23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year> I requested a second review of the charge of {$790.00} from XXXX. Navy Federal denied the dispute stating " You were charged for the amount you owed after receiving merchandise or a service '' That is not true because I paid on XX/XX/XXXX and my stay/arrival to the rental property was XX/XX/XXXX. I paid before receiving the service. I paid for a balcony room but when I arrived I had no balcony access. The doors were boarded from the outside preventing balcony access. The business claimed they didn't know the balcony was closed. I provided proof they had notice before my arrival because a notice was posted in the elevator. An internet search of the company shows the countless XXXX complaints against this company for bait and switch scams. I provided Navy Federal with proof of documentation showing I filed complaints against XXXX with the FTC ( Federal Trade Commission ) ; XXXX  ( XXXX XXXX XXXX  ), Florida Attorney General 's Office, Department of Agriculture and Consumer Services. Yet, Navy Federal still denied the second review which indicates they allow companies to prey on banking customers with bait and switch scams.
Product: Debt collection

Multiple repeated calls from Syncrony Bank after they were informed to stop previously. Recent calls were XX/XX/XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, XX/XX/XXXX XXXX XXXX. Voice messages were left at XXXXXXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I submitted documents that showed grave inaccuracies in information being reporting on my credit file by XXXX, XXXX and TransUnion. The only one of the above entities that I received a response was TransUnion and it did address XXXX of the unfair and unbeneficial items reported ; however there are many more items that I requested to be deleted due to major inaccuracies and surely this is not fair and equitable to me. This is a major infraction and violation as of the FCRA and I have given the above entities sufficient time to comply and it has not been done. I request that all of the inaccurate information BE DELETED IMMEDIATELY.
Product: Consumer Loan

I am purchasing a car from drive time. I have always made my payments on time for over XXXX years. My payments are {$470.00} a month. I make my XXXX payments a month of {$230.00}. I have recently feel into a hardship. I lost my job and I am having to take care of my mother XXXX and I also have put about {$700.00} in to the car bc it was having issues. I called drive time and advised them that I would not be able to make my payment for ( XXXX XXXX XXXX XXXX ) and I asked for a deferment. The collection representative advised me I was not elligable for a deferment BC I was never late. She stated to let my account fall delinquent and call bk XXXX XXXX. So I did. Another rep told me I could get a deferment and my payment was due. I advised her that when I spoke with the previous rep that 's not what we discussed. She told me I had to mail in my receipt form the work done on the car to try for a deferment. I advised her that when I spoke with the rep bfor she did not tell me I needed to fax those In and they were thrown away. She then transfered me to the rep I spoke with on XXXX XXXX. I advised he that I could not make those XXXX payments until my unemployment started and I would make my payment of XXXX by XXXX XXXX. She stated that she would set the arrangement and that would be fine. I adv he that I do not want calls bc i am taking care of my brother and NOT TO CALL ME. A couple days later i get a call i was unable to answer so i called bk. A rep stated that the arrangement was never set on the acct. I asked to speak with a XXXX i was on hold for XXXX mins. I then explained to the XXXX I was not suppose to receive calls and they did not set the arrangement as stated. She stated she could set a arrangement and transfered me to customer relations. The lady as that time stated she set the arrangement for me to make a payment on XXXX XXXX. I adv her again DO NOT CALL ME. XXXX days later they call. A manager cancaled the arrangement. I called bk furious BC I had told them several times not to call me and felt like I am being harassed and BC they told me arrangement was set and now they want to change it. I adv her of when I could make the payment I would have the funds by then and she wanted XXXX argue with me and tell me I have to pay {$400.00} by XXXX XXXX. I told her there was no way I could pay when I had already worked out the other arrangement and put money in the car. I also adv her that I told her it was against the law to contact me after I stated not to call me and she ignored me and continued to try and collect. I was treated very unfairly by this company and I am speaking with an attorney due to the harassment. I feel like the car should be returned and the trade line removed from my credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( XXXX XXXX ) due to inadequate customer service and unfair practices, which violates the Consumer Protection Act ( XXXX ) Specifically, Cash App failed to take timely and effective measures 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 Electronics Fund Transfer Act ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Debt collection

