23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a final incorrect invoice from XXXX, dated XX/XX/XXXX after cancelling my service with them and returning all of their equipment on XX/XX/XXXX. Upon receiving the invoice I tried unsuccessfully to get the balance corrected by phone but eventually ( XX/XX/XXXX ) had to go in person to one of their offices with all my paper work, which proved that the service had been terminated and their equipment returned on the dates I had claimed they were. One of their agents reviewed my account and the paperwork I had brought in, decided I was correct and put in for a credit to remove the overcharges. Two days later ( XX/XX/XXXX ) I received an email from XXXX acknowledging that I had received a credit for {$93.00} which would be reflected on my next invoice, leaving a balance due of {$0.00} on my account. When I did not receive a next invoice, I went online and printed out the final invoice which did show the both that the credit was issued, and applied to my account and that the balance due was now {$0.00}. Despite this I was contacted a short time later ( XX/XX/XXXX ) by a debt collector, ( XXXX XXXX XXXX XXXX   XXXX, XXXX. ) hired by XXXX requesting payment on the original amount. After sending all my paperwork to them they dropped collection efforts. Three months later I received a new collection letter from a new collection agency, CBE Group, dated XX/XX/XXXX for the same {$93.00}, XXXX 's billing error, which they had corrected on XX/XX/XXXX. On XX/XX/XXXX I sent in all the same paperwork, proving that there was no debt with a letter explaining the situation to CBE, however instead of dropping the matter they have continued sending me collection letters for the original amount the latest one dated XX/XX/XXXX. 
The debt collector trying to collect the fictitious debt is : THE CBE GROUP , INC . 
XXXX XXXX XXXX XXXX XXXX, IA. XXXX
Product: Credit reporting or other personal consumer reports

I woke up this morning and noticed a drop in my credit scores and was shocked because ive been spending the last few months trying to remove all fraudulent activity that started from when i had lost my drivers license. After checking my credit reports i noticed an account that was removed before was added back onto my reports under a different name. The account is XXXX XXXX XXXX XXXX XXXX XXXX the amount that shows on the account is {$1100.00} and account number is XXXX.
Product: Debt collection

I have filed a complaint about Goodleap before. They are threatening to hurt our credit. We have had to move into XXXX XXXX  due to my XXXX that I was diagnosed with approximately 10 years ago. They put a lien on our house immediately after paying the huge loan to pink energy that was done fraudulently and knowing pink energy was failing. Both of are elderly and I believe we were targeted due to our age, our lack of knowledge, my XXXX and the fact that we owned our home. XXXX XXXX and Goodleap could only win. XXXX XXXX got all their money snd Goodleap will get most of our life savings we out in our home and now we need to sell it and no one will touch it because of the over XXXX loan. They are good at twisting it so it sounds like its a problem with XXXX XXXX when the problem is if their tactics of easily giving these huge loans we cant pay. Two companies win and we lose everything because they lie and cheat. We were targeted for this loan. We ask to be released from this loan due to all this. Goodleap has the attorneys. They have the money. They have everything they need to get the money back from XXXX XXXX. We dont and cant. I know pink energy filed bankruptcy but Goodleap has the wherewithal to fix this. Please help us out of this nightmare we are in.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accurate reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There was some incorrect information on our credit report. I filed a dispute with Experian, and received an email that the dispute was resolved. I went to their Web site, and when I tried to get a new copy of my credit report/score, they want to " upgrade '' my membership and charge me {$1.00} to see my new report/score. 

I called the phone number provided, but was unable to get through their VRU to talk to a person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve these issues with the companies but i have not been able to get anywere. The following account are not mines : XXXX  XXXX/XXXX  {$210.00} XXXX XXXX/XXXX   {$260.00} XXXX/XXXX {$310.00} XXXX/XXXX XXXX {$440.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX/XXXX XXXX {$760.00} XXXX XXXX XXXX {$890.00} XXXX/XXXX  {$0.00} XXXX/XXXX  XXXX {$1100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
{$1100.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps changing the dates of old debts, refuses to investigate correctly and update my file correctly, drops my credit score for no reason. The internet is full of similar complaints from other people.

I am not able to access my credit file online, which is very frustrating. I should not have to wait for a report to come in the mail!

Equifax is not being held accountable. My XXXX report is correct, not sure why Equifax has such huge issues.

