23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern My name is XXXX XXXX. I am writing concerning the account placed on my credit file by Portfolio Recovery. I have fought vigorously in XXXX for this account to be removed from my credit file. Today, I called the county court here in XXXX Texas to inquiry about the pending active suit against me filed by Portfolio Recovery several years ago via their law firm, XXXX XXXX XXXX. The case number is XXXX. I spoke with clerk XXXX XXXX and she state that Portfolio Recovery sent notice in XXXX of XXXX of a non-suit and order dismissing all claims against me with prejudice. But the law firm failed to attach the order for the court to actually dismiss the case. XXXX XXXX has reached out to the law firm many times to send the order to no avail. Meanwhile, the account is still reporting active and passed due on my credit file as it has done for years. I recently was denied a home loan due to this debt and denied credit with XXXX XXXX. Please send order to court to dismiss case and to all credit reporting agencies to DELETE from my credit file. UPDATE SEE ATTACHMENTS : Attached proof of documentation from court concerning Portfolio Recovery and XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  For Portfolio. Recovery has sent Court order TO DISMISS THE CASE AGAINST ME AND ORDER has been SIGNED BY JUDGE in the jurisdiction, where the initial petition have been filed! Portfolio dismissed my CFPB case I sent on last week and that was close so Im re-opening this because the proof is there in the form of legal document, signed by their hired attorneys from XXXX XXXX and signed by the Jurisdictional Judge in my city. THIS THE SECOND TIME IN ONE WEEK OF MY SENDING THIS INFORMATION TO PORTFOLIO RECOVERY XXXX XXXX
Product: Consumer Loan

I am a victim of identity theft happened XX/XX/XXXX. My wallet was lost and inside were my ID, social security card and birth certificate among others. 

This company Prosper Marketplace, based in XXXX CA, allowed someone to take out a fraudulent loan in my name for {$30000.00} in XX/XX/XXXX. I spoke to my local police to file a report, but they told me since I could n't prove it happened in their jurisdiction, no report could be file. 

They instructed me to contact the credit bureaus and they could help. So I did and told them this was a fraudulent account, they did n't remove the account. I have disputed this account many times, but it never is removed. 

So XX/XX/XXXX I contacted Prosper Marketplace directly by 1st class mail. I 'm sure they will say, they never received the letter. I told them this was a fraudulent account ; and I requested copies of the loan contract/agreement, so I can compare the signatures. As, I know it would n't be mine, because I have never got a loan from Prosper Marketplace, I had never heard of them. They never replied to the letter or sent me the requested documents. So I disputed the fraudulent account again, and yet it was n't removed from my credit reports. 

So XX/XX/XXXX, I wrote Prosper Marketplace again and again asked them for copies of the loan agreement/contract, so I can compare the signatures. Of course they will say they did n't receive that letter either. No reply from them and no copies of loan agreement/contract sent. 

I had did a free 15 minute consultation with a lawyer. He told me once i receive copies of the loan agreement/contract with the signature, to go to a notary and do a notarized affidavit of forgery, and send it back to Prosper Marketplace, with the loan agreement/contract, and this would be proof that I did n't take out the loan, or sign the loan agreement/contract, and Prosper Marketplace would remove the account from my credit report in 30 days as per the FCRA. 


Today is XX/XX/XXXX and I have still have not received copies of the loan contract/agreement. The reason ... it does n't exist, as I never signed any loan contract/agreement with Prosper Marketplace, never applied for or received a loan from Prosper Market Place, a fraudulent account How can a company be allowed to place a fraudulent account on a consumer 's credit report without a loan contract or agreement bearing that consumer 's signature? 

Prosper Market Place is violating my Consumer Rights, as well as the FCRA. I am asking for your help, to make Prosper Market Place remove this fraudulent account from my credit report. Prosper Market Place, Acct # XXXX ....
Product: Mortgage

For over the past 2 yrs Ive been experiencing undue stress as it relates to the handling of my mortgage payments by Mr Cooper. 
1. Ive been requesting to separate my mortgage payments from my escrow for 2 yrs 2. Application of late payment fees when I was already part-taking in the Covid relief program 3. More recently an outer cycle analysis was done after I made payment on their website for XXXXmy account states unapplied funds. According to XXXX on XX/XX/ my mortgage payment was increase I received no notification. On the date I paid my mortgage the amount to be paid was paid in full 4. I was told that the outer cycle analysis was completed because I requested to make payments separate from my escrow payments 5. I was denied my request to separate my mortgage from escrow - reason given was I missed my tax payment to XXXX XXXX. I asked How can I miss paying my taxes when all payments were being sent to Mr Cooper ever since Ive been with this company Ive been given the run around as it relates to payments and communication, I was promised that Im able to pay mortgage payments separately from my escrow after 12 months of straight payments now its that time and Im having problems again
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed. 
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 card

I was a victim of the capital one lawsuit and have not been compensated and card has credit card balance has been sent to collections.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  This is also completely inaccurate. 

XXXX XXXX XXXX XXXX Please start an investigation and prove that this actually belongs to me. 

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
Product: Checking or savings account

i had a wellsfargo account for about 10 years left them this last year because they charged me overdraft fees when i had money in my account, moved money out of my account without my permission then put it back a couple weeks later. i complained to them about this a few times, but it kept happening. do i quality for the settlement?
Product: Debt collection

I have been getting phone calls and got suspicious because of a incident with a fraudulent student loan forgiveness company. I had been recieving these calls for multiple hours throughout the day. My mom handles the other debt and financial stuff so I am not sure why they are calling other than me trying to aquire about my student loan forgiveness from XXXX discharge a month ago. This is also around the time the fraudulent company tricked me into giving my personal info thinking it was XXXX discharge or affiliated with them. I think I still have the screenshot of the ad of them on XXXX search but I'll have to look through my phone for it. Other than my student loans I have no idea why they are harrassing me. I kept blocking them thinking it was a scamming company. I'm tired of it. As far as I know everything is ok and dealing with bad debt collectors in  the past I refuse to speak to them and be intimidated into paying money I don't have.
Product: Credit card or prepaid card

I received a loan and it was direct deposited into a Venmo account. After a few days I was trying to transfer the money into my checking account so that I would have the money in there to cover my rent. It kept denying my transfer and then sent me an email to verify my identity and that my account had been frozen. I sent my drivers license and card customer service, my account had never been frozen before and I have other transactions with them. And they have also had a copy of my drivers license before because I deposited a check into the account with no problems. I contacted customer service and they said there is nothing that they can do and that the team that handles that there is no way that you can talk to anyone. I advised him that I needed my money transferred to the other account because I need it to pay my rent. I advised them I had gotten the loan to pay my rent and it was deposited into their account I can not afford late fees or any other charges they continue to tell me theres nothing that they could do that I would have to wait at least 4 to 5 days for them to verify my identity, which mind you has been verified already. And in the meantime I could not touch the money in my account that the account had been frozen.
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 proce 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 3.

480.

financial loss, and I seek appropriate redress for these violations.
Product: Consumer Loan

I 'm not quite sure how to complain about pay pal for running a hard credit inquiry on my credit report. On XX/XX/XXXX, while the latest XXXX I PHONE 6 S PLUS was unveiled. My cell phone carrier is XXXX XXXX. XXXX XXXX has implemented a new phone purchase plan. A customer since XX/XX/XXXX XXXX XXXX has changed their phone upgrade purchases. Previously, phones such as the XXXX phone that was released on XX/XX/XXXX reduced the price for new phone to roughly {$200.00} However, since XX/XX/XXXX XXXX XXXX has implemented a monthly payment plan that had a customer pay a monthly installment ( 0 % ) to pay for the new phone.On XX/XX/XXXX I ordered the new XXXX Phone ( through XXXX XXXX ) and implemented the monthly payment plan of XXXX XXXX. The order was complete, however when attempting a XXXX XXXX FICO score I noticed my score went ( from XXXX ) from XXXX to XXXX. This occurred due to the fact that my XXXX XXXX order of XX/XX/XXXX a XXXX hard line credit inquiry was also preformed without my knowledge and/or consent. I have attempted to call Pay Pal about this and was not successful in having this company removing this from my credit inquiry. I have noticed through this federal agency federal legal action has been taken against XXXX, however did n't see a process to joining any class action settlements.
Product: Debt collection

They called saying that they were law enforcement threading me, saying that there is a warrant for my arrest, that I will be going to jail and Ill be sued
Product: Checking or savings account

Complaint # XXXX was closed because of being late on the feedback. 

Feedback regarding provided bank statements and the missing bank statements -- - opened at the XXXX XXXX XXXX XXXX in XXXX XXXX and online. 

There still is no adequate explanation to the reason where my student account that I opened with {$25.00} of paypal funds was opened and the later issued XXXX credit totalling XXXX $ that was displaced due to abrupt closing the account without my permission. This caused interruption to the Professional Graduate Employment with Pennsylvania XXXX University and volunteering as a displaced graduate student on hold due to the mishandling of the arbitration of XXXX XXXX Sales who were bent due to the company breaching their contract and having the customer, me, become responsible for multiple vehicles, one which i was gifting to my significant other but further fraud by state farm insurance agent on top of this one, and on top of that from identity theft unresolved from 2013 further cauterized from 7 years fraud alert on my credit file and was promptly derailed again by further identity theft and fraud from discrimination as a person with a disability and as a volunteer musician and employed graduate student and recipient of XXXX. And now, the XXXX case has gotten shut down apparently due to fraud and discrimination. resolution is important and demand the explanation and resolution regarding the XXXX dollars and the other lost apprehendable bank statements to my main account opened at Date XXXX XXXX branch. Sorry for the mistakes, I am passionate and upset and if you need clarification please reach out to me for more information or preferably an in person appointment. 

There is another account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and alert as to current fraud on various other bank accounts due to discrimination and inability to handle mistakes in their bank and their personal relationship with customers. Such has been my XXXX account, my XXXX account, my US Bank Accounts one which is unknown and must have been to deter from findiing of fact regarding the matters and now in my XXXX XXXX XXXX account which was terminated due to a bank error by a banker who is beside herself lying regarding the event unfortuantely, we all wish good health to all the bankers and banks who are not 100 % accurate and make mistakes and are envious of those bankers whom are better than they are! God bless them and be able to deal with it without resorting to lies and fraud.
Product: Bank account or service

On XXXX XXXX, 2016 I was charged a total of {$680.00} by XXXX car rental agency. My final charge per my rental contract was only {$230.00}. After being unable to reach a resolution with the merchant I contacted my bank for assistance. They have been of very little assistance thus far and have yet to reach a favorable conclusion regarding my overcharges amount.
Product: Credit card or prepaid card

My XXXX card from Bank of America was hacked and about XXXX was taken from gas stations several retail stores and ATM transactions. I had XXXX deposited in XX/XX/XXXX. I was not recieving monthly statements at first.. finally start receiving the Bank of America XXXX XX/XX/XXXX. This is when I notice charges from XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX  charges. I filed on that but then saw other transactions I did not authorize. 
i circled all transactions that was not authorised by me.One of the conversations from B of A employee said there was XXXX looking man taking {$1000.00} from ATM location on XXXX and XXXX XXXX XXXX XXXX.but still have not been credited. I have asked several times for photos from a trnsaction of {$4000.00} with a teller... but the time of transaction is not possible because bank closes at XXXX and it occurr.ed ay XXXX and posted at XXXX B of A sent letters to me stating there was fraudlent activity and closed my account and issued me 4 other cards over time but still fraud was happening. They will not credit back my account and have a feeling they are dragging out their legal obligations and are filing bankruptcy.I have spent hour and half every week for a year to no avail ... ... HELP
Product: Debt collection

My complaint is about Allied Interstate collecting for XXXX XXXX on a XXXX credit card. 

During a period of financial difficulties, I got behind on my small debt with XXXX through XXXX XXXX They have since started charging me a huge fee each month such that I will have difficulty ever bringing this account current even though I make a payment each month. 

Allied Interstate calls me almost every day up to sometimes 8-10 times, including on Sundays. 

I have tried to make settlement with them but since most of their people do n't speak plain English it is impossible to deal with them. Even if you call XXXXXXXX XXXX itself, you still get connected with someone who does not speak clear English. 

If they want to call one time per day I can accept that but I am sick of the Sunday calls. 

This company should be shut down for its many violations of the federal debt collection laws. 

They call me both at work and on my personal cell phone.
Product: Credit reporting or other personal consumer reports

I had an account through Affirm that went to collections during COVID. I paid it all off with my last payment posting to the Affirm account on XX/XX/2021 for {$170.00}, but XXXX had it updated on XX/XX/2021 and nothing after. They DO have the last payment that they claim, which corresponds as my last payment PRIOR to my XX/XX/XXXX payment as XX/XX/2021. I have gone through 3 Dispute processes with XXXX and all three have been rejected. I called Affirm the last time to get more documentation. I got a PDF and they are also mailing me proof that my account is in fact paid in full, but XXXX claims that they called Affirm and Affirm claimed I haven't paid it, which makes no sense because my account shows that I paid ALL of my accounts off and that I don't owe anything on this account or any other account with them and the person I talked to confirmed this and so does my account online. I will also be doing a claim for Affirm also.
Product: Debt collection

XX/XX/17 approx XXXX Credit Management Services located in Nebraska called my employer, masking their number and asked to speak with me regarding a {$250.00} medical bill. I have spoke with them on at least three other occasions, and asked that they not call me at work. I once again told them not to contact me through this number.
Product: Credit reporting, credit repair services, or other personal consumer reports

my identity was stolen someone is using my credit and they keep putting back on XXXX XXXX XXXX XXXX
Product: Debt collection

I am reporting this claim on behalf of my account and information being hacked and stolen I aim not aware of the debt thats trying to be collected nor am I responsible for it I would like for this debt to be removed from my credit report I do not give consent for this debt to be reported on my credit profile
Product: Mortgage

Our mortgage Acct # : XXXX w/Bank of America was paid off on XX/XX/20. We forgot to turn off auto pay and a payment of {$5400.00} went out of our XXXX XXXX account via bill pay to Bank of America on XX/XX/20. Bank of America received the payment and accepted electronically. The payment was deducted from our XXXX account. 

We first contacted XXXX XXXX and BofA on XX/XX/20 to inform them of our mistake. XXXX XXXX said that their was nothing they could to since it was sent electronically and BofA accepted it. But they assumed BofA would reject it since mortgage closed and provide us a refund check. 

BofA, after being on hold close to 2-hours, immediately informed they are going through a system 's upgrade and it could be up to 10-business days before our payment will be refunded. The payment has yet to be refunded to us or XXXX XXXX. 

We can not access the account on BofA 's website anymore since the mortgage has been paid off. 

We have called at least 6-times and waited each time on hold for at least two hours. When we finally get through the customer care person can do nothing more than take notes and apologize for the delay. We have entered case # 's XXXX and escalation # 's XXXX, but nothing ever happens. We have requested return calls, none have occurred. We have been asked to be forwarded to managers, calls are always disconnected. We have called the local branch and they say they can not assist. 

We need your assistance. It has been three weeks and BofA is refusing to refund a payment of {$5400.00} we made on a mortgage that was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting misinformation On my credit report. XXXX XXXX should show a XXXX  balance On my credit report. I open this credit card with a cash deposit Of {$300.00} which XXXX XXXX never returned. This credit card Was secured with the {$300.00} cash deposit. XXXX XXXX is Reporting to the three credit agencies that I owe them {$250.00} Again I  owe them nothing and they owe me {$300.00} my deposit Which they never returned to me. 
XXXX XXXX XXXX should also show a XXXX balance On my credit report. I did a voluntary surrender of XXXX XXXX XXXX which was financed for {$7000.00} by XXXX XXXX XXXX. The total cost of the XXXX XXXX XXXX was {$9000.00}, I paid {$2000.00} cash down payment at time Of purchase. XXXX XXXX XXXX sold a XXXX  XXXX XXXX at a public auction for {$2000.00} for a net lost of {$5000.00}. 
XXXX XXXX XXXX reported to all three credit Agencies that I owed a deficiency balance of {$5000.00} still Owed on the car. XXXX XXXX XXXX sold the Car for under the Fair Market Value of the car, therefore I owe them nothing. They sold the car for under the Value That the car was worth. 
I want XXXX XXXX XXXX and XXXX XXXX Taken off my credit report.
Product: Bank account or service

I opened a Capital One 360 checking account online on Sat, XX/XX/XXXX and deposited a check from my daughter ( who lent me the money ) on the same day. The check was cleared. Transaction posted XX/XX/XXXX ; fund available on XX/XX/2012 as it said on my account ( See " Checking Account '' attachment ). However, on XX/XX/XXXX I received email from Capital One Services 6x ( each email with only a few minutes apart ) stating " Problem with your e-mail. '' ( See " Capital One Service '' attachment ). On XXXX, Customer Security sent email to me stating my account is restricted ( See " Customer Security '' attachment ). Without the least courtesy to contact the customer, Capital One went ahead and blocked me from making ATM withdrawal. I could not order a checkbook from my account either. Yesterday, XX/XX/XXXX, I called the phone # listed in the email sent from Customer Security ( XXXX ) and also the phone # listed in my checking account ( XXXX ). I was put on hold x 30 minutes each time without receiving assistance. I tried to leave voicemail, only being told by the answering machine there was no space available to leave voicemail. 
I called the # for new customers # ( XXXX ) two times ( the second time with the management team ) only to be told that " you have to be patient, my hands are tight and I can not help you at the moment. '' Both phone # XXXX and XXXX are non-human phone # 's. I requested the customer service management person to close my checking account and return the {$300.00} back as the check was cashed, but he denied of my request. 
This is the most horrible banking experience I 've ever had within the past 24 years banking in the United States. There is no Capital One banking center close to where I am residing and I can not get to speak to a human who can help me to resolve the issue. Therefore, I 'd like to file this complaint to request the Consumer Financial Protection Bureau help me closing my checking account and getting my {$300.00} back. I also would like other readers/customers aware of the level of customer service Capital One is providing to their online customers.