23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

Focus Financial Services with address listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the most unprofessional company I have dealt with when attempting to resolve my credit. I spoke with three different agents who seem not to care about their company not following the law or having g any compassion that real life things happen. They would not take my insurance information that was provided to the hospital yet instead wanted to pretty much get a thrill out of belittling someone.
Product: Credit reporting or other personal consumer reports

I will attach a copy of the snippet from my credit report. Its appears that XXXX did not correctly investigate for Diversified Adjustment XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. 


Status shows '' Not reported '' Recent Balance : " Not reported ' first reported : " date not reported '' date of status : " date not reported " This item should have been deleted after verification. Per XXXX no investigation was done. 
There is also remaining items disputed that should have been removed that have no status but are still currently reflected on XXXX XXXXs credit report.

Hard inquiry XXXX XXXX XXXXXXXX, XXXXDont bank with or use XXXX XXXX XXXX. Never applied for any credit. Please remove. 

Names ; XXXX XXXX used or know by this name Address : XXXX XXXX XXXX XXXX Fl.- This is not a physcial address which means I never lived here,
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates is falsely reporting to the Credit Reporting Agencies as a Factoring Company, which is a violation to FCRA because they are actually debt collectors. A " factor '' is one who buys corporate receivables at a discount - not a debt buyer dealing in uncollected bad debt. 

In addition to PRA reporting to the Credit Reporting Agencies as a Factoring Company, PRA is also reporting other inaccurate information to the credit bureaus as described below. ( See attachments as proof ) I have filed disputes with all 3 credit reporting agencies, and I have attempted to contact PRA for removal to no avail. I have also filed a complaint with the XXXX XXXX XXXX without success. 

1. My XXXX  credit report is still listing Portfolio Recovery Associates as a  Factoring Data Account Type as of XX/XX/18. This is deception, as I never opened a data factoring account with PRA. Collection accounts are not data factoring accounts. 

2. Portfolio Recovery Associates is reporting as a One Month Term on my XXXX credit report from XX/XX/18. I never signed an agreement with PRA as to terms or as to when the debt collector purchased the debt.

3. The date opened is inaccurate and doesnt even match on the 3 credit reports. PRA is reporting inaccurate data on my credit reports as of XX/XX/18. 

4. The date of first delinquency with the original creditor is not reporting and according to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : 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, credit repair services, or other personal consumer reports

TRANSUNION HAS NOT LET ME DISPUTE CLAIMS ON MY CREDIT REPORT. THE CREDIT SCORE WAS XXXX. NOW THEY WANT ME TO PAY THEM {$29.00} TO GET ALL THREE CREDIT REPORTS. THE FREE ANNUAL CREDIT REPORT DID NOT LET ME DISPUTE ERRORS I FOUND ON TRANSUNION. 

TRANSUNION WOULD NOT LET ME PRINT PAGES ; SO I COPIED THE EXAMPLE : CREDIT MONITORING Dispute Center Alerts Profile Support Logout Dashboard Credit Score Credit Report Credit Lock Tools My Savings My Profile SMS ALERTSStay in the know with Instant Credit Alerts! Setup SMS Alerts now Alerts ( 33 ) XXXX XXXX XXXX   Powered by XXXX XXXX TransUnion Logo UNABLE TO ACTIVATE XXXX   Logo UNLOCKED My TransUnion Credit Score As of XX/XX/XXXX. Based on XXXX XXXX XXXX D XXXX / F XXXX / A COMPLETE YOUR CREDIT PICTURE Score Simulator -- - XXXX / F XXXX / A XXXX Current Score -- - Simulate Now Dont Miss Out on This Featured Offer! 

