23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Meridian financial is the reporting creditor on my credit report the account was closed they contacted me and said within 7 to 10 this account will be remove from my credit report but it was removed from my experian report not my XXXX reporting. I call XXXX they said meridian financial didnt contact them to remove this account.
Product: Money transfer, virtual currency, or money service

Various date fromXX/XX/XXXX through XX/XX/XXXX, various amounts the Paypal -- XXXX aka XXXX XXXX proceeded to somehow make transaction through my paypal account some which, was made directly on each on my credit cards that was listed in paypal system. This company XXXX also threaten me if I told pay it would be reported my institution as if they wrote my paper which, they only proofread my documents however, the company also at the amount of editing/proofreading was to be done by paying came back three days later to request more money because they stated it was the wrong price given. This was fraud. I contacted paypal and paypal stated they have zero tolerance for companies that conduct business to get over on customer. However, paypal stated limits or cancellation could be an option no documents was request and Paypal continues to allow company 's like XXXX ( XXXX XXXX ) to get over on customer without taking action. Paypal has not found out how this company was able to charge all my credit cards at one time making dup charges. Please see attachment.. Reference case # XXXX and transaction id # XXXX. XXXX ( XXXX XXXX ) has also falsified their location in Texas which, is a house purchase by and owner in XX/XX/XXXX. None of their numbers work and Texas Secretary of State has no listed info on this company. NO way to file charges or have them served ... Please see the companys " XXXX '' threaten chat posts and request after agree which was paid..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account reporting shows balance of {$490.00}. 
As of XX/XX/2023 and per the CFPB website. All XXXX XXXX under {$500.00} will be removed from credit history. 

I disputed and asked for this account to be deleted on XX/XX/2023. 
On XX/XX/2023 Equifax responded stating " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. ''
Product: Credit reporting or other personal consumer reports

I have noticed a number of credit card and other debts being reported twice on my consumer credit reports. 

There are accounts such as XXXX XXXX  purchased a number of credit card accounts that is being reported by XXXX XXXX and the credit card company such as XXXX XXXX for example. 

XXXX XXXX  is collecting or purchased debt from XXXX XXXX  so why is these accounts being reported by the Debt Collector or New Owner and the Original creditor? 

Is that fair credit reporting to report accounts in collections twice?
Product: Checking or savings account

Hello, I realized that fraudulent activity occurred on my account. Once I realized this, Immediately notified cash app. It took them several days to get back with me. These transactions where unauthorized. There was one that was done that I did not notice it until several days later. one was for {$20.00} and several days later {$2000.00}. Can app took days to respond and did not do anything to stop this. They notified me two weeks later that the investigation was terminated because I initated a charge back
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from Premium CB. On XX/XX/18 I sent a certified letter to Premium CB requesting proof of " written authorization '' by me with my signature to pull my credit. Premium CB only responded stating my file was accessed by " a vetted subscriber ''. Thus I am assuming they have to such documentation and do not have written authorization from me to either themselves or their " vetted subscriber '' According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion Premium CB is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my credit report or be provided proof I have given " written instructions ' to pull my credit. 

https : //www.ftc.govXXXX
Product: Mortgage

I have a mortgage loan with XXXX XXXX in which I received a loan modification. The mortgage servicer is Seterus. In XXXX I filed for bankruptcy in court with my lawyer. 
My lawyer asked for a reaffirmation for the mortgage because I did not file the residence as part of the bankruptcy. I want to continue to live in my condo and pay my payments. 
The lawyer has not been able to get them to send the reaffirmation papers so the we filed a continuance on the Bankruptcy until those papers could be presented to the Court. 
We can not give them a date to complete the hearing without the reaffirmation papers. The lawyer has called several times with no response. 
I have also filed a complaint with XXXX XXXX on the mortgage servicer ( Seterus ) handling of this issue. The lawyer said he never saw any papers take that long or any company not respond they way they have. 
I am hoping to put this behind me soon. Can you help by getting Seterus to send the lawyer the papers. They have all the information to get the papers in the mail. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX, GA ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working with XXXX and TransUnion to resolve an issue with XXXX XXXX, the loan servicer who bought my student loan from XXXX XXXX in XX/XX/XXXX. 

