23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I got " hired '' on XXXX, to be a XXXX XXXX for a contracting company named " XXXX XXXX XXXX. '' After researching the company, I found their website and their XXXX. Their XXXX had a few reviews both good and bad about their work on it so I didn't think anything of it. During the job, they said that I needed work equipment like a laptop and etc so that I can complete work for the job and that this will be covered by the company. They sent me checks made out from " XXXX XXXX XXXX '' to cash and specifically asked for USAA so that I could cash them to ship my equipment to me, saying that mailing them would take longer which would delay the start day of my job. One of the checks was for {$4500.00} and another check for {$8500.00} was sent. The check for {$8500.00} was sent because they told me that they had two new hires and wanted to know if I could order their equipment seeing as though I " knew the process ''. After, I realized that this was a scam so I told USAA fraud department. They said that I was involved and that I knowingly did this and stated that I had to pay the total of {$13000.00} back to the bank. I have images, documentation, and a police report clearly detailing that I had no idea what was happening and that I am a victim of fraud. The Banks " investigation '' is still going on, and they have contacted XXXX XXXX  's fraud department, but has received no response. I am only 19 years of age, they don't teach this in school and I have yet to even see that amount of money in real life. I didn't even go to college just because I couldn't afford it and didn't want to be in debt. To think that I would have to pay for the wrong doings of someone I have never even seen before is unthinkable. Since the checks over-withdrew the account, they were transferred to the credit card. I have already payed {$2000.00} off so that the card does not gain interest. Since this incident, I have educated myself about scams and the many ways people attempt to scam, I REFUSE to have this happen to me again. I honestly just want my future back. Ultimately, my complaint is for " USAA '' and " XXXX XXXX  ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes to Experian regarding a bankruptcy listed on my consumer report. Experian is stating that the account was verified by the furnisher of the information which I know for a fact to be false. Furthermore they are refusing to re-investigate the account.
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX EST, I received a voicemail from Resurgent Capital Services in which they directly identified themselves as a debt collection company. They also left information which directly stated that they had not received payment from me. Additionally, the voicemail was left by a robot. 

Similar voicemails were left on XX/XX/XXXX and XX/XX/XXXX.
Product: Debt or credit management

XXXX XXXX in XXXX, PA, sent my medical debt to their third party medical finance company to manage. This company is called CarePayment. The paperwork they sent me made it clear that signing up for a CarePayment account on the CarePayment page would automatically enroll me in their program, thus providing consent for allowing XXXX XXXX to send all future medical balances to their CarePayment partner. The details of the letter I received noted that setting up a CarePayment account is optional. Thus, I called XXXX XXXX and told them I do not consent and want to ask what happens next. They said I either pay in full or they send me to collections. I subsequently agreed to pay in full. 

However, several weeks later I received a letter from CarePayment noting the following : " Thank you for making your first payment! By making your first monthly payment you are now enrolled in the CarePayment program. Congratulations! IMPORTANT : You are receiving this letter because you made your first payment to CarePayment through XXXX XXXX. If you did not wish for your payment to enroll you in the CarePayment program, please call CarePayment at XXXX and request to have your account closed. The CarePayment program is optional ; however, you will remain responsible for any balances due to XXXX XXXX if you decide to close your account. '' I called the CarePayment number and spoke with supervisor XXXX ( ID : XXXX ). She offered to close the account, which I agreed to. However, I noted to her that I followed the paperwork in detail to make it clear that I never opted in to having a CarePayment account made in my name and that I see it as a serious breach of trust that an account has been opened up in my name without my consent. She said she had no way of escalating this up the chain and would note my concern on my account. Thus, I am submitting this for federal review as it is clear that even when you follow the process they outline to declare that you do not consent to opening an account with CarePayment upfront, that this is not strictly followed. I am unclear what mixture of human error and/or inadequate systems they have in place to note a patient 's account as not opting into CarePayment. I appreciate your help in investigating this issue and ensuring it doesn't happen to others.
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes with experian, even as recently as XX/XX/2023. I have tried multiple times to have my account updated in regards to XXXX finance. A XX/XX/2023 late payment that was to be removed is still reflecting on experians website. Between XXXX and Experian the leep reporting the information is correct even though it is not an Experian has verified through the CFPB website the late payment with XXXX was to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly that I am ( 90 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

" In XX/XX/XXXX, the mortgage company sent me a letter confirming that they recognize me as the successor in interest to the property. In XX/XX/XXXX, I contacted the mortgage company and informed them of my intentions to assume and modify the loan in order to bring it current and resolve the situation. Instead of providing guidance or offering any assistance, the representative stated that no action would be taken unless the full amount in arrears was paid. At no point was I informed of any available options, nor was I provided any necessary documents ( such as loss mitigation or loan modification paperwork ) to explore ways to prevent foreclosure. Their failure to inform me of my rights and options as a recognized successor in interest has contributed to the continued foreclosure proceedings. '' They are aggressively pursuing foreclosure proceedings with the sheriff sale date already in place. I have hired lawyers who've been in the process of providing the mortgage company in their legal counsel documents as well as an application for a modification. However Carrington Mortgage did not pause or halt foreclosure procedures during the time that I havw proven to be the successor in interest which they officially acknowledged XX/XX/XXXX Carrington Mortgage has continued to aggressively pursuing the sale of the property without allowing a review of the documents I have provided and continue to provide at this time. The probate lawyer caused a huge delay by not properly adding me to the deed as the personal representative which has also impacted the process just prior to XXXX which did not help matters. 
" In addition to the aggressive pursuit of the foreclosure and sheriff sale, I have also been subjected to harassment from individuals coming to my home regarding the property. Due to the public nature of the foreclosure proceedings, people have approached my door, disturbing my peace and causing undue stress. This has created a situation where I feel personally harassed and intruded upon, further exacerbating the emotional toll this process has taken on me. I am requesting that these harassment instances be considered as part of my complaint, as they are directly tied to the ongoing foreclosure actions. ''
Product: Checking or savings account

On XX/XX/2020, I called Chase Bank to dispute a {$1000.00} paid in XX/XX/2020 to XXXX XXXX  Academy for a XXXX course for a XXXX exam ( Step XXXX XXXX ). In XX/XX/2020, the exam was canceled for XXXX months due to COVID. I tried to deal with the company to obtain a refund, which they refused. 

I proceeded to file a dispute with Chase bank. They provided a temporary refund of {$1000.00} and did an investigation. I lost the dispute, Chase citing in a letter that " the transaction was processed correctly. '' This is not what I am disputing, and I can not use the service. Therefore, I should be eligible for a full if not partial refund. 

I called Chase to clarify, and they said I lost the dispute because I was " out of 120-day recovery timeframe. '' I was not told that when I initiated the dispute. When I questioned the representative about this and the letter I received not addressing my dispute properly, she said it is a generic letter and could not explain why I was told that there is a 120-day limit to file disputes.
Product: Checking or savings account

I have had the amount of {$19.00} withdrawn by debit card from my BOA account for 6 months, beginning XX/XX/XXXX. Every month, there is a debit card charge to a DIFFERENT COMPANY for the same amount. Most of the names of the businesses have no phone number or contact information. I called this month 's company, only to be told they can not locate me as a customer, although their number is listed on the bank withdrawal/payment. Bank of America does nothing but refund the money and send me a new debit card. They say this is most likely an auto-renewal situation, but are unable to state who the initial debit was made by. How does the fraudulent company receive the new debit card number every month? Who is giving out that information? My legitimate companies contact me every month for a new card number, why doesn't that block the hacker from receiving my information? I can not continue to receive new debit cards every month, having to change all of my banking information with my accounts. 
The names of the fraudulent accounts are as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX Supply XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX The last company listed is the only phone number on all of the debit card charges. I spoke to a rep there who stated they have no account under my name, phone number or address. 

Any advice will be appreciated. I have to stop this recurring fraudulent use of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is in violation of 7 federally protected consumer rights under 15 usc 1692 and 4 unauthorized uses of registered trademark
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to credit reporting company several times to remove incorrect names addresses and account 's that are showing on my credit report. I reached out in XXXX, XXXX and XXXX. As of now, which we are in XXXX nothing has been removed.
Product: Debt collection

To whom it may concern, This is my second request and complaint. 

Your company reporting a collection account ron my credit reports. According to the Fair Debt Collection Practices Act ( FDCPA ), I am disputing this debt in entirety, and you need to provide me with validation of the debt by providing me ALL of the following information : Copy of original contractual agreement bearing my signature that I have with this company A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 

ALL statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If you can not provide everything I ask for to validate the account, then you are to remove the collection account from my credit reports. If you will not remove it. I am a litigious consumer and have every intent to sue for violations of FDCPA.
Product: Mortgage

On XX/XX/XXXX, GMAC as servicer filed a foreclosure complaint on my property. The alleged note did not contain any blank endorsement. GMAC went into bankruptcy, and the case was stayed for awhile. Later plaintiff was substituted for XXXX. The substitution was initiated by Ocwen Loan as servicer with the help of XXXX located in XXXX XXXX. 
Ocwen is illegally attempted to foreclose on a mortgage it knows it does not have standing to foreclose. The trial is scheduled for XX/XX/XXXX. Ocwen is once again engaging in questionable servicing practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to submit another letter for Innovis to fix my credit score.
Product: Debt collection

