23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company in question is Deville Asset management. The account was purchased from XXXX XXXX on XX/XX/XXXX. The original account was opened opened on XX/XX/XXXX with XXXX XXXX and I became delinquent in XX/XX/XXXX. ( last partial payment made ). I received a letter dated for XX/XX/XXXX stating the vehicle would be sold in a private sale after XX/XX/XXXX and a second letter dated for XX/XX/XXXX advising the vehicle has been sold in private sale. 
Deville Assest Management has the account listed on my credit report as opened on XX/XX/XXXX and reporting monthly. The collection agency is illegally re-aging the account listed showing the account first date of delinquent 3 years after the true date. And they continue reporting monthly although the 5 year limit in collections efforts have expired. I have disputed the account several times due to them Being unable to verify information. The account removed/deleted from all 3 credit bureaus due to the collection agency being unable to verify the information. However, after the account was deleted from XXXX  the collection agency re-list the account on my credit report.
Product: Debt collection

This concerns a debt reporting by XXXX and the University XXXX. 

It began with an attempt to collect a debt that I had paid in the amount of Apporx. {$70.00}. I submitted my proof. 
Then somehow with out a billing XXXX sent notices that {$38.00} ( approx ) was due with NO PROOF. Just letters. 

I spoke with XXXX today upon learning that they had reported the {$38.00} to the credit reporting agencies. This XXXX item has signifiicantly effected my score. 

So I asked XXXX if I were to pay the bill would they asked that the {$38.00} be removed. They said no. I aaaked to speak to a supervisor and was sent to VM. No return call at this time. 


However State Wide told me that there was no bill for the amount they had reported to the Agencies. And they had no bill for this amount came from their client, The XXXX billlinh system in convoluted and difficult to follow. The bills dont carrry an account number or an invoice number that you can track. Each bill, even rebills all carry a separate " MRN '' number.You are not sure where rhe bills, some the same amount, are rebill and separate billings. 

The XXXX billing / collections staff are unhelpful. Some work at home. i received a call from a XXXX employee at XXXX on a Saturday morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did not consent or authorize nor benefit from the following inquiries. Please block and remove the following from my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a discrepancy on all three of my credit reports ( XXXX XXXX and XXXX ). Their is an account that is listed on all three of my credit reports from LJ Ross and Associates. I had no knowledge of this collection until I needed to put a utility ( electricity ) in my name at my residence. Due to the fact that I needed the electricity on, I did not dispute, verify or validate this collection. The one thing that I did address with LJ Ross is that this collection would be removed from my XXXX XXXX and XXXX  credit reports after it was paid in full. This collection was paid in full for {$300.00} in XX/XX/XXXX. I truly thought that LJ Ross and Associates would complete their end of the agreement as I completed my end of the agreement by paying {$300.00} in XX/XX/XXXX. Fast forward to XX/XX/XXXX, while going over my credit reports LJ Ross and Associates DID NOT uphold their end of the agreement in deleting this collection from XXXX XXXX and XXXX This collection was instead marked PAID, CLOSED as of XX/XX/XXXX, not DELETED per the agreement between LJ Ross Associates and I.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX
Product: Bank account or service

On or about XXXX XXXX of this year, I spoke with a " Service Representative '' at the 'Main Office ' at PNC Bank in XXXX , Pa . I had called because I saw a pending payment to XXXX XXXX XXXX Co . I requested a 'stop payment ' because no application should have been submitted to them. I was told that I would need to file a 'dispute. ' I asked if she would do it? She replied that she would. I, also, requested a stop payment on any request coming from " XXXX XXXX '' and, and, again she said yes. 
However, both requests were ignored and PNC paid both and, immediately, begin charging me overdraft fees which totaled over {$100.00} for the month of XXXX 2016. 
On XXXX XXXX, 2016, I asked the 'Representative to transferred {$900.00} from savings to checking to cover overdrafts and 'accounts payable. ' To my surprise, when I checked my balance that afternoon on the same day, my 'personal checking ' showed a negative balance of {$840.00}. The teller at the " XXXX XXXX '' located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD. corrected the and I had a balance of {$58.00}. But, on XXXX/XXXX/16, I, again, checked my balance and had a negative amount of {$110.00}. 
I want PNC Bank to return to me all the monies owed me for overdrafts and fees which should not have been charged My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , MD. XXXX. Home Phone is XXXX. My cell is XXXX My 'personal account number is XXXX
Product: Mortgage

hi there my name is XXXX XXXX XXXX my loan company " community loan services '' has transferred my loan back on XXXX to another loan company " Mr. Cooper loan servicing and now being serviced by their parent company " right path loan servicing company " which are both under NATIONSTAR MORTGAGE. 
Right before being transferred from community loan servicing I have chose the option of COVID-19 Payment Deferral on their platform.

Right path have declined the payment deferral and since then my loan is not current I have called them every two week for the past 5 month trying to have my deferral approved and bringing my loan current. I have been able to set future payments to keep my forbearance under 18 month.

