23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

after seeing my report on XXXX it showed that I had a missed payment 1 month ago their office is closed. However I call equifax to start a dispute I verified all my information and at first I were told I gave them the wrong social security number I hung up then called right back and they next rep told me I did give sufficient account  information. now I'm confused because last month I called and the same thing has happened I have been calling equifax every month since XX/XX/2018 I looked and seen alot of this were wrong on my report I called and everytime I'm told by the rep that they can't identify my account however I get asked over 10 - 15 questions about y account and can't get any thing resolved I'm always being told to fax in my request then my dispute will get process this is getting very tiring because my XXXX  friend called and only get asked 4 questions and get asked how can they help her i'm a XXXX XXXX and I have to be asked 15 different questions only to be told that I haven't given the right information this is very frustrating why is it other race don't have to go through the hassle as another race this is ludicrous. Now I have to wait until Monday before I can fax to get my credit report and to see which account is reporting delinquent then file an dispute.
Product: Debt collection

NONE OF THIS INFORMATION IS MINE I HAVE CONTACTED HOSPITAL AND DISPUTED AND ITS NOT WORKING. I HAVE NO CLUE WHY THIS WAS PUT ON MY CREDIT. 




Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XXXX XXXX, XXXX Original balance {$1400.00} {$1400.00} Payment Info Original balance {$1400.00} Balance {$1400.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's XXXX XXXX XXXX Status date XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

I had {$6000.00} transferred to me in 1 transaction from a client and was told someone would contact me but was never contacted. In another transaction there was {$50.00} credited to me and XXXX XXXX  calculated fees adding up to the amount which took the total, cash app blocked the fees, but the account was never refunded. I didnt rece Statements for that either.
Product: Debt collection

This account is inaccurately and erroneously reporting. Theyre intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Also, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have XXXX accounts with XXXX. 
XXXX. I've never been late. 
XXXX They have me being late twice in XXXX and XX/XX/year>. 
XXXX. It shows as XXXX  days late. 
You can't be late twice and XXXX past due.
Product: Debt collection

I had a home video system installed by XXXX in XX/XX/XXXX. They bill through Best Buy. I paid it off in XX/XX/XXXX. For some unknown reason, XXXX started billing me {$19.00} through Best Buy card in XX/XX/XXXX. I was moving and had no idea why I was being billed but paid the XXXX bill, which included a late fee just to make it go away. They charged again in XXXX. I called XXXX. Spoke to XXXX in XXXX XXXX store in XXXX on XX/XX/XXXX at XXXX. XXXX agreed the billing was in error and promised to stop the billing, eliminate current bill and refund paid amounts. He did stop future billing but did not eliminate current bill. As such, I got late notices in XXXX and XXXX. I called and disputed the claim through Best Buy card ( citibank ). I started getting collection calls. I called Best Buy card again on XX/XX/XXXX and spoke to XXXX at XXXX. XXXX said it was all fixed. I received a letter from Best Buy on XX/XX/XXXX stating my dispute was not granted as they had insufficient information. Best Buy dropped my credit limit. I got collection calls on XX/XX/XXXX. I owe no one in the world other than my mortgage and a leased call. My credit is perfect. I would gladly pay {$80.00} if I owed it. Despite multiple calls and a promise each time this is fixed, the problem persists. They simply are not responsive.
Product: Debt collection

In XXXX 2015, I cancelled service with XXXX XXXX XXXX. At cancellation, I disputed the final bill and attempted to return a phone that I was leasing via a letter sent to XXXX XXXX XXXX dated XXXX XXXX, 2015. XXXX XXXX XXXX did not respond to my correspondence, but instead used a debt collection agency. The initial debt collection agency was XXXX XXXX ( XXXX ). XXXX contacted me at work and after a lengthy discussion where I explained the situation, they agreed to take a reduced amount as Payment in Full. 

On or about XXXX XXXX, 2015, I received a letter from a XXXX debt collection agency claiming I owed the difference of approximately {$400.00}. The XXXX collection agency is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX account number with SCS is XXXXImmediately after receiving the collection letter from SCS , I called the number listed in the letter. I told them I had a letter from the initial debt collection letter proving that I had satisfied the payment in full. I was told that I had to submit the letter as proof. The SCS representative also stated that XXXX had not contacted XXXX XXXX XXXX to let them know that I had settled the account in full with a payment XX/XX/XXXX or XXXX 2015. After reflecting on that, that statement was false because how else would XXXX XXXX XXXX know I had made a payment? 
I requested and received a letter from XXXX that proved I had paid the account as agreed representing payment in full. 

About two weeks later, SCS contacted me with a second attempt to collect the amount of the debt that had been written off. I again called SCS. The first representative transferred my call when I told her I was recording the call. The second representative was very helpful and I relayed the account of what had happened and she gave me the same email address that I has used to send the letter proving I had already settled the account in full. I promptly sent the letter from XXXX XXXX as proof. 

On XXXX XXXX, 2015, I was notified that SCS had reported me as a collection notice to XXXX, which in turn negatively affected my credit score. 

The result I want to achieve with this complaint is for Sunrise Credit Services to rescind the debt collection notice to XXXX and any other credit bureau or agency to which they have reported me. 

Secondly, I would like for your agency to investigate SCS practices to determine whether they have treated other individuals as they have treated me.
Product: Credit card or prepaid card

On XX/XX/2020 I took a flight to XXXX XXXX heading to XXXX XXXX. I visited an atm machine with the name of XXXX/ XXXX  XXXX. I personally requested from the atm machine {$400.00} dollars American currency. The atm machine had a withdrawal fee of {$7.00}. I was immediately notified from my bank app of XXXX atm withdrawal. I immediately contacted US Bank after the notification on XX/XX/2020. After contact I stated that an over charge was charged to my account of XXXX. They filed a dispute against XXXX and must rely on their information therefore denying the dispute. I have no record of withdrawing amounts over {$400.00} on atm machines. All cash withdrawals over {$400.00} is not allowed in any us bank atm machines. As of XX/XX/2020 US Bank will withdraw the provisional credit provided. A second dispute has been opened as of XXXX.Travel notification was not set for the card. Fraud division failed to detect fraudulent charges on my card. How can such amount be accepted and not denied. This transaction is out of the normal for my activities.
Product: Student loan

I have been making payments for many years on my student loans to a company called XXXX. Then, last fall they sold my loans to Navient. At that time I owed approximately {$12000.00} - which XXXX records will prove. Now, when Navient displayed my balance with them, they claimed I owed over {$13000.00}. I was n't sure about the discrepancy, but while looking into it I made two separate {$1000.00} payments - I am working hard to be debt free. However, since then my balance has not gone down at all. I have sent them numerous messages to figure out the problem, but instead of being honest and crediting my account and adjusting the balance to what it should be, they are now claiming I owe almost {$15000.00}. They are clearly acting nefariously and have left me in a lurch - if I pay them I will be robbed of thousands, but if I do n't they will ruin my credit and keep charging interest. They are thieves and I do not want to deal with them. Please help me. I 've worked so hard over the last 5 years to get this debt out of my life and its meaningless now if they 're just going to steal from me and use these tactics to keep me from my goal. Anything you could do to help would be appreciated. Thank you for taking time to read this. I look forward to your response.
Product: Debt collection

I received 1 or more letter according to dynamic recovery solutions, that I owe a amount of XXXX I believe I have been scammed of money by the original collector XXXX XXXX XXXX XXXX XXXX  I have had problems with financial situations like this one and I do not owe this money
Product: Credit card or prepaid card

On XX/XX/2022 I did a balance transfer from XXXX for {$3200.00} which was correctly debited to my Barclays account. XXXX days later, on XX/XX/2022 another debit for the same amount appears on the activity. They doubled up the balance transfer and won't refund or credit the additional {$3200.00} to me. I have called XXXX times and always get a run around like call back later or that I'm mistaken. I have tried to resolve this but to no avail. Please help- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.
Product: Credit card or prepaid card

I received a suspicious letter on Kohl 's letterhead. The letterhead looks like it was scanned ( i.e. fake ) and the address is not the correct Kohl 's HQ address. 

The letter had my name, address, and last digits of my Kohl 's credit card so I suspect that my information has been hacked from the Kohl 's computer systems. The letter threatens to cancel my card unless I send my social security number to a po box in Wisconsin. The letter references the Federal Equal Credit Opportunity Act. 

I called Kohls to report incident. Customer Service did not seem concerned and actually sang to me. I tried to report to Kohl 's HQ and it looks like they deleted my report.
Product: Mortgage

I sold my property at XXXX XXXX XXXX, XXXX, VA XXXX on XX/XX/2019 and the mortgage company, Specialized Loan Servicing, was paid in full on that date. My Loan number with SLS was XXXX. 

The payoff amount of {$420000.00}. This payoff amount was good through XX/XX/2019 it included a daily interest calculation of {$120.00} and a late fee of {$150.00} in the event that the loan closed on XX/XX/XXXX. 

Since the loan closed on XX/XX/XXXX, SLS owes me a refund of 16 days interest and the late fee. I calculate the total as {$2000.00}. I have called SLS 5 times regarding this matter and they seem to act like they don't know what I'm talking about, or a different department handles it, but they won't transer me, or they are working on it and the check is in the mail. I have also asked to speak with a supervisor and was told that one would call me back within 48 hours and that never happened.

I have two requests. The first request is that I get my refund. My second request is that SLS be investigated for fraud because I believe that this is a practice for them and they are stealing lots of folks refunds because many people don't understand the process of getting a refund based on closing date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. I am not working with no credit repair company this is me and only me. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so, I am sure the removal of my information from your website will ensure my privacy rights wont be violated again due to my lack of consent and unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce. please see attached documents.
Product: Debt collection

Attempted to acquire written proof of debt as allowed by law. Company refused. Company refusing to take any payment less than the full amount or likewise. Company acting unprofessionally making threats to damage my credit. Company does not appear to be licensed in the state of California under assumed name and company refused to provide licensing information. Company tactics are meant to scare and demean person.
Product: Credit card or prepaid card

I observed an unauthorized charge on my account with a posting date of XX/XX/XXXX ( see attached statement for XX/XX/XXXX ). The charge was for a cancelled subscription service. The service was cancelled in XX/XX/XXXX because the service was no longer being used. The subscription was for XXXX XXXX XXXX. I immediately contacted Citibank via the credit card web site. In XX/XX/XXXX, I received a letter from Citibank replying that the dispute inquiry was received and was being investigated. The letter further stated that I am not required to pay the disputed amount including interest charges or fees while the dispute is being investigated. I have not received any additional correspondence from Citibank regarding this issue. The XXXX statement that I received yesterday has interest charges and is requiring that the disputed charge be paid by XX/XX/XXXX or additional late fees and interest will be incurred XXXX see attached ). This charge was not authorized and Citibank is requiring that the unauthorized charge be paid. Citibank is threating with additional charges and negative reporting to the credit bureaus for me not paying this unauthorized charge. Futhermore, the credit card is expired, so how can unauthorized charge been incurred anyway. Thanks. I sincerely appreciate any help that you can provide in this matter. Citibank has failed to respond to several attempts to contact them both in writing via USPS correspondence and messages left through the credit card account web site.
Product: Debt collection

This amount has been paid in the amount of XXXX of this year
Product: Checking or savings account

I made a payment to XXXX XXXX credit card on XX/XX/2022 from my Wells Fargo checking account. A few minutes later I called them back to cancel the payment, but the customer service told me that it was not possible and that I had to place a stop payment to the payment through my Wells Fargo checking account. On XX/XX/2022 my Wells Fargo account was overdrawn by {$4900.00} in the mean time I did not have any type of overdraft protection option to on my account to cover it.. Since I did not want the payment to go through I did not deposit the money needed to cover the payment. I waited for XXXX XXXX  of the morning of XX/XX/2022 and called Wells Fargo to put a stop payment to the payment of {$19000.00}. Wells Fargo customer service informed me that a stop payment is not effective when the payment is still pending, but since the payment had already dropped out of my account and the balance restored to positive, the agent was able to place the stop payment for future re-attempts. Since I had other payments and expenses the days following the charge I deposited money on XX/XX/2022 XXXX : XXXX XXXX  when my account was not overdrawn and that transaction was not in my account.. The same day in the evening I logged into my account and saw that they had paid the {$19000.00} for the charge that was presented a day before. I called Wells Fargo and told them that they had made a mistake by having paid a charge that was presented a day before. They apologized and assured me that it was mistake and that they needed to file a claim right away. A few days later I called to find out the status of the claim and they told me that the charge was authorized and they could not do anything even though I never disputed the charge as unauthorized but as a mistake of the bank, I even refused to agree to the disclosure they had read to as it did not apply to me as unauthorized charge dispute. On top of all that I was charged a {$35.00} fee for overdraft transaction fee which my account doesnt qualify for as it doesn't have overdraft protection option.
Product: Checking or savings account

First call was at my place of employment on XX/XX/2021, which introduced herself as XXXX XXXX XXXX XXXX ) XXXX, who claimed to work at a Law Firm XXXX XXXX XXXX  XXXX who represents her client as Bank of America who filed a civil case against me. I advised her that I have no recollection of opening an account and that I will have my attorney contact them regarding that matter. However, my attorney advised that the number was not working and that the number has been reported as a SCAM. This XXXX XXXX has now contacted my family members. Two other phone numbers which associated with XXXX XXXX and both does not work! ( XXXX ) XXXX & ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be deleted. 

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 XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I was scammed out of a {$1000.00} from my account on XX/XX/2022 at XXXX. I called Chime and they said it is out of their hands since I did the transfer. But during the scam I was told I was speaking with police and I was threatened with going to jail if I didn't do everything they said. 
I filed a claim with the XXXX and the bank still told me they can not refund my money. Shouldn't they have insurance for this sort of thing? Please help.
Product: Debt collection

I have a situation with an oldXXXX account which was falselyreported as a derogatory mark on my credit report. 

I had closed my account with XXXX in XXXX and transferred all my numbers to XXXX ( or so I thought ). XXXX was supposed to close and transfer all lines to XXXX as requested but kept their " Free '' service line that I received years prior ; on the original XXXXXXXX account and continued charging me which I did not know they were doing as my XXXX account was on auto pay. After months of paying I see a charge from them on XXXX XXXX XXXX  '' a money managing app that notifies me of all charges per week. Upon further investigation I realized I was being charged months after " closing '' my XXXX account. I contacted XXXX there after and explained the situation in which they took ownership of the mistake and refunded the money they took. 

A month after I realized the account was not closed AGAIN and they took money from my account and I had to contact XXXX XXXX XXXX to block XXXX from deducting funds from my account. I contacted XXXX once again and they took ownership of the " auto billing error '' and refunded the funds that they took and assured me that the account was fully closed as previously requested. 

This past week in XXXX I saw a derogatory credit report via XXXX XXXX XXXX stating I owed {$310.00}. After further investigation I was told it was from XXXX which is completely false because I do not owe any money towards XXXX. Take note ; no calls, letters & emails were sent saying I " owed '' during these months. Instead they just put a derogatory mark on my credit which is completely false. I contacted XXXX yesterday afternoon very very livid and extremely upset ( which I completely should be ) and explained the situation. The customer service personnel put me on hold after reading all the account notes on my account and stated that he would need to contact the financial department for investigation. After waiting on hold for a few minutes the phone disconnected and I never received a call back. 

Today I searched online for assistance via XXXX for people that had similar experiences with poor practices from major companies. I was recommended to report XXXX to FCC, XXXX XXXX XXXX XXXX which I recentlydid ) and to also email yourself because speaking directly to XXXX customer service is getting me nowhere and I am feeling like I am being lied to via phone and have been giving the " run around '' throughout these months. The icing on the cake is the billing department actually submitted a complete false report onto my credit report which should be illegal on their part.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX