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

Had a loan with this company, XXXX, had financial problems, and ended up settling the account with them and agreed that they would remove the account from my credit report, this was back in 2019. I was checking my credit since i am trying to get a mortgage loan to buy a house and saw that, yes, it was removed from the credit bureus but from experian, had a call with avant they claim that they sent letters to the bureus to remove it but experian didn't do it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl,XXXX  XX/XX/year> Consumer Financial Protection Bureau Office of Complaint Response XXXX XXXX XXXX XXXX XXXX XXXX , Maryland XXXX Dear Consumer Financial Protection Bureau , I am writing to file a dispute regarding alleged violations of 12 CFR 1006.34 ( b ) ( 5 ) by [ Credit Collection Service Name ], a debt collector for XXXX  XXXX . 

Insurance was obtained on a car that we didnt have a month, when the car was repossessed because financing wasnt available I didnt cancel the insurance ; therefore I was charged insurance for a car I didnt have in my possession. I contacted the insurance company when I received the bill and gave them this information. I believe the insurance company owes me a refund. 

I received a communication from [ XXXX XXXX XXXX XXXX ] regarding an alleged debt originally owed to XXXX XXXX. I believe this communication violates the Fair Debt Collection Practices Act ( FDCPA ) through its failure to comply with 12 CFR 1006.34 ( b ) ( 5 ). 

they failed to provide accurate validation information, or that they continued collection activities after the validation period expired. ] I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against [ XXXX XXXX XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX
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 financial loss, and I seek appropriate redress for these validations.
Product: Credit reporting

There is no means on any of the bureaus to dispute the inaccurate balance showed on this item. My reports show I owe more than {$1900.00}, when in fact I owe {$0.00}. I am trying to buy a house and this inaccurate record is standing in my way.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Product: Student loan

My original student loan servicer sold my loan to Mohela at the end of the COVID forbearance. Somehow, Mohela got my bank account info and took {$190.00} out of my bank account for a payment without me uploading my bank info to Mohela and without my consent. They also did not notify me they were taking payment. I discovered it when I was looking at my online banking app. I didnt enroll into Auto Debit with Mohela XXXX My employer was making payments on my loan therefore Mohela got an extra payment in XXXX of 2023. I attempted to call Mohela and was on hold for over an hour and was unsuccessful at getting in touch with a representative. 
I was under the impression that my loans were in administrative forbearance because of the lawsuit filed against Mohela after they failed to send out statements after the COVID forbearance ended. Even though they did not communicate in any way that my loans were in administrative forbearance. On my account, it says that payment is not due until XXXX of this year. But yesterday, once again, I discovered a payment that was taken out of my bank account of {$190.00} even though it says payment is not due until XXXX. I have since enrolled in Auto Debit because when XXXX comes around, I didnt want to have to worry about remembering to pay. But I did not budget for this extra payment they took and I was not notified that a payment will be taken out of my bank account. Its impossible to get in touch with a representative and the website is unclear. I will be unenrolling in auto debit. I feel that this loan servicer has stolen money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX information to post or report negative remarks on my credit.
Product: Debt collection

I have reached out to the company several times and also initiated an investigation through XXXX and XXXX but to no avail.
Product: Mortgage

In  XXXX     2017, I b egan the loan modification process with Bank of America after several months of going back and forth with several customer relationship managers I decided to undergo  the  short sale process. I spoke with then customer relationship  manager   in  XX/XX/XXXX  w ho stated that the file for pending loan modification would have to be closed as a short sale and loan modification could not occur simultaneously. My home was then listed o n  XX/XX/XXXX . I  completed a short sale packet BOA requested of me once they received notice of the listing and it was submitted the first week o f  XX/XX/XXXX . I was  then mailed a home loan assistance packet on   XX/XX/XXXX  to b e completed. My foreclosure date is schedule d for  X/X/2017 .   I  find it extremely unreasonable for the them request yet another packet to be completed and approved before the foreclosure date. I am desperate for help and I have been trying my hardest to do all that has been asked between the time the request for a loan modification was started in   XX/XX/XXXX  and  when I decided to list the property. I believe that Bank of America is not doing what the government says the lenders should do to provide foreclosure alternatives to me in a timely manner. Furthermore, I do not believe that the costumer service relationship managers failed to do what was needed to accurately inform me of the process.
Product: Checking or savings account