I have been paying XXXX XXXX XXXX XXXX monthly since XX/XX/XXXX. This is the only account I need to make payments on, and my credit score has not improved despite my timely payments. After going back-and-forth with XXXX XXXX personally and filing disputes against them through XXXX and TransUnion throughout XXXX, one of XXXX customer service agents finally disclosed the problem to me. 

XXXX XXXX has been applying my monthly payments to the interest on my loan exclusively. This was never clearly expressed to me through an agent or the loan servicers communications until I spoke to them on XX/XX/XXXX. Their reasoning for this is unclear. XXXX XXXX claims I agreed to exclusively making interest payments instead of splitting my payments between interest and the principal loan, which is not true. I immediately began looking into my refinancing options, and then I realized their insidious plan to prevent me from escaping their clutches. 

XXXX XXXX applied my payments to my interest exclusively to prevent me from raising my credit score and having my loan refinanced by another bank. They altered my interest rate upon purchasing my loan from XXXX XXXX to ensure my minimum monthly payments only cover the interest, and my loan continues to grow exponentially so I owe them more money. There is no way I can get out of this because XXXX XXXX added remarks to my account for the credit bureaus stating that the bureaus are not to raise my credit because I am only paying off interest, according to a representative from TransUnion. 

I believe XXXX XXXX wrongfully led me to presume my payments were being applied to the principal and the interest on my student loan. Until this month, I was in good standing with XXXX XXXX. Now, I refuse to pay them until all my previous payments are applied to my credit score so I can have my loan refinanced.
Product: Vehicle loan or lease

My car payment is {$490.00} see the attached revised contract. I will not make a car payment until your system has the correct information for my car loan. I have called XXXX XXXX to XXXX about this. I dropped an XXXX plan from the financing and the dealership sent a revised contract to your verification department several weeks ago. It is ridicoulous I have to continue to deal with this issue. What a horrible way to welcome a new consumer to the company. Everytime I call, I have to hold on the phone for over XXXX while someone calls the verification department to confirm what is per the new contract. 

Now the website shows the wrong car payment as well, next my credit report will show the wrong car payment. My next step is to take legal action against WestLake Financial if they do not fix this issue. See the revised contract emailed to Westlake Financial XXXX times and sent from the dealership over XXXX  month ago...
Product: Payday loan, title loan, or personal loan

I took out {$350.00} payday loan with a {$400.00} payback on XX/XX/2023, due XX/XX/XXXX,. Asked for emergency extension to my next ( second ) social security direct deposit, vi recently retired due to a XXXX. XXXX, XXXX at XXXX XXXX XXXX XXXX advance America, told me she has to put through the check she has on XX/XX/XXXX, but my SS direct deposit comes on XX/XX/2023. She will trigger my banks overdraft or NSF fees, I barely can pay for XXXX & XXXX, UNTIL XX/XX/XXXX. My bank balance checking is {$2.00} only. 

Will gladly arrange automatic {$400.00} payment for XX/XX/XXXX. Else health and wellness will suffer. 

