23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Student loan

I applied on federal student aid website for the REPAYE/SAVE plan back in Summer XXXX, I then received confirmation from MOHELA dated XXXX XX/XX/XXXX that all of my THIRTEEN ( 13 ) loans were approved to be REPAYE ( See attached ) and also that my expected payment would be about {$420.00} per month. I subsequently started paying my student loans first on XX/XX/XXXX but the amount was shockingly high at {$4100.00}, I looked into the issue, it appears on MOHELA they only converted my Loan 1 and Loan 2 to SAVE and the 11 other loans are currently LEVEL payment instead of SAVE. Doing the math that's {$3700.00} more per month than I was expecting, so I called MOHELA 4 times, it takes over an hour to get a representative who is in training, and then they can't help me because they have to transfer to a senior representative which takes another 45 minutes, unfortunately I could not wait that long because I have to see patients. The last call I had was in XXXX with MOHELA, I finally got hold of a representative for the second time, they said they would try to submit for SAVE plan for my plans and they said she would put my loans on forbearance until then. I assumed that was correct, only to find that I was charged another {$4100.00} on XX/XX/XXXX, which almost bounced my checking account. I'm struggling to pay my credit card bills as it is, I really need your help because MOHELA is not fixing the problem in a timely fashion and i don't want my bank account to bounce, the next payment is coming up on XX/XX/XXXX which I believe another {$4100.00}! I have also attached a current loan detail showing that 11 of my loans are still LEVEL payment even as of today ( XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to multi companies for employment opportunities in the last few years the most recent on last month was shipt. The company these employers for background checks is Checkr. Ive disputed the incorrect information on my report everytime and provide court records reflecting the correct information but the ignore it and continue to inseminate false information to the prospective employers costing me many job opportunities and I dont even know how much In lost income. They reissued the report today after discrediting my dispute.
Product: Debt collection

I included XXXX XXXX debt in my bankruptcy case ( XXXX XXXX. XXXX ). Despite this, I continue to receive collection attempts via phone, text, and mail. 

I have informed my attorney of this issue multiple times via email. I have contacted XXXX directly to update their records and request they stop billing me. On XX/XX/2024, I informed TSI Debt Collections ( XXXX ) about the bankruptcy but received another collection letter on XX/XX/2024. On XX/XX/2024 and XX/XX/2024, I again contacted XXXX and urged them to inform the debt collection agency they sold the debt to. Despite my efforts, I am now receiving collection attempts from a new agency. On XX/XX/2024 I received a text message and called to inform them of the discharged debt. 

XXXX continues to generate monthly bills, which I receive via email and mail. I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to stop these illegal collection attempts.
Product: Money transfer, virtual currency, or money service

XXXX today I received an email from PayPal stating my business account was closed. There is no reasons stated for why this happenedI called them and they did not provide me with anything. 

They also froze approximately {$600.00} in that account from legitimate transactions and will not give it to me for the next XXXX  days.
Product: Money transfer, virtual currency, or money service

I pay my webmaster once a month using Western Union online. Their website malfunctioned yesterday. When I submitted the transaction, I didn't receive a success window or a confirmation email and the transaction didn't show completed in my WU account. So, I tried again and the same thing happened. I tried a 3rd time and the transaction showed up. I immediately called to notify them of what happened with their site. They said that three transactions went through. SUPPOSEDLY, they cancelled one of the 3, but the 2nd one, they said, couldn't be stopped. They said I should ask the receiver 's bank to refund me. This is the most ridiculous thing I have ever encountered. Their site fails and they don't reverse the duplicate charges that were the result of their error!

I was told by a WU agent that this is the duplicate XXXX no that went through : XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection account with XXXX was paid in full and closed on X/X/17. The account has remained incorrectly reported with Transunion for more than 45 days. This has caused delays in applications that were necessary for me to file by a certain time.
Product: Debt collection

On XXXX XXXX, 2017 Direct Management placed an account for the amount of {$950.00} on my credit report in violation of the Fair Credit Reporting Act. Direct Managment failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Direct Managment is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX we had an apartment at XXXX XXXX in XXXX, WA with a roommate. That roommate quit his job and became unable to pay his portion of the bills. We were evicted. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX ( aka Genesis Credit ), XXXX XXXX filed for and received a judgment in the amount of {$2500.00}. 

On XX/XX/XXXX, A Writ of Garnishment was then issued in favor of XXXX XXXX XXXX, XXXX XXXX, and assigned to Columbia Debt Recovery, LLC. 

That Garnishment was served on one of our employers. That Garnishment was paid in full through the Continuing Lien on Earnings. 

Genesis Credit has continually and fraudulently reported on our credit reports that we still owe over {$8000.00}. We disputed those reports. Genesis removed them ... for a few months. They then RE-reported on our credit reports that we still owe over {$8000.00}. We have disputed it again. 

We have attempted numerous times to contact them to get this resolved. No phone calls are returned. 

If we had actually owed the amount they are claiming, a Judge would have issued a Judgment and Writ of Garnishment for that amount. However, the Judge issued them in the correct amount of {$2500.00}. That amount has been paid. 

Please note as well that Genesis Credit is under investigation for fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following unauthorized collection account and inquiries from my credit report. These entries are fraudulent and resulted from identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you take immediate action to remove these items.

Unauthorized Collection 1. UNAUTHORIZED COLLECTION - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$98.00} Unauthorized Inquiries XXXX. 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 XXXXXXXXXX/XX/XXXX
Product: Debt collection

I received three bills in a row ( one each month ) for the same medical service at XXXX and paid each on of them using the hospital 's online bill payment system. My debt was then sent to a collection agency ( FirstCredit ), which would not help clear up the situation. This is an outrageous practice.
Product: Mortgage

XXXX insurance sent me a cancellation notice XX/XX/XXXX because the premium had not been paid on XX/XX/XXXX by my Selene Mortgage through my escrow, Which has PLENTY of money in the account. The Premium is due on XX/XX/XXXX or it will be cancelled. If paid after that they may not renew, but if they choose to, there will be a late fee. I called the Selene on XX/XX/XXXX and they said they needed a XXXX Page. I had my insurance company send ( BOTH EMAIL AND FAX ) the XXXX page directly to them, and to me, on XX/XX/XXXX. I also forwarded them the XXXX page email from my Agent to them on XX/XX/XXXX. 

Since all of this on XX/XX/XXXX XXXX sent me a letter stating that I no longer have insurance coverage and they will be adding their own insurance to my mortgage at {$6000.00} +++ per year. 

My current 12 month premium is {$670.00}. 

I have had nothing but trouble with Selene since they purchased my mortgage. This is the second complaint I have had to file with XXXX. 

It should be illegal for anyone to purchase my mortgage without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX has violated my rights.15 USC1681 Section 602A states, I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692d- Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( Causing mental anguish ) 15 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such consumer owesany debt title 15- Commerce and trade Chapter 94- Privacy subchapter I - Disclosure of nonpublic personal information SEC. 6802 - Obligations with respect to disclosures of personal information 15 USC 1635 ( a ) Disclosure of obligor 's right to rescind, and ( b ) return of money or property following rescission.
Product: Credit reporting or other personal consumer reports

This was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Product: Checking or savings account

On XX/XX/2023 I had a charge of {$60.00} from " XXXX XXXX '', after checking my wallet to see my card still sitting in it's spot I convinced myself that I must have bought something and forgotten about it. On XX/XX/2023 I had three charges ; {$130.00} from XXXX, {$230.00} from XXXX, and {$34.00} from XXXXXXXX XXXX XXXX. I immediately turned my debit card off and filed a dispute on XX/XX/23. Within a few days my dispute was denied so onXX/XX/23  I called Chime to see why the dispute was denied, they would not tell me why but said they would reopen my dispute for a second review. I did not hear a response so today,XX/XX/23, I called again asking what the status was. I was told the second dispute was denied and they could not tell me over the phone why and they told me I would not be refunded any of the money that was disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was opened XX/XX/XXXX the last payment was made XX/XX/XXXX account shows closed ( bad debt ) XX/XX/XXXX. the amount owed is XXXX. this company " Snap On '' continues to report the wrong debt amount increasing this amount by XXXX every month it is now being reported as XXXX.I have tried to reach out with an affordable payment arrangement in the past, the representative from this company was at the time very condescending, rude and unwilling to work with me. I made an offer of payment and was told that the amount would not even cover the interest accumulating on this account and would do me no good to pay the offered amount.it is to my understanding that reporting anything other than the actual debt is unlawful, and goes against the fair reporting in my state of Ohio. I demand that this reporting stops upon receipt of this complaint. and all credit reporting agencies cease reporting this on my name.
Product: Debt collection

This company has gone from XXXX, to XXXX, and now to XXXX. XXXX, XXXX, and the South Carolina Department of Consumer affairs ( Case number XXXX ) agree the debt has been satisfied. I have notified this company that they need to seek recourse with the employees of XXXX XXXX XXXX.
Product: Checking or savings account

In early XXXX, Chase Bank closed four accounts that I had for many years without notifying me. I was humiliated when in line to pay at a store, and was then asked to call my bank. Thats when I found out. It has been almost two months now, and I still have not received the remaining funds from one of the accounts they closed, in the amount of {$950.00}. I have tried over thirty times to contact the bank and escalate the call, to no avail. This is causing me great distress and frustration on a daily basis, and I need the funds. The branch can not help me because corporate is in control of this situation. Nobody at Chase will help me. They mailed out the funds once and they were returned ( so they say ), and were supposed to reissue another check, but have not. They also will not send it with tracking info ( via overnight mail ) as I requested. Seems silly to use regular mail with funds over a certain amount. 

Note - the account number I provide here is the main business account, as I no longer have access to see the other business account to which this claim is being made. Chase can locate it under the main business account, but it was for the other one. I only memorized the account number of the one provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get XXXX XXXX XXXX  to comply with the FCRA and provide proof that notice was given prior to the sale of a vehicle that was illegally repossessed. XXXX XXXX stated in a written letter they had terminated the relationship with the repossession company, and has none of the documents required to provide a lawful repossession per UCC 9 and Commonwealth of Virginia Law.

I am specifically looking for proof of Notice of Redemption and a Notice of Deficiency.

Law states these two items are required for the creditor ( XXXX XXXX XXXX  ) to collect a deficiency amount. 

I was never notified of Redemption, Time to Cure, Notice of Sale or Notice of Deficiency.
Product: Debt collection

Reviewing my credit reports as of XXXX XX/XX/XXXX, I noticed that an account named ChildSupport Enforcem / Account # XXXX is reporting on my reports as " C '' for collections. I've never been notified by any agency/bureau/entity informing me that a Child SupportEnforcem is in collections. Furthermore, The reports reflect that there is No Data " ND '' for XX/XX/XXXX, based on the XXXX report. TransUnion credit report as of XXXX XX/XX/XXXX reflects paid collections, while XXXX credit report as of XXXX XX/XX/XXXX, reflects multiple months of " ND '', and Paid Collection.
Product: Credit reporting or other personal consumer reports

fter XXXX to XXXX  years of doing my XXXX  i got contacted by XXXX XXXX by email in XXXX. XXXX. I was informed that thy sued me and that they served me papers at a place where i havent moved back into, and i was told it was me who gotten those papers. I never recived anything first off. Anyways that company sued me over and item that was claimed on my XXXX  XXXX XXXX. I kept emailing with them for a month. On XX/XX/year> they really wanted me to pay money so i thought someone is scamming me... .the last email from her was we will take your first payment of {$XXXX} today or we will garnish your checks. I checked my credit and still seen it was in still saying XXXX in XXXX XXXX XXXX. I informed them that if that took my money i was going to sue them for every XXXX... .i dont know how they had judgement passed for garnishment on a item on my XXXX  but it happened. Also the credit report of XX/XX/year> it now showed me it changed from XXXX throught XXXX  XXXX XXXX  to Charge off and me owing. XX/XX/XXXX, i told them it was in XXXX  XXXX XXXX  ... the day it said was updated was XX/XX/year>. This is what i started to see on the experian credit reports on their website. Experian is falsifying a credit report and changing it to how perstige financial wanted it to get money that they wont get unless experian changes my report. once the other bureaus seen experian do it so they followed shortly afterwards. I disputed this for XXXX  month shright with the evidence and they said my evidence held no ground because XXXX XXXX had evidence said they are right. The disputes say not available online then the next dispute which was the samething i could see online. they grayed out the on button that says inculded in XXXX  after a while.
Product: Credit card

Fraudulent transaction occurred on my Kohls account form around {$250.00}. I called XX/XX/21 to report this information. The card was closed and I eventually received the credit, however it has been almost 6 weeks and I am still without a card. Every-time I call, they inform me that it has been cancelled and a replacement card has been sent. This has happened 3 pr 4 times. No one can tell my why It keeps getting cancelled or by who. It is not by me and I have informed them of this. It makes me VERY nervous to know what is happening w my information and why I can't get a card sent to me for my replacement. I asked one representative to close the account, because at this point I am unsure of how to protect my information. She told me I could not because there is a balance which is incorrect. They say they can't overnight a card, nor tell me what is happening w my information. This is terrible business and fraud.
Product: Checking or savings account

I went to the ATM machine at XXXX XXXX  in XXXX NV on Wednesday night and requested to withdraw {$500.00} from my checking account. The machine said on the screen, reversal check balance. It never dispensed the money and gave me a receipt that says " Transaction not approved Error code XXXX '' I checked my account and saw the money was deducted from my account. I could not file a dispute for 2 days waiting for the transaction to settle. I filed the dispute, with a copy of the receipt and I got a email back from chime saying their investigation was complete and that no error occurred and they were not going to reimburse the funds.
Product: Mortgage

The prime rate has dropped three times. The first time was .5 % and it took over a month for the variable rate to drop. Excuse was that changes occur on the first of the next monthly period. The second and third drop of .25 % prime rate over 2 months ago and the excuse now is " It isn't 31 days ''. The also said that both drops would occur XX/XX/year>. No change...
Product: Credit reporting

I have a State tax liens that have been paid and filed as released. I want it removed from my public record. 
Ref number XXXX Filed XXXX XXXX, XXXX, XXXX XXXX XXXX Released Amount {$3500.00} Contact details XXXX XXXX County RECOR XXXX, CA XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

I have a auto loan with Wells Fargo dealer services. I called on Tuesday XX/XX/XXXX to close the loan. I was told Im not allowed to make payments over {$4900.00} and would have to make 5 separate payments over the next 5 days but only 2 payments can be scheduled at a time. Or I would need to pay {$65.00} for a wire transfer fee and estimate the days required for them to process it and add additional interest. I dont feel its right to be forced to pay interest because the bank cant handle a payment. After looking at all payment options it appeared to be cheaper to make 5 payments of {$4900.00} until it was paid off. However the first payment I made they applied to the next 4 months of payments rather than the principal and charged additional interest on top of the daily interest. I am now forced to drive an hour and pay cash in person at the bank. I dont think they should make you jump through hoops to make payments and charge interest whenever they want. The customer service representatives stated that anything additional would be applied to the principal. That was a lie. It was applied to the next 3 payments and additional {$18.00} in interest was charged. I always pay on time and have had multiple car loans. No other loan company has ever been so dishonest or make it so difficult to make a payment. They would rather just squeeze you for as much interest as they can.
Product: Checking or savings account

My cash app account/card was used to make unauthorized purchases on XX/XX/XXXX my card was charged {$9.00} at XXXX XXXX XXXX XXXX XX/XX/XXXX my card was charged again by XXXX XXXX XXXX XXXX XXXX for {$9.00} my card was also charged by XX/XX/XXXX on multiple dates beginning XX/XX/XXXX for {$8.00} on. XX/XX/XXXX for {$10.00} on XX/XX/XXXX for {$10.00} twice I was charged that on XX/XX/XXXX they charged me {$11.00} on XX/XX/XXXX for {$34.00} I was charged by XXXX XXXX on XX/XX/XXXX for {$2.00} on XX/XX/XXXX for {$5.00} then XXXX eats charged me {$37.00} on ok XX/XX/XXXX they also charged me the same day for {$47.00} I was also charged by XXXX multiple times on XX/XX/XXXX {$3.00} on XX/XX/XXXX for {$29.00} and {$3.00} on XX/XX/XXXX {$7.00} and on XX/XX/XXXX for {$60.00} and I was Charged by XXXX on XX/XX/XXXX for {$18.00} and {$17.00} I contacted cash app to refund my money and they did nothing
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX falsely placed my mortgage into bankruptcy. On XX/XX/year>, at approximately XXXXXXXX XXXX  EST, I contacted XXXX via their customer service phone line. I informed them that I had not filed for personal bankruptcy and was instructed to submit my proof to their legal department. On the same day, at XXXXXXXX XXXX I submitted the actual docket, which showed that a company I worked for two years ago had filed for bankruptcy. My name was not included in their bankruptcy filing. 

The XXXX representative provided me with the name of their attorney and advised me to speak with him. On XX/XX/year>, I spoke with XXXX XXXX, an attorney from the law firm XXXX XXXX XXXX, who was handling the case. I explained the error to him, and he requested that I send him the proof. During the call, at XXXXXXXX XXXX  EST, I sent him the docket. He assured me that he would address the issue. However, as of the date of this report, he has not corrected the problem. 

On XX/XX/year>, XXXX continued to engage in fraudulent misrepresentation and unfair or deceptive trade practices by changing the mortgage address to a different address. Despite being presented with clear evidence, they have ignored it and appear to be engaging in willful blindness.