23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TO WHOM IT MAY CONCERN Unifin Reference Number : XXXX XXXX XXXX XXXX # : XXXX Original Account Number : XXXX Debt Description : XXXX XXXX Total Amount of Debt Now : {$4900.00} I spoke with your agent on phone and we both agreed for a {$300.00} payment for 12 months totaling to {$3600.00} to offset the above debt. I gave them my card details and expected it to start on schedule on XX/XX/XXXX as agreed. 

To my dismay, no payment has been taken out even after I called back to confirm start of payments. Check your voice recordings from my then number XXXX XXXX XXXX. 

I keep getting the same letter in my email telling me to take advantage of the discounted offer! Which I did the second week of XX/XX/XXXX. 

Could you let me know when you intend to start deducting money monthly as agreed? Could you also send me a letter of confirmation that the {$3600.00} amount is in full payment of the debt owed for {$4900.00}?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account was disputed and removed in XX/XX/XXXX from my Equifax credit report. This was a mistake, at the time of the first reporting account was unfamiliar but in fact valid.This was due partly to the loan being transferred from my previous lender, which I was unaware of at the time of the dispute. Since then, the account has been reported by XXXX the lender as accurate and updated monthly. Yet, equifax still continues to suppress this information and essentially blocking the tradeline. As of XX/XX/XXXX account was reporting creating a fico score of XXXX, as of XX/XX/XXXX this information went missing resulting in a lower fico score of XXXX. This is damaging to my credit score and worthiness as a consumer. Covid-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 602 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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : XXXX XXXX XXXX XXXX XXXX Bank for Violations of the FDCPA and FCRA Dear CFPB, I am writing to formally lodge a complaint against XXXX XXXX Bank regarding their handling of a debt that I allegedly owe. My account number with XXXX XXXX is XXXX. The amount in question is {$XXXX}, which they claim has been sold to XXXX XXXX, yet they continue to report it as a late payment on my credit report. 

Issues Encountered : Debt Verification and Ownership : XXXX XXXX has purportedly sold my debt to XXXX Funding. However, I have requested verification of this sale, including the transfer documents, and have not received any response. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to this verification. 

XXXX Request : Since XXXX  XXXX no longer owns this debt, they are required to issue a XXXX Cancellation of Debt form if they have charged off this account. As of now, I have not received this form, which I am entitled to under the Internal Revenue Code, 26 U.S.C. 6050P. 

Inaccurate Reporting : Despite the alleged sale of the debt, XXXX XXXX continues to report this account as delinquent on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), which prohibits furnishers from reporting inaccurate information. Specifically, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) states that it is unlawful for a furnisher to report information that it knows or should know is inaccurate. 

Request for Assistance : I am requesting the CFPB 's assistance in investigating these violations, as XXXX XXXX Bank 's actions have negatively impacted my XXXX XXXX and caused significant distress. Specifically, I seek the following outcomes : An investigation into XXXX XXXX 's practices regarding the reporting of this alleged debt and their failure to verify its sale. 
Enforcement action to ensure that XXXX XXXX complies with the FDCPA and FCRA. 
Removal of any negative entries related to this account from my credit report until the verification is provided. 
I appreciate your attention to this matter and look forward to your prompt response. If you require any additional information, please do not hesitate to contact me. 

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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an inaccuracy regarding my payment history. Specifically, my account with XXXX is incorrectly showing late payments for XX/XX/year> and XX/XX/year> when, in fact, all payments were made on time. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure all reported information is accurate and verifiable. I am formally requesting that you investigate this matter and provide verifiable proof, including payment records, showing that I was late on these payments. If you are unable to verify this information with supporting documentation, I demand that the inaccurate late payments be immediately corrected to reflect an on-time payment history. I have attached a copy of my credit report highlighting the disputed account for your reference. Thank you for your prompt attention to this matter. Please provide a written response confirming the results of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been in touch with XXXX XXXX directly and also through your system. 

We have XXXX # XXXX for payment on XXXX/XXXX/XXXX for {$720.00}. 
Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last XXXX of our bank account. We have a documented conversation with supervisor XXXX XXXX as well as her employee # XXXX. 
XXXX XXXX explained to us that XXXX XXXX had NOT Processed the payment, no fault of ours and that no late fees or late notice would be filed - XXXX XXXX bank error We have Conformation # XXXX for payment on XXXX XXXX, XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last XXXX of our account number. Note from speaking with representative telling my husband that XXXX XXXX just did not process. 

We were contacted by XXXX XXXX saying they would look into it, They told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank XXXX out of taking off this MIS-Reporting because they state the date THEY PROCESSED, which is after they noticed THEIR mistake. 

This is WRONG reporting on both My credit report and my husbands. 
We need CFPB to protect us here, as we are dealing with a KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. 

Please Help Us, XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account being reported on my credit report that I did not open. i have sent letters out to the company to show me proof of account ownership twice and have gotten no response. i have also disputed this item with the credit reporting agencies, they respond with a account is verified response. I have also requested method of verification information from the CRAs and i have gotten no response. 


tracking : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After doing some research I have found that XXXX, Transunion, XXXX has illegally hosted information on my consumer report that has cause me much emotional distress. I am not liable for this debt with XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX XXXX XXXX., the have not provided me with the original contract upon request. XXXX XXXX XXXX XXXX is not authorized or licensed to collect debts in the state of FL. 