I have come to a point now where I feel right path NATIONSTAR MORTGAGE are giving me a run around now that they reported on my credit file I'm over 180 days late on payments which dropped my credit score from XXXX to XXXX and I fill my rights are being violated since I'm still under the protection of the COVID-19 forbearance- please help me. 
I have all the phone conversations recorded for the past 5 month but can't upload them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, checks my credit, appr. 4 to 5 times every year.Hard Inq, bringing down my rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute by mail to Transunion on XX/XX/2020 regarding alleged collection account creditors : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX Transunion has not properly investigated this creditor as they claim it has been verified. Pursuant FCRA 623 I'm demanding this account be properly reinvestigated and removed from my credit report and file.
Product: Credit card or prepaid card

On XX/XX/XXXX, I had reached out to Capital One Travel & Rewards customer service in confusion of a misleading and misinformation advertisement. 

I have used Capital One Travel & Rewards section on the sole purpose because it had promised me to that if I complete the transaction, I will earn " ( A whole dollar amount of cash '' Ex. XXXX Cash ). 

Since XX/XX/XXXX, I have been completing transactions because of this advertisement. 

On XX/XX/XXXX, I had contacted the customer service to figure out why I have not received any of what was promised on their website and after being transferred to multiple departments, I had finally spoken to a customer service representative who I had walked through the whole process of the transaction and he agreed to that this was correct, also provided him with screenshots of the transaction reflecting the cash rewards. The amount that was offered at the finalization of the transactions showed a whole number amount of cash being offered. ( Example is in screenshots provided ). 

The agent went on to complete his notes to say that I am entitled to having an amount per booking as rewards cash back to my card. ( Please refer to the screenshot picture provided that shows statement of bookings that I had completed ). 

After this, 3-4 weeks later in XX/XX/XXXX I was then called from capital one to tell me that there is no such thing that exists. When I had asked her if I could walk her through the process like I did with the agent before, she said she did not use the capital one service so she could not. After arguing with her back and forth, she had agreed to reach out to another department to escalate the matter and call me back to let me know she has done so. She did not call me back. 

On XXXX, XX/XX/XXXX : I received a call from the travel rewards department from Capital One regarding this issue. She had told me the following : - She apologized for the misinformation that I was provided ( The first agent who agreed that I had walked through the process ). 

-She had admitted that it was a error on their page and has been taken care of now. ( This was admit of having misinformation on the final rewards transaction page where it state I that I will " Earn [ Amount of cash ] Cash ''. and also admitting that it is not visible anymore which states an error on Capital One side. ) - When I explained my situation to her she agreed with me that the process of what I saw and how it had stated I will earn an amount of cash was definitely there and it was misleading. 

I had told her I would be seeking legal advice for misrepresentation and misleading of what I was offered during these bookings. It is important to note here that I would have not used my credit card for bookings if it was not for the sum of cash that I would earn because of it. 

Important note : The " Earn [ Amount of cash ] Cash '' section was being calculated as 5x the amount of the total transaction. ( This can be reflected by using the total amounts of each booking and multiplying that by 5 which would equal the [ amount of cash ] I am supposed to earn for that particular booking. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A. 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 an account without my written instructions.
Product: Debt collection

A secondary company is trying to collect a debt that was paid over 5 years ago.. the company is MRC mediation recovery center XXXX XXXX The payday loan was XXXX XXXX
Product: Mortgage

Wells Fargo Overcharged on Appraisal In XX/XX/year>, Wells Fargo charged me {$960.00} for a home appraisal that cost {$500.00}. Wells Fargo did not close with me and sold the home two months later to charge the newer customer an appraisal fee.
Product: Money transfer, virtual currency, or money service

I was scammed by someone pretending to be XXXX XXXXXXXX XXXX XXXX. They had me verify my charges and the balances on my accounts. 
They told me that someone used my zelle account from an XXXX  XXXX out of XXXX and had access to my account and used my email address and phone number that I did not give them, they already knew. 

They then had me zelle the phone number XXXX and name XXXX XXXX two payments. One of XXXX and one for XXXX. They told me that the phone number was for a zelle technician and that is how it would give me my money back. I questioned them multiple times because I was sketched out about sending someone money and they told me it was to test my account. I searched the phone number I was receiving the call from after replying YES to a fraud text message, I was called immediately by the number XXXX which I googled to make sure it was legit when I got sketched out and it is the fraud phone number for XXXX so it eased my worries. I replied yes to XXXX text asking me if I had made the charges myself thinking the zelle payments were fraud because that is what they prompted me to do. 

They then told me there was fraud on my cash app account, which I do not have so they said there was also fraud on my apple pay and sent me a one time code. I had never heard of this so I was even more sketched out and asked them to transfer me to the Help Center they freaked out and hung up the phone. They have called me back 4 times now telling me the line has dropped and I needed to fix my account and I let them know that I have reported this as fraud. They preceded to tell me you must think I am the dumbest person alive if you think I am going to send this money back. Happy XXXX XXXX! The phone number is : XXXX. I am shaking and have blocked the phone number and changed my account password. 