On  XXXX   XXXX ,   XXXX   a collections hit my credit report  XXXX  and  XXXX  for {$500.00}.   Once I received the notification I contacted the debt collector Midwest Recovery Systems for   XXXX   XXXX   XXXX   XXXX   XXXX  . I call ed MRS and s poke to a representative to get written verification that the debt belongs to me. I wanted something with a signature that I actually received and applied for the loan. They were able to send me this information instead they sent me a letter from them claiming the debt was mine and provided who they purchased the debt from which they could not give me any contact phone number, the date it was supposedly deposited in my account, the date the loan was taken out.   .With that information I did more research.I called  XXXX   XXXX   XXXX   XXXX   to p rovide the written verification. I called  XXXX  phone numbers I found on  XXXX  which were known working finally found a cell phone number for  XXXX   XXXX . Asked him to provide the written information and he could n't. He just gave me the same informati on MRS provided.   XXXX  then sent me a text stating to offer MRS {$100.00} to settle the account but that is not the action I want I want this collections removed from my credit report. He then stated do not tell them he told me this but they brought the account for pennies on a dollar and they would settle. I then proceeded to pull my bank statements from  XXXX  -  XXXX  to find where the funds were deposited into my account. I found no proof. I tried to contact  XXXX   XXXX   XXXX   XXXX   XXXX  and they no longer exist this company was out of  XXXX . All I am asking is for them to provide written proof and if they ca n't remove the collections from my credit report. I am uncomfortable sending banks statements to provide the proof that I never received the funds. If I need to do so please let me know.
Product: Debt collection

A call from of XXXX & XXXX back in XXXX of XXXX. For a debt from back in XXXX, I agreed to make {$50.00} dollar payments a month and signed an e-contract online. Due to fraudulent action, my current bank card was canceled by my bank. Trying to keep with the contract I tried to contact XXXX & XXXX, via the contact number given to my bank, on XX/XX/XXXX of XXXX, via the number on the bank statement. That number belonged to a car dealership in XXXX Georgia, ( I've called this number three times thinking that I dialed the wrong number ), not the so-called law firm. The woman at the dealership told me that they have been getting calls from a lot of people asking why they have been taking money out of their accounts ... She flat out told me that it was a scam. My bank is even now trying to recoup the {$100.00} that was paid to them. So today XX/XX/XXXX, XXXX, I get a call from XXXX XXXX for breach of contract I tried to explain to her I'm in procurement and that every company must provide a legitimate number that belongs to the vendor when doing monetary transactions. The woman XXXX XXXX stated that the number on my bank statement belonged to a contractor and how was she supposed to know that they had changed their number? ( Serious red flag here ). I told her that I wanted to make sure that they were legitimate and not a fraudulent company and until then they would not be getting any more money from me. At this point, she actually started arguing with me as to why I did not contact them via the number on the contractual agreement XXXX both numbers should be the same or at least lead to the XXXX & XXXX law firm ). I thought it was kind of fishy when back in XX/XX/XXXX, I was told only to call back to the number on the contract agreement. 
I reiterated that I just need to make sure that they are legit. That's when she proceeded to tell me that they will sue me for the old debt and breach of contract for non-payment. 
I did XXXX the name of the company before I went into contract with them, it seemed legitimate until the bank statement kept showing the number for the car dealership as the contact number for this so-called law firm. besides that everything is done online and the document link they use only lasts for a short while so that you can not access the document unless they resend it to you if you did not download it. on top of that, I've never received a statement from this company. 
They also have 3-4 different 888 numbers for contact. According to a website called XXXX, there have been many people who have been scammed by these people. I've never received a billing statement from this company. even during the conversation tonight she kept referring to the contract agreement when I mentioned how they wouldn't send me any document of verification. The website does not look right either.
Product: Student loan

Hello, I have received numerous calls from the Sallie Mae student loan company for a loan I do not have. 

