U.S. Department of Education has informed me that on XX/XX/XXXX, they submitted an update to all three credit bureaus informing then that both my loans where in good standing, and that all derogatory remarks should be removed from my credit report since the loan went into default in XX/XX/XXXX. 
The Problem I have attached a copy of my credit report that was pulled my a mortgage broker I am working with. ( 1 ) All of my U.S. Department of Education loans, highlighted in yellow, are still showing in collections, dated as of XX/XX/XXXX. ( 2 ) Highlighted in blue are duplicate accounts from the US Dept of Ed ( USD ) that are now being serviced by XXXX XXXX ( XXXX ) that show incorrect balances. Furthermore, and again, they are no longer in COLLECTION status. 
It also does not reflect that my loans have been serviced by XXXX XXXX since XX/XX/XXXX. I have contacted both the U.S. Department of Education and XXXX XXXX about this inaccurate information on my credit report, and both have insisted they have reported the status of my loans to all three credit bureaus. 
Please note that I have attached my most recent bill from XXXX XXXX showing that these accounts are in good standing.
Product: Credit reporting or other personal consumer reports

Describing the equal credit opportunity act and the ability to to do online education and credit reconsideration with American Express and host of others including the XXXX last four of my social are XXXX
Product: Checking or savings account

I initiated a withdrawal of {$100000.00} on XXXX from my Apple savings account by Goldman Sachs ; the transaction said in progress but nothing was moved. By XXXX I started calling customer service. At first they said they saw no issue that the external account was verified and that I should receive my money no later than Monday XXXX. On XXXX still no money and I contacted the receiving bank, XXXX, and they said there is no sign of any pending transaction or anything initiated. I called the GS customer service on XXXX and they said that I needed to talk to the fraud department. I told them to close the account and that I didnt trust the bank. It took me XXXX hours to get the fraud department, they sent a pin to my phone and she claimed she had fixed the verification and that they needed the back office to release the funds and she didnt know how long that would take. It is now XX/XX/11 and there is no sign they have released or sent the funds. When I call them, it still says in progress as of XXXX, there is no evidence they are willing to release my funds. 

Attached are screenshots of the account showing the initiated transaction and pending status and the receiving XXXX account not showing the transfer of the $ XXXX.
Product: Checking or savings account

I opened my account XXXX  months ago and havent been able to access it but once since Ive had funds sent to it. This is ridiculous because they keep putting it on fraud alert although all my funds are in my account. They say one thing which is recorded and then say something else. Ive done everything they have asked of me and I still cant retrieve access. This is a loop Im running in just to access my own money.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIANXXXX  Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Balance {$2300.00} XXXXXXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Open Balance {$4200.00} XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$10000.00} XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$2300.00} XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$15000.00} XXXX XXXX XXXX Account number XXXX Collection Date opened XX/XX/XXXX Balance {$390.00} XXXXXXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Open/closed XXXX Balance {$2300.00} XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Balance {$4200.00} XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$10000.00} XXXXXXXX XXXX XXXX  Account XXXX XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$2300.00} XXXX XXXX Account number XXXX XXXX XXXX XX/XX/XXXX Open/closed Closed Balance {$15000.00} XXXXXXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Balance {$2300.00} XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Balance {$4200.00} XXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$10000.00} XXXXXXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed XXXX XXXX {$2300.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$15000.00} XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Date opened XX/XX/XXXX Balance {$150.00}
Product: Credit card or prepaid card

You guys said I called capital one about a account how did i call you guys about a account that i never knew about or had no knowledge about the XXXX number isnt mine and yall said its my birthday linked to the account of course its my birthday how would they open the account without my birthdate and ssn im not pay off no debt that I didnt do i was XXXX of the time this account was open and you guys got ta take it off i wont for something I didnt do. Its crazy how everyone know it wasnt me but you guys keep saying yall know it was me that opened up a credit card at XXXX I didnt even know how to open a bank account at that age.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea about these accounts. I disputed them to the credit bureaus and didn't get any response at all. XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  Account # : XXXX