23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credence Resource Management , LLC. is falsifying dates of acquired debt. Received correspondence since XX/XX/XXXX. The creditor is stating that they never had the debt until XX/XX/XXXX. They are falsifying dates and claiming that another creditor bought the account from them and they then purchased it back from another collection agency. There is only letters coming from them throughout XXXX. They refuse to correct the date they acquired the debt. They are not representing the debt accurately. It posted to credit Bureaus as a new debt in XXXX of XXXX due to disputes that are being made. The equipment was returned to XXXX XXXX XXXX so the debt amount is incorrect. The collection agency is playing the date game so they can hold on to the debt longer. I offered a payoff amount as well which is more accurate to the total owed and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft due to a massive data breach via XXXX and other agencies. My personal information was compromised and accounts and other items were opened in my name. I attempted to resolve the issues with all three credit reporting agencies. Even after submitting police reports, FTC affidavit and other items, the three credit reporting agencies refused to removed the erroneous accounts from my consumer report.
Product: Payday loan, title loan, or personal loan

In XXXX I entered into a payday loan with XXXX XXXX to help a family member. In XXXX the family member died and I tried to make a few payments on this loan and then it became impossible. In XX/XX/XXXX I learned of the fraudulent practices in use with XXXX XXXX and then it's subsequent shutting of it's doors. I then began receiving calls from another company called XXXX about the XXXX XXXX loan. I sent a letter to them explaining the situation and questioned the legality of the XXXX collecting etc. I received nothing in return. In XX/XX/XXXX Indiana 's Attorney General XXXX XXXX found in favor for the people who were taken advantage of by both XXXX XXXX and XXXX and the companies were made to forgive all loans issued in the same period of time as mine and repay XXXX XXXX dollars to Indiana residents who were taken advantage of. In the last 10-12 weeks I have been getting phone calls from a collection company stating it is from this XXXX XXXX loan. It is called XXXX XXXX XXXX XXXX out of XXXX XXXX NY XXXX XXXX, XXXX. They are saying I owe them XXXX and some change. They said that if I did not return calls they would notify my job, my references, etc. I called them to today and spoke to an XXXX XXXX. She became somewhat apprehensive when I began questioning her about her licensing, the facts from the Indiana Attorney General 's office, The XXXX etc. she was not mean or rude but frustrated I believe. I do not know where to turn. I am wondering if it is legitimate to start with considering all of the legal woes. I am in Indiana and not sure what I should do. Can you give me any advice? 

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

XXXX XXXX XXXX ( XXXX ) ( XX/XX/XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX, under the account number ( XXXX ), a business loan account opened at XXXX XXXX  XXXX XXXX XXXX under the account number ( XXXX ), and a telephone service account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Hi. 

I have been trying to get my account balance restored due to an error on PayPal end. I have done everything I can to proof that my account was flagged in error. I am now being told that I have to wait until 180 days is up from when my account was limited which is XX/XX/XXXX. That date is completely over 180 days as my account was limited on XX/XX/2021. So if PayPal is not going to release my funds now. The correct date of release should be XX/XX/XXXX. I would like PayPal to review all documents and release my account ASAP or correct the release date to XX/XX/2021 as XX/XX/2021 will be well last 180 days. 

PayPal has caused a financial burden on my end and I hope they act in good faith and release my funds earlier. This will be my 3rd attempt to show them that I should not have been flagged.
Product: Debt collection

I received a very aggressive and threatening call stating that Ace Cash Express would take me to " Immediate proceedings Court '' or locate me at my home or place of employment, they gave me a case number and stated that they are planning to sue or take criminal action, I have XXXX XXXX and its triggered a XXXX XXXX
Product: Debt collection

