23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have Pro Collect on my credit report for a debt I have no knowledge of, they are collecting a debt they bought from a company I used to have dealings with but they never told me about this debt. I have asked Pro Collect to remove it from my report and they refuse, I have asked them to validate the debt and they refuse, there is no contract between them and the other company for them to collect on their behalf, I have also received threats from this company and harassing phone calls to not only me but one of my relatives. I sent a validation letter to them with a response of they didn't have to validate this debt and they state that there is a law suit against me but when I check with the courts they would've had to go through they state there is no suits or judgements against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE BEEN CONTACTING XXXX, XXXX AND TRANSUNION FOR MONTHS NOW TRYING TO GET INQURIES, COLLECTION REMOVED FROM MY CREDIT REPORT. THEY TOLD ME THAT THEY WERE GOING TO REMOVE THE 22 PLUS INQURIES AND THEY HAVE NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint onve again to request to the Credit Bureaus to investigate and correct my Credit file by removing the disputed accounts completely from my Credit file. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 
XXXX XXXX AUTO XXXX Balance Owed : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXX XXXX AUTO XXXX Balance Owed : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXX ACCT XXXX Balance Owed : {$0.00} - XXXX  is reporting a DELETED account/information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE the account as soon as possible.
Product: Student loan

I am current student finishing up my XXXX XXXX. In XX/XX/XXXXdue to family issues I had to take off some time from school. I have been attending part time since last year and returning full time in fall. 

But in XX/XX/XXXX during my transition period of XX/XX/XXXX to XX/XX/XXXX I wasn't able to make payments, but since then have caught up and am in good standing. 

I think its goodwill for the XXXX XXXX to understand that only for a brief time is any able to make payments. This should not count against me because I am in good standing now and at the time circumstances were out of my control.
Product: Credit card

on XX/XX/XXXX, XXXX I ordered a bike from XXXX. On XX/XX/year> I contacted XXXX to inquire as to when my bike would be shipped as I had only received an order confirmation and no timeline for the shipping date. They sent me an email stating that it would be shipped between XXXX XXXXXXXX XXXX XXXX. On XX/XX/year> after not receiving the bike or any type of shipping confirmation I emailed XXXX to request a refund. I was sent an email stating that there would be an 8 % fee for cancelling, which I agreed to. I was told the refund would be credited back to my account in 5-10 days. I never received the refund. 

In XX/XX/year> I initaited a dispute with the credit card I used to purchase the bike, Pay Pal Mastercard/ Sychrony Bank . I was issued a credit on XX/XX/year>. On XX/XX/year> my dispute was denied and the charge for the amount of {$1500.00} was placed back on my credit card. 

As of today I have not received the bike ( XXXX ackowledges it was never shipped ) or the refund.
Product: Debt collection

During the XXXX season of XXXX I XXXX XXXX the consumer and natural person alive and living received communication from a third party debt collector Spring Oaks Capital alleging XXXX XXXX owes {$210.00} XXXX This alleged debt had already been disputed and thus removed from my credit reports thru cease and desist with XXXX XXXX. I have no consumer credit transactions with Spring Oaks Capital and did not give Spring Oaks Capital permission to contact me or anyone else about this alleged debt owed. On XX/XX/XXXX Spring Oaks Capital communicated to CRA 's of alleged debt and it impacted my XXXXedit score in a negative manner.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations
Product: Student loan

I completed a Default Clearance letter maybe 2 years ago. I completed a FAFSA this year the school and Federal Department still have the Default classification on there. This company and my interaction with them strikes me a hostile, and antagonistic and one-sided in the way they have chosen to conduct business with me. They are reporting a total amount from education loans from 25 years ago. I went to another XXXX school and took 2 classes. Then they " consolidated '' and claimed I owed from the loans 2 decades ago. I had n't heard anything about owing on a loan until I took the 2 classes at the less expensive school and an offset was approved. I feel like I am being attacked. This company called me 4-5 times a day back in 2008. Last year I agreed to make voluntary payments for $ XXXX- that was the asking price. As I have applied to get financial aid at other institutions, this rehab loan keeps coming up. I was unaware that this categorization of my loan account was going to prevent this. Negotiation is at the core of most business transactions- it 's a give and take. I feel if I can pay voluntary- that 's what they asked me to pay- and someone on their team can be more flexible to allow me to move forward.I was reluctant to keep contacting them, because they said they were not reporting anything and starting sending me privacy policy notices. I thought there was some kind of legal proceeding that had occurred - like a gag order. Im just really confused as to why I keep having the same conversations with them almost every year. I really need a normal professional business person to help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Credit Bureaus are reporting inaccurate information on MACYS/DSNB ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Checking or savings account

