23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I entered into a payment plan to pay off a copay balance with XXXX XXXX on XX/XX/2021. The plan was for two payments of {$84.00}. One payment was automatically withdrawn in XX/XX/XXXX and the second on XX/XX/XXXX. Both payments are reflected on my health savings account summary. Last week I received a collections notice from Credit Control , LLC indicating I failed to make the second payment and they were therefore attempting to collect a debt of {$84.00} owed to XXXX 
I tried dealing first with XXXX billing and they merely had me email proof of the payment and said theyd let the collections company know I was disputing the debt. Not trusting XXXX, I reached out to XXXX XXXX myself to inform them that there is no debt and to provide proof that I had paid the sum theyre trying to collect. They told me they will not accept proof of the payment from me and would just list the debt as in dispute for the next 30 days and wait for XXXX to sort it out. And if XXXX doesnt tell them the debt wasnt legitimate, they continue their attempts to collect and ultimately send this to the credit bureaus if I dont pay. They refused to accept proof that I had paid the bill they are attempting to collect. They gave me two options only : pay or dispute. 
Despite spending nearly a week emailing with the XXXX billing department, Ive gotten no where other than answering the same questions over and over and providing the same information over and over. The billing department only corresponds by email and I get a different person every time I try to follow up and they then repeat the same questions Ive already answered. Today, the best I got was the information was being forwarded to the investigational team except that should have already been done by any of the other people I previously spoken to. Given that XXXX is doing nothing to resolve this, I am concerned for my credit over a bill that I paid. Its incredibly troubling to me that a collections company can refuse proof that the bills they are attempting to collect on have been paid. And they seemed incredulous that Id suggest that they may have liability for refusing proof I have paid the debt theyre threatening to ruin my credit over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how the company has validated the alleged account attached in Exhibit A reporting on my Consumer Report, which I refer to in a sworn affidavit testimony I sent to them. Therefore I request that you consider this a final notice to the offices. Past this point, the company is willfully -Defamation my Character - Violation of the Fair Credit Reporting Act - Violation of the Fair Debt Collection Practices Act - Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ). 
The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that they are reporting. ***** ( copied from the affidavit attached ) ****** A major way I was affected by the subterfuge reports, is how I went through financial misery. It was very difficult to maintain a normal lifestyle without leveraging my credit. I wasn't able to purchase a home or a car to stabilize my living situation. I have to continue to pay rent at a premium rate because of the impact of Security Credit Services , LLC XXXX Inc 's willful noncompliance reports on my consumer report. I also missed out on multiple contracts, jobs and different income opportunities that lead me to financial hardships due to the noncompliance reporting on my consumer report by Security Credit Services , LLC.
Product: Debt collection

I was contacted by Nationwide Credit Inc about an XXXX XXXX card and fees on it which was not opened by me or charged by me. I already called XXXX XXXX about this issue. I therefore asked already to please remove this from my credit file. Please review nd remove this false information as I did not open or operate this account.
Product: Debt collection

I've been dealing with XXXX XXXX for a while on a supposed debt, that was taken care of by me with an endorsed security, and instructions along with my thumbprint. Two separate endorsements we're sent, then they denied me the opportunity to get their EIN number for offset, then XXXX XXXX sent my debts to a third party without my notice or agreement, and this agency is harassing me through emails and paper mail at my domicile, again without my consent, this agency called Mrsbpo, of which I've already complained to the attorney general of Maryland. I need to assert my rights as the consumer over these fraudulent acts by corporations acting in their best interests.
Product: Credit card or prepaid card

I have made several calls Chase Bank in order over the past three months or more.

I attempted to receive clarification regarding what I was being charged. I was never provided with a clear explanation of charges.

Even when I went to a branch office located 20 minutes by car from where I live. The branch officer printed a copy of my bank statement as it pertained to my credit card account ; but was unable to explain to me, why I was being charge more money than I had spent on my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are kept to be established as correct. I am in desperate need of these items to be INSPECTED and REMOVED. 

