23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ARS Account Resolution has placed an unpaid medical collection account on my credit reports. On numerous occasions, I've requested proof of debt, a statement or breakdown of charges/fees owed from the hospital, and/or contract bearing my signature yet ARS have provided nothing of the sort. I received a response letter to my request simply stating my name, social security number, an amount owed of {$1600.00}, and the name of the hospital which is inadequate. I do not recall this particular hospital visit and is simply requesting adequate proof that can substantiate the alleged debt so that I may review all the charges to ensure that they reflect the services I allegedly received. This matter is seriously injuring my credit profile/scores, in the midst of a pandemic no less.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social is being used to open bank accounts and credit cards I have frozen all my account with all 3 bureaus but equifax denied my disputes and they remain on my account.
Product: Student loan

In XX/XX/XXXX, I began to inquire about loan forgiveness. Not once did anyone inform me of T he PSLF Program. The only program I was told about was the XXXX XXXX Forgiveness Lrogram. Well, I applied only to be told I didn't/do n't qualify due to the original date of my loan. Of course, I tried more than once both on paper and by phone, but not once did anyone tell me about The PSLF Program. It was not until XX/XX/XXXX that a representative informed me of The PSLF Program. I immediately completed my paperwork to consolidate my loans to take advantage of loan forgiveness. At the time, I did not know the program was introduced in XX/XX/XXXX, eight years prior. I often think about how I could be nearing the end of my 120 payments, and I get upset. I have since voiced my concerns with XXXX XXXX XXXX, and the rep told me many servicers were not well versed with the subject. I do not feel I should have to suffer due to misinformed or uninformed customer service reps. I have not contacted the original servicer, SC Student Loan Corporation, but I will. Also, any assistance that can be provided will be greatly appreciated.
Product: Credit card or prepaid card

Well this is not the first time this has happened but I have money on my wisely payroll card formally global Cash card. I'm trying to transfer my funds to another account my XXXX  banking account. Now they are both pretty much the same in regards to being a prepaid card but they claim that they're accepted everywhere and easy to use. However I can't transfer my own money from one of my own accounts to another account of mine because it's a prepaid card even though the other account is also a prepaid card it doesn't make sense. They can never make it easy for you to access your money if for say like right now I have my debit card but I left it at a friend 's house and I can't get it right now, so I'm trying to use it via mobile app and of course they won't verify my XXXX code so I tried to pay myself and they won't pay a prepaid card! It's ridiculous. They advertised how it's just like any other XXXX logo card but that's not true I've had many of difficult times with them because of things like this. I don't think you should advertise it as a credit card accepted everywhere to be used as a credit card anyway when it's not that's false advertisement. Besides that they also make it very difficult to file a complaint as far as a fraudulent charge they make any funds on your card immediately unavailable until the issue is resolved which takes weeks sometimes months. I wasn't prepared for that and it caused me a lot of XXXX  and XXXX because I was completely broke until it was resolved. Why should the money on my card be frozen until they make a decision about a transaction? I don't see how that's their right
Product: Checking or savings account

XX/XX/2019 XXXX HRS : CALLED CUSTOMER SERVICE AND ADVISED ME THE ACCOUNT IS CURRENTLY RESTRICTED, LOSS PREVENTION TEAM ADVISED BECAUSE THEY WOULD LIKE TO CONFIRM CHECK # XXXX WITH THE DOLLAR AMOUNT OF {$53.00}, ADVISED ME TO CALL ME DURING THE NEXT BUSINESS DAY. 

XX/XX/2019 XXXX HRS : CALLED LOSS PREVENTION, ASKED ME TO REFER THE MAKER OF THE CHECK TO CALL THEM AND NOTATE HER ACCOUNT. 

XX/XX/2019 XXXX HRS : MULTIPLE NOTATION HAS BEEN MADE BUT LOSS PREVENTION CHANGED THEIR MIND CLAIMING THEY WOULD LIKE TO VERIFY WITH THE MAKER OVER THE PHONE. ASKED ME TO CALL BACK AFTER XXXX HRS. 

XX/XX/2019 XXXX HRS : HAD BOTH MAKER AND ME ON THE LINE TO SPEAK WITH THE LOSS PREVENTION, BUT NOW THEY WERE CLAIMING THEY CAN NOT CONFIRM EITHER/BOTH OF OURS IDENTITIES. ASKING BOTH OF US TO STEP INTO A BRANCH. 

