23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Update : as of XX/XX/XXXX Professional Debt Mediation Inc refused to provide information on the amount I owe by avoidance and falsely reported I missed a payment when I have not gotten a return phone call nor have I established contact with the company to verify the debt. 

False collection from Professional Debt Mediation INC. appeared on my credit reports on XX/XX/XXXX affecting my score during my home buying process. I never received notice from the debt collector and the final judgment was made in court stating I owe {$890.00} to XXXX XXXX XXXX in XX/XX/XXXX without me being responsible for fees and lawyers. This was after I was in my new home. I was not able to contest because they sent it to my old address and I paid my rent to the lady XXXX XXXX who took my money and said I didnt pay my last month rent. I found this out and called and a woman picked up the phone and said she doesnt work there. The property was cleared out and cleaned and I was out XX/XX/XXXX into my new place. The reason I moved is because they would not fix the plumbing so I call home code enforcement to come out and they did bare minimum to pass inspection and the plumbing was bad so after inspection XXXX started to come up in the tub and that is not sanitary. They refused to fix it so I let the lady know that on XX/XX/XXXX that I will not renew my lease and I will be out by XXXX. XXXX came I received a call from XXXX XXXX she said that their machine was down and she is collecting her tenants payments in cash to meet her by XXXX because she is on the way to another tenants home. I paid and she gave me a receipt. My debt was sold to a collector PDM INC and its reporting I owe {$5200.00} to the rental company. I disputed this and provided court documents to the credit bureaus and it came back accurate which it is not by the legal documents I have. The credit bureaus is reporting inaccurate information.
Product: Checking or savings account

( DO NOT CLOSE THIS ONE OR LISTEN TO US BANK!!!!! THIS ISNT A DUPLICATE!!! I am GOING TO POST A COPY OF MY BANK STATEMENT WITH THEM TO PROVE THIS DOES IN FACT BELONG TO THEM AND THAT THEY ARE RESPONSIBLE! ) So I contacted US Bank, more specifically their Dispute Center, to report the following transactions as fraud : XX/XX/XXXX - XXXX XXXX : {$280.00} XX/XX/XXXX - Transfer to XXXX XXXX  : {$320.00} XX/XX/XXXX - XXXXXXXX XXXX  XXXX {$350.00} XX/XX/XXXX - Transfer to XXXX XXXX : {$350.00} XX/XX/XXXX - Transfer to XXXXXXXX XXXX XXXX  {$350.00} XX/XX/XXXX - XXXX : {$260.00} XX/XX/XXXXXXXX XXXX XXXX : {$100.00} With those disputes they approved the transaction from XX/XX/XXXX from Transfer to XXXX XXXX  because I provided a detailed description of the fraudulent activities with said XXXX XXXX  account, to where any time Id get money on my US Bank account, they would do an Automatic Withdrawal, which I had no idea even existed, until I saw these transactions on my account. But because that one was approved in my favor, I figured the others would too, but they denied EVERY LAST ONE OF MY OTHER DISPUTES WHICH IS RIDICULOUS BECAUSE HOW CAN I PROVE THAT IT WAS FRAUDULENT BUT THE SAME THING KEPT HAPPENING AND YOU DONT APPROVE THE OTHER TRANSACTIONS THAT ARE JUST LIKE IT??? Even though I provided more proof than before???? Not only that but for the points purchases I literally sent in screenshots showing that these companies not only didnt provide me with what was purchased but ALSO deducted ALL MY EARNED POINTS OUT OF MY ACCOUNT FOR UNKNOWN REASONS. US Bank STILL gave the case in their favor I faxed all the necessary documentation, and they STILL denied my claims and made my account go in the negative I had my card used fraudulently. PROVE TO THEM IT WAS USED FRAUDULENTLY, and they STILL put me in the negative over {$1400.00}. GIVE ME MY MONEY BACK FOR THESE FRAUDULENT TRANSACTIONS This is a formal warning on a government regulated forum that allows public notation of my complaint, as Ive been advised by my attorney to give you all this last opportunity to rectify this situation or you all will be sued in a class action suit headed by others who have already gone through this, along with my own personal claim against you all.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX XXXX  against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

