23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had numerous account that were bought by XXXX XXXX  that were bought with negligence to the original contract. The issue began when I became hospitalized on a continuous basis and asked them to work with me on payments. Numerous times I asked for a deferment, explained my hardship and asked to see the original contract to see if there were any protections in place, due to XXXX. I was ignored every one of those times, the balance continued to grow and gain interest and my account was closed. Though the account was closed, they are still adding interest. This comes after years of good standing with the institutions, without even as much as a late payment on the account. I surely expected some sort of results when seeking help. But I was never sent an original contract to see my rights, I was never offered a deferment or hardship and instead I was just thrown away as a bad debt. There must be laws in place to protect Veteran 's like myself whom become completely XXXX and face the hardship of inability to pay. This information should have been provided, instead of requests ignored. XXXX bought the debt and continues to harass me to collect the debt when I was never given deferred arrangements or hardship options by the original creditor, as stated in the terms of credit. XXXX will also not provide the original contract from any of the creditors in whom they are trying to collect debt on. XXXX is predatory on Veteran 's and I can only assume anyone that faces XXXX. Requests are continually ignored with only statements provided and NOT THE ORIGINAL CONTRACT that states that XXXX options should have been provided from the original creditors to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co ntacted Caine and Weiner o  n   XXXX   XXXX  2017  re garding a collection account debt on my credit report which is not mine. I sent a letter certified/read receipt which they accepted and signed for. For    XXXX  2017 ,   the collection account debt was removed from my credit report.. However, it reappeared on my  XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I find mistakes in my credit report and would like to dispute inaccurate information in my credit report about XXXX XXXX with Wells Fargo Bank for an Auto Loan of {$10.00}, XXXX + that appeared that I owe double what I really owe and it surely affected my XXXX XXXX from XXXX ( Excellent ) to XXXX ( Good ). 

Thank you and hoping for your kind consideration on this matter.
Product: Mortgage

After filing Chapter XXXX in XXXX XXXX my mortgage lender shut off internet access to my account online. They also stopped sending monthly statements. 
I want to know why they say they do not have to provide me with monthly statements while in chapter XXXX. My understanding is a law was passed in XX/XX/XXXX prohibiting banks/mortgage lenders from doing this when there are issues with the account. 
Please note I pay my mortgage directly to the lender ... it does not go through my chapter XXXX trustee.
Product: Payday loan, title loan, personal loan, or advance loan

Wells Fargo charged me my entire amount for a furniture loan instead of the monthly payment that we had agreed apon. Wells Fargo charged me over XXXX instead of the XXXX. Called them to have this reversed on XX/XX/year> Wells Fargo said I should have my money back by the latest as of XX/XX/year>. Called them today since I had not received this payment. Was told it was filed incorrectly. now I will not receive my money back untill XX/XX/year> at the latest. I was charged an overdraft fee from my bank because of this. I can not pay my bills because of this that are due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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: Debt collection

I lived in this property for two years never late always on time with my rent. Moved out XXXX XXXX, 2015 and they told me i owe {$1900.00} for cleaning and damages in my apartment. The collection agency has called harassing me about this amount making threats numerous of times. I have written letters to both the agency and the original accuser. Not once did they provide me with an itemized list of the cost of these exact charges from cleaning services as requested in writing. They have came up with a made up amount trying to charge me because i did not renew my lease with them. They took my security deposit and that should have been enough for any cleaning charges etc. I do not owe this property any funds and they are making up amounts with no proof of damages cleaning that had to be done but giving me plenty of threats. I have XXXX witness that helped me moved that can vouch for me that this apt was left best cleaned. Prior to leaving i have had many issues with my tub not working lights going out refrig not being fix etc and i once did not complain about the neglect i received here, but then get a bogus charged and spoken to rudely like i did n't full fill a lease or something. I believe because i was young and single mother they were trying to get over on me. Especially with raising my rent every year and not my Neighbors. They will manipulate you into renewing a lease with them any way possible.
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, despute 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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my credit report in which I dont recognize. 
I also have closed accounts on my credit in which should be removed from my credit as well.
Product: Debt collection

This company is reporting an account to the  XXXX  credit bureaus  XXXX ,  XXXX , and   XXXX   for a balance that I paid completely off in  XXXX ,  2017 . It is a huge impact on my credit report which is causing me to be denied for almost everything.
Product: Credit reporting or other personal consumer reports

This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. I have challenged the reporting of a bankruptcy on my credit report 5 separate times on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. ( A copy of the letter is attached ) I demanded every document they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not compliant with the law. This must be done in Metro 2 Format reporting. In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately. 