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

GM Financial 's computer system committed an error and cancelled the already established automatic payment to this vehicle account ; triggering two late payments one year apart.

ever since the inception of the loan GM has failed to establish the automatic payment appropriately, making it an unreliable method to assure consistent and accurate payment to my auto loan. 

after i spoke to GM 's representatives at XXXX i was told that GM for some reason expired the established payment method after every 12 months thus causing the damage. they said they would fix the reporting and that has not happened. most recently the month of XXXX has not elapsed and am already again being reported late even after the payments have been made on time. proof attached. 

consequently, my credit reflects two late payments caused by GM Financial 's error to maintain a reliable and accurate automatic payment method.
Product: Mortgage

Select Portfolio Servicing contacted my insurance company XXXX XXXX and told them my house was vacant. I live in my house. My utilities are all in my name. I get my grass cut regularly and I planted flowers 2 months ago. My mail box is only full if I get a delivery package in my mailbox. My car is usually in my driveway and Select Portfolio Servicing notified me on XX/XX/20 stating that my covid relief program HAD NOT ENDED yet.
Product: Mortgage

Problem : Mortgage was satisfied about 30 years ago. The title company found that Citibank did not do what ever they are suppose to do to be removed as a source of lien or other encumbrances Address of Mortgaged property : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Mortgage Statement : account : XXXX Address statement sent to : XXXX XXXX XXXX, XXXX XXXX, ny XXXX Person on statement ( me ) XXXX XXXX XXXX Date of statement : XXXX. 
I recently called XXXX XXXX at : XXXX They informed me the only way to proceed is to fax my issues and documentation to : XXXX I have faxed them 3 times in about 20 days and have not received any emails or calls from them. 
I called Citibank again yesterday and was told my only recourse is to fax them again ( which i did ). To date, no one has contacted me about my problem. The mortgage was satisfied in full about 30 years ago, but now that I want to sell my condo, i have discovered their failure to remove themselves from having anything to do with it. 
I am hoping that filing this complaint will get someone at Citibank to take some action to removing themselves before i have to hire an attorney to go after them for reimbursement should i loose the sale deal. 
Best of Regards and Respectfully submitted, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi ive been using cash app for years despite them taking peoples money & I was aware of that I didnt believe it nor did I think itll happen to me the amount of times it did. XX/XX/XXXX I tried to transfer money from my cash app account to my banks check account the transfer completed but the money never reached my account I was confused because my bank was fine they wouldnt take the money so meaning it was never transferred I then contacted what I thought was a live agent for cash app & it was a bot, they sent me XXXX cents for the inconvenience of my transfer not going through but that was XXXX dollars I was trying to transfer. On XX/XX/XXXX the same thing I tried to cash out XXXX dollars to my bank and it completely took it again & at that point I was over cash app. This has happened to my mom back in XXXX XXXX dollars cleared just disappeared from her cash app when she contacted what she thought was a live agent all it said was theyll handle the situation within 3-5 business days but they never did. This is ridiculous & its so frustrating when you cant speak to a live agent or someone over the phone. Look forward to speaking with someone soon. Thank you.
Product: Debt collection

Called me on my cell phone I told them I was working couldnt talk proceeded to call my phone 5 times in a row then called my employment I told them to call back later I hung up and they started calling my job 18 times in a row
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous complaints about my accounts being inaccurate but they tell me they received accurate information that I'm responsible for these accounts but didn't furnish me with any documentation I'm responsible. I'm requesting all three bureaus show me proof of ownership to these accounts. Disputed these accounts last year of 2018. These accounts are, XXXX XXXX account # XXXX XXXX & XXXX # XXXX TransUnion XXXX XXXX account # XXXX XXXX & XXXX & TransUnion
Product: Credit reporting or other personal consumer reports

XXXX  credit division is reporting information from creditors that should have been removed after i filed and had my XXXX XXXX bankruptcy discharged. 
XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy was filed ( XXXX ) and discharged ( XXXX ) reference # XXXX according to bankruptcy laws the above accounts should be removed from my credit report.
Product: Credit card or prepaid card