Dear Sir or Madam ... I've been requesting the information for the Debit for a couple of months now ..I received a typed letter with the collection agency name on the heading stating it was the Bill ... so I went on Identify Thief.gov..and processed the paperwork requesting this information ... I sent to the Reporting Agency XXXX and to the Collection Agency ..United Revenue Corp ... XXXX opened up a dispute with my documents..I reached out the collection agency and was told they wouldn't be sending me any information and there wasn't anything else they could do for me and will continue to report to the credit bureau..I had my documents including my ID.. ( driving license ) .. Notices to Furnish., and Identify thieft report notized but my bank .. Requesting documents..I was told they don't have it and won't be sending me anything.. Reporting amount XXXX.this is not my account ..I have no contract with either company XXXX XXXXXXXX XXXX XXXX or United Revenue Corp .. Reporting date XX/XX/2013 5 years ago
Product: Student loan

To whom it may concern. I put in a school misconduct application, and XXXX ( XXXX ) Mohela denied my application when it is clear as day that they are over charging on a XXXX dlr loan and it's XXXX dlr. The school I attended was XXXX XXXX ( XXXX ) XXXX XXXX, it's so obvious of the fraudulent activity, everyone changes their name. All my loans was in the class action lawsuit, XXXX XXXX XXXXXXXX, XXXX ( A.K.A ) XXXX XXXX, XXXX XXXX XXXX. I am on a fixed income where I get a XXXX check I can not afford anything. I have a mental health issue caused by my financial status. Then XXXX has the audacity to flag my credit this is ridiculous.
Product: Debt collection

On XX/XX/2020 Western Union took out {$500.00} from our checking account via ACH for no reason. On XX/XX/2020 I filed a complaint with Western Union to get my money back. We do not use Western Union to pay bills. We use Western Union to receive money via quick collect. I have called 4 times and the only response I get it is being escalated. On XX/XX/20 I talked to operator XXXX  who stated I will have an answer in 2 days and to call back. I called today XX/XX/20 and the only thing they say is being escalated now to the bill pay department. I have been on the phone for 38 minutes with no resolution. I want my {$500.00} back plus interest from XX/XX/20 as well as an apology for taking out my money without permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX SER Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

LVNV sued my in court for a medical charge and upon going to court, they did not show up for court and case was dismissed on XX/XX/2024. XXXX on credit report has not been updated.
Product: Checking or savings account

This is regarding a banking institution known as the Bank of the West. I opened a checking account two months ago. The account held an appropriate balance until The COVID-19 Crisis consumed the entire world. My only source of income, the XXXX industry in XXXX XXXX CA, has been closed for the foreseeable future. There were a small number of checks written just as this virus descended on the United States. My checking account became overdraft as I have no money available to me. I called the bank directly, telling them that I would like for the account to be closed given the situation. I was told by customer service that the account can not be closed until the account is brought current. In the meantime, they are charging multiple fees each and every day for these checks. This seems unjust business practice. The country is closed down and thousands of people have lost their jobs. in fact, they have no way to feed themselves. yet the Bank of the West continues to make money on the less fortunate. Threatening that until they are paid in full the fees will continue for 45 days. At that juncture, they state that they will send the account to collection. This seems illegal and unethical. May I please ask for your help. Thank you.
Product: Checking or savings account

I established a checking account with XX/XX/XXXX In order to set up direct deposit, the State of Florida requires a bank representative to sign the State 's form confirming the account information is correctXX/XX/XXXXwanted to charge me {$35.00} to sign this form. This is a bait-and-switch tactic because no such fee to set up direct deposit was advertised at the time of account opening. The account opening process was very lengthy due to a glitch in the website, and I have had two weeks of my time wasted only to find out that the account has hidden fees. This bank has deceptive marketing practices. Other consumers beware, stay away from this bank.
Product: Credit reporting or other personal consumer reports

These late payments are not representative of my consistent payment history. Kindly remove them and update my account right away.
Product: Credit reporting or other personal consumer reports