I already wrote this once and now have yo write it again bc you system ate it Essentially Wells Fargo inappropriately access funds freely letting whom ever take whatever whenever. Didnt investigate claims just lose them an took the money back. It following their own written documents. They allowed merchants to repeatedly take funds out with authorization ; leaving consumer destitute and stranded taking refunds deposited to the account as their own collection agents withholding access to funds without notification of consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact XXXX, Equifax, and XXXX about hard inquiries on my report. I got the most push back from XXXX and XXXX but all 3 told me that they do not dispute the hard inquiries since they are factual data. I proceeded to tell them that I am requestion that they look into these hard inquiries or remove them if they will not. they kept telling me that will not, and they do not look into them. I proceeded to ask for a supervisor and got the same thing. I was told that I needed a police report or to file a complaint with you guys if I didn't like this. I then asked for the legal department because they have to legally look into them because I am requesting a dispute and for them to verify the accounts. They told me I am not allowed to speak to them and if I wanted to, I have to send a letter. They never started a dispute or noted that they would be looked into. I know this because I called back a day later to check if they were being disputed and was told they were not and there is no record of the dispute. This was done the week of XXXX. I told them I would be following up with the CFPB and they told me go ahead, they do not have to look into factual data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the rights FCRA, My rights have been violated by the 3 credit bureaus. XXXX, XXXX, Experian. For the past year now 2019. There has been inaccurate information placed on my credit file. Account information inaccurate, Old fraudulent debt reported has new. Between XXXX, XXXX, XXXX. I disputed 3 collection agency with the 3 credit bureaus. XXXX XXXX, XXXX XXXX. ALSO XXXX XXXX XXXX. Two which were medical debt that was not mines. Credit reporting agency allowed these collection agency to report inaccurate information, I send letters in for validation. These agency violated HIPPA. They violated my rights under FCRA. In XXXX of 2019 I sent in Proof of these violations to the 3 reporting Agencies. After a few weeks they deleted this items off of my credit report. I have all Proof and paper work. As of XX/XX/2019 XXXX, XXXX, Experian, has allowed these same collection agencies to report inaccurate information on my credit file as New! While I'm proceeding litigation. This has caused my credit score to drop significantly. This has cause so many damages under FCRA, it has also caused me and my family distress. I have all of my paper work together along with proof of inaccurate, on all of my credit file. Under FCRA Part ( A ) ( 5 ) ( B ) ( ii ), Also Under FCRA Section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting 3 student loan accounts with incorrect original delinquency dates, which is preventing them from aging off of my credit report. All of these accounts went into repayment per the promissory notes in XX/XX/XXXX, and they have never been brought current. However, XXXX re-aged them in XX/XX/XXXX after my chapter XXXX bankruptcy plan was completed, and is reporting them with an original delinquency date of XX/XX/XXXX. They are scheduled to be removed in XX/XX/XXXX, but they should be deleted due to their age.

I have attached the complete account history for all 3 loans and they show the 1st late fees charged on XX/XX/XXXX, which is the true original delinquency date. There have been some payments made to the accounts, but they were made involuntarily by my bankruptcy trustee during my chapter 13 bankruptcy, which was from XX/XX/XXXX-XX/XX/XXXX, & the amounts the trustee paid were not enough to bring any of the accounts current.

I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe these debts, the accounts are over the statute of limitations in my state, and the accounts have been reported as delinquent on my credit report over the maximum reportable time per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor ( Wells Fargo Bank ) has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

In review my XXXX  report ; I found this debt was from a eviction from a private landlord, i.e. Original Creditor : XXXX XXXX XXXX that was over 7 years ago ; it went to court in Washington State and there was a judgement ; to which was never resolved due to major discrepancies with this landlord that was not following laws. 