I opened a Chase Freedom Credit Card in an around XX/XX/XXXX. In XX/XX/XXXX, Chase closed my account. Since this time period, Chase has been unwilling to work with me and has consistently provided me with rude customer service. Several times they had claimed that payments were returned due to my bank accounts being restricted. I have checked with all financial institutions with whom I am an owner of an account and have confirmed there were no restrictions and all my accounts that I have provided to Chase to make payment are open and active. Due to the difficulties imposed by Chase on paying this account,, I requested a settlement on this account, beginning in XX/XX/XXXX. My requests were repeatedly denied, as well as several attempts at a payment plan. In XX/XX/XXXX, I entered into a Settlement agreement with Chase regarding this account, in the amount of {$2800.00}. It was my intention to pay this account off by XX/XX/XXXX. Due to Hurricane Dorian possibly making landfall over Florida and that I work in the tourism industry, my finances were severely affected because if business becoming slow, lack of hours etc. I contacted Chase on XX/XX/XXXX to see if I could move payments back to XX/XX/XXXX, with a final amount due being paid by XX/XX/XXXX. My request was denied and I was told that if I do not pay the entire balance by XX/XX/XXXX, my account will be charged off early and Chase does not have to wait the normally required 90+ days.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw inaccurate accounts on my credit report this morning. It made no sense, especially since I review my report regularly. This time, there were sudden discrepancies, and even after refreshing my browser, the accounts didn't disappear. I need the documents Ive provided to be thoroughly checked, so I never have to experience this frustration again.
Product: Credit reporting or other personal consumer reports

A FAKE BANK PULLED A HARD CREDIT REPORT ON ME THAT I DID NOT AUTHORIZE AND THEN SENT AN EMAIL ASKING FOR ADDITONAL DOCUMENTS SUCH AS MY DRIVERS LICENSE, DAT EOF BIRTH AND ADDRESS. WHEN I CALLED THE PHOINE NUMBER THE FIRST THING IT ASKED WAS FOR MY SOCIAL SECURITY NUMBER, WHEN I TRIED TO CONNECT TO A PERSON IT JUST RINGS FOR MINUTES ON END. I REACED OUT TO TRANSUNION THAT LISTED THE HARD INQUIRY AND SAID THAT IT APPEARED TO BE FROM A FRAUDULENT PERSON AND SAID TO CONTACT YOU.
XXXX XXXX PART OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX OREGON, XXXX. PHONE NUMBER XXXX  
PLEASE HELP
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are alleging I owe a debt that I do not. Neither credit bureau has sent me any evidence to support this claim and furthermore the note that is being used is the security that belongs to me. This debt has been canceled with the IRS and reported as income so therefore it can not be reported.
Product: Student loan

In XX/XX/XXXX I consolidated my XXXX loans because I applied for the PSLF ( Public Student Loan Forgiveness Program ). I worked at XXXX from XXXX-XXXX which is a XXXX XXXX public service company. I qualified for this program so my consolidated loans were transferred to XXXX XXXX XXXX. Under this repayment plan you have to make 120 qualifying payments on a RPAYE Plan and never late. After 120 payments your loan balance is forgiven. I had 20 qualifying payments while being employed at XXXX ( as stated in a letter I received from XXXX XXXX XXXX on XX/XX/XXXX ). Last Friday, XX/XX/XXXX I received a letter in the mail 2.5 years after qualifying for the PSLF Program, that this employer did not qualify for the PSLF program. XXXX XXXX XXXX took away my 20 qualifying payments and it is currently at XXXX. They are stating this is because their compliance department determined that XXXX is not a qualifying company. The is 100 % FALSE and they refuse to work with me to resubmit an investigation. I have documentation to support that XXXX is a XXXX XXXX XXXX public service XXXX company and does in fact qualify for the PSLF Program. You can clearly find on their corporate website XXXX that this is a public service company!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since Covid19 CARES at placed all student loans on hold until XX/XX/2020 my loan company XXXX placed remarks on all of my loans on my credit. My score dropped 60 points due to this. There is comments of remark removed but that does not clear the report that they reported me and late and does nothing to fix the 60 points my score dropped. I have contacted them by email and phone with no answers. This is disgusting and they have never acknowledged this or even told me that this was happening to my credit. Not an I'm sorry or we are working on fixing this. Who is going to fix my credit score? There is no option to dispute what they wrote on my credit. 
Im XXXX. I have worked so hard to repair my credit and get it to good standing and XXXX destroys me and my score and is hush hush. Fix my credit score and completely REMOVE the notes from my credit scores!
Product: Mortgage

Our Complaint ID is XXXX. 
We are asking you to send us the Company 's response. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Subject : Request for Resolution of Incorrect Personal Information on Credit Reports Correction of Personal Information : Update and correct all inaccurate personal information on my credit reports, including but not limited to [ specify the inaccuracies such as wrong name, address, or employment information ]. 
Confirmation of Corrections : Supply me with updated copies of my credit reports from all three major credit bureaus ( Experian, XXXX, and XXXX ) reflecting the corrected information. 
Documentation of Changes : Provide a detailed report outlining the corrections made to my credit reports, including before and after versions of the affected sections. 
Expedited Handling : Address this issue as promptly as possible, as it is crucial for maintaining my financial health and accuracy in my credit history. 
I appreciate your attention to this matter and look forward to a prompt resolution. 
15 USC 1681i - Procedure in Case of Disputed Accuracy : The credit bureau must investigate the dispute within 30 days.

If the information is found to be inaccurate, the credit bureau must correct or delete it.

15 USC 1681g - Disclosure to Consumers : 15 USC 1681b - Permissible Purposes of Reports : 15 USC 1681c - Information Excluded from Consumer Reports : Outdated or incorrect information must be removed from your credit report.

15 USC 1681e - Responsibilities of Users of Consumer Reports :
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage and my broker opted out of getting scam calls. So far, from XXXX until now ( XXXX ) I have received over 30 unsolicited phone calls, and all but 2 have been using spoofed phone numbers ( which violates FCC regulations ). The callers hang up if I don't specifically say yes or no during the phone call, which is a huge red flag indicating these are scams. All of the callers use generic company names ( i.eXXXX XXXX XXXX  ) which return dozens of companies using this name, and none of which are located in the area code they are calling from. 1 caller has even referenced XXXX specifically as the source of their information and 1 claiming to be with the VA confirmed he got my information from the credit run. I never authorized these XXXX credit agencies to sell my information to thousands of XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$640.00} XXXX  XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$500.00} UNKNOWN ACCOUNT XXXX XX/XX/XXXX {$360.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2024, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX : {$0.00} DEPTEDXXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumers report, I noticed that there were several accounts listed that are not mines. These accounts do not belong to me. 
Here are the accounts listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed information regarding inquiries to be in error. I have no knowledge of the listed reported inquiries and have not provided any authorization to access my credit file.
Product: Credit card or prepaid card

From XX/XX/XXXX to XX/XX/XXXX, my U.S bank cash plus credit card was hacked and used to purchase things from " XXXX '' from XXXX which I never heard or known of for total of XXXX . I contact U.S bank on XX/XX/XXXX to report fraud, US bank representative helped report to fraud department and lock the card for me and send me the new one. U.S has put provisional credit for the amount I have been stole. However, on the next couple days, I checked back my account and I saw U.S bank has reversed all of the credit they gave me and now I have a balance of XXXX XXXX My account balance was XXXX before the incident. I called U.S fraud specialist name is XXXX and she told me that she does not think it is fraud and she told me to investigate on my end. This is very frustrating for me and depressed. I contacted the merchant by XXXX and email them. They even said " you may have stolen credit card information '' and they told me to contact the issuing bank. Here are the following charges on the account that are not authorized, these are not included the foreign fee they are included for each transaction : XX/XX/2021 - {$210.00} XX/XX/2021 - {$210.00} XX/XX/2021 - {$520.00} XX/XX/2021 - {$340.00} XX/XX/2021 - {$390.00} XX/XX/2021 - {$430.00} XX/XX/2021 - {$430.00} XX/XX/2021 - {$650.00} XX/XX/2021 - {$390.00} XX/XX/2021 - {$130.00} XX/XX/2021 - {$560.00} XX/XX/2021 - {$640.00} XX/XX/2021 - {$650.00} XX/XX/2021 - {$650.00} XX/XX/2021 - {$210.00} XX/XX/2021 - {$600.00} XX/XX/2021 - {$210.00} XX/XX/2021 - {$540.00} XX/XX/2021 - {$120.00} XX/XX/2021 - {$210.00} XX/XX/2021 - {$300.00}
Product: Money transfer, virtual currency, or money service

I want to file a complaint against Block , Inc. ( operator of Cash App ) alleging violations of the Consumer Financial Protection Act ( CFPA ) due to inadequate customer service and failure to effectively address fraud on their platform, including a flawed dispute resolution process that does not comply with Electronic Fund Transfer Act ( EFTA ) regulations, resulting in significant financial loss and inconvenience, and seeking appropriate redress for these violations.