I immediately called XXXX and reported a claim. I have now heard back from them that they can not credit my account but are talking to Zelle but most likely nothing is going to happen and could take 6 months to get an answer at all. I have screenshots of the texts I received and also screenshots of my phone calls and also the Zelle payments made. 

I have also filed a report with the FBI and I have also filed a report with the police where they told me only XXXX XXXX XXXX can help with this and there is nothing they can do either. 

I feel extremely stupid to fall for this but it seemed legit until they started with the XXXX situation. I have had fraud recently on my card and just got a new one so I believed it was happening again. 

Please let me know if there is anything that I can do to receive my money back.
Product: Student loan

I spoke to Mohela about my loans and they told me I had to re-submit an XXXX. This information is inaccurate because my XXXX  confirmation is not until XX/XX/XXXX. Now, I have to make payment on income on XXXX taxes which was inflated due to unemployment I received in XXXX. I will not afford the cost based XXXX that income from 2 years ago. I need help removing my recent XXXX  income submission. Thank you,
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I submitted to use affirm for {$750.00} - {$180.00} four times. 

I just received response from my credit card company that I have to submit the complaint to affirm since it was a third party transaction. 

The {$750.00} was for a payment to XXXX XXXX & it was for a convention that was supposed to happen XX/XX/XXXX. The event was cancelled the day of when it was supposed to happen. I could not request a refund in the period that affirm allows because of the circumstances. 

I would have filed with affirm dispute in XXXX had I known before a couple weeks ago from XXXX ( the card I used to pay for the loan ) had told me that is what I needed to do. 

I can not contact the merchant for a refund due to the emails no longer being active and no active phone number. 

The event was cancelled and no one was provided money back - so it did violate the terms & conditions that we had agreed to when purchasing the tickets. 

I attached the cancellation event email & the letter I just received a couple weeks ago about affirm being involved - which again I did not know before the date of that letter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate costumer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ) .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 Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial l loss, and I seek appropriate redress to these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was repossessed by XXXX XXXX XXXX XXXX in XX/XX/XXXX in Colorado. Balance written off in the amount of {$9200.00}. In XX/XX/XXXX, XXXX XXXX XXXX XXXX  received {$3200.00} from XXXX XXXX for a hail damage claim for said vehicle, which should have left a balance owed of {$6000.00}. The vehicle was a XXXX XXXX XXXX and worth approximately {$6000.00}. I spoke to an agent for XXXX XXXX XXXX XXXX in XX/XX/XXXX who informed me about the sale of the vehicle. XXXX XXXX gave away the vehicle at a dealer 's auction for only {$800.00} in approximately XXXX or XX/XX/XXXX, and is claiming a deficiency of {$7100.00}. In XX/XX/XXXX, XXXX XXXX was willing to accept {$1500.00} as settlement of the " deficiency '' with payments of {$25.00} per month at that time, but I questioned the unreasonably low sale of the vehicle at that time. The sale of the vehicle was not commercially reasonable. On XX/XX/XXXX, via certified mail, I requested proof that the notices required under XXXX XXXX, XXXX, XXXX and XXXX were properly and timely given. XXXX XXXX received and signed for my certified letter on XX/XX/XXXX, and had XXXX  days to respond. XXXX XXXX  did not respond. XXXX  XXXX XXXX XXXX can not claim a deficiency unless all notices were properly and timely given and all allowable redemption and cure time limits were adhered to. I then wrote to Experian, XXXX  and XXXX  on XX/XX/XXXX, via certified mail. I requested that I be provided the name of anyone with whom they spoke at XXXX XXXX XXXX XXXX during any investigation into the above matter. Experian has responded with generic information about the dispute being " complete '' and only reaffirmed the same information being reported by XXXX XXXX XXXX XXXX. XXXX XXXX has reported for XXXX  months XXXX since XXXX ) that the account was charged off claiming a balance of {$7100.00}. If XXXX XXXX did not realize they gave away the collateral on their own loan at that time when settlement was offered at {$1500.00} in XX/XX/XXXX, then why make the offer? However, XXXX XXXX has continued to verify the amount due of {$7100.00} which can not be substantiated. No notices were given to me. The sale of the vehicle was not commercially reasonable. I am requesting the account be completely removed from my credit report.
Product: Debt collection

I ran a credit report ( XXXX ) to rent an apartment and discovered an outstanding amount in the Collections section. This debt does not belong to me and can not possibly belong to me. 

I researched the collections agency ( SouthWest Credit System ) and discovered XXXX other complaints against this company for false collections claims. 

This false collections claim seems to have been on my credit report for some time and is completely bogus. It has hurt my credit rating and I want it removed.
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 XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX, has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I went in to look for a car and before i could even test drive a car the salesman ran my credit with a bunch of different banks that i did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

EXPERIAN is still working on another complaint well what about all these tat you said you still working on and all the ones you closed, THERE ALL THE SAME WHICH IS EXPERIAN NOW HAS STOLEN ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX  AND REFUSE TO GIVE THEM BACK