My Membership Center Your Credit Report and Score are 98 days old. 
Refresh Now Complete my credit picture with a full 3-Bureau profile Get the Full Picture Credit Summary Score Trending Debt Analysis {$27000.00} Balances as of XX/XX/XXXX Payments Total Accounts Open Accounts {$210.00} 41 6 Inquiries ( 2 years ) Delinquent Derogatory 17 0 8 COMPLETE YOUR CREDIT PICTURE Membership Benefits Credit Education More Products Instant Alerts Identity Theft Insurance Fraud Resolution TransUnion 's Fraud Victim Assistance Department ( FVAD ) is available to assist in restoring your identity after an incident of identity fraud. FVAD specialists are trained experts in detection and resolution of credit fraud-related situations, and have in-depth knowledge about laws, regulations and consumer relations policies. 
More Valued Member Since XX/XX/XXXX My Savings About us Who we are Terms of Use Privacy Policy Frequently asked questions My account My profile Credit alerts Credit score Credit report Tools Credit Lock Resources Support Credit education My Savings Blog This site is hosted and operated by TransUnion Consumer Interactive , Inc., a wholly owned subsidiary of TransUnion, LLC. Copyright XXXX TransUnion Consumer Interactive. All Rights Reserved.
Product: Student loan

I am an educator that went back to school in XXXX to earn additional certification as a teacher. I have paid this loan when I had work. Unfortunately, many school districts have seen cuts of XXXX or more from XXXX. Since XXXX, the situation has become much worse. I have been turned over to a debt collector, Performant, that harassed me with multiple calls daily this fall. They have misrepresented how I could qualify for a loan rehabilitation program by having different reps tell me different things. 
When I asked for them to send me paperwork to do this, this did not arrive until the first week of XXXX even though this request was made just before XXXX. When I called before XXXX, which is what I was told to do if the materials did not arrive, not only did the different reps I talk to always tell me an entirely different story, but one even said in an extremely sarcastic and mean voice that I " need to check my mail ''. This was not helpful and everything else this rep told me was different than the previous reps said. I have been trying to call and speak to the collector identified on a letter ( Dated XXXX/XXXX/XXXX but that I did not get in the mail until the later part of last week ( week of XXXX XXXX ). I can not get a human being to talk to, even though I was told to call promptly when I recieved this information. When I asked to speak to " XXXX XXXX '' ( name on demand letter ) I was immediately transferred to a phone for a woman with the last name of XXXX. I offered to start sending in payments promptly so that I could qualify for a loan rehab program, but all I get is a run-around, paperwork is not promptly sent, it is not possible to get hold of a human being that can tell me accurate and consistent information ( I ca n't get hold of a human being now that I got the letter in my hand ), and I am being denied an opportunity to make payments to qualify for a program that would resolve this issue. This is harassment as I repeatedly find that Performant has no intention of helping me yet they have harassed me with multiple phone calls daily ( before XXXX ), are rude and sarcastic when I talk to them, do not tell me truthful and consistent information, and appear to have no intention of letting me get on top of this problem.
Product: Bank account or service

Dear Consumer Finance Protection Bureau : My father name XXXX XXXX XXXX he is persistent XXXX. His XXXX digits social security is XXXX his previous mailing address was XXXX XXXX XXXX XXXX, XXXX , Oregon XXXX. He has checking account at Chase Bank but now he is not able to manage his checking account. I am his daughter and want to be his representative manage his financial. I went to Chase branch at XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX on XXXX XXXX, 2015 but the branch manager was not able to answer my question what documents I should provide to be my father representative or power of attorney but in this case my father can not able to sign any document because his XXXX. I do not know why a chase branch manager does not have a basic knowledge to answer what documents should be provide if my father has checking account but his XXXX is not able to manage his checking account at this time and I want to be help him manage his finacial and checking account. She did not know everything and did not help me at all. really bad service at this chase branch. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$130.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices. Which violates the consumer financial protection act. ( CFPA ) SPECIFICALLY cash app failed to take timely and effective messures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the EFTA and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I disputed recurring charges with capital one when I noticed I was being charged for late fees. I always pay my credit card right off before I can even get hit with interest and once I noticed I was being charged for late fees when I hadn't used the card I looked over the charges and saw my card was being used on being charged on a XXXX  subscription I canceled I called XXXX and never got an answer or call back. I then called my Capital one and told them I would like to dispute that and another charge. The representative said the money will go back and if anything comes up or they need more info they'll call me or mail me something out. I never received a call or anything in the mail so I assumed everything was taken care of till i seen the charges put back on for XXXX. I called them again and they told me they needed my proof for canceling. I sent over a screen shot of my subscription with them through a link they sent me. I again thought everything was taken care of till i received a call from them months later telling me im behind on payments. I mentioned to the representative that they were disputed charges and he said they sent me letters through the app asking for proof and never received. I asked why i wasnt sent through the mail like I was told it would be and he said they dont have my address on file! I have been disputing these charges since I seen them back in XXXX and spoke to countless different representative with all of them telling me different things. On XX/XX/XXXX I called them again and sat on the phone with them for almost an hour for them to tell me at the end of the call I would have to pay it because the dispute is past its time frame to dispute.
Product: Credit card