XXXX, XXXX, Transunion has also illegally hosted information on my consumer report t that has cause me much emotional distress. I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXXXXXX XXXX  they have not provided me with the original contract upon request. XXXX XXXX XXXX is not authorized or licensed to collect debts in the state of FL. 

The use of my consumer report and personal information was misused without my consent, proper verification, and my consumer rights voided on behalf of XXXX.
Product: Checking or savings account

I was applying for a loan through XXXX XXXX and I received a text message the next day saying I was approve for a {$7000.00} loan. The text message said it was from XXXX XXXX wit an a approve number and a number of XXXX telling me i would have an intertest rate of 9 % & what my monthly payment would be of {$220.00}. So I call the number and they said I need to verify my information, they told me my name ask for my ssi number and checking account information than they ask for my banking login information and thats when i realizes something was not right. I ask them why do they need my bank login information they reply to make sure this is my account and to see my deposits I told them why are we not calling the bank or you sending it through a website that does that. he when on to say because that is how we do there verification so I old him no i am not giving him that because I have been scam like that before and he told me I could look them up. I told him no and hang up the phone. but they had my checking account information and ss number. I call my bank and told them what happen so they frozen my account so nothing comes out
Product: Debt collection

Collection agency trying to collect a debt that was never owed. I left the company with a credit on my account and some how it was turned into the collection agency. I left XXXX back in XX/XX/XXXXwith a credit and multiple collection companies have tried to collect a debt not owed. I just sent a letter to a company last month in XX/XX/XXXX and asked them to not to sell to another company as it is not a debt. Included a copy of the credit invoice and they still sold it to Convergent. I would like them to cease and desist from sending me collection letters and selling this account to other collection agencies.
Product: Debt collection

East point recovery is contacting me for XXXX. I am having financial difficulty which is why I couldn't pay anymore. I had a XXXX XXXX and I was XXXX for XXXX months. I am still recovering from XXXX XXXX due to not receiving proper medical care. My doctor says I have to take it easy and can't be stress out.
Product: Debt collection

XXXX XXXX XXXX In {$310.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$310.00} XX/XX/XXXX United Revenue Corp {$1400.00} XX/XX/XXXX I have spoken with XXXX  about removing these fraudulent accounts off of my credit report. These alleged debts do not belong to me and they are a violation of my rights as a consumer and as the original creditor. They are also a violation of my Hippa rights which states that any of my medical records or documents can not be shared without my consent. These fraudulent accounts are affecting my ability to extend credit.
Product: Mortgage

During the Pandemic I was placed on the forbearence program due to my financial status. The forbearance was set to expire in XX/XX/XXXX. In XX/XX/XXXX Mr. Cooper which is the mortgage company has reported my account to all XXXX credit bureaus as DELINQUENT when in fact I was not being late and still was in the forbearance program. As a result of that my credit score has been reduced to XXXX points causing me to lose on the property I was about to put an offer on. Mr. Cooper 's action for reporting my account to the credit bureau has impacted me hardly and financially in so many ways. I have tried to speak to a customer service and a manager to see if i could have the issued escalated to resolve this matter and have my account updated however i was not being successful. I am requesting to have the account removed from all the XXXX credit Bureaus ASAP and be compensated for my losses as this is very unfair and unjust to me.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX  from XXXX XXXX in XXXX, VA. During financing I was assigned Consumer Portfolio Services ( CPS ) for my auto loan. XXXX {$33.00}, XXXX with 14.700 % for 72 months. Basically this loan should be paid off and according the CPS payoff for XX/XX/XXXX is {$19000.00}. For the past 2 years my pay off has been between {$18.00}, XXXX to {$21000.00}. 

None of this makes sense and looks like predatory lending. I am attaching all documents. Here is a break down of what I have paid : Interest Paid - {$26.00}, XXXX Principal - {$15.00}, XXXX Fees Assessed - {$1700.00} - these have not been paid Fees Paid - {$650.00} Total I have paid is {$43.00}, XXXX This makes no sense. CPS is not easy to work with, they are nasty and rude. All of their phone calls, there is no working with them.
Product: Mortgage

My mortgage has been with PHH Mortgage for a couple of years now. Their website is awful and not user friendly. There has been more than one instance of signing on only to find the option to make a payment is not avaible. I did contact them once and they corrected the problem. 

The mortgage has now been sold to XXXX XXXX. PHH Mortgage sent me one letter and one email notifying me of the change. On the letter they provided the new servicing information for XXXX XXXX. The account number provided is nine digits. The problem is XXXX XXXX account numbers have ten digits. Now I am unable to access my account through XXXX XXXX  or PHH Mortgage.
Product: Money transfer, virtual currency, or money service

So a month ago I was logging onto Venmo to send my roommate money for our monthly utilities fee. And I realized my account had been frozen. When I checked my email, they said I violated some security and privacy thing. After checking through their list of restricted uses, it did not seem as though I violated any. I have reached out to them, only for them to confirm that I had violated something, and that they were now going to permanently ban my account. Now I have money still in my account. And I have tried to link my bank, and while they said that they would allow me to transfer money out of my account, I get to the final screen of linking my account, it says success only to tell me on the next page that there was an error linking your bank account. So now Im left, without my money, and without the service I use to pay my roommates. Both of which I believe to be unfair and unjust. And they are making it even more annoying by not telling me what I did specifically wrong.
Product: Credit card or prepaid card

I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Money transfer, virtual currency, or money service

XXXX XXXX # XXXX, a XXXX XXXX issued me a case # XXXX. His first instruction was to open my banking app to the XXXX payment function and add an billing agent XXXX XXXX XXXX XXXXXXXX ) an send a code XXXX with memo XXXX XXXXXXXX, confirmation # XXXX, to also screen shot the payment image to a office community number XXXX. The next protocol was to add billing agent XXXX XXXX ( XXXX ) in the app and send code XXXX with memo XXXX, confirmation # XXXX, also to send screen shot of the payment image to that same XXXX. XXXX then informed me that the original code of XXXX to XXXX XXXX had expired/not submitted timely and that XXXX would now tackle this issue by sending code XXXX with memo XXXX, confirmation # XXXX, with again sending the screenshot to community number XXXX. At this point, XXXX thanked me for my vigilance, that I would be receiving a survey in my email about my experience, that I would be transferred to a Bank Security Officer to file a police report to finalize the incident. XXXX XXXX XXXX went over and discussed with me the prior actions and codes that were issued to verify myself and remedy the situation, he then had me send a code XXXX to agent XXXX XXXX to finalize the incident, that I would be contacted within 24 hours to reassure any and all refunds were performed. I did receive those ( 2 ) calls at XXXX & XXXX the following day but was unable to answer. When home Wednesday evening, I had telephoned my mother who said that she was approached in the same manner, same suspicious transactions ( {$990.00} & {$1300.00} ) and a new bank account in her name with her phone number. She immediately hung up the phone after discussing my experience the day prior. This alerted me to check my account and no funds had been refunded. I contacted Bank of America Thursday morning where they verified that I had been scammed. XXXX XXXX was great and issued me case # XXXX. I filed with XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX, # XXXX and he has issued me case # XXXX. Sadly through my research that this has been ongoing and an issue that BOA has been fully aware of ( since XXXX ) and still highly promotes the app as highly secure but with a clause that because I initiated the payments that my funds are unrecoverable. Fraud through XXXX apparently has been mounting tremendously that the issue has made it to Congress where BOA and the other banks that helped create it warned/instructed to do better. Through my research and conversations that even through my due diligence I was unknowingly a victim by very good imposters who spoofed BOA Fraud and XXXX phone numbers. They were familiar with the Banking protocols that I had experience previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX  and Equifax credit bureau in regards to a repossession account with XXXX XXXX. I cited XXXX. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

Due to the fact that I was never notified of the vehicle being sold and a few other errors on this account. I was not provided with any copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

It was just simply placed on my reports as " Subscriber reports dispute resolved - consumer disagrees '' and " Completed investigation of FCRA dispute - consumer disagrees ''. 

I have not been provided any of the things to prove this debt is mine. Therefore they are in violation of my rights.
Product: Bank account or service

My Chase checking account was suddenly " blocked '' XX/XX/XXXX with no prior notice, which I did n't discover for over a week. They told me it was because they needed additional information. I asked why I was n't contacted to ask for the information. They said they mailed me a letter XX/XX/XXXX. I never received a letter. At first they could n't find a date or any other proof that a letter was sent. Upon further research, they discovered it had been sent to an address I have n't lived at for 2 years. I had updated my address a long time ago, and they indeed had it on file, and I have received other correspondence from them. No reason was given why they sent it to an old address. I went into a branch and answered all the questions that were asked. It took a day to unblock the account. A week later, it was blocked again! I was told it was because they needed additional information because the account was in a trust. Why did n't they ask me all the questions the first time?!? Again, no prior notice of the account being blocked. The banker at the branch told me he asked all the questions that appeared on his screen. He spoke on the phone with corporate, and neither one seemed sure of what the requirements were. Nobody ever answered why these questions were necessary, just that it was " Chase policy. '' Upon talking with my financial advisor, I discovered it was due to a new regulation that all banks have to adhere to. Chase never told me this. I wanted to close the account, and was told I could n't do so until the account was unblocked, which would take a day or 2. It has now been unblocked again, I have already been charged one fee ( which Chase reimbursed ) for a payment that bounced back because the account was blocked. I do n't know yet if there will be others. 
How can they just arbitrarily block people 's accounts with no notice?!?
Product: Credit reporting or other personal consumer reports

I have attached a Notice/ letter as it pertains to an Account reported by credit reporting agency , Transunion . The account, XXXX XXXX was reported inaccurately and has been disputed on several occurrences. I ask that the letter in its entirety is thoroughly observed/ investigated by Transunion General Counsel and all information provided within the letter is properly addressed. ( ATTACHED DOCUMENT ) Thank you.