XX/XX/2019 XXXX HRS : LOSS PREVENTION ADVISED THAT THEY WOULD ALSO LIKE HAVE VERIFICATION OF THE TWO CHECKS ISSUED BY UNITED STATE POSTAL SERVICE ( XXXX ) XX/XX/2019 XXXX HRS : STEPPED INTO THE XXXX BRANCH AND ASSISTED BY A BANKER AT XXXX HRS. BOTH OF US PRESENT OURSELF WITH TWO PIECES OF PHOTO ID. 

XX/XX/2019 XXXX HRS : LOSS PREVENTION INDICATED THE ACCOUNT WILL BE CLOSED AND CHASE NO LONGER WANTS TO DO BUSINESS WITH ME. THE BANKER SAID I AM SO VERY SORRY BUT WE ARE PARTING AWAY AND YOU CAN NO LONGER DO BUSINESS WITH CHASE NOR I OPEN A NEW ACCOUNT FOR YOU XX/XX/2019 XXXX HRS : STILL AT THE BRANCH DEMANDING AN INCIDENT REPORT OR ACCOUNT CLOSURE LETTER, AS I INDICATED TO THE BANKER ( AND WE BOTH HEARD THE CALL RECORDINGS TOO ), THE LOSS PREVENTION DEPARTMENT NEVER BE ABLE HAVE AN ANSWER WITH CONSISTENCY. 

XX/XX/2019 XXXX HRS : BANKER CALLED IN AGAIN AND ASKED FOR DIRECTION, BUT THIS TIME LOSS PREVENTION INDICATED THEY WILL NOT CLOSE MY ACCOUNT AS LONG AS I CAN CALL THE CHECK MAKER TO COME BACK IN 2 MINUTES AND SPEAK WITH THEM OVER THE PHONE, AND GO OVER SOME TRANSACTIONS WITH THE BANKER. THE BANKER WAS TELLING AT THEM : WHY THE HECK YOU GUYS PUTTING THE INCONSISTENCY ON ME? ... THE VERIFICATION IS FINALLY COMPLETED EXACTLY AT XXXX HRS AND NO NOTICE OR LETTER HAS BEEN RECEIVED AT THIS POINT. 

-- XX/XX/XXXX : Visited a branch to remove account restriction XX/XX/XXXX : Visited a branch to remove an ATM card restriction XX/XX/XXXX : Visited a branch to remove an online access restriction XX/XX/XXXX : Account locked again XX/XX/XXXX : Visited a branch to remove account restriction XXXX : Account locked again
Product: Credit reporting

I was a XXXX customer between XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I discontinued my FIOS service. XXXX charged me a {$130.00} " early termination fee '' ( ETF ), alleging that I had agreed to such a fee previously. However, I had never entered into any contract with or agreed to any " early termination '' clause with respect to my FIOS service. I asked my bank, XXXX, to mediate the dispute. After contacting both sides, XXXX issued me a refund for the {$130.00} that had been erroneously and illegally charged to my account. I naively assumed that the XXXX Bank decision would settle the matter. 

However, XXXX continued to pursue me for this money, even after XXXX Bank resolved the mediation in my favor. XXXX referred this debt to a collection agency, XXXX, so I filed a complaint with the CFPB ( XXXX ) against XXXX and XXXX. XXXX responded to the CFPB to state that XXXX had, " closed and recalled this account, '' and, " XXXX will make no further efforts to contact you. '' However, this adverse item continues to appear on my Experian credit report. I disputed the adverse item with Experian and they refused to remove the item from my credit report, even though XXXX has provided zero evidence that this is a legitimate debt. 

I am contacting the CFPB for their assistance in mediating this issue with Experian, and to help remove this black mark from my credit report.
Product: Money transfer, virtual currency, or money service

paypal closed out my account b/c i filed a cfpb complaint they still owe me {$60.00} which they helded and closed out my XXXX they say b/c i had more than one dispute from the same person i might add so they closed me out and help my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place.
Product: Prepaid card

Bank of America sent me an email saying they sent my friend a check and the check was not cashed Wrong address came back and they requested that he call them and give them the right address to send the check to ( sending a copy of that 3 pages along with a copy of the power of attorney 7 Pages and a photo of my ID My phone # is ( XXXX ) XXXX. 
My friend is in jail right now so he gave me power of attorney and wants me to have the money. We are thinking it is either an unemployment payment that they owe him or a stimulus payment that he didn't receive. So he wants me to keep some and put some money on his books. This was 2 weeks ago now that I picked up the completed forms from Nevada XXXX XXXX At first I scanned the XXXX papers and they came out blurry so I resent them by another fax and email. 
Now when I call them after calling them at least 3 times and giving them my phone # twice they still called the wrong # today and are saying the papers are expired!! 
How are the XXXX papers expired?? They clearly say to make me power of attorney from XX/XX/XXXX - XX/XX/XXXX and are properly notorized and signed!! I also gave them his social security number and his birthdate and the same with me plus the right address that matches the address he said to send the check to that matches the address on my ID!! What else do they XXXX want??? Makes no sense whatsoever!! What they can't read numbers and they work for a bank??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX this is unauthorized and its affecting me getting credit i never applied for anything
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2014 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1600.00}.
Product: Money transfer, virtual currency, or money service

Venmo Complaint : I recently received a grant via Direct deposit through the SBA. I used Venmo to receive this grant. Everything deposited and once I made a transaction they froze my account and now Im praying they return my money somehow. I have waited and waited, and when they finally do reply it says sorry we can not return the funds. Why? This was a grant given through the SBA, Im confused, if I violated a user agreement I should still be entitled to receive my money that was obtained legitimately.
Product: Mortgage

Hired a retired XXXX and Attorney that determined mortgage fraud took place. Hired a hand writing expert that determine Corporate Assignment of Deed of Trust was done fraudulently, so forfieted notary bond to XXXX and no longer is notary. XXXX determined for last XXXX years XXXX of XXXX has been practicing law from the bench an high misdameanor. Also not XXXX form or Judiciary Bond on file as required. Thus, XXXX NOTE was treated as MONEY and was monetized and cashed paying off house immediately. Thus the DEED of TRUST was never active from the terms and conditions. And Conversion Fraud, and Mail Fraud have taken place, XXXX BANK, XXXX, AND XXXX., AND XXXX BANK, FSB, AND XXXX WERE all put into a government conservator-ship. This process was set up from the Builder XXXX. and XXXX Using XXXX Mortgage, INC. ( XXXX ). and XXXX MORTGAGE, INC. whom never loaned XXXX anything. They had XXXX sign a security instrument, but the people doing the fraud were not licensed to sell securities, apparently not an agent of MERS either and included their incorrect legal name on the paperwork. This was all orchestrated by XXXX, that is owned by XXXX, XXXX have asked them already for their errors and omissions insurance carrier but they have been non-compliant. XXXX IS owned by XXXX. All have been involved with a corrupt network of XXXX fraud. So much for buying worthless title insurance. XXXX also worked with XXXX to presumably table fund the loans as a deposit which is illegal and unlawful. All of this illegal activity since XX/XX/2004 has happened with the government knowledgeable since the fraudulent entities filed XXXX forms with the SEC XXXX database canceling the tax exempt trust no more then XXXX year after it was set up XXXX database canceling the tax exempt trust no more then one year after it was set up for tax evasion of the money or conversion payments. HOME was paid off immediately by NOTE that was monetized with FED, then the party took out additional loans from HEDMANS. 
We should be able to file a claim against XXXX XXXX, XXXX, and Corporate officers XXXX, XXXX, AND XXXX, XXXX sent the common law copyright notice and Affidavit and Notice to provide proof of claim. 
XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to XXXX and Equifax requesting that they verify the accuracy of the bankruptcy reported on my credit report and to also provide proof. I received a response from XXXX  on XX/XX/XXXX stating the company who reported the bankruptcy verified the information is accurate. XX/XX/XXXX I received a response from Equifax saying the public record item was obtained by local, state and Federal courts third party vendor XXXX XXXX and they verified the item was accurate. I have included a letter from the bankruptcy courts stating they don't report anything to credit bureaus. I have also included proof of a security freeze placed on XX/XX/XXXX from XXXX XXXX. This is the same third party company who verified the bankruptcy to Equifax on XX/XX/XXXX dispute there being a freeze request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  on XXXX XXXX reported late payment to my wife 's and my credit history. Actually we are not responsible for the late payment. As per the deal the dealer gave they were supposed to pay the first two payment : the one that you pay during the signing of the lease and the second one which is the one that will be officially billed by the finance department. Dealership forgot and I came to know about this when I went online to pay my bill from XXXX XXXX which I am supposed to pay. The dealership owned up the mistake and paid the one they had to pay. XXXX XXXX refused to update the incorrect credit reporting and asked me to submit proofs for all this. I called in created a ticket with customer service and submitted the required docs. Processing time is 6-8 weeks and they don't send you an email with decision you have to keep calling and they will just close it after they make a decision. Since XX/XX/XXXX to this date XX/XX/XXXX I have opened multiple tickets with their customer service. Each time they bring up new issue with the documentations. ie lets say there are five things they wanted in the body of the letter they tell one each time they reject. And finally, one of the customer service agent himself dictated the body of the letter to me so that the dealer can print this in their letter pad and then I can submit it. Now they rejected that also. The dealership clearly states that it was their fault etc but they just will find new issues all the time. As I am typing this the customer service agent I am working with is trying to come up with new wording to cater towards the new rejection reasons from XXXX XXXX They are just so painful and so irresponsible. I am not sure why they have to do this even when their own customer service agents says they can not figure the reason why they keep rejecting the letter or the plea to correct the incorrect credit reporting. 

Now latest rejection reason which they didn't tell when they rejected before is that they want the dealership to put in the letter why they made a late payment and why they are agreeing to pay it on my behalf. 

Similar is my experience with another ticket I have with them. I got a parking ticket and I paid on time. They paid it again after I paid it without consulting me. And now they have not recouped the money from the city for months now and I will have to pay the same amount again to XXXX. 

Their investigation takes more than 30 days, I am not being notified of the results, there is difficulty submitting or get details of a dispute etc. I need somebody to help me. They make you feel helpless. Because of this incorrect reporting I got rejected for my wife 's student loan refinancing and finally when we got a refinancing we got a lower rate than we should have as because of all this my credit score went down from 800s to lower 700s.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS DISPUTED HAS BEEN DAMAGING MY CREDIT TREMENDOUSLY. THOSE ACCOUNTS HAS BEEN REPORTING INACCURATELY AND HAS BEEN REPORTING INACCURATE TRANSACTIONS. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER IMMEDIATELY. I HAD NO KNOWLEDGE THAT THOSE ACCOUNTS WERE REPORTING SUCH NEGATIVITY INTO MY CREDIT FILE.
Product: Mortgage

I lost my job at the end of XXXX. On XXXX XXXX, we requested a Loan Modification from XXXX XXXX XXXX, filed all the requested paperwork, more that one time, I might add. Delays and more delays and nothing happened. Finally, in XXXX XXXX, we had a meeting in person, with a XXXX Rep. and started another request for XXXX, kept in touch with her for a couple of months, emailed her often to check status, advised her in XXXX XXXX that I had found a good job and we felt confident to resume payments. We stressed very often that we wanted and would do anything to keep our home, just tell us what to do, to no avail. 
Then the loan went to XXXX XXXX, then to Select Portfolio Services, and of course every time, a new XXXX request, more paperwork, and it dragged and dragged. Of course as time goes by, interest and late fees keep accumulating, what was a XXXX balance, got to XXXX, we still wanted our home, but finally in XXXX of XXXX, almost 4 years later, the only thing left for us to do was a Short Sale or Deed in Lieu, really? after 4 years? 
At what point we had control of the time all this show took place? We could n't abandon the house, we could n't make payments because no agreement had been made, we would 've lost that as well. 
Only thing for us to do was to maintain the property, and we did, even though we did n't live in it full time because of our jobs in another town. 
The house was merely to spend 4-6 days a month while being off work, and served as storage for our furniture. My wife and I still live with relatives because our credit is shot and because guidelines wont let us buy a house for 3 to 7 years. 
XXXX XXXX sold the house 2-3 months after we moved out. We lost our home of 8 years, down payment, closing costs, improvements, not to mention the stress and the uncertainty of the outcome, alongside with the credit consequences that now wont let us even attempt to apply for a mortgage anywhere else. 
A deal is a deal. It was very unfortunate that I lost my job and I expected consequences, like missed payments I had to make up for, late fees, penalties, interest, etc ... and we were ready to comply with that, that would 've been easier, but they kept pushing for a Loan Modification, we did n't wanted one after XXXX XXXX, but they always had control and their plan was to build up the debt, make the house go underwater and forced us out, and it worked. We lost our home and ca n't buy another because our credit shows a Deed in Lieu and no mortgage company wants part of us. Guidelines, they say, you have to wait. 
Have n't we lost enough already?
Product: Credit reporting or other personal consumer reports

WESTLAKE PORTFOLIO MANAGEMENT IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA. 

WESTLAKE PORTFOLIO MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2024 Account : XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice. 
Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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.