I have no student loans. 

Since XXXX, they have called me weekly, sometimes more, to collect from someone named XXXX XXXX. I have no idea who this person is. 

On XX/XX/22, I called and spoke to an employee named XXXX, employee number XXXX. She told me she would take care of it. She did not ; I received more calls. 

On XX/XX/22, I called again and spoke to an employee named XXXX XXXX. She too said they would fix the problem. As of Monday, I am still receiving calls from Sallie Mae. 

Thanks so much, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX This alleged collection is showing as OPEN with a PAST DUE balance which is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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

On XX/XX/2022 I put in a complaint with CFPB on TransUnion for reporting a debt that does not belong to me. That same very day, XX/XX/XXXX, they went into my credit file and reduce my credit score by XXXX points saying it was because I had XXXX accounts that reduced balances and XXXX account that increased. Then 5 days later, XX/XX/XXXX, they reduced my credit score again, but this time by XXXX points, stating that a credit card decreased balance and one credit card increased. Then on XX/XX/XXXX, 3 days after the last decreased of my credit score, TransUnion decreased my credit score again by XXXX points, stating a decreased in a credit card and one increase in a credit card was the reason. 
This is truly done out of spite to me, as it is malicious and discriminatory. This hurts my credit with any creditor and causes me to have to pay higher interest. They not only are doing this deliberately, because they have decreased my credit score by almost XXXX points, I am in jeopardy of losing or being declined for my home mortgage. 
This is a willful and deliberate act by the credit bureau. See attached.
Product: Payday loan, title loan, or personal loan

I took out the loan in XXXX with XXXX to help take care of some bills. I was making payments on time, but realized that the payment amounts were getting higher and higher monthly, to the point that nearly half of my check was being used to pay the bill casing me to fall further behind and deeper in debt. I tried to make arrangements to pay half here and there to get caught up, but my efforts were found to be futile. I was advised off the record by a XXXX employee to stop payments, and close acct. They would then reach out to me in attempt to possibly make an arrangement that was fair. I was contacted, but was unable to reach a payment plan that was fair or reasonable with my salary. About six months ago, I was contacted by a company by the name of AA recovery services. I attempted to get a little background information on them by asking questions, but was meant with rude replies and threats of having my wages garnished. I was told that they could set up arrangements for {$1200.00} a month until amount was paid in full. The initial amount of the loan was {$2500.00}. Even after making several payments initially, that amount has ballooned to approx. {$3900.00}. Today, XX/XX/XXXX. I received a phone call at my job from AA Recovery Services informing me that I need to be at my address on Monday XX/XX/XXXX, to sign for legal documents. I have never received anything in writing regarding any legal matters via mail from said company!
Product: Credit card

Subject : Complaint Regarding FCRA and FDCPA Violations by WELLS FARGO BANK I am writing to file a formal complaint against WELLS FARGO BANK for multiple violations listed below of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Over the past several months, WELLS FARGO BANK has repeatedly re-aged the account on my credit report, which has caused significant damage to my credit score. 

Details of Violations : XXXX. Re-aging of Account WELLS FARGO BANK has continuously updated the dates on this account, making it appear as though these debt is more recent than they actually is. This practice is in direct violation of the FCRA, which prohibits the re-aging of debts to extend the reporting period. 
XXXX. WELLS FARGO BANKXXXX ACCOUNT XXXX : XXXX a. STATUS DATE : CHARGED OFF STATUS DATE : XX/XX/XXXX LAST UPDATED DATE : XX/XX/XXXX b. CHARGE OFF EACH MONTH XX/XX/XXXX XX/XX/XXXX - XXXX instances XXXX. Damage to Credit Score : Due to the repeated re-aging of these account, my credit score has been negatively impacted. This has resulted in higher interest rates on loans and credit cards, as well as difficulty in obtaining new credit. 

XXXX. Monthly Penalties : According to the FCRA, violations can result in penalties of up to {$1000.00} per month for each violation. Given that this has been occurring for several months per account, the total potential penalty could be {$10000.00}. 

XXXX. Continued Updates : Despite my repeated attempts to resolve this issue through my attorney with XXXX XXXX, the account continue to be updated monthly, further exacerbating the damage to my credit score. 

Since these disputes have been ongoing through my attorney for over a year without corrections, the 30 day time frame is forfeit. 

Supporting Documentation : Attached to this complaint are copies of my credit reports that support my claims : my attorney has been diligent in trying to get responses from them, sometimes to no avail.
Product: Debt collection

They contacted me and stated I owed over {$1300.00} from a XXXX XXXX account. I was at work and extremely busy and stressed to even verify the information. They kept calling me and threatened to garnish my wages and take me to court, etc. I am the only person working in a XXXX person family, so I could n't take my chances. I ended up paying {$260.00} as a deposit and {$170.00} in XXXX and {$150.00} in XXXX. At last, I verified the information with XXXX XXXX and they stated I had to past due balance or anything at all. I asked then about their collection agencies and they gave me names, but not Western Portfolio Assets.
Product: Credit card or prepaid card

I issued a check on XX/XX/XXXX for the amount of XXXX for the full statement balance and mailed this with the provided envelope with my statement. 

For the second month in a row the payment was not applied and I was charged a late fee. 

This card was for a sams club account. The number on the card is XXXX valid through XX/XX/XXXX where I have been a card member since XX/XX/XXXX. 

Customer service agent wasn't able to do anything to help me with this issue so I asked her to close the account as it seems Synchrony Bank is purposefully not applying our payments so we incur late fees.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX # XXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure XXXX  possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX Account Number : XXXX XXXX. Past Due- {$3700.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX on the Account, incorrect info and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXXXXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 States I have the right 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.

Kindly delete the account. 

Thanks XXXX XXXX
Product: Mortgage

Hello this is XXXX XXXX XXXX I'm still alive and crimes against me murder for hire and premeditated life sentence all properties through XXXX XXXX and bank our to be in my name with no restrictions also wells fargo accounts in my name I'm primary from beneficial account from XXXX XXXX mother who had two pages of lawsuits from XXXX XXXX XXXX XXXX XXXX is not primary all court orders and judgements in my favor either is XXXX XXXX primary or delegate or consertiver.XXXX XXXX account is in my name but refuse to give account number.XXXX fund is from XXXX XXXX in my name no ex wifes our entitled to any assets and would like to counter sue all against me for XXXX XXXX dollars for putting my life in danger and keeping my funds not giving back have no joint accounts anywhere XXXX XXXX is XXXX XXXX married to deathrow inmate XXXX XXXX.
Product: Debt collection

I keep getting mixed up. Information on the website about how when I talk to the office manager about this issue they sent me a Chex Systems report on the report I received I dont see anything on the report telling me that they have reported this but when I asked XXXX about why are the documents reported so incorrectly they are not able to discuss anything because they are mixing up information and I am very concerned why is this company missing up so much I dont understand what is going on but something is not right so I thought to report this just in case I need to take this matter to a higher level please can your team look into to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts on my credit report that do not belong to me. As of XX/XX/2023 their online dispute platform seems to be broken and can not be used to file a dispute. For this reason, I'm hoping CFPB could step in and help to open up communications with the credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 Balance : {$730.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I have been trying since XXXX 2016 to get a " short sale '' approval from Chase Mortgage. There is a XXXX mortgage along with a line of credit. The offer for our home is enough to pay off the XXXX mortgage with the remaining monies going to the line of credit. My attorney keeps getting delay after delay from Chase. We have submitted all that the bank has asked for, sometimes two and three times. The potential buyer is getting very frustrated with us asking for continuation of the settlement date month after month. Chase has ruined my credit rating as well as forcing me to pay condo fees, double utility bills, double insurance bills, along with rent. Through my attorney, Chase has been made aware that I have recently lost my business due to poor health so all the extra bills get paid with the little savings we have left. Now that my attorney can not get past these roadblocks or delays, I am turning to CFPB for help.