See complaints : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I lost access to an email that is used to verify access to the Coinbase Vault. I put in a support ticket on XX/XX/2020 and Coinbase has still not resolved it despite repeated attempts to cointact them. The one response I did get was about a month ago and say, " We can see your case is on the right track, thanks for your patience as our team works through the queue. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my score or there was a breach. Opened a XXXX XXXX card in my name. Charged close to {$12000.00}. Now my credit score has plummeted!
Product: Checking or savings account

In XXXX I added my account to XXXX XXXX, then around the XXXX my account was compromised and someone sent themselves money it happen again the next day while I was waiting to dispute the 1st charge for a total for {$230.00} stolen. I attempted to call XXXX  but they did not do anything so I called my bank, capital one and filed a claim they denied the request due to Due to electronic activity or login history. Which still does not disprove the fraudulent activity that occurred on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have created over 5 disputes with Experian, everytime I get the results back they can never give me information on the dispute. XXXX is showing the account as closed, but when I reach out to Experian they tell me I have to submit a dispute and they never close the account to match XXXX.
Product: Student loan

My husband has been paying on our XXXX XXXX loans via Mohela and they have not posted. Yet, interest continues to accrue. 
We were put on administrative forbearance and yet interest continues to accrue and was told it wouldn't due to Mohela 's error in sending out statements. 
. 
We also applied for the XXXX XXXX in XX/XX/2023 and it is still processing. 

Incredibly long wait times on phone waiting for customer service at Mohela. Email responses to questions are " canned '' and do not answer my questions.
Product: Credit card or prepaid card

On about XXXX, XXXX closed my credit card account without my permission and it does not refund me annual fees. I just opened this card account for only three months and rarely use its benefits.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX did not disclose I had to pay an ending fee to the lease. I paid upfront onetime payment for all costs. When I spoke to XXXX XXXX at corporate, they stated they have had consistent problems with the sales representative by not disclosing in full details to other customers. We are talking about around {$650.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVE PLACED A CREDIT FREEZE ON PROFILE AND ACCOUNTS CONTINUE TO BE OPENED IN MY NAME. HAVE REPORTED IT TO XXXX XXXX, XXXX, XXXX AND NOW XXXX  XXXX. WITH ONLY XXXX XXXX REPORTING INQUIRY AND ACCOUNT AS FRAUDULENT AND NOT ON MY CREDIT REPORT. THE OTHER COMPANIES ARE STILL REPORTING AS IF OPENED AN ACCOUNT THAT WENT BAD.
Product: Debt collection

I have a medical bill from hospital known as XXXX ( XXXX ) account number XXXX. I been making my payment accordingly. 
The balance I have to pay to the hospital is remaining only $ XXXX to my surprise I noticed that a dept collection agency know as MIRAMED REVENUE GROUP is placing same account under collection in the amount of {$160.00} while I am still making payment to the original creditor XXXX ( XXXX ) I attached copies of the payments made to the original creditorI am requesting that MIRAMED REVENUE GROUP remove the false statement they noted on my credit reports XXXX -- XXXX -- XXXX
Product: Student loan

My student loans have been transferred to Nelnet, however when navigating the Nelnet website and attempting to setup an account to begin the process of repayment I receive the following error : our information doesn't match our records, or this account already exists. Here are next steps : Ensure you've entered your information correctly. 
If you recently transferred, enter the email and phone number you used with your prior servicer. 

I can't do anything to log in, or attempt a fix. I've tried calling but the wait time to talk to a representative is 4 hours- I have a job, I work 12 hours a day, I literally don't have the time to sit on *hold* that long before they even begin to process my issue. 

Extremely frustrated. It shouldn't be this hard to GIVE someone MY money.
Product: Debt collection

In response to a debt collection letter, I sent Cavalry Portfolio Services a certified letter dated XXXX XXXX, XXXX requesting Verification of Debt demanding the production of certain documents. Cavalry responded with a letter dates XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX I sent them a second letter advising Cavalry of the insufficiency of their response and again demanding the production of certain documents to verify the debt per the Federal Debt Collection Practices Act. They refused to produce said documents, and in violation of the law continue to report the unverified debt on my credit file. A third letter was sent to XXXX on XXXX XXXX, XXXX demanding the removal of the offending entry on my credit report. There has been no response whatsoever from XXXX to my third letter, which advised them that I would take legal action and report their illegal activities to the proper governmental governing bodies. 
It has come to my attention that the Arizona Department XXXX XXXX XXXX fined Cavalry Portfolio Services the sum of {$170000.00} on XXXX XXXX, XXXX after reviewing more than XXXX consumer complaints for engaging in the same illegal collection activities cited here. Please stop them!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of changes and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances dispute initially available funds. I believe these practices are unfair and request a investigation into my account transactions.
Product: Debt collection

I have reach out to BridgeCrest and requesting information in which I have yet receive a response. BridgeCrest is in violation of my rights as a federally protected consumer.
Product: Credit reporting

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXChexSystemsConsumer RelationsXXXX XXXX XXXX. XXXX XXXX, XXXX XXXX : XXXXGreetings : I am writing to you to complain. Entries posted to my ChexSystems consumer credit report from 2012 are inaccurate. ChexSystems recommends this venue, publishing this website as the means in which to resolve disputes on my report. 

There are XXXX entries to address. Those are : XXXX, XXXX XXXX and XXXX. Each filed derogatory remarks with Chex Systems in 2012. At that time, I had a lawsuit filed against XXXX XXXX, XXXX, XXXX and XXXX. The lawsuit acknowledged numerous attempts to clear allegations printed in my reports. Inaccuracies were corrected from the evidence submitted, yet repeatedly reposted to my reports. As a XXXX person, I retained an attorney, XXXX XXXX. He claimed I would receive all but XXXX dollars to cover costs and fees to file. However, XXXX kept XXXX of XXXX of my settlement money paid by these defendants and, ChexSystems was not involved in the lawsuit. 

Again, I have no buisness with XXXX, XXXX XXXX, or XXXX. The alleged " account abuse '' made by XXXX XXXX and XXXX in 2012 are mistakes. XXXX XXXX wired funds to XXXX after I had cancelled a transfer and closed the XXXX account. XXXX XXXX personnel were to have reversed the entry to correct the the mistake when it occurred. An XXXX account has not ever been opened in my name as far as I know, nor have I ever communicated to, or received anything from this company. 

Recently, I notified the FTC of my concerns relating to compromises to my accounts and consumer credit reports. Implementing extra protection, I continue to address negative remarks that need to be deleted with ChexSystem. This report is a measure to avoid further delay in repairing my reports and correct inaccuracies in reports. 

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

I contacted the creditors regarding accounts appearing on my credit report that I have never opened. I provided letters explaining my concerns and requested a proper investigation into these accounts. Despite my efforts, the creditors failed to conduct a thorough investigation and still marked the accounts as accurate and verified. 

I believe this violates consumer protection laws, such as the Fair Credit Reporting Act ( FCRA ), which requires creditors and credit bureaus to ensure the accuracy of the information reported. Specifically, under Section 611 of the FCRA, if disputed information can not be verified as accurate, it must be corrected or removed. 

These inaccuracies are negatively affecting my credit report, and I am requesting that the creditors and credit bureaus revisit this matter and comply with their obligations under the law. I sent dispute letters to the creditors. I clearly stated in the letters that I had not opened the accounts in question and requested an investigation. On [ date of response or lack thereof ], the creditors responded by marking the accounts as accurate and verified without addressing my concerns. 

I request that the companies conduct a proper investigation into these accounts, correct any inaccurate information, and ensure compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of an inquiry from my credit report that was initiated by Chase Business. According to the advertisement I responded to, the application process was meant to be conducted under my business 's Employer Identification Number ( EIN ), and not linked to my personal credit. 

Details of the inquiry are as follows : Creditor : Chase Business Date of Inquiry : XX/XX/2023 I believe there has been a misunderstanding or error in this matter. As stated in the advertisement, my intention was to apply for credit solely under my business 's XXXX number, which should not impact my personal credit profile. However, it appears that an inquiry was made against my personal credit instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

This matter concerns the Consumer File or Report of XXXX XXXX XXXX ( of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) found with XXXX & XXXX and no other matter. 
The following dates are instances where Goldman Sachs accessed or otherwise requested or purchased the consumer report without permissible purposes or written consent from the consumer. 
Pursuant to 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports, the following transactions were not authorized by the consumer via written or other consent. 
XXXX GOLDMAN SACHS BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDMAN SACHS BANK 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 GOLDMAN SACHS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE GOLDMAN SACHS GROUP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My wife passed away on XX/XX/2017. Her sister XXXX Went to the clerk of court in XXXX, NC and got appointted as Power of Attorney over my wife when I XXXX was already Power of Attorney over my wife, XXXX. She set up a account at SECU on XXXX. in XXXX, NC in her and my wife 's name XXXX name. After my wife passed XXXX went to the bank and the bank allowed XXXX to close her account and withdraw all of the money in cash. Her Social Security check were being deposited in the account. The bank allowed her to withdraw the Social Security money in one envelope and the remaining money in another envelope. The Social Security money was kept by XXXX and the other amount was used to pay for XXXX cremation. 
I went to the bank the last part of XX/XX/XXXX and spoke to a bank officer about getting my account closed which only had {$25.00} in it. The refused because I am in bankruptcy and said that I had filed a loan on my bankruptcy. I proceeded to tell them about my wife passing on XX/XX/XXXX. I ask him why the bank closed XXXX account after she had passed away. He said that they were n't informed of her passing until the XX/XX/XXXX. He said that if they had of known of her passing on XX/XX/XXXX they would not have allowed XXXX to get the funds. The Power of Attorney XX/XX/XXXX had Was no longer good after the second XXXX passed, therefore she had no right to the money and now she refuses to return the social security funds to me even after being notified to do so 4 different times since then. The social security office said that I could keep the funds since it was paid before XXXX passed. XXXX has also ben reporting to my wife 's credit card company 's the XXXX has passed which I, XXXX was doing. The bank, SECU has made no effort to retrieve the money they gave XXXX of close the checking account that has my name on it and has only a {$25.00} savings in it. I feel that MrsXXXX obtained the funds from the bank under fraudulent conditions and the bank, SECU assisted with this also. I ask for copy of the paper that XXXX signed while in XXXX in XXXX, NC while she was not mentally competent or physically to sign any papers without assistance from a outside assistance. She was paralyzed from the neck down and could not write.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed a fraudulent account reporting on my credit report. Please remove the first one account for my credit report is hurting my ability to purchase a home for my family. Thank you.
Product: Credit card

I had a corporate card with AMEX while I was employed by my previously firm which I left in XXXX of 2015. When I left, I had no balance on the card, but a recent charge was posted as I left which left a remaining balance of approximately XXXX dollars that was deducted from my reimbursements at the time of my leaving the firm as the last bill did not post until I had left. They cancelled the card. AMEX stated that I owed this money and I paid AMEX, which they later reimbursed me as they double collected and realized they made an error. 

However, several months later AMEX began to charge me past due fees on a non-existant debt that was double paid and reimbursed to me which I called and they reversed as the bill had been paid and they said they would take care of it. This happened on multiple occassions every couple of months and I would call, they would reverse the bill and apologize as there should have been no charge. However, the bill continues to increase with delinquency fees on delinquency fees and my contacts to them results in them reversing the charges for them to continue to reinstate them. 

I believe AMEX has ineffective payment systems and processes which allow the entity to charge fees where there is no underlying balance, stack those fees, agree to waive those fees upon contact by the customer, and then continue to stack those fees in abrogation of their stated response. As a result, I believe that AMEX did not raise my issues as complaints as they should have been and they may have difficulty in their complaint management processes, but more directly, they have violated XXXX XXXX XXXX and XXXX XXXX XXXX relating to UDAAP as allocated to the CFPB as both deceptive ( direct contact and reflection of the statements made to me claiming the fees were waived and no additional action was required on multiple occassions ) and unfair ( relating to their billing practices and underlying systems that failed to recognize payments and deduct wrongfully billed fees ). While these were 'business ' credit cards, I believe the CFPB should consider authority under the end result of the business card being applied to the individual as a consumer who was not employed by the entity at the time of any wrongful actions even if the underlying requirement was the result of an initial employment situation and business context. 

More likely though, I believe it is a violation of XXXX XXXX XXXX ( FTC XXXX XXXX ) or more commonly known as UDAP under the previously mentioned prongs for deceptive based on the misleading conduct of the agents to the end result and the underlying unfair billing practices.