My name XXXX XXXX, XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX - We issued a check for {$11000.00} payable to United States Treasury in payment of quarterly tax ( Tax Year XXXX Form XXXX ) and mailed this check at the post office located at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. 
XX/XX/XXXX - We received a bill from Dept of the Treasury Internal Revenue Service by mail, notifying us of changes to our XXXX Form XXXX which resulted in taxes owed for {$11000.00}. 
- We reached out to our CPA for advice regarding IRS letter, raising the issue of why we owed taxes. Our XXXX instructed us to verify the check payment made on XX/XX/XXXX and provide details. 
- We retrieved the details of the check from Chase Bank online. That's when we became aware of alteration to the check. The check was altered, payee was changed to " XXXX XXXX '', my signature on the check was forged. 
- We filled out Form XXXX XXXX Power of Attorney and Declaration of Representative XXXX. provided by our CPA to be able to contact IRS in our behalf about the notice and assessed penalties. 
XX/XX/XXXX - We contacted Chase Claims Department XXXX XXXX XXXX ) to file a claim, went to the local branch to get the form ( Declaration of Unauthorized Endorsement or Altered Item ). 
XX/XX/XXXX - We filled out the Form ( Declaration Of Unauthorized Endorsement or Altered Item ) provided by Chase, returned to the local branch and had the form faxed over to the Claims Department. 
XX/XX/XXXX -We contacted Chase Claims Department ( Reference Case # XXXX XXXX for follow up. We were informed that our claim was denied due to the time it took us to file this claim. Chase personnel stated we only had 35 days to settle from time of discovery, and since it was filed almost a year later, they no longer have the ability to recover the amount.
Product: Debt collection

I was contacted by my father, who lives in Florida, telling me that he was contacted by someone trying to serve me legal documents regarding a summons to court for a lawsuit against me. He informed them that I was unable to be contacted that day and took down their information to pass onto me. While he was giving me their information the company called me on my cell phone regarding the supposed lawsuit against me. I informed the person I had absolutely no clue what this was regarding. ( At this point I started to get very upset and worried since I had no information at all regarding this ). I called the company and they answered the phone as " legal services '' followed by introducing himself as XXXX XXXX with Western Portfolio Assets. I asked them for information regarding this lawsuit and then XXXX informed me they were collecting an old debt from a credit card company providing me with only a day that it was opened. No information regarding who the bank was or what company the card was opened with. He then threatened me that if I did n't take care of this on that day then they would take me to court and started informing me about how I would be responsible for paying all court fees and all of their fees for taking me to court and that they could garnish my wages and garnish all of my taxes. At this point I was downright terrified and panicked. He informed me that if I made a down payment of {$800.00} on that day they would drop the lawsuit and set up a payment plan for the remaining money but only gave me XXXX minutes to come up with the money. Due to my fear I simply complied with getting together the {$800.00} for a down payment. Since then I have received no further documentation from them proving the validity of my debt to them. I have also started doing research regarding the legality of this companies practices in my situation and stopped all further contact with them. Now they are calling me again telling me that they are taking me to court and they are even calling my family members under the name of XXXX telling them that if I do n't call them immediately they are filing a lawsuit against me.
Product: Credit reporting or other personal consumer reports

Equifax states there is a freeze on my account ; I am unable to access my account online and can only obtain information via phone
Product: Checking or savings account

On XX/XX/2020 my wallet was stolen. I originally thought I lost it home, but it had been stolen, and I had not realized it until on the XX/XX/XXXX I was notified of a charge from XXXX  of {$250.00} through a XXXX transaction. I immediately notified my bank, the car was frozen, and I was given a provisional credit. About a month later the provisional credit was returned to my bank and I was notified that the case was closed. On the XX/XX/XXXX I  appealed the claim, but it was denied by my bank. I contacted my bank on the XX/XX/2020 and was told that it was not a fraudulent charge due to my unique spending habits, but I rebuked by saying that I had never even heard of the merchant. It was concluded that they could do nothing further and that I had to contact XXXX or that merchant, but it was not done through my XXXX, and I have had little luck finding the merchant.
Product: Consumer Loan

I had payment arrangement with the bank and they reported me late on my credit report, I have made all my payment and I had a deferment arrangement that doing that my account would be current, but they are reporting me late.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates , LLC is in violation of Texas DCA, FDCPA, Privacy Act as well as other Federal and State violation. I demand for them to cease and desist their misleading communications using false allegations without verification 15 U.S. Code 1692c ( c ). This company is trying to extort money from me as well as traffic my information. I have no business with them nor have i authorized any such actions against me. This is abusive business practices using my private informations causing more exposure of my principal identity. This is a breach of my privacy and theft of identity. This company shall be fined and I will do what ever it takes to open all necessary investigations with the regulatory agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 secured credit cards with XXXX XXXX one for {$500.00} and one for {$300.00}. For the past 10 months they have only been reporting one credit card to XXXX each month making it seem as if one month I have a credit limit increase and the next month a credit limit decrease. When it should be showing on my credit report as 2 different accounts as I have 2 credit cards. I contacted XXXX XXXX and they mailed me a letter stating corrections had been made.. then again they did not  report the next month it said credit limit decrease. I contact customer service spoke with a representative the. A supervisor XXXX explained my situation they said they would forward information the the credit card team In the back office to have information corrected called again a 7 days later asked for a manager I got XXXX someone higher than the supervisor. She said they were still working on it 7 days later I called and got a representive named XXXX I asked to speak to someone higher she said I didnt need to speak to someone higher because XXXX and XXXX were handling it. She got XXXX on the phone and I asked for a director or VP someone higher than her. She told me XXXX would call me which he never did.. I called again the next day and asked for XXXX I told her that XXXX never called me and that she needed to be sure to let him know that this is a serious SOX AUDIT COMPLIANCE  issue that if I report them to the correct people the could be fined. XXXX called me immediately and said that he had found the issue and that he was working on it.. the next day the office of the OCEO contacted me her name was XXXX stated that she was taken over it has been 9 days and within the 9 days they reported incorrect information again making it look like a credit limit increase ... Im still waiting for them to call me back with a resolution
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. Cash App left 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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was sent to resolve the issue : Information : Sent on XX/XX/XXXX at XXXX I need an email stating the reason for 90 past due was because of a forbearance -modification period. This was supposed to be corrected by Roundpoint Mortgage just like my other account after the trial period was completed. I full filled all my obligations on time based on the guidelines of the forbearance -modification. This is a reporting error, as a result it has affected my credit rating negatively. There have several recorded phone conversations stating that the forbearance -modification wasnt suppose to impact by credit negatively. Thanks What do I need : An email giving an explanation for the 90 days past due within 24 hours.

Action : If I dont receive the email with 24 hours stating the inaccurate reporting, I will file a complaint with the Consumer Financial Protection Bureau at the end of business on Friday XX/XX/XXXX XXXX. Simply waiting for the matter to be vetted and resolve later is not an option. Its been months since the forbearance -modification was completed. Thanks. 


Sent XX/XX/XXXX XXXX All, I received a phone call on XX/XX/XXXX satiating my account was never late but there were no documentation ( email ) to support that. Im in the process of filing a complaint with Consumer Financial Protection Bureau as we speak.

Action : I need an email within 2-4 hours from Roundpoint delivering on their promise that the issue was resolved via email. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent LVNV account reporting on my credit. I have sent in a police report, an FTC report and despite my assertation that this account is FRAUD, LVNV continues to report the account on my credit. This account DOESNT belong to me and I am requesting immediate removal of LVNV from my credit
Product: Checking or savings account

On today, XX/XX/XXXX, my account was closed due to fraud coming from XXXX payments. I called and was interrogated about the payments, BOTH coming from family members. The payment from my MOTHER which her account is attached to mine was being referred to as fraud. Ive been a long time member and extremely disappointed but I just want my money and to go elsewhere at this point. Ive tried to reopen my account and work with them but they have refused. Horrible and rude customer service who hung up in my face and told me if i have a problem to Go to the police. Would just like my money.
Product: Debt collection

I received a notice from rent recovery solutions saying I owe them rent I requested proof of debt ( lease or something ) did not receive anything. This was reported to the XXXX and XXXX XXXX credit bureaus incorrectly. 

We are homeowners and do not owe any rent. I called the number o the dispute I filed with XXXX and the number belongs to a food truck. 

I am a very unhappy camper and this needs to be resolved and removed... ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXXXXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.