I took an XXXX ride on XXXX XXXX, 2024 for {$40.00} ; however, I was charged two additional charges on my American Express card. I was also charged {$20.00} on XXXX XXXX, 2024 and {$33.00} on XXXX XXXX, 2024. However, there are no receipts available on my XXXX account for these erroneous charges, but they did provide a receipt for the {$40.00} charge. I contacted my credit card company who told me how to go online to file the dispute with XXXX and to take screenshots of the credit card charges. I did today, but must wait since there is no one to talk to at this company. The time it took was very long and confusing without the help of the credit card company to walk me through it. I am now concerned that XXXX has charged me for rides that I did not take in the past. None of the receipts are available, and some of the charges on my credit card statement show multiple rides on the same day.
Product: Credit reporting or other personal consumer reports

This account was disputed with the credit bureaus. I don't understand because I contacted XXXX XXXX and a manager named XXXX, stated she has no records on file with my name or DOB. I told her that XXXX XXXX is collecting a {$2700.00} debt that I do not owe. She double-checked her file via my SSN and still no records of me in there system owing any amount of money. I either XXXX XXXX has me mixed up with someone else or Fountainwood Apartments never notified XXXX  XXXX  that I do not owe this amount. As of now, false information is being reported on my consumer report and rental reports and it's preventing me from getting an apartment. Please cease all collection activity and remove this from my file until it properly verified as stated in the FCRA
Product: Debt collection

Resurgent Capital Services is attempting to collect a debt on behalf of XXXX XXXX XXXX. which sold the contract or debt to their company. I owe Resurgent no debt and we do not have a contract or an agreement. also they are reporting on my credit report i owe the debt to them. this is illegal and fraud activity by Resurgent Capital Services.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 USC 1681, section 602a ) requires agencies like XXXX and XXXX to operate fairly, respecting consumers ' privacy. 

I am asserting my right to privacy, as outlined in 15 USC 6801. This law states that financial institutions, like those supplying data to credit agencies, must respect and protect their customers ' private information. I haven't given XXXX, XXXX, or any data provider explicit written permission to share my details, so any previous consent I might have given is now withdrawn. 

Additionally, 15 USC 6802 ( b ) ( c ) specifies that financial institutions can not share personal data with third parties without informing the consumer how they can prevent such sharing. I wasn't given this information. Also, 15 USC 1681C ( a ) ( 5 ) restricts agencies from reporting certain negative details that are more than seven years old. This hasn't been followed in my case. 

Furthermore, the Family Educational Rights and Privacy Act ( FERPA ) from 1974 protects students ' education records. As outlined in 20 USC 1232g ( b ), it applies to all educational institutions, from elementary to post-secondary, whether public or private. 

Lastly, 15 U.S. Code sections 1681s2 ( A ) ( 1 ) A and 1681e require that institutions don't share incorrect consumer data and that agencies like XXXX and XXXX have measures to avoid breaches. I believe these measures aren't being followed. According to 12 CFR 1016.7, I can opt out of reporting services at any time, and I'm choosing to do so now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. REPAIR or CORRECT these items that caused me so much stress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced my home on XXXX XXXX of 2015. Prior to doing the refi my mortgage was with Roundpoint Mortgage, XXXX XXXX XXXX XXXX NC XXXX. Orginally I had financed the PMI into the loan with Roundpoint as per the UGI the PMI was refundable along with the escrow. On approximately XXXX XXXX, I received a refund for the escrow but not PMI. I then contacted the representative from XXXX who confirmed that the PMI was refundable. After being told this I contacted Roundpoint on XXXX XXXX and was instructed on how to proceed with getting the PMI refunded. On that date I emailed them the UGI and stated my concerns, I was informed that I would be contacted by a representative from the company, I also received an email stating that they had received my email and attachments. After approximately two weeks I contacted Roundpoint and was told that the email went missing in their servicing department and that someone would be contacting me. This never happened. On XXXX XXXX I once again contacted Roundpoint because a representative had not called or emailed me. I was told that I had to email them the UGI and explanation on why the PMI was to be refunded. As I did thisI was told that reprensative would be contacting me within XXXX hours. Upon doing this I received an email stating that that the company had received my request and I would be contacted. After XXXX hours, I was once again not contacted. On XXXX XXXX, I once again contacted Roundpoint and was informed that they were looking into the matter and once again I would be contacted by a representative within XXXX hours which did not happen. Because of this on XXXX XXXX, I once again contacted Roundpoint via phone and was informed that the PMI was to be refunded within 30 days. I was informed of this approximately 2 months after I had completed the refinance. Today on XXXX XXXX, I received a certified letter stating that the mortgage insurance was cancelled on XXXX XXXX. This approximately two months after they received paperwork from my new servicer and one month after I had orginally emailed Roundpoint. In this letter I was informed that I would be receiving a refund once they are able to locate the check. At this time I do not know when the check will be sent since this company seems totally incompetent. I feel that I have been as though I have been receiving the runaround from this company for the past three months and nothing can be done about it. I will be informing the representative from XXXX to not use this company again.
Product: Mortgage

Hello, Backstory : I have purchased my home in XXXX of 2021 in XXXX FL and I have a mortgage on the property. I set the mortgage payments to autopay and I've never had a problem with it. All the payments came out as they were supposed to until XXXX when without me realizing it the autopayment suddenly stopped. I only realized this in XXXX when I had already missed the XXXX, XXXX, and XXXX payments. ( I live outside of the country and I did not receive any correspondence in my primary residence in XXXX. ) What Happened : I finally was able to piece what happened to my mortgage. XXXX who was my mortgage holder sold the mortgage to SPS who is now the mortgage servicing company. SPS for some reason did not bring the autopayment over and I do not recall any letter disclosing this fact. So SPS cancelled my autopayment. APR FROM 4 % to 18 % This past week when I finally realized what was going on I called SPS and they said that the amount to bring the loan to normal was XXXX, when I asked why if the normal mortgage payment is only XXXX per month, they informed me that since I was in default they could change the mortgage APR to 18 %. I went as far as asking if there is no protection period for when a mortgage is sold and they said it was only 90 days ( under my calculation I would be under this protection ) but they denied me. What I did : I payed the over XXXX XXXX dollars they requested to bring the loan back to normal but I will not have to fight to get back what I believe to be an unfair practice of raising my APR 4-5 times what I have under contract.
Product: Credit reporting or other personal consumer reports

I disputed the accounts on my credit profile due to inaccuracies which is my full real legal name which is XXXX XXXX XXXX XXXX I am also a victim of several data breaches in which my information has been exposed Online so there are inquires, fraudulent accounts, checking accounts, credit cards, on my credit report.I have told the credit bureaus about this if there are any accounts on my report that use any other name than my real full legal name then it need to be deleted immediately or legal action will be taken my whole world has been turned upside down cause of my credit being exposed and fraudulent used that I have lost ever thing I am now homeless due to not being able to obtain business credit for my business to be able to stay competitive due to all this please help I am a law XXXX XXXX who has no power or resources to fight these criminals who has taken advantage of all of us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I was frauded in several ways, and somehow these accounts have appeared on my credit report : Affirm Inc, and XXXX XXXXXXXX XXXX XXXX. I have never shopped at either of these companies, yet I just got a notification from XXXX XXXX that my XXXX XXXX line of credit has been reduced because of delinquent payments on these accounts. I don't know how to correct this mess. Please advise. I need these removed from my XXXX credit report. I have tried contacting them, and they said they would research this fraud.
Product: Payday loan

I have not had a loan through this company.I have not applied for a loan through this company
Product: Credit reporting or other personal consumer reports

I demand for the documents or any information that proves you have propeperly investigated this matter. I dont think this was handled properly. i dont even get any letters