Equifax data furnisher is XXXX XXXX. XXXX XXXX sent a letter stating that there is NO verifiable Bankruptcy on it's data file and removed. They also initiated several disputes trying to communicate to Equifax, yet Equifax failed to respond to any of them their dispute request. The letter clearly states as such and it indicates that Equifax is literally ignoring the information forwarded by it's only data furnisher. Equifax uses NO other data furnisher, and it clearly states that on their report.
Product: Vehicle loan or lease

The day of XX/XX/year> i inquired about a car at XXXX XXXX XXXX and was informed that I was approved for a loan through Sensible Auto and they want {$2500.00} down and I could bring {$1800.00} for down payment and they would defer the remaining. The bank verified my income and stated I used fraudulent check stubs but they declined to call the company for verification the loan was. The bank never approved me it was a scam and XXXX XXXX XXXX have refused to refund my {$1800.00}.
Product: Money transfer, virtual currency, or money service

In XX/XX/2019 XXXX Paypal account of 10 years got restricted, preventing us from receiving money or transferring money out of the account. We received a document request and we responded to all quickly with the requested information with no further responses from PayPal. After numerous calls to customer service, I was told the restrictions will be lifted within 180 days. I never happened regardless of our efforts. 

We have called customer service several times who are unhelpful and say there is nothing they can do other than file a ticket with their " back office '' but never provide contact information for someone who we can speak to directly to resolve this problem. 
And lately, we can not even speak with someone on the phone or get an email response. 

We feel like we are being **bleep** around with here and at this point, Paypal has wasted several dozen hours and thousands of dollars in losses for our business.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of my XXXX XXXX account XXXX ) as a collection/charge-off, which is negatively impacting my credit score. Multiple discrepancies appear on each bureau between, open date, last paid date, and reported date. The reporting of this account appears to be inaccurate, as I continue to see a balance listed after the account was charged off on all three credit bureaus. ( shown on the attachment with XXXX XXXX discrepancy at the bottom of page 7 and cont. on the top of page 8 from all bureaus. ) I respectfully, request that your agency reinvestigate this matter and provide all the necessary and accurate information regarding this account. Furthermore, I would appreciate clarification on why there is a past-due balance when the report indicates a charge-off, as this seems to be a violation of credit reporting regulations outlined by FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CRESCOCAP, XXXXXXXX XXXX, and ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX CRESCOCAP, XXXX XXXX and ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Social Security Number ending in XXXX ), Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists an auto loan account opened at XXXX XXXX XXXX that's closed with a bal. {$27000.00} reported XXXX XXXXXXXX XXXX XXXXXXXX credit card bal. {$300.00} reported XXXX, XXXX XXXX XXXX {$300.00} reported XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that accounts, collections, and hard inquiries are the result of identity theft and fraud of the aforementioned consumer credit
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$1500.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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: Debt collection

I received a letter dated XXXX XXXX, XXXX from a company called Dynamic Recovery Solutions. They claim to represent XXXX XXXX XXXX XXXX. They list an original creditor as XXXX and an account ending in XXXX. They say I owe {$740.00}. I feel that this is incorrect as I have no Creditor known as XXXX. This does not appear on any of my current credit reports as an account. If this is my account I am sure it is old and past the statute of limitations in the state of Tennessee or perhaps it was an old account included in a bankruptcy I filed in XXXX. To summarize I feel that this is a non-collectable debt and I deny any and all responsibility for it.
Product: Debt collection

Transunion is reporting an account on my credit report on behalf of XXXX XXXX XXXX. The account which did not arise out of a written contract or agreement is now being showed to be owned by me. XXXX is listed a XXXX XXXX account.
Product: Debt collection

My personal information and identity was used without my permission to purchase a BMW vehicle in XXXX. I filed a police report and also contacted BMW directly. I have attached the Police Report and letter from BMW stating they would investigate. And as of today nothing has been done to rectify the amount owed on my credit report. I have perfect credit and no lates ever on my credit report. However, this faticious and fraudulent account on my report that I have reported is hurting my credit. I have reached out to the XXXX, XXXX   and XXXX on XX/XX/XXXX and XXXX and again nothing has been done.
Product: Debt collection

XXXX popped up on collections. Never heard of this company. Cant get ahold of them.
Product: Credit reporting or other personal consumer reports

Wells Fargo bought XXXX, where I had an account with auto-pay. Wells Fargo did not transfer my auto-pay to my account without notifying me. Subsequently, I was under the impression that this arrangement was transferred since they were responsible for transferring all amounts and methods of payment. As a result, my account was tagged for late payments for three months, which caused my credit score to plummet from XXXX to XXXX and caused other creditors to lower my existing credit cards or cancel the cards altogether in a credit card company where I didn't owe money. although no balance was owed, they closed the account and put me on a payment plan without rectifying the error or adjusting the " bad '' report. I have auto-pay on all my loans and credit cards and have never missed a payment with any source except the situation with Wells Fargo Bank . Even after they set up Autopay after extensive application, they have reported late payments with this in effect. I can provide proof of the reduced payments from my bank statement.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 CAP ONE refuses to fix this issue that is stressing and causing great emotional stress on my life. They are reporting a charge off for alleged debt that they never proved to me it was mine. All they sent were printed statements however this is not considered proof in court. 
CAPITAL One is reporting a charge off and this is against FCRA VIOLATIONS and they know this. 

A charge off means Capital One told the IRS they cant collect on this debt, the IRS gave Capital One a tax credit however CAP ONE is still trying to collect this alleged debt basically violating the law. I need them to send me proper verification or remove this account, immediately. Shame on you Capital One. 

Cap ONE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXXXXXX Balance : {$24000.00}, XXXX XXXX XXXX XXXX : {$5500.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$10000.00}, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In early XX/XX/XXXX I submitted updated XXXX income verification to have my payment counts adjusted. I was trying to have it processed faster and uploaded the completed forms I downloaded from XXXX and they were also transmitted from student aid.gov to Mohela. 
Mohela has failed to process the forms correctly after XXXX different phone calls throughout XXXX. Each time they have continued making errors on my account and now there are even more steps I have to explain that need to be correct. 
My income from XX/XX/XXXX through XX/XX/XXXX has continuously showed my employment is not certified after they processed that document, they keep saying they will review but never correct it. Now they have updated my current employment to reflect that it is the same as my previous employment and I asked them to correct that and they will not. 
They do not call when they have questions about processing but insist I wait for them to send a new notice. 
I dont know how else to fix this and Mohela doesnt seem willing either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an account listed on my credit report byXXXX   XXXX XXXX XXXXunder account # XXXX I sent a dispute letter regarding the information that XXXX  and Experian reported re : this account on XX/XX/XXXX and XX/XX/XXXX and both times XXXX and Experian responded by stating that they full verified the information on the account as 100 % accurately reported. However this is completely untrue. 

This account is being reported as a balance of {$8300.00} on my credit report however I have documentation ( attached ) from XXXX XXXX showing a balance of {$7600.00} since XX/XX/XXXX. As a matter of fact, you can see via ledger that a balance of {$8300.00} was NEVER owed by me to this company. 

What this means is there is absolutely NO WAY that XXXX   and Experian could have legally verified the information they claim they did and my rights as a consumer were flagrantly violated. 

Also, enclosed documentation also shows the account was opened AFTER the date Experian has reported on my credit report. Another violation. They also continue to report payment history despite this account being in a charge off status. More violations. 

Also I respectfully demanded proof from XXXX XXXX XXXX   XXXX that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS.

9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL No such proof was provided within 15 days from their receipt of my certified mail notice, which means the alleged claim of a deficiency is considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports is a violation of the FDCPA and FCRA.