23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX Collector is trying to collect from me a debt that does not belong to me. And refuses to remove false information from my credit report. Debt for rent at XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, I have never lived at this address or rented this property.
Product: Checking or savings account

Several disputes from the same merchant were credited from the disputes being resolved in my favor. Then Cash app started sending me emails saying that my disputes were paused because I needed to verify my identity and provided a link in the email that was sent to start the process every time I attempted this identify verification, it failed through no fault of my own when I contacted customer service asking for an explanation of this or for them to fix it and send me a new link or find another way they gave me no other resolution and told me they couldnt give me any other information regarding if there was a problem with my photos or my document that I use which was my license they did not refer to any issue or error regarding verification used. I have reached out to them every single day and attempt to a resolution and have not been provided one. I offered additional documentation to verify my identity, but was only told that I was already verified in the app and to just wait they kept on denying my disputes after every identification failure, and then following the email promptly after stating that my account was closed because I did not verify my identity several attempts were made to contact the merchant by phone and through chat and no resolution was found they keep telling me to wait and its being investigated, but they are doing nothing and its been weeks. Continuously failing my identity verification through no fault of my own and then denying my disputes and closing my account is in violation of the electronic funds transfer act. Please also note that since the very beginning of this issue, in the meantime, last six being today they have sent me an email saying that they denied my dispute because of identity verification failure when they were supposed to be fixing and finding a resolution to this and it still happening Customer service is nonexistent
Product: Debt collection

XXXX XXXX XXXX in cohorts with Pendrick Capital Partners LLC, claim I owe them a medical debt of {$960.00} as of XX/XX/XXXX. Just received this mail today that was dated : XX/XX/XXXX. Scam! I do not owe any debt.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous attempts to have fraudulent items removed from my credit report. Despite my repeated disputes and the submission of all necessary documentation, these fraudulent items remain unresolved. I have enclosed copies of all relevant documents once again for your reference. These items are not mine, and their presence on my credit report is causing significant harm to my creditworthiness and financial well-being. I request that you take immediate action to investigate and remove these fraudulent items from my credit report. If this issue is not resolved promptly, I will have no choice but to seek assistance from you and pursue further legal action if necessary. Please confirm receipt of this letter and provide a response within 15 days. Kindly help me remove the following items immediately : XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are hard inquiries from thd/cbna that I do not have acknowledged off or did to show up on my credit report. I have called the credit company for these application and accounts they have closed it and have done an investigation. The hard inquiries and credit card accounts are still showing on my credit report.
Product: Checking or savings account

I scheduled incoming transfer of {$5000.00} into ally savings joint account ending in XXXX from XXXX checking account for XX/XX/2023. But when i wanted to check that - Ally has no clues about that.
Product: Checking or savings account

An account was attempted or opened with my social security number it appeared on my credit report. They did not give any details accept it was applied for with my social security number!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FDCPA, specifically 15 US Code 1692 ( c ) ; this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect. In response to the Ceasing Communication Notice, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place. Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA. In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you.
Product: Money transfer, virtual currency, or money service

I have made a transaction with a stranger on XXXX XXXX. I bought a new XXXX XXXX which the listed price was {$180.00}. I drove to meet the seller and he asked me to pay in cash. I said I don't have cash so I used Zelle to send him money. He wanted me to send money to another person, another phone number. I sent him the money through Zelle, but realized that the product was fake ( not legit ). I have tried to contact the seller. He answered when I called at first, but told me that he is not the seller. I asked if he received my money and he told me that he will send me the phone number who actually received the money. I waited but he didn't text me back. I tried to call him again but he blocked me. I got scammed.
Product: Checking or savings account

Bank of America closed my account without any notice. I have been a customer of theirs for over 5 years. Now they have my money and I have no access to it. I am unable to feed my family, my utility bills are due and I also have my car insurance and car note payment due date coming up. This has put a halt to my life and cause me much anxiety. I have no one to go to who can support me or lend me money at the time. I need my money ASAP so that I can live my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and spoke with all three Credit Bureaus XXXX, XXXX, and Transunion about XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX credit cards being filed in BK XXXX. They have not made any changes to my file as XXXX XXXX  was filed in BK before showing charged off. How can you show a charge off when it was filed in BK? This is lazy on their part and their plan to keep you stuck in a system when you are trying to rebuild your credit. I will attach the file with the list of accounts that XXXX, XXXX, and Transunion is still showing active or has charged off on it. These accounts should show filed in BK and now we are passed my discharged  stage as the accounts are now discharged.
Product: Mortgage

I was contacted by Simmons Bank about refi. I informed the gentleman that I did not want to run my credit until he looked at our income and knew it would work. He said to send him a paystub and he would look at it. He replied and said the income will work. I told him to go ahead and move forward. After appraisal and pulling credit, the underwriter said the income would not work based on paystub and prior w2. If I would have known this upfront I would not have approved credit pull. Totally mislead.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 6, 7, 8, 9, 10 and 11 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card

I am filing this complaint because I think what happened was very deceitful and very dishonest I dont know whos part I would blame the most but I do know that what happened was wrong. On XX/XX/XXXX I logged onto Credit Karma and when I did I saw some eligible offers that were available to me. I usually dont pay them any mind when I login but I figured I would just glance through them to see what was out there that Credit Karma was saying I was eligible for. I scrolled down and saw an offer from XXXX and saw a {$400.00} welcome bonus was part of the offer. I proceeded to click on the link and follow the prompts and I read the card details rates and fees etc. at which time I was offered {$1000.00} with the {$400.00} welcome bonus and that you had to use the card XXXX times and open up a rewards checking account with XXXX to meet all the qualifications. I had clicked on accept this offer and the {$400.00} welcome bonus went away and a {$200.00} welcome bonus appeared. My credit report was not pulled at the time, so they can't say it was y credit that made them be deceitful. At that point I reached out to upgrade because I did not want to process anything until I got clarification of this welcome bonus. I spoke to someone there they stated that their system has been having some glitches and I would have to go to Credit Karma to get them to honor the {$400.00} welcome bonus when I asked why its an upgrade offer through Credit Karma he couldnt answer the question. I then asked to speak to a Supervisor which a team lead got on the phone and his name was XXXX he said there was nothing that could be done they do not offer the {$400.00} bonus anymore and he was sorry for any confusion. I asked to speak to somebody above him he said he was a team lead and there was nobody that would get on the phone above him to discuss this with me. I also advised him did he realize how serious this was by having a consumer like myself presented with an offer and the offer changed from $ XXXX {$200.00} he said yes but there was nothing that he can do other than send it through escalations which could take up to a week to get back to me. I was so upset at the fact he didnt seem to be bothered at all by what I was saying. On top of that he said they did not offer that promotion any longer and I went right back on Credit Karma site and it was still there the {$400.00} welcome bonus he as a team lead just lied to me about. I just really felt humiliated at that point because it felt like I didnt matter and nothing that I was saying mattered. With that being said I told him I would be filing a complaint and also at that point reached out to Credit Karma I emailed them and got a return email that they were forwarding the issue to a different department that was better able to handle my concerns. I have not heard anything as of today that I am writing and filing this complaint. 
I am attaching both screenshots as I let XXXX know I took screenshots of everything and how it unfolded right in front of my eyes. I dont think what happened to me is acceptable and also deceiving.
Product: Vehicle loan or lease

In reference to the multiple letters sent, I am disputing the total charges due to the fact that Hyundai Motor Finance is unethically conducting business. I paid {$600.00} to Hyundai Motor Finance. Also, the third-party insurance was sold to me by your authorized XXXX  Dealership and again the money was collected by Hyundai Motor Finance. We paid all monthly lease term payments on time, which is evident that we are orderly and organized when it comes to payments. Once I returned the car, I called Hyundai Motor Finance to receive an inspection kit, in order to file a claim with XXXX XXXX XXXX XXXX. We also forwarded the email to the insurance company on XX/XX/2020. 
Call Log : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXXXXXX XXXX  ) to XXXX XX/XX/XXXX ( XXXX XXXX ) to XXXX XX/XX/XXXX ( XXXX XXXX ) to XXXX XXXX Hyundai Motor Finance failed to provide the inspection kit multiple times and the reason they failed to send it was because, according to them, there was a delay because of COVID-19. In reference to the call log mentioned above, I essentially chased Hyundai Motor Finance to provide the inspection kit. I also called the insurance company but they told me I can not file a claim unless I have the kit to provide to them. Now I understand why Hyundai Motor Finance is unethically doing business because it seems like they are purposely delaying the information I need to provide the claim. According to the insurance policy, the claim has to be filed within 90 days after the car has been returned. Again, mentioned above, the car was returned on XX/XX/2020, meaning it's been six months since Ive tried to receive an inspection kit from XXXX.
Product: Vehicle loan or lease

I again am having issues with the redemption department requesting loan extensions to my vehicle. Just monday XX/XX/2022 I called before my account payment was due. I confirmed the accout was current. I also confirmed florida has a 14 day window where no late fees are assessed on car payments per jurisdiction law policy. My request for the redemption department was to extend the loan due to a natural disaster hurrican ian and the fema forced florida evacuations and closers. They began yesterday and my business is impacted. The rep was a nice gentleman who also lives in florida. He did the whole request and read the details if you listen disclosing that my extension due to the hurricanes details. I accepted this and it was submitted. Has the request for a payment extension been granted yet? Please confirm and recap this process with my loan status. I called chase redemption department at phone : XXXX from my phone on file ; monday XX/XX/2022 at XXXX XXXX  XXXX and the call logs duration shows duration 15 mins 7 seconds. Is this request granted?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX-XXXX-Balance {$0.00} XXXX  XXXX-XXXX-Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection for {$55.00} from XXXX XXXX XXXX in XXXX appeared on my report suddenly. I disputed with the collection agency, DCI, and they agreed to delete it. It has since appeared, been deleted again, and appeared again. It appears to be deliberate as they have outright ignored further requests to have the information removed.
Product: Payday loan, title loan, personal loan, or advance loan

I was applying for a refinance loan for my car. When documents came with agreement I did not sign because it was only for XXXX instead of XXXX and at a way too high of a rate. 

I paid back the amount they deposited automatically and they are still trying to collect now they want to garnish my wages.
Product: Mortgage

XX/XX/2022 My lender with XXXX XXXX XXXX, review my final Closing Disclosure over via phone also receive text of full Closing Disclosure also of Monthly Payment of {$1500.00}. 

XX/XX/2022 closed on my home with all the Closing disclosures docs the same as previously discussed with my lender on XX/XX/2022 with my first payment letter stating that Monthly payment will be {$1500.00}. 

XX/XX/2022 My Mortgage Loan transfer from XXXX XXXX XXXX to The Money Source. 
I received a letter in the mail, thats when notices a significant larger monthly payment of {$1700.00}. 

XX/XX/2022 I called XXXX XXXX and the Money Source multiple times to try to resolve this issue. 
. 
. A mistake was made on there side evolving the Closing docs they need to make it right. All Closing Disclosures are final at the closing table thats fair and the correct thing to do. 

XX/XX/2022 Ive also took this letter to the Lawyer that was present at the Closing table when I signed. 

XX/XX/2022 This issue is still not resolved. Filing a Complaint
Product: Debt collection

I had a timeshare over 10 years ago was paid off and I told them to keep the timeshare I do n't want it no more. I stop paying the maintenance fee each year. Timeshare said I was stuck with them for 30year which I was never advise about this or even sign any documents making me aware about a 30year. Anyway timeshare was paid off and I do n't want it at all. I have never use the timeshare which was a bad investment making me loose over {$10000.00}. Timeshare is with XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 credit Bureaus report and I noticed inaccurate information posted on my consumer report. The following are inaccurate items listed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$460.00}, XXXX XXXX XXXX Balance Owed : {$4000.00}, XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been going on for 18 months. Fed Loan servicing is incorrectly reporting payments. I consolidated my student loan with XXXX in XXXX of XXXX, paying off Fed Loan completely. When we went to buy a house in early XXXX, we found that they were saying I was 120 days late as of XX/XX/XXXX. When we submitted a dispute, they told us it was correct. I went to check the emails they sent to my mailbox on their system and they were no longer available because the account was closed. They continued to report it wrong until I finally a lawyer involved. So he started to challenge the entries on my credit report and every time he does, Fed Loan servicing reports to my credit reports erroneously which then lowers my credit score even more. This is retaliation because we want them to report correctly and correct their mistakes. Eventually, they correct the mistakes, but it does not correct the damage they have done. It has happen again where they are saying I am 120 days late as of XX/XX/XXXX when they were paid in full in XXXX of XXXX. 

This is costing me the chance to buy a house and thousands in high interest rates. I don't know where else to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX Employer : XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian Name : XXXXXXXX XXXX XXXXXXXX XXXX Employer : XXXXXXXX XXXX XXXX  XXXX XXXX KS XXXX Addresses : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Addresses : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiry : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting act XXXX XXXX Bank Account # XXXX, 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose