23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was involved in a fraud scam involving people impersonating the local county sheriff 's office and implying I had a citation for missing a jury date. They coerced me into paying for citation fees under the implication that they would be refunded back as they were claiming to consider me as Did not receive on the jury duty. I attempted to dispute the transactions with Paypal with no success leaving me to file an FTC report, Report number : XXXX and dispute the charges with my bank. Now Paypal is trying to reclaim funds that were stolen from me and taking action against my account saying I owe them money that was mine to begin with by reducing the account by - {$90.00} and claiming if I don't pay, they will send the payment to a collections agency leaving me feeling pushed and attacked as a consumer when I am trying to protect myself from a scammer.
Product: Credit reporting or other personal consumer reports

I disputed all of those unrecognized inquiries on my credit report they sent me a letter saying those inquiries were intact deleted but they are still showing on my credit report
Product: Debt collection

I had some fraudulent activity months ago about a car accident that I never was involved in. 
I contacted my insurance provider Because I was being harrased about owing and paying a debt that was not mine. 
My insurance clear cover said they would handle the matter. Sent them pictures of my vehicle with no damage and emailed all documents and letters I was receiving. 
It is not 6 plus months later and iam receiving calls and letters from CONVERGENT OUTSOURCING INC Stating I owe {$1600.00} but will settle {$560.00}, I do not owe any one anything, I pay all my debts in full. 
I feel like this is some fraudulent attempt to collect a debt that's not mine or had anythi g to do with me. 
Please any help is much appreciated. 
Thank you XXXX XXXX XX/XX/2020
Product: Debt collection

I was contacted by Resurgent Capital Services regarding an account that is NOT mine in XXXX ( XXXX XXXX ). In XX/XX/XXXX, after I disputed the debt, Resurgent told me, in writing, the account was closed and I would NOT hear from Resurgent or any of its affiliates again regarding the account. Then In XXXX of XXXX I get another collection from Resurgent for that same account ( which apparently could NOT be properly validated the when I disputed in in circa XX/XX/XXXX ). In addition to a collection letter, I also received a " account summary report '', presumably to serve as validation of the purported debt. However, this report was prepared in house, and admittedly based solely on information provided by a third party - not the original creditor. Such in house report prepared XX/XX/XXXX.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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: Vehicle loan or lease

One XX/XX/XXXX I did a consumer credit transaction with Chase Auto Finance. The total amount of the transaction was for XXXX ( which includes my down payment of XXXX ). This purchase was for a used vehicle and as per the retail installment contract, the finance charge was {$2000.00}. I ended up paying an additional {$12000.00} to finance the vehicle, which means that Chase Auto is in violation of the truth in lending act, 15 usc ch.41 1601. Chase failed to comply with 15 usc 1605 ( a ) as i should have not been charged any additional fees besides the finance charge as this section states that the finance charge is the sum of all charges. Additionally they are also in violation of 15 usc 1605 ( b ) as auto my auto insurance was not included in the finance charge. Chase failed to process this transaction appropriately and is in violation of 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) and they are required by law to pay twice the amount of the finance charge. On XXXX I sent Chase an Affidavit via UPS and it was received on XXXX. Today I am contacting the cfpb to get this matter resolved as quickly as possible.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX, USDOE/XXXX : Account Number : XXXX has violated my rights. 

I have viewed my Experian Credit Report on XX/XX/year> and have noticed some things that are inaccurate or incomplete. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum 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 general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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: Checking or savings account

This is a complaint again SoFi bank, I have had an checking and savings account with them for a year this month. On XX/XX/24 I received my paycheck via direct deposit in my account. I tried to pay a bill and it was denied, I checked XXXX 's app and my account to find my account was frozen. The wording was your account is being monitored for your protection and to call a number. I called the number given, I was asked to do an ID verification. While on the phone with the rep I did that via a link she sent, I submitted my Drivers License and did a face scan. She then sent it to the review dept but could not give me any idea when the review would be finished. I called each day since and this morning XX/XX/24 I was told when I called that the account was up for closure and I was not entitled to the funds in my acct. The funds that were there were from my paycheck and was in the amount of {$1600.00}. I was overdrawn by about {$40.00} when I got gas but the overdraft protection is for up to {$50.00}. That overdraft was taken care of with my paycheck leaving {$1500.00} in the account that they say I am not entitled to. They will not give me any reason why they won't send me the money via check after the account is closed. They won't let me speak to a supervisor or a manager and I have called at least 6 times today ( XX/XX/24 ) and they say that is all the info they can give me and they hang up. This is not legal as the money is from my paycheck and now I can't pay my rent or any of my bills and I'm in danger of being evicted now. I tried to see if the direct deposit could be reversed by the payroll dept of my employer XXXX but they said it won't work if the bank won't release the funds. If I've had an account closed before they have always mailed the funds left in the account to me with a check, so I know this is theft. I am out almost {$1600.00} and I would like help in forcing the bank to return my money to me. They wont even send me an email about the closure and XXXX of my paycheck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying XXXX, XXXX XXXX and XXXX monitoring services every month. These services will not update my balances or credit scores. I have called all three bureaus, XXXX, TransUnion and XXXX  on several different occasions. I have filed complaints with all of them and spoken with supervisors. I have elevated the calls. They need to update the accounts and credit scores. The three bureaus all say the same thing that they will update but never do. Two months ago, XXXX said they had a problem with their system and it has now been fixed. All the bureaus updating accounts and credit scores need to happen ASAP since I have been waiting for so long. They are holding me back as a consumer. For example, I am trying to refinance my mortgage but can't without incurring large refinance fees because of my current credit score. If XXXX, TransUnion and XXXX   would update my accounts and credit scores then I would be able to refinance and be able to control my debt better since I have the only income as a XXXX. This is holding me back as a consumer.
Product: Money transfer, virtual currency, or money service

.On XX/XX/XXXX, ( not sure if this ' the right date ) two transfers were made to my account. One for {$30.00}, and an other for $ XXXX.As a standard transaction procedure, I received a message from PayPal about those two transactions, stating that they were deposited to my account. Upon checking my account, however, the funds were not available on there. I immediately sent a message alerting customer service about the missing funds. A reply stated that they were. I questioned whether they might have been deposited to a previous account that I've submitted, that I had to replace by the latest that I've provided. The representative did not confirm nor denied that possibility. A back and forth ensued on this issue, to no avail. I called my bank, that couldn't verify the deposit, I was told since the said account, was already closed.Ever since that month, PayPal has been either reluctant or unwilling to bring this issue to a close. Being so frustrated with this issue, I had closed my account with PayPal.
Product: Debt collection

Paid my XXXX XXXX payment and said Im on collections and owe XXXX
Product: Debt collection

I received a notice from Portfolio Recover Associates who claim I owed them and the original creditor was supposedly XXXX  XXXX XXXX. The account number listed is XXXX. I have never received any communication from PRA as it may have gone to my parents address and was not forwarded properly. I would like PRA to provide me documentation pertinent to this debt and if owed would offer a settlement off of {$200.00} as I am not in an employed at the moment. I dont honestly think I owe but am destitute at moment. Please provide me any documentation in this matter.
Product: Student loan

I was contacted by Ameritech Financial about my student loan debt. I was told by a member that they would be able to help me save {$41000.00} dollars. I worked with XXXX XXXX and XXXX XXXX. These individuals above led me to believe that this company would help keep my payments at a fixed income and that after 10 years my debt would be wiped clean. I was provided these figures : I was currently pay {$230.00} a month on my student loans. {$260.00} XXXXX = {$3.00}, XXXX x  XXXX = {$78.00}, XXXX  in student loan debt. 
They helped me enroll in a program for a family size of 4. For seven months I paid them {$230.00} starting on XX/XX/XXXX on months 8 and beyond I paid {$120.00} a month. {$27.00} was to go towards XXXX and {$99.00} was to go to AMERITECH FINANCIAL to disburse to my student loans on my behalf. The XXXX was to receive {$26.00} I was instructed that the {$120.00} for a year= {$1500.00} x XXXX = XXXX, XXXX. Thus saving me {$41000.00}. I was made aware that the FTC was filing a suit against XXXX XXXX on XX/XX/XXXX. I have contacted them to cancel my business with them and gain control or my student loans and I have not heard from them. I want to know where my money that I paid them went to.
Product: Student loan

last year i noticed few thing on my report like Nelnet not only have i not done businesses with them i don't have a degree or anything like that when i try to reach out too verify the debit they said they would call back and a year later nothing this is a violation in many way i have attached docs for verification of this debt and all document ask for must be provided.
Product: Mortgage

RoundPoint Mortgage has lost money I have sent to them, miss applied monthly payments and have almost doubled my monthly mortgage payments. Missed paying my homeowners ins. twice causing cancellations of the policies. Refusing to investigate the certified complaint I sent them and now are charging me with late charges when I am current with my mortgage payments which are being mis-applied. I believe if they continue this inept and flagrant behavior in direct violation of the fiduciary laws will lead to unlawful foreclosure of my home.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR ACT CREDIT REPORTING ACT XXXX ACCOUNT # 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, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft
Product: Student loan

My XXXX children attended College of XXXX for one year. We took out a loan with Great Lakes this was our only option to pay for the school. Our other option was for them not to attend. We took out a loan for about {$12000.00} for each child. At the end of two years we still owed over {$12000.00}. We were paying back the loan each month and the fees, interest rate killed us. We could not get ahead on this loan. We finally took out a line of credit loan at the bank and paid off Great Lakes. We had a % 6.00 interest rate at Great Lakes. Since taking out the LOC at % 3.00 with the bank I 'm over 1/4 of the way paying it off. Not only did I pay the loan off with Great Lakes they took an extra payment and took a month to refund it. This was the only option available at the time to finance with the College of XXXX. We paid for two years with cash at XXXX XXXX College for both our children. They both got an associates and when deciding to further their education they chose College of XXXX, and we financed it thru Great Lakes. I believe Great Lakes scammed me out of money by not applying the payments to my interest while we had the loan. The loan went down by {$400.00} in two years!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX, MA, account number XXXX and XXXX XXXX XXXX account number XXXX has violated my rights. 
15 USC 1681-602A states I have the right to privacy. 
15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I am not liable for these debts, I do not have a contract with these collections and they did not provide me with the original contract as I requested.
Product: Credit reporting

There are duplicate entries on my credit report listing the same item. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed this alleged account directly with Fortiva. And later checked my credit report and there was no " NOTICE OF DISPUTE '' in the comment section so I sent another dispute letter pointing out that they're ( Fortiva ) is REQUIRED BY FEDERAL LAW TO NOTIFY THE CREDIT BUREUAS WHEN AN ACCOUNT IS BEING DISPUTED. Which they've failed to do. I have proof! 

a. Time-Stamped copy of my credit reports b. Certified mail receipts c. Including a signature showing that my first initial dispute letter was delivered and signed for. 

Fortiva is in violation of the FCRA Under the FCRA section 623 ( a ) ( 3 ) and or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period This is a federal violation and isn't to be taken lightly. I'm also attaching the dispute letter informing Fortiva that they've violated the FCRA and the FDCPA. They're now being NON COMPLIANT to the federal law! There is NOTHING IN THE COMMENT SECTION ...
Product: Credit reporting or other personal consumer reports

On XX/XX/2023. I received a notification via the XXXX app stating that my credit report was obtained. 

I did not give these companies the authorization to run my credit. 

These inquiries are going to have a HUGE NEGATIVE impact on my credit score. 

I need these companies to tell me why they ran hard inquiries on my credit. 

Who gave you the authorization to run my credit?
Product: Debt collection

Diversified Consultant disregards my notices that I am a victim of identity theft and the account in the amount of {$960.00} that they hold under my social is a result of identity theft. I have never had any obligation to diversified Consultants nor any company that it represents. There is no legal contract bearing my signature. Diversified also failed to notify me of any attempt to collect a debt or notification that they would be reporting this account to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last several months Ive had to constantly update my address every time I have my credit ran with Equifax I would submit the documents and then try to go in there and check the confirmation of my dispute and I will be locked out from submitting other documents that they want to resolve my issue they keep my old addresses on file there should know longer be on there they screwed up my date of birth one of their workers change my date of birth I had to update my date of birth which should have never been changed and I believe that this company is somehow doing fraudulent things to steal peoples information.
Product: Debt collection

Revco Solutions contact my mother in regards to a medical debt this is actively being disputed. My mother notified the agent that they had the wrong number, that it was her personal cell phone, and gave them my correct contact information. The agent then told her that she needed to tell me to " Just pay off the XXXX XXXX '' so they could " get this taken care of. '' The agent then discussed private information regarding this disputed debt with my mother. I am XXXX XXXX XXXX, I do not live with my parents, and my parents have not been involved in my medical care for over 15 years. At no point was my mother ever a party to this procedure. If anything, my husband, who is my emergency contact, would have been the one authorized to discuss this.
Product: Debt collection

I have been dealing with Midland Credit reporting false information to my credit report for the last 6 years. They said I opened an account while I was out of the country for 2 years and could not have possibly opened it. The person who did open it, didnt even provide the correct address. After 3 years of disputing through the credit reporting agencies, recently have been severely impact when the financial struggles have hit during Covid 19. I have not been allowed to increase my line of credit due to this fraudulent and illegal activity. I have tried to work with 12+ individuals and management staff to Midland Credit . 

I have filed police reports in XXXX Washington, disputed the debt to all 3 credit bureau, and called to speak with them 40+ times in 5 years. They have given me the run around refused to provide me with information for my disputes and knowingly continued to report false accounts to my credit report. 

Upon calling today XXXX and XXXX refused to provided me with any information I needed for this complaint. This company is the most unethical and poorly run business I have ever encountered. I am surprised the FTC still allows them to operate with this level of illegal behavior toward our communities.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX And XXXX XXXX is my son he lives with my mom I send money to him through cash app. On XX/XX/XXXX I sent him XXXX dollars to his account. They locked his account he couldn't take money out. I know hes only XXXX but that's the only way to send my baby money. Me and his grandmother XXXX XXXX has been trying to get the money for my son but they wont let me I request a refund they wont let me get the money back I send money to my son alm the time .I know he is only XXXX and not old enough to get a cash app but we never had a problem till now. He does not have his old number and cant remember the password to his gmail. I have sent so much proof I sent this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the XXXX  data breach and my identity was stolen. I went through the proper procedures and filed an FTC report with the Federal Trade Commission and I have also filed an identity theft affidavit. Unfortunately, I was not informed of the investigation results and I was not supplied any supporting proof documentation. 

I was not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore ny such debt, in fact exists.