I received a loan through my retirement fund, XXXX XXXX XXXX XXXX XXXX in the amount of {$5800.00} and deposited the check into my account at US Bank on XX/XX/23. Funds were available the following day ( XX/XX/23 ) in which I utilized a generous amount to pay off other accounts. Today ( XX/XX/23 ) I saw that US Bank had withdrawn the previously accepted check, leaving my account with a significant negative balance of - {$1000.00}. After speaking with US Bank, they said there was a discrepancy with the check and the provider. I contacted the loan provider and they confirmed that the check was good and that the check numbers and mounts matched. I spoke again with the bank and they were unable to provide anymore information. I am leaving for an international trip over the weekend and if I were reissued a new check by XXXX, I would not receive it by the time I will have left. I have multiple automatic payments coming up through US Bank and will be charged an overdraft fee for each payment. I was also told that my automatic payments may or may not go through if I am unable to deposit a new check before I leave for my trip, and that those decisions will be up to the discretion of US Bank. My credit score and my rent and utilities might be greatly affected if this issue is not resolved. The bank is unhelpful in solving this issue.
Product: Mortgage

I have been making extra to our principal to our Ocwen loan but the payments are not being applied to principal but to a suspense account. The payments are being applied at a later but not back dated to when the payment was received. Our loan is equity loan and the interest is calculated daily based on the balance. The interest balance is higher to due to improper posting of our payments. On XXXX XXXX, 2016, I sent Ocwen letting them know I was disputing the outstanding loan balance and missed applied payments. As of the date of this letter, I have yet to receive a response from Ocwen regarding my XXXX XXXX, 2016 letter. In addition our interest rate has gone up twice with no notice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C & 1681 c-2 ) that you, the XXXX, Transunion and XXXX XXXX XXXX agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a checking account opened at 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in five fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that a new account had been added to my report via XXXX XXXX. The new account being reported is Midwest Recovery Systems. 

This account is not mine. This company violated the California FDCPA ( XXXX Fair Debit Collection Practice Act ) by reporting false information ( not my account ) and by Not sending a dunning letter before attempting to start collection practices.
Product: Money transfer, virtual currency, or money service

I submitted a claim with CFPB ( case # XXXX ) a few weeks back. 
Wells Fargo has attempted to close out this claim and I am not satisfied with their response. 
I officially retired on XX/XX/XXXX from XXXX XXXX XXXX. 
WF indicates the XXXX XXXX XXXX took over XX/XX/XXXX which was almost a year after my retirement date! 
WF closed out my 401 k and transferred my monies to XXXX. Not XXXX XXXX. 
WF deducted over XXXX from my funds for transfer. 

I do not think their response for me to reach out to XXXX XXXX is appropriate. 

Thank you
Product: Debt collection

CLASS ACTION LITIGATION PENDING A OUT OF COURT SETTLEMENT OFFER BY XX/XX/2019.
Product: Credit card or prepaid card

on XX/XX/2021 I found an unauthorized transaction XXXX XXXX XXXX XXXX  charge {$85.00} XXXX on my Discover credit card. I called and disputed this charge with Discover. They investigated it and they said this charge was valid and refuse to reverse {$85.00} to me. The Discover told me I need to contact with XXXX XXXX to get a solution. 
It is just because the XXXX company have provided some documents to Discover? so I have to pay this charge? It is unfair for a customer like me. 
Case Number : XXXX Merchant Name : XXXX XXXX Dispute Amount : {$85.00} I think the credit card fraud use is not a consumer 's faulty, right? My vehicle is small XXXX XXXX XXXX XXXX the full tank is about 15 gallon at most XXXX and never can add over 25 gallon, {$85.00} XXXX unauthorized transaction by somebody ). 

After this unauthorized transaction, I was frozen the credit card so nobody will be continue to use it again. But on XX/XX/2021, I found somebody used the card again on XXXX gasoline station - XXXX XXXX and fortunately I blocked it. 

Please advise me how should I do for this situation? Thanks you very much XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX # XXXX XXXX XXXXAccount # XXXXXXXX XXXXAccount # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXAccount # XXXX XXXX - XXXX XXXX - XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Money transfer, virtual currency, or money service

With regard to my situation of being defrauded out of approximately {$30000.00} during the Bank closing of my home and the funds transfer from XXXX XXXX to Bank of America, it's been established that although a freeze on the fraud account at Bank of America was initiated by XXXX XXXX , Bank of America FAILED to follow regulatory guidelines and freeze the fraudulent account. This resulted in a loss of approximately {$30000.00} to my family and I. 

As an update to my case, someone named XXXX from Bank of America reached out to me on XX/XX/XXXX at XXXX, the incoming number was XXXX. I again explained my situation and asked XXXX why the Bank of America fraud account was NEVER frozen when a SWIFT RECALL was placed by XXXX XXXX and why the Bank of America fraud department is not willing to work with law enforcement. I tried to add law enforcement to the call, but as soon as the call was connected to the detective assigned to my case, XXXX abruptly hung up the call. Again, I can not understand how a professional transaction between XXXX XXXX and Bank of America on the closing of my home has left me and my family defrauded like this. I was defrauded out of approximately {$30000.00} because Bank of America failed to follow OCC guidelines and Banking Regulations. 

As per OCC guidelines, Bank of America should have frozen the fraudulent account initiated by XXXX XXXX and should have risk management in place to detect and prevent fraud. 

Operational Risk : Fraud Risk Management Principles | OCC ( treas.gov ) Bank of America to pay XXXX XXXXXXXX in fines, customer refunds over junk fees, fake accounts ( XXXX ) The detective working on this case has successfully subpoenaed the fraudulent Bank of America account statement and information pertaining to the activities of the account. From the statement of the fraudulent account, where my funds were transferred to, it is crystal clear that Bank of America NEVER froze the fraud account. The negligence of FAILING to freeze the fraud account and work with law enforcement has resulted in my family and I losing a substantial amount of money. My funds were left unattended in a fraudulent account where the fraudsters continued to log onto the account online, withdraw substantial money from the branch and continue to withdraw money from ATMs after we frantically issued a swift recall from XXXX XXXX. I am a working Mom with XXXX children and I honestly can not afford this kind of monetary loss. 

I am again asking representatives of Bank of America to contact me, the detective assigned to my case and XXXX XXXX and work with us.
Product: Vehicle loan or lease

Hello, I am a 100 % service connected XXXX veteran. I find myself in a predatory loan with Prestige Financial, regarding a vehicle I've only had approximately 6 months. ( XX/XX/2020 ) In desperate need to get a car to be able to make it to my VA appointments, I thought I found a good deal on a XXXX XXXX XXXX listed at {$19000.00}. I was led to believe I was financing with a great company at a great price. However, at 23.3 % interest I am already under water at just 6 months in. At the end of the loan, I'd have paid more than double the original amount financed. Furthermore, at a recent oil change with less than XXXX miles on the vehicle I find that it is a lemon with issues such as a hole in oil pan. 
I've asked Prestige to lower the interest rate to a reasonable Usury Rate or to let me out of the contract. They have refused to do either. I have filed a previous CFPD complaint with no resolution. I have been advised that I now have grounds to sue under the American XXXX Act and the Laws Against Predatory Lending. 

Per simple XXXX reviews and XXXX  complaints, this company is well known for it's Predatory Lending Practices. My situation is similar to many others who have had Prestige as their lender. 

XXXX is a similar predatory lending company who just lost a huge lawsuit due to the same practices that Prestige has. This does not seem to bother Prestige as they seem to have zero  interest in doing the right thing. 

This is my second CFPD complaint regarding Prestige. I have also filed a XXXX  complaint, a complaint with the Attorney General and will be looking into options to sue Prestige if this matter can not be resolved. Companies should not be allowed to prey on people with their predatory lending and there are Federal Laws against this. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX WI XXXX
Product: Credit card or prepaid card

I purchased a new {$50.00} XXXX XXXX  XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX Expiration Date : XX/XX/XXXX. I went on line and had it activated. The next day I tried to order an e-book from XXXX, the charge was rejected. I contacted XXXX and spent an hour on the phone with them and they assured me that the problem was not theirs. 

I contacted the customer service for the XXXX XXXX XXXX they have told me over and over again that the card is good. It has been activated, and has a {$50.00} balance. It still has that {$50.00} balance, but it has been rejected every time I try to use it. 

I even bought a new and different {$25.00} VanillaGift card, XXXX XXXX XXXX XXXX, Expiration Date : XX/XX/XXXX, to try again, I had the very same results. Looking a little bit deeper into it, it looks as though the Vanilla Gift card & XXXX XXXX XXXX  are the product of the some company. They need to be shut down for lack of customer care. 

When I tell told them these card still do not work, they told me again they should, but in reality they do not work. They offer no reason whatsoever as to why they don't, or won't work. So far, I have wasted {$75.00} dollars on these worthless cards. 

I don't have any other recourse, and I don't know what to do. 

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

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I went for a XXXX  appointment. At the dental office I discussed some financing options with one of the Employees through their affiliate Synchrony Care Credit. I ended up not taking their financing option and made the decision to pay for my XXXX XXXX out of pocket with my own money. Days later I received notifications about a new account and inquiries on my report. I can assure you that I have not used their financing. The company will verify it as well. Maybe there was a misunderstanding with the communication on the companys end, but this account was not authorized by me. I need it removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account that appeared on my credit report from Finance System. This is reported as a medical collection out of Florida. I have never had medical services from the area. Additionally, I have lived in Virginia during the time the services were rendered.

I contacted the collection company via a phone, Finance System, and they stated the information did not match my information. Specifically the date of birth. The representative who handles these disputes continues to be unavailable. Additionally, a written request has returned undeliverable even though this is the address provided to XXXX.

It was discovered that the first 5 digits of the social also do not match. This was determined by contacting the original creditor as provided by Finance System.

This collection is not mine and the predatory nature in which the collection company blindly assigns the debt is appalling and detrimental. I have no documents other than my credit report. However, there are no documents from the services rendered proving that this is my debt. Also, if documents are provided from the original creditor it would show that this debt is not related to me at all.