On XX/XX/2019 I received a Collection letter from the Collection Bureau of Hudson Valley , Inc. ( CBHV ). The collection letter states that I owe XXXX XXXX XXXX   a past due amount of {$70.00}. On XX/XX/XXXX I called XXXX billing department and spoke with Mr. XXXX. I told the billing person of the Collection letter.  After reviewing my current account bill and my previous account at my XXXX, NY. Mr. XXXX said all my bills are {$0.00} ( XXXX ) and I DO NOT have any past due amounts to be paid to XXXX. I then called the collection CBHV agency at XXXX and told the woman rep ( XXXX ) that I just spoke to XXXX billing and the billing person said I do not owe any past amounts to XXXX. XXXX told me that XXXX opened the collection process against me. I told XXXX that I never received a past due letter that I owed a past due amount of {$70.00}.
Product: Credit card or prepaid card

1. The unauthorized Transactions, from Bank of America debit and two credit cards, have been done by same account and with the same day. 
2. We have called about the fraud during processing and the bank take very long time to make the process.

3. The fraud on our first credit card has been solved but on the second one got rejected, which does not make any sense as they have been done through the same way and situations.

4. For security purpose, usually the bank call the customer when a large amount of transaction is transferred and they did not. This regarding the {$6700.00} ( the unsolved one ) - posted XX/XX/XXXX. 
5. The bank is saying that the unresolved fraud claim is coming from an authorized device, but gave 0 explication beyond that. We believe that we are being unfairly treated as we have not performed said transaction.
Product: Vehicle loan or lease

I went into XXXX XXXX and plan was discharged, Harley Davidson Financial Svcs still demands payments for amounts that are NOT VALID,, I make arraignments with this company HD Financial and they go back on our agreement and charge me monies that are not applied to the account balance.. I have made payments that keep my acct current, yet they say I am a month behind, I overpaid the monthly payment twice and got the acct current in XX/XX/year>, I made two payments in XXXX which would get me current thru XX/XX/year>, yet I am told I am a month behind,,, I made 6 phone calls to HD Financial this morning XXXX to clear this up and was hung up on 4 times, I did not cuss I wanted to gather information which was NOT given, then transferred without notice, then the next person hung up on me after yelling at me for over 2 minutes,,, I am on hold now as I prepare this form looking to get answers and make sure the Harley Davidson is not going to be repossessed for unwarranted reasons,, this is how HD Financial has conducted business for years,,,,,,,,,,, I believe they are directing my payments to an unapproved sector of the loan, so my payments do not reflect said payments,, and as I said, HD Financial Svs does not answer questions,, they talk over me and evade my direct questions,, I am not eligible for monthly statements because I went into XXXX  XXXX earlier this year,,, so the online acct information is NOT CORRECT and I have no statement to cmpare it to,, this is fraud and cheating me when I look to do honest business with these cruds and they choose to strong arm me with XXXX and not discussing pertinent business that settles the loan acct
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  and XXXX XXXX services several times concerning my inquiries and they have refused to remove the fraudalent inquiries and accounts off of my credit report. This is causing me major financial damage. Also XXXX XXXX Bank is reporting a fraudalent auto loan in my name. Navy federal credit union is also doing the same thing. I have been a victim of identity theft and all of these companies have failed to correct the inaccurate information. XXXX is also reporting collection accounts for student loans. These companies need to be made liable for iaccurate reporting and are violating my federal rights under all of the FCRA 605, 623, AND 611. IF INFORMATION IS NOT CORRECTED MY ATTORNEY HAS NOTIFIED ME WE WILL GO TO FEDERAL COURT FOR SERIOUS COMPENSATION AS WELL AS MY FEES PAID FOR LEGAL SERVICES.
Product: Mortgage

I have been paying my mortgage the same way with the same account number for years. In XXXX, just before XXXX I received an email from my bank stating that Primary Residential Mortgage returned my payment due to " no account ''. I immediately called the bank and PRMI twice. On the second call to PRMI, they informed me that they must have been updating the computers and to just manually send in a payment and it should be fine moving forward. I have since received several emails stating my checks have been returned. I have called PRMI multiple times with no resolution. The last representative I spoke to told me that me being upset was uncalled for, I was beside myself. This could be devastating to my credit history! I asked to speak to her superior and after a hold she returned to say someone was going to call me back, that never happened. I reached back out to my bank and a rep XXXX offered to do a XXXX call with PRMI and we have tried XXXX separate times on different days to complete a call yet nobody answers the phone now. I am in a desperate situation because my own mortgage company is not able to tell me why all of the sudden I do not have an account yet my mortgage has not been sold.
Product: Mortgage

Requested mortgage assistance with my mortgage servicer. I was affected by XXXX. 
I have lost my employment 3 times because of the pandemic. I want to keep my home. 
the mortgage servicer has turn down my request 3 or more times for the forbearance or mortgage assistance. I have spoken with customer service a lot of times. I submitted application with my income with request for mortgage assistance XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Looks like Experian is stating that Experian is exempt from FEDERAL Laws Fair Credit Reporting Act ( FCRA ) to exact. The 30 day mandate that Federal requires Experian to conduct a reasonable investigation has not been done by Experian. This repeat offender and violator of Fair Credit Reporting Act. has indeed caused harm to my life by way of willful noncompliance, recklessly violating my consumer rights tittle 15 United States Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Experian has told me that The Consumer Financial Protection Bureau is a joke and that they Experian will not follow any thing that the Consumer Financial Protection Bureau says, because Federal Laws does not apply to Experian at all. Experian says that it is Exempt because they answer to their private shareholders only and not a goverment agency. Experian says that any correspondence or disputes that come via CFPB website are not being investigated at all and are simply overlooked and sent back a reply to the consumer that its been verified when in fact nothing gets investigated. 

accounts are being reported as over the credit limit when these accounts have been closed /charged off for more that 7 years. these accounts should be off the consumer report. 

accounts that are closed are CLOSED. PERIOD ACCOUNTS ARE REPORTING OVER THE LIMIT WHEN IN FACT NOTHING SHOULD BE REPORTED ON A CLOSED ACCOUNT CHARGE OFF ACCOUNTS ARE REPORTING ACTIVITY WHEN IN FACT THEIR ARE DEAD ACCOUNTS FROM THE XXXX XXXX XXXX XXXX XXXX. 


ACCOUNT XXXXXXXX XXXX ACCOUNT XXXXXXXX XXXX XXXXE ACCOUNT XXXX XXXX XXXXE ACCOUNT XXXX XXXX XXXX THESE ACCOUNTS HAVE NOT BEEN REASONABLY INVESTIGATED. SPENDING 10 MINUTES ON INVESTIGATING AN ACCOUNT IS UNREASONABLE. THERE IS REAL PERSONS TO TALK TO, THERE IS PAPERWORK TO BE LOOKED AT, CONTRACTS TO VERY SIGNATURES, WITNESS TO BE DEPOSED UNDER OATH OR STATEMENTS TO BE DECLARED. NON OF THIS REAL INVESTIGATIONS CAN BE DONE IN 10 MINUTES. LOOKING UP FRAUDULENT, ERRONIOUS INFORMATION WITH THE XXXX XXXX SYSTEM IS UNACCEPTABLE I DEMAND THIS GET FIXED PRONTO. 30 DAY OR LESS AS FEDERAL LAW MANDATES PERIOD.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS REAPPLIED ONE ACCOUNT THAT WAS DISPUTED/DELETED WITH XXXX XXXX XXXX THAT NOW SHOWS AS BELOW ON MY CREDIT FILE : XXXX XXXX {$0.00} Closed 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX XXXX XXXX {$0.00} {$750.00}
Product: Debt collection

I purchased a phone and ipad from XXXX XXXX. Both devices were returned, and the services were never activated. XXXX XXXX automatically started charging for phone and data services, even though the services had not been activated and the phone/XXXX  were returned without even being opened. 

Issues- XXXX XXXX Financial Department is always closed, despite messaging, and they don't answer the phone. I spent hours trying to resolve this issue over chat on two occasions and then by phone on a third try. This process takes hours and was almost impossible to resolve, despite my efforts. - XXXX XXXX automatically created phone accounts and started charging for services that were never activated, simply for purchasing hardware products from their website. When the hardware is returned ( unused ), XXXX leaves the phone/account open and starts billing for phone/data plans without activating the services! They even send notices that the phone number needs to be activated, and they are billing at the same time! 

They also tried to force me to create an online account ( and accept terms to entrap me ), - just to " work with me '' to resolve the issue. Completely inappropriate! I did not want an account and the devices were returned within the 30-day required period, unused. 

Eventually, XXXX credited the account that was NEVER ACTIVATED, but not before sending it to a creditor for collection! Outrageous and completely corrupt business practices. They should not be sending bills and charging for services never used or activated and the related hardware products already returned!
Product: Money transfer, virtual currency, or money service

Wells Fargo Bank reported to the Social Security Administration that they had or have sent me an actual check and reported me to the social security administration as Income Therefore the Social Security Administration has been penalizing me into payiing this money back to the XXXX as overpayment and me not reporting it as income, The amount is to be {$5200.00}. 
I have asked Wells Fargo Bank to send me a copy of the check they gave to the XXXX which I also asked the XXXX for a copy of the check, to no avail from both offices. 
as of this writing : XXXX XXXX. 
I believe this matter has been going on now since about XXXX after several calls to both entities. 
I can provide more details on dates and several persons names of both entities. 
Your full and prompt cooperation in this matter will be greatly appreciated. 
Sincerely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was given a XXXX survey about their business practices and when the survey was complete I was told I would be given a {$500.00} dollar gift card from XXXX but they needed me to pay for the shipping of the card and they told me the shipping of XXXX gift card would be {$1.00} and I would need to use my credit or debit card. I submitted the debit card information and instead of the {$1.00} I was given this information that I could contact XXXX and their phone number was XXXX ( XXXX ) XXXX I immediately knew something was wrong because it did not indicate that I would be receiving the XXXX gift card. All of this happened on XX/XX/XXXX. I went to my Key Bank app and checked my checking account on XX/XX/XXXX and this premium device company was not on my checking account but another false company called XXXX pro shop XXXX and the took out {$160.00} and I did not authorize either of the false companies to take out of my bank account any money. I also on XX/XX/2023 tried to contact the premium device company and I attempted 8 times and was put on hold and then after 10 minutes the company hangs up on you. I submitted my complaint immediately to Key Bank and I gave them all this information. I was not given a provisional refund from my bank and they closed the complaint saying it was determined that the transaction was processed properly.During this time I had spoken to Key Bank employees who work in the fraud department their names beginning with XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX and XXXX and XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX and lastly XXXX on XX/XX/XXXX I gave all of the employees this information about the scam and fraudulent use of my debit card. They have denied once and I reopened the case with XXXX. I should have been given the provisional refund. I am submitting my complaint to you today XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my information and I am now vulnerable to fraud. I had to find out through an article online instead of being notified by them. There has not been an offer to monitor my credit and accounts, which I find very unsettling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my credit report and notice that incorrect information is being reported on my credit report. I contact the credit bureau and they refused to remove invalid addresses as I am afraid of identity theft. They informed me that I needed to submit a copy of a piece of mail along with identification and social security card and was told to fax the information but the fax number that I was given was not working. So I tried calling back to get my information updated and was told to send in the requested information so they did not fix the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX I am filing a claim against these reporting agencies for falsely having wrong information on my credit report making it hard for me to have a better life. I have tried to communicate with them will not return my calls XXXX ask for my information says it wrong so I can't get in my report
Product: Credit reporting or other personal consumer reports