1 ) Exter Finance LLC XXXX ( Partial Account ) Ensure Compliance with Exeter Finance LLC XXXX XXXX XXXX XXXX, TX XXXX Auto Loan Fraudulent Opened : XX/XX/XXXX Charge off Account Type : Auto Loan XX/XX/XXXX charges off Account Number : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX ( partial account ) XXXX XXXX XXXX XXXX XXXX  Original Balance : XXXX Fraudulent Account XXXXXXXX XXXX XXXXXXXX Contact # XXXX Account Type : Collections Date Opened : XX/XX/XXXX Balance : {$310.00}
Product: Mortgage

Receiving harassing calls, showing up at residence, knocking on neighbors doors etc, company states they don't have my contact numbers ( XXXX ) XXXX XXXX never changed, these contacts are also showing on the portal, I have requested more then once not to call and or bother me @ the residence, I asked that they take the proper avenues legally to protect there interest as Iam awaiting such actions and will be filing bankruptcy. Freedom Mortgage has sent investors at late evenings disrupting residence, I have asked numerous times not to bother me or harass me today again XX/XX/XXXX attached letter taped to my door,
Product: Credit reporting or other personal consumer reports

The inaccuracies on my credit report are significantly hindering my financial freedom. Each time I attempt to apply for new credit, my application is denied due to these persistent errors. Its deeply frustrating to feel as though my rights as a consumer are being overlooked.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows XXXX accounts XXXX & XXXX were reported 90 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX. Both of these trade lines are wrongfully negatively impacting my credit rating and as a result I have been denied credit and/or extended credit at a higher interest rate that I would have had these trade lines been correctly reported. The attached transcript ( XXXX  Transcript ) clearly states that my XXXX degree was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due ''. It also states " if you received a PLUS loan as a graduate or professional student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period '' ( see highlighted section on page 3 of attached Student Loan Repayment _ Forebearance Period.pdf ) My graduation date was XX/XX/XXXX ( see highlighted section of XXXX Transcript.pdf ) therefore my graduate student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. XXXX has incorrectly reported these two trade lines as late. Per the Fair Credit Reporting Act ( FCRA ) I have the right to dispute incomplete or inaccurate information ; Inaccurate information must be corrected or deleted within 30 days ; and I may seek damages from credit reporting data furnishers for FCRA violations. I have disputed these negative entries in the past but XXXX came back and said they were correct. Based on the information/documentation provided these are clearly not correct ; therefore I demand that these two incorrect trade lines be removed from my credit report immediately.
Product: Payday loan, title loan, or personal loan

Some one named XXXX XXXX tried to access my wife 's account and she is going " Who is this '' They have a lot of information about me, almost to much. I do not know who this company is. I have never even heard of them and why are they trying to access my wife 's account and she said she received a very strange number a couple weeks ago, but did not think anything of it. Please remove me and do not try to access her account again. She is very upset with this.
Product: Credit reporting or other personal consumer reports

You are reporting Inaccurate, information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is Inaccurate because the following accounts report inaccurate information.

Account Name : XXXX XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX XXXX / XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX - XXXX Account Number : XXXX Please Delete this Account!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting through XXXX XXXX XXXX XXXX XXXX which ALL my accounts have been paid as agreed and on time. There is a remark on a few of them 90 days in 2017 which is inaccurate. I tried to address this now twice and received only XXXX response back from XXXX saying they weren't going to do anything. Please help
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Repair Act. The list of accounts below have violated my federally consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX  Acct # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Bankruptcy Account # XXXX 15 U.S.C 1681 602 A section states that consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer reporting agency report any of the following items of Information to any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have my rights 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.
Product: Credit reporting or other personal consumer reports

I initiated contact with XXXX in early XXXX, leaving a voicemail message and sending a follow-up email. He mailed me a statement to my residence. I am formally requesting the final payment date as recorded by XXXX XXXX. I have concerns that XXXX XXXX XXXX be in violation of the Fair Debt Collection Practices Act ( FDCPA ) by altering payment dates. I have not received any communication from XXXX XXXX regarding this matter. I request that this account be removed from all of my credit reports. XXXX and XXXX XXXX ghosted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is purposely lowering my credit score. On XX/XX/2021, my credit score was XXXX. Today, XX/XX/2021, my credit score is XXXX. There are no changes negatively on my credit report to justify my XXXX XXXX lowering by XXXX XXXX. I actually had positive changes that should of increased my credit score. My current XXXX score is XXXX. 

The gross disparities against XXXX Americans is centered around how the three credit reporting agencies conduct their credit modeling. There need to be immediate changes to what is reported and how. For example, there is no reason Americans are penalized based on inquiries and having those inquiries stay on a report for 2 years. 

What I saw today when I checked my credit score with Experian revealed to me the ponzi scheme that our federal government is allowing. This is doing a great disservice to the undeserved communities. Preventing good jobs, homeownerships, a stable and prosperous lifestyle for ALL, not just the selected.