I appreciate your prompt attention to my previous request regarding the removal of a fraudulent inquiry from my credit file. However, I've identified there were still remaining discrepancies that require immediate resolution. I am a victim of identity theft, and in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I kindly request the removal of the following items within four business days from XX/XX/XXXX : *****EXPERIAN***** XXXX XXXX XXXX  # XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. And additional discrepancies were newly found in the Equifax and XXXX reports : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX These discrepancies were not present in other bureaus, and I doubt the accuracy of the reported information. I have enclosed the relevant information, including another FTC Report ( # XXXX ) and a letter addressing the XXXX report issue. My attorney is aware of my intentions, and we are prepared to take legal action if these issues persist.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX has stated again that the information on my account # XXXX is correct but they are wrong because I have sent them proof of payment of my Insurance along with the Declaration Pages. Both XXXX and XXXX XXXX mortgage have fraudulently tried to take more money from me on an Investment property through Escrow that is more than XXXX times the price of the insurance that I pay for the property. I want XXXXXXXX XXXX to erase the Escrow immediately before I am forced to file a lawsuit against the company including criminal charges of fraud. As you can see from the paperwork including my refinancing of the property in 2020, that the insurance was paid every year
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with CFPB in XXXX of 2020 asking that Cardinal Financial remove a negative mark on my credit. The response came back from them stating that they would take care of it. This was at the beginning of XX/XX/2020. They stated that it could take up to 90 days to have the negative mark reported and removed from my credit. I have checked my credit and it is still on the report. I have tried to contact Cardinal Financial and am put on hold for over an hr each time with the result of not speaking to anyone. I would like for them to get this removed from my credit as they said they would from my last claim suggested when I filed with CFPB. I am highly disappointed in the lack of customer service with Cardinal Financial concerning this issue.
Product: Debt collection

Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet. I have no clue about whose account this is!
Product: Mortgage

XXXX. On XX/XX/XXXX I sent an email ( as I was instructed ) to XXXX Good morning, Before I can register a XXXX that I purchased, XXXX XXXX XXXX XXXX requires proof of satisfaction of a prior loan for this property. They informed me that a loan in the amount of {$100000.00} was taken out by XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX through XXXX XXXXXXXX XXXX ( now FNB ) under Batch XXXX. 

Please forward this signed documentation to me either in pdf format to my email XXXX or mail to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. The same day, XX/XX/XXXX I received this response from FNB : Hello, We would need the customer to reach out to us for their satisfaction. Unfortunately, we can not give out any information regarding other customers loans. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX Mail XXXX : XXXX XXXX XXXX. Later that same day XX/XX/XXXX I replied to their email and have not received any response. 

" Consumer Financial Protection Bureau section 1024.36 Requests for Information. Specifically section i. I am a person with a successor in interest as I have now purchased this property and are required to verify that it does not have an outstanding loan. I can provide bills of sale, copies of my ID and whatever else you may need to validate my claim. 

Thank you for your assistance, XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

So the company AFFIRM INC/Affirm Loan Services . has a charged off on my affirm account for Loan XXXX and reported it to the credit companies such as XXXX, etc. before the 120 day mark and they did not provide me with a 1099C and I paid them the remaining balance and they will not removeor delete it off none of my credit reports even though I paid it off and say they did not report it to the credit bureaus but they did and I want to sue them for statutory damages because under the FCRA, I can seek statutory damages if a creditors furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming I owe the debt.
Product: Debt collection

I am in need of help because I am being harassed by a debt collector who is repeatedly calling me after I told them that it was an inconvenient time to call But they didnt stop there. I have a recording. Of me telling them its a bad time for them to call. I also have screenshots of them calling day after day at the same time. Making me feel uncomfortable. 
I looked up this law 15 USC 1692 who is the FDCPA and in section 1692c ( a ) ( 1 ) it says. At any unusual time. Or place or a time of place or which should be known to be inconvenient to the consumer in a absent of knowledge or circumstances to the contrary a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX  XXXX  and before XXXX XXXX XXXX  local time at the consumers location Which means that if I told them it was not a good time they should know that the Time they called me was inconvenient They also violated me again under the FDCPA
Product: Credit reporting or other personal consumer reports

The credit reporting agencies are committing identity theft, they are using my personal informatiomn for their monetary gain. per 15 usc 6802 through 15 usc 6805.

As well the financial institutions that furnished the information to the credit reporting agencies never gave me a chance to opt out of them reporting my personal information therefore id like to take this time to officially opt out of the Accounts listed in the attachment.
Product: Mortgage

I have been struggling with Mr. Cooper Mortgage company for 2 consecutive years. In the year of 2017 I paid the Property tax and home insurance, and sent proof of payment to Mr. Cooper of such payments. They tried to charge me for property taxes and home insurance claiming that i had not payed and that they had to pay for my home 's property taxes and insurance. The issue was not resolved until I submitted a claim with consumer affairs and they where able send Mr. Cooper the proof of payment I had previously sent them in order to stop Mr. Cooper from trying to raise my monthly mortgage payment to pay Mr. Cooper 's Property tax and insurance charge. Beginning in XX/XX/2017, Mr. Cooper has began to charge me for Property Taxes and Insurance. I have Spoken with and sent Mr. Cooper proof of payment for Property taxes and Insurance, in order to avoid there charge added to my monthly payment but I have not had success taking that monthly charge away with the proof that was sent to them. I have reached out to consumer affairs for the second time in order to help me resolve this issue. They have recommended I submit a complaint with the Consumer Finance Bureau. Since they also believe I should not have to go through the same problem again.
Product: Debt collection

I contacted XXXX XXXX XXXX several times to indicate I would not be renewing my lease. XXXX XXXX XXXX never responded. An end of lease walk through was never completed. I moved out of the residence per my lease agreement. XXXX XXXX continued to charge me rent after I moved out. XXXX XXXX is also charging me for other erroneous fees they state I incurred AFTER I moved from the residence. I provided XXXX XXXX with documentation showing I moved from the residence per the lease agreement. XXXX XXXX never responded. XXXX XXXX then sent my account to collections. I told the collection agency about all that occurred and provided them with documentation to back up my claims. The collection agency said I didn't provide enough information which I do not agree with. If the documentation was reviewed by the collection agency, they would clearly see I moved from the residence and all my claims against the charges are accurate. After I requested the documents to be reviewed by the collection agency, they contacted me without having reviewed the documentation I provided and stated I needed to begin a payment plan even though I do not owe XXXX XXXX the money they are asking for.
Product: Credit reporting or other personal consumer reports

I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. Details of Disputed Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRAs permissible purposes. Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account is showing open on my credit report, this account was previously closed on my credit report, I disputed this item with all XXXX credit bureaus and it still shows open, it keep being sold to different collection agencies and showing up on my credit reports, XXXX I disputed this matter, this account shows actively open and being reported on my report each month, last report shows XXXX XXXX, this account need to be closed and not reported to the credit bureau each month. 

XXXX XXXX XXXX This account is showing closed on some credit bureaus and open on some, I have previously disputed this and the account was closed and the reported was stopped and then it was reopened, this account is actively reporting to the credit bureau and last report was on XXXX XXXX, XXXX, this account need to be closed and stop actively reporting to the credit bureau.
Product: Credit card or prepaid card

Ordered XXXX for a trial offer of {$29.00}. The website states " 100 % Money Back Guarantee '' and " Hassle-Free '' returns. On homepage of their website there is NO hyperlink to review details of either statement. The credit card company has closed the issue without refunding any payments taken from XXXX. XXXX refuses to accept the product ( s ) for refund, XXXX refuses to refund my money, XXXX refuses to accept the product to be returned. Schools failed to pursue due diligence prior to closing this dispute.

I have additional attachments ; however, due to size am unable to upload documents. Please advise