I discovered several inaccuracies on my credit reports from Equifax, XXXX, and XXXX that have not been resolved despite submitting disputes to the credit bureaus. These errors include incorrect reporting of late payments, charge-offs, and account closures. Specifically : XXXX XXXX : This account was reported as a charge-off, but the charge-off date is incorrect. The account was settled in XX/XX/XXXX, but it is still reported as a charge-off through XX/XX/XXXX. 

XXXX : There are inconsistent late payment reports for XX/XX/XXXX. XXXX reports the account as 60 days late, while Equifax reports it as 30 days late. 

Dept of Education ( XXXX ) : Multiple accounts under XXXX are reporting 90-day late payments for XX/XX/XXXX, but the reporting of prior months ' statuses differs across bureaus ( some report " OK '' while others show " XXXX  '' ). 

XXXX : This secured loan account was settled in XX/XX/XXXX, yet the derogatory status continued to report until XX/XX/XXXX, which is inaccurate. 

XXXX  XXXX : This credit card was closed due to inactivity, but there are discrepancies in the reporting of the last payment and activity dates across the bureaus, leading to inaccurate reporting. 

I have contacted the credit bureaus to dispute these inaccuracies, but they continue to report conflicting information. I am requesting that the CFPB help facilitate the removal of these errors from my credit reports as they are impacting my creditworthiness. 

Actions taken : I submitted formal disputes with each of the credit bureaus regarding these inaccuracies. 
I provided supporting documentation to the bureaus, including settlement confirmations and payment records, to prove the errors. 
Despite this, the errors remain unresolved. 

Disputes were submitted to the credit bureaus all of XXXX The inaccuracies date back to between XXXX and XXXX, depending on the specific account.
Product: Debt collection

I sent them a 2nd letter. on XX/XX/year>, because they send me another letter twice. I received one on XX/XX/year> & XX/XX/XXXX XXXX they same type of letter but witha different layout. Buthave not reeived the information requested to verify the debt, as i dont know who these people are acct # XXXX new id 's on these 2 letters id : XXXX.
Product: Credit reporting or other personal consumer reports

I disputed my personal information with TransUnion on XXXX. I also followed up with more requests to correct my personal information. The following credit files are not mine and need to be removed immediately. I've been offered no corrections to this fictitious information that they have on my report. I don't believe that they are following the law. I want the false information removed as soon as possible. This information is spoiling my credit worthiness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX
Product: Bank account or service

in XX/XX/XXXX I received a letter from regions bank which stated I had a certain amount of time to elect overdraft coverage. I assumed by not responding I would not have to do anything further since I did not want that coverage. In early XX/XX/XXXX my account was short by about XXXX dollars which snowballed into over XXXX dollars in overdraft fees. When I discussed this with a bank rep I was informed that I was automatically enrolled because I did not respond to the letter. I learned that regions was fined for this practice but is continuing to engage in this activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I had this credit card and it was active, a purchase was made by someone that was NOT me, and I called the credit card company and told them I never shopped at the store that was being shown. That purchase that someone made using my card, set me over my credit limit. I sent the credit card company the paper they requested I fill out explaining what happened and how it wasnt me and they never did anything about it. I told them I was not making payments on my account until that fraudulent purchase came off- they never took it off and then eventually closed my account and sent it to collections. Which is where we are at with it now. This wasnt my fault and it is still negatively impacting my credit.