23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX is reporting on my credit report a collection account that is not mine and/or invalid. The Representative from XXXX harassed me numerous times and threatened to ruin my credit by reporting this account to my credit if I dont pay, even after I explained to her it wasnt mine. 
It seems they are following through with their threat. After my previous complaint they stopped contacting me but still reported this to my credit report. 
I would like XXXX to remove negative reporting from my credit report immediately ; also I would like to be Included in any legal action CFPB XXXX take against XXXX now or in the Future.
Product: Credit reporting

I need to file this complain due a negative court case still showing in my TransUnion Credit Report Case XXXX this case was file in court and collected from a collection agency XXXX, from a fradulent account, after the investigation was finalized, and was reported the unauthorized opening of the account XXXX acct # XXXX and found XXXX and XXXX has removed it, but TransUnion still showing in XXXX section this account as mine, I need to have those account removed immediatly / XXXX reports XXXX as collection/charge off {$3700.00} from XXXX XXXX, and same acct as reference XXXX circuit court {$1700.00}, it is same acct XXXX # XXXX case. the letters with the proof of investigation was given to both parties, but transunion is in violation of my credit report rights. XXXX XXXX # XXXX s.s.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Capital one automatic fraud detection system closed my accounts because they thought my legitimate purchases that were trying to go through on my card were illegitimate. I am traveling through XXXX and I have no access to my credit cards for back up purposes. My cards were illegitimately closed. One card that was considered to have the illegitimate purchase that caused both of my cards to be closed even though I was in good standing. My complaint pertains to the cut off access I was given with no warning and the potential hurt it will have on my credit reports. I cant request a new credit card with capital one because of the closure of my accounts from the system. I will hurt my credit score even more to apply elsewhere and open another credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a private student loan with XXXX XXXX XXXX ( XXXX ), which I pay on time. However despite the fact that I pay on time, I was reported 30 days late in XX/XX/2019. I contacted the company three times and spoke to 9 different " supervisors. '' They repeatedly assured me that my account correctly reflects that I was not late and denied reporting to the credit bureau that I was late. They sent me two different letters confirming that in XX/XX/2019, my account was in good standing and advised me to dispute it with the credit bureaus.

I filed two disputes with all three credit bureau agencies and each time XXXX confirmed that the late payment was correct. I advised XXXX of this and they once again denied it. I was denied a loan because of my " late payment history '' so this error is negatively impacting me and causing me an extreme hardship. I am trying to get this resolved ASAP. Thank you.
Product: Money transfer, virtual currency, or money service

So last month XX/XX/2022 I opened up an account with chime checking and savings account I first deposited {$250.00} on the XXXX and another {$100.00} on the XXXX which gave me {$350.00} they would not let me open the credit building account because I wasn't doing a direct deposit with my full income so I decided that I did not need their services and I wanted to go ahead and transfer the money back to my account that it came from originally and when they close the accounts they tried to send it back to the account through time that was closed and it was denied I called them to see if we could fix it and they told me no because they account that I had opened they got the money from was canceled and I needed to reopen it I talked to my bank and they'd never heard of that account number like I did I never heard of it and they told me my money was stuck in credit limbo when I talk to my bank they told me to call him back and ask for a tracing number they would not provide it for me so I'm out {$350.00} I'm a low income family with my XXXX children thanks a lot chime
Product: Credit reporting or other personal consumer reports

the company checked my credit report resulting in an inquiry on my credit report. i never requested any type of loan or any business from the company
Product: Mortgage

I have homeowners ' insurance through my condominium HOA. However, Ocwen told me to get another policy that covered the interior. While I was shopping for coverage, Ocwen purchased another policy WITHOUT MY CONSENT. When I provided proof of interior insurance, Ocwen then billed me for the amount they had paid for the other policy and put that amount into my escrow, which made my monthly mortgage payments go up by almost {$1000.00} monthly. I am disputing that with them now. However, while I was away on vacation, Ocwen had people come to my condominium and plaster a yellow sticker and poster on my condominium 's door outside demanding that we call them right away or the property would be considered vacant. My neighbors saw the notices on my door and texted me pictures of them. They were very offensive, embarrassing, and could have attracted burglars because the notices indicated the property was vacant. This practice has to stop before someone 's property is burglarized. Also, they are not entitled to the amount owed on the homeowners ' insurance they bought for me because they were not authorized to do so while I was shopping for coverage, which I have and have given them proof. Ocwen is trying to extort the money from me, and I am disputing the escrow amount overage ... thus they chose to punish me by putting the notices on my door saying the property was vacant. I want the amount they say I owe to be waived and a formal apology to me.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Checking or savings account

After submitting a complaint to the CFPB, # XXXX, ADP responded XXXX paying a portion of the outstanding payments to the IRS and California XXXX XXXX Department XXXX XXXX. ADP promised to pay the penalty and interest charges that were incurred because of the error ADP had made in XX/XX/XXXX. I have sent many emails after the partial payments had been made, but I am getting no response from the company. As noted in the previous complaint, email is the only method for reaching ADP. The penalty and interest charges are still accruing at the IRS. The XXXX penalty and interest charges were paid by me and are no longer accruing, but they should be reimbursed to me by ADP. The combined charges are approximately {$8000.00}. Your agency deemed the case closed after contacting someone from ADP. It is clearly not closed as ADP has only met a part of their responsibilities. 

My intention has been to close my business and associated banking account at the end of this year, as I will be retiring. It is my understanding that ADP needs the bank account open to reimburse me for the penalty and interest charges. This will incur an additional {$800.00} estimated payment to the California XXXX, plus an additional tax return running about {$1000.00} ( based on past charges ). I believe ADP should reimburse me for these costs if they do not reimburse the other charges before the end of XXXX. 

It is unreasonable for ADP to take almost a full year to make amends for their error. I have tried diligently to work with them, but it was not until I contacted the CFPB that some response was made. I assume you can retrieve the details of my earlier complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection account on my credit report is fraudulent : COMMERCIAL ACCEPTANCE COMPANY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have previously contacted the credit bureaus of this inaccuracy and have not gotten a resolution. I am not liable for any debt to COMMERCIAL ACCEPTANCE COMPANY, XXXX XXXX, or any factoring company. COMMERCIAL ACCEPTANCE COMPANY has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from my credit report.
Product: Checking or savings account

on or about XX/XX/XXXX  there was an authorization charge by XXXX XXXX car agency for {$1000.00} on my account and it was Pending hold on the funds. on XX/XX/XXXX the transaction was finalized and posted to the account for {$1000.00} which was the actual amount but the Pending transaction did not drop form the account thus creating a negative balance and when I contacted their support they indicated that can take up to 30 days for the pending, ng transaction to drop which is total nonsense since that transaction is now paid and complete the pending transaction should drop and not be duplicate and cause the account being negative and all my income that is going to that account is being held towards negative balance and it is causing hardship for me. I believe this is financial fraud since the money was taken out and it was paid there is no reason for a hold on my remaining funds especially for 30 days. this is a company called XXXX XXXX  card powered by Branch designed for XXXX drivers. Please help with this matter as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a tv a wall mount and a XXXX XXXX all in one touch screen desktop thru conns I paid an additional XXXX to XXXX dollars for property insurance 4 days after the initial 1 year warranty the desktop began to malfunction I disputed with conns for more than I should have had to get issues resolved but gained no resolution then I had to go out of state for work when I got back on XX/XX/XXXX I found my house broke into my renter insurance advised me that they would not cover the items from conns as I had insurance through them so I began that process with conns it took them over three months to even start on the matter they wanted me to fill out adjuster paper work despite not being an adjuster they advised me in XXXX ( XXXX XXXX to not make payments on acct and they would not be reflected on my credit then the began making negative reports against my credit then their mitigation department started to call and email daily demanding a payment for XXXX for the wall mount of which I only had half as the other half was attached to the tv that was stolen then they reviewed the acct I got a call from the company customer relations department and was advised that the original finance amount was XXXX and to date I had paid XXXX of that on XXXX XXXX they got a check from life of the south the insurance company ( the insurance company on my original purchase is XX/XX/XXXX ) # XXXX for the amount of XXXX and that conns told me they would send me a check for XXXX for the products which doesnt cover anything not replacement not reimbursement nothing then I got an email stating that on XX/XX/20 they mail a check for XXXX which again does not even come close to covering the XXXX I paid for these products that 0werte faulty to begin with its like I am being robbed all over again and I am still out a tv a wall mount and a very expensive desktop insurance papers says that they pay to conns and conns is supposed to either replace the items or give you money back I do not want to replace the items thru conns I dont ever want to use conns again but I do want my money back I called a lawyer they said that I have a case but conns typically likes to drag things out for years and years and often for so long that people drop the case as they can no longer afford the cost of continuing with their legal pursuit. They reported negatively on my credit and are robbing me of the money paid out
Product: Money transfer, virtual currency, or money service

Venmo randomly locked me out of my account with no reason. When talking to their support, I am told that they can not see a reason why the account was locked and that they will need to escalate. When asked for timeline I am told 7 to 10 business days, but that is an unacceptable amount of time to be locked out of access to my money with no reason. 

When asking for a number for the escalation team, I am told there is no way for a consumer to speak with them. I must wait for their email, and each response will be an additional 7 to 10 business days. 

No warning, no reason given, and no access to funds stored. This is criminal activity and should be punished as such.
Product: Debt collection

On XXXX XXXX XXXX @ XXXX, a woman contacted a family member & informed my relative that she is calling to speak to me regarding " a legal matter that we have in our office. It is important she contacts us right away ''. That woman gave no regards to my relative requesting she contact me herself directly at the number provided. When asked for the company name, phone and her name ... she did not provide the company name or her name, but only provided the phone number for me to contact. She then ended the call giving no other opportunity for my relative to ask for her name & company name once again. On XXXX XXXX XXXX @ XXXX, I received a call on my wireless phone from a number located in XXXX XXXX , FL . w/ no voice message left. However, the number that appeared on my wireless phone is the same contact my relative was given so I returned the call @ XXXX using that info provided. A male individual named " XXXX XXXX '' stated to me, " unless specific details was given to you or a message was left, disregard the call as I am not able to assist you ''. As soon as I ended that call, my employer was receiving a call @ XXXX from the same phone number. The receptionist greeted the inbound call accordingly stating the company name, and " XXXX XXXX '' proceeded to state " this call is in regards to the pending legal case we have in our office for ****** ''. " XXXX XXXX '' disregarded the fact that he contacted me at my place of my employment even after the company was disclosed. All representatives involved in this situation from this company, DNF ASSOCIATES LLC & XXXX, violated my privacy rights under the Federal Consumer Rights Act. As well as, prior to the rounds of calls placed in one day, no written correspondence was sent to me on any level ( via email or ground mail ). This company has a valid address to send correspondence to reach me at, which would allow me to respond accordingly. But instead opted to handle the matter by calling other parties unaffiliated to the matter on hand. Upon requesting for proof to validate call made concerning this " pending legal matter '', On XXXX XXXX @ XXXX, I received a correspondence via email from NCB with no signature or title of the person who the correspondence is from
Product: Debt collection

On XX/XX/2016 I reviewed my credit report and saw that XXXX was reporting negatively on my report to all XXXX Credit Bureaus. I have then contacted XXXX thru certified mail and requested a validation of the said debt pursuant to FDCPA. On XX/XX/2016 Design receivable Solutions sent me a copy of diagnosis or what was done to me from XXXX without my consent. As per HIPAA no medical information should n't be released without the patients consent and in this case I have not given any form of consent bearing my signature to XXXX nor Design Recovery Solutions to release such information on my behalf. I have sent a a certified letter to all XXXX CBs regarding this violation but to no avail I have not received any response from either one of them and to this day it is still showing on my report. I am requesting that XXXX to delete the said negative report due to HIPAA Violation other wise I will be filing a small claims regarding the said matter for defamation, violation oF FDCPA including but not limited to section 807-8 ) and HIPAA violation. I have all the proof should you need them please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute on XX/XX/2023 and didn't receive a response until XX/XX/2023. Which is illegal and violate the credit reporting laws and acts establish. You will remove all mentioned accounts bleow or legal action will be taken to the furthest extent of the law. 15 U.S.C. 1681 states that you must reply and respond within 30 days of received dispute ( XXXX ) and you have clearly blatantly ignored and violated my requests. Ive attached the letters i sent to your bureau!! This is my final response to you which is giving you a chance to cure my inaccurate credit reports. This is what i wrote to you on XX/XX/2023 I Am A natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Account name : XXXX XXXX XXXX ACCOUNT NUMBER XXXX xxxxxx Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX INQUIRIES LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan out in 2020, because I was out of work from XXXX. I'VE NEVER MISSED A PAYMENT. They won't let me refinance I still owe over half the loan. I'm struggling to pay it and try to work with them, but nothing. The company is one main financial.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I attempted to access my Equifax report via XXXX I received an error page when doing so with an error code of XXXX  and a phone number to contact. When I called the number, I was told I had to mail in verification documents and that there was no online portal. 

During a routine XXXX search to attempt to find a form, as well as a cover letter template for issues related to error code XXXX I discovered a internet forum that discussed the issue ( XXXX XXXX XXXX XXXX ) which leads me to believe that mailing in my verification documents would be ultimately fruitless. 

Other links on the internet seem to support this conclusion as well, which I will link below this paragraph. 
https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX While I will indeed do this as a formality, there appears to be evidence to indicate that this company does not operate in good faith and is notoriously bad at updating consumer information. The internet XXXX XXXX seems to extend as far back as XXXX and is likely a familiar issue for the CFPB. 

It is also possible that a legal name change in XXXX has caused an issue with this credit bureau, and no other. To this end, I have attached not only the requested verification documents ( XXXX XXXX XXXX ) but also a copy of the certified court order granting me my name change. Copies of my Driver 's License, last XXXX XXXXXXXX XXXX statement, Passport, and Social Security are also attached to this complaint. 

I trust this is sufficient information for the CFPB to produce a fair resolution to this issue. Thank you. Take care and be well.
Product: Money transfer, virtual currency, or money service

For a couple of months, I have been unable to log into my PayPal account due to this company now demanding that I provide them a mobile phone number. This is something that is not possible, and therefore I am blocked from using the account altogether. My lass successful login attempt was on XX/XX/XXXX. 

All attempts to contact them through the website require a login, and therefore are not usable for any kind of communication. On XX/XX/XXXX, I sent a message to their email address " XXXX '' demanding that they either fix my account so that it does not require a phone number, or close it altogether. This demand was ignored. Here is a redacted log entry from this attempt : XX/XX/XXXX XXXX <redacted> XXXX [ XXXX ] : XXXX : XXXX, XXXX [ XXXX ] XXXX, XXXX, XXXX, XXXX, status=sent ( XXXX ok : Message XXXX accepted ) To this day, I am unable to use this account, not even to request closure or view statements.
Product: Credit card

Was charged for my American Express Platinum Business card {$450.00} for annual fee on XXXX/XXXX/2016. On XXXX/XXXX/2016 was card was cancelled by American Express. on XXXX/XXXX/2016 I called to see how to get the {$450.00} refunded since card was cancelled. Was told it would be credited back by the next business cycle. I now have been turned over to a collection agency for the {$450.00} plus XXXX late charges {$38.00} each. I have tried to dispute charges with collection agency however they stated they only take money and I would have to take up the issue with American Express. I have contacted American Express and get the run around and never get an answer. Yesterday, XXXX/XXXX/2016 I spoke to customer service and they stated another department cancelled the card therefore and they have no way of reversing the charge and am out of luck. 

I should not have to pay for the entire annual fee when I only received 11 days of the card benefit. Plus I was told that I would be credited back the fee on XXXX/XXXX/2016.
Product: Debt collection

I have advised the collection agency this account doesn't belong to me several times via mail. In addition, I have made multiple request for documentation to validate the debt ; as I have never had a contract account with XXXX XXXX XXXX XXXX. To date the collection agency has failed to supply a contract or any documentation to validate this account.