On XX/XX/2019 the original creditor XXXX XXXX XXXX sent this uncollectable debt to PUGET SOUND COLLECTIONS. This can not be collected, the original creditor knows that and the collection agency should know that.
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 customer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their Platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulation E. These Actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

Experian had added conjecture to my credit report of which I do not PAY them monthly for this unprofessional service! I have written letters and sent emails to NO AVAIL! 
XXXX XXXX, XXXX and XXXX have notes that the " consumer distributes, or disagrees. '' I have asked that they be removed. After waiting everyday last week and this week on the consumer service line for at the minimum XXXX minutes I am told the creditors say it is your bill. No kidding. Take the verbiage off " consumer distributes, or disagrees. '' I am also writing to the XXXX for assistance. EVERYONE should know that Experian is a friend of collections agencies, and that they are violating my Fair Trade Laws.
Product: Debt collection

Crown Asset Management purchased as debt from one of my creditors. I was in a program with XXXX XXXX XXXX, and the debt collector would not work with XXXX XXXX XXXX to negotiate the debt. I was then sued by Crown Asset Management and after consulting with an attorney, I agreed to a Judgment Entry with the creditor. The agreement terms were that I would pay one payment of {$130.00} on month 1, and {$130.00} dollars per month thereafter. The creditor did not initially provide me with their correct account/case number, which was required to make my payment on the website that they provided. Furthermore, nothing on the website affiliated it with the debt collector. The website address provided was XXXX. There is nothing on the site that establishes it as being connected to Crown Asset Management, which I thought was suspect. Still, after getting the correct case number, I did make the first several payments to the creditor. I noticed that after making the payments however, that they did not send me any payment confirmations via email, nor did they provide any confirmation number or notification that a payment was made. They provided absolutely no information concerning my debt or the payments that I was making. I may as well have been sending money into a black hole. I did not trust this site, and I ceased making payments. The debt collector has now moved to garnish my wages.
Product: Credit reporting or other personal consumer reports

In 2021, I attempted to apply for an apartment, and as part of the process, Experian conducted a credit check on my behalf. During this check, it was noted that there were delinquencies reported on my account. When I inquired about this, Experian stated that their records indicated these items were still unpaid. 

In order to resolve the issue, I took the initiative to conduct my own research, as Experian failed to properly investigate the matter. After my efforts, I was able to obtain a letter from the company involved, confirming that the outstanding amounts had been fully paid off. 

Despite this, as of now, my credit report still reflects incorrect information, and I have an erroneous credit score, with unknown entries on my account. The lack of a proper investigation by Experian has caused unnecessary delays and confusion, forcing me to address the issue on my own. 

I request that this matter be looked into and rectified promptly.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 my Paypal account got hacked and it happened about XXXX minutes before Paypal closed. I called and someone unsuccessfully tried to help me secure my account. I got locked out of my account and had to call again on XX/XX/2024 and the person on that called said that the person did it wrong. She filed a dispute about the unauthorized transactions. I never heard anything back and she said I should see my money back in 10 days. I never seen any of my money. I called today on XX/XX/2024 and they pretty much said that the person on the XX/XX/XXXX also filed the dispute wrong and it is too late for the dispute. 

My account shows that on XX/XX/2024 someone by the name of " XXXX XXXX '' was sent {$1.00} and {$100.00}. I do not know this person and I never sent it. PayPal refuses to help me get this money back. 

Also, shows that on XX/XX/2024 that there are unauthorized transactions to a company called " XXXX '' for XXXX transactions of {$1.00} and {$58.00}. I do not even know what this company is. Paypal says the best they can do say that I never received the product. 

Before the my account was hacked eailer in the day I transferred {$590.00} to my XXXX Checking account. Customer service put a dispute against this transaction when I stated that I was responsible for transferring the money. On XX/XX/2024 they reversed the amount from my XXXX account, but it never showed in my Paypal account. Paypal says they are trying to allocate those funds. 

In all I am hurt and do not trust Paypal anymore. I am missing {$760.00} that I have no guarantee to ever see back.
Product: Debt collection

XX/XX/2020 XXXX XX/XX/XXXXmountain standard XXXX arizona i am reporting a fraudelent attepmt to collect a debt that violates the Fair Debt Collection Practices Act i was notified by my mother that she revived a message on her voice mail .it plays as follows " hello this is XXXX from XXXX XXXX i have had an delivery agent out there to the property address on file and he was unsuccessful with getting some one to sign the documents today our contact is XXXX XXXX XXXX we will only be able to make 1 more attempt before we return your file as a failure to comply again our number is XXXX XXXX XXXX '' end of message from XXXX, the only word given when requesting the company name. 
i proceded to call the number and was requested to put in my moms phone number and the last 2 of my social. still no info on the company just a robot asking for personal information then i was connect to a person who request the same information and i was never told at this point it was a debt collection. i was currently concerned with how my social was obtained and she read me my first 5 digits i then proceed to ask who they were and she ignored that and told me she represents a law firm who is currently filling to courts for a 15 year old debit with wells Fargo. 
she asked if i knew anything about this and out of fear i said i remember an overdraft that was for XXXX dollars that never settled and disappeared. she said we are showing a balence of XXXX $ and we are reporting you to the bank chex system which will cost XXXX $ and placing you on a XXXX list to prevent you from opening accounts or having any check written. i said i need a lawyer and i would not answer any more questions i said this is a scam and i will not buy into it she affirmed me its not a scam how else would she have my social security number and told me shes send someone to have me sign documents and she cant just mail them i have to sign for them, which is wrong in my opinion, .i asked for the company name she replied pinnacle and her name was XXXX XXXX which seemed fake. i told her i do not approve you to do so and how will you send it if i haven't given you an address she read me an address that i didn't confirm to be mine and she insisted shes send some one out and hung up. i was never inform prior to call that this is an attempt to collect a debt or that i am being recorded i fell unsafe in my own house and fearful for my social security number being in someones hands like this i need help and i am very scared. this is so wrong for a debt collector to use such tactics to scare people
Product: Student loan

I previously contacted CFPB, regarding New Jersey class not notifying the credit bureaus that my Student LoanS have been paid. I have one final loan that needs to be paid to the debt collector they chosen to represent them. XXXX XXXX is the attorney used to collect the debt for New Jersey class. The attorneys XXXX XXXX does not report my payments to the credit bureau. New Jersey class has sent a notice saying that my final loan payment was late. If XXXX does not report to the credit bureaus how can New Jersey class say that my payment was late? My last loan payments are made monthly every month. I believe New Jersey class is retaliating against my filing a complaint against them. Theyre reporting my last loan payment as delinquent. If the account is in collections, and I making the payments every month, to XXXX XXXX, how can New Jersey class say the payment is late when they dont report to the credit bureau. This is a clear case of retaliation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following items on my credit report, including the late payments listed below. I recently learned that your company was sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate consumer disputes. According to the CFPB, XXXX has not taken appropriate steps to handle consumer disputes, leading to the inclusion of inaccurate information on credit reports. This can negatively impact consumers ' ability to access credit, secure housing, and obtain employment. 

Additionally, I understand that XXXX has a history of claiming disputes will not be investigated if theyve already been previously reviewed, yet there are concerns that no thorough investigation actually took place. I request that you immediately reinvestigate the late payment records in question, and I ask that any inaccurate information be corrected or removed from my credit report. 

It is imperative that these issues be addressed swiftly to ensure that my credit report accurately reflects my payment history.
Product: Debt collection

I try to resolve this problem with XXXX XXXX.They report a account under my name and my SSN with lot of mistakes.They said that they purchased this debt from a third party company like this on 2015 from XXXX XXXX XXXX XXXX.I was scared to death from operators after my call when they find my nr. They call me with different numbers mostly XXXX  XXXX numbers ( when you call back it said this nr is disconnected ) .They tell me don't move from house that sheriff department is on there way.I cant take this harassment any more.I attach the prove of errors listing to my credit bureaus file.The original creditor XXXX XXXX XXXX  was deleted from credit files because they not find prove to connect im the owner of this account.They are lot of complains against this company that they list credit files with lot of errors and harassing people to force pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION REFUSE TO REMOVE THESE UNAUTHORIZED AND UNVERIFIED INQUIRIES OFF MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX