23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THE PRE-FILLED OPTIONS DID NOT APPLY TO MY COMPLAINT I SELECTED THEM TO GET TO THIS PORTION SO I CAN EXPLAIN WHAT IS GOING ON I CALLED WAYPOINT TO DISCUSS A OLD XXXX ACCOUNT THAT I SHOWED ON MY CREDIT I ADVISED I WOULD PAY IT IN FULL AND REQUESTED A LETTER STATING THEY WOULD REMOVE AND DELETE THE ACCOUNT FROM MY CREDIT THEY ADVISED THEY COULD NOT DO THIS WITHOUT XXXX CONSENT AND STATED THEY COULD ONLY PROVIDE A LETTER STATING THE BALANCE WAS PAID IN FULL I THEN CALLED XXXX DIRECTLY THEIR CUSTOMER SERVICE DEPARTMENT ADVISED THEY COULD NOT GIVE ME THE LETTER SINCE I WAS CALLING IN I COULD HOWEVER GO TO A XXXX STORE SPEAK TO A MANAGE PAY THE FULL BALANCE WITH THEM AND GET THE LETTER I WENT TO THE XXXX STORE ON XX/XX/2019 PAID THE FULL BALANCE AND RECEIVED A LETTER STATING XXXX AGREES TO REMOVE AND DELETE THE ACCOUNT FROM MY CREDIT I CALLED WAYPOINT THEY REQUESTED I EMAIL THE LETTER SO I DID THEY REFUSED TO DELETE THE ACCOUNT ALTHOUGH I HAVE THE LETTER FROM XXXX STATING IT WOULD BE REMOVED AND DELETED AS THEY REQUESTED THEY ARE REFUSING SAYING THEY WILL ONLY GIVE ME A LETTER ADVISING THE ACCOUNT WAS PAID IN FULL BUT BEFORE THEY SAID THEY COULD ONLY REMOVE AND DELETE THE ACCOUNT WITH XXXX PERMISSION WHICH I OBTAINED NOW THEY WONT ANSWER THE PHONE WHEN I CALL AND I NEED THE DELETION LETTER TO PROVIDE TO THE CREDIT BUREAUS I HAVE ATTACHED THE LETTER FOR REVIEW AND I CURRENTLY HAVE THE PHYSICAL LETTER AS WELL
Product: Checking or savings account

in follow-up to case number XXXX, referring to a missing deposit for 3 checks deposited in the Bank of America application for a total amount of XXXX where the bank responded that those funds will be deposited to XXXX XXXX since they were collected, in Following up on this response, I contacted XXXX XXXX and in the last conversation we had, she told me that XXXX XXXX had to request these resources so that they could be paid to them and once received, they would deposit them in my account. I spoke with a representative of XXXX XXXX. and I even went to a branch and they told me that they could not do that process and they could not claim those resources since they never paid them to me and that Bank of America has to deposit that money for me, I have tried to communicate with the person mentioned above but I have not had any luck in being able to contact her, so I request her intervention and deposit those funds that the Bank of America has in its possession and that legally correspond to me, attached sheet from the XXXX XXXX where you can see that they could not credit resources.
Product: Debt collection

Caine & Weiner sent me letters about an alleged debt asking me to pay them. They are reporting to the major credit bureaus although they have not sent me any document to prove this debt is mine. I have requested twice by certified letter and these letters are attached with this complaint. I have asked Caine & Weiner to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to { {$300.00} }. I have never had an account with XXXX. I have sent them two Certified dispute letters stating that if they can not verify this account, they should not report or need to remove the account from my credit reports. They have responded once with a letter asking me to pay for this alleged account and have not provided any verification of this debt. They still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop. 
I have asked Caine & Weiner to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to { {$300.00} }. I have never had an account with XXXX. 
This company sent me a statement or letter showing I owe a balance. THey have not sent me anything showing my signature proving this debt belongs to me. 
I need this company to stop reporting this debt illegally to my credit report. I have also contacted the attorney general as this company has not provided me any documents bearing my signature proving this debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit Bureaus Has been notified of these fraudulent activities and they have no follow the rules of congress and removed all information listed in FTC and Police report and written letters sent. 

PLEASE HAVE THEM REMOVE ALL ACCOUNTS
Product: Debt collection

I was making payments with the collector. I asked for monthly notifications to be sent however they never were. I forgot to make a few payments and the collection agency reached out. I was speaking with them about starting back up payments. I was working with them and reaching out several times via phone and email where the agent I was assigned was not responded. My account got garnished!!! I tried calling other numbers and found out the agent I was working with was no longer at their company!!! This caused a huge about of hardship on me and my family. It took a long time to get my bank account unfrozen. I couldn't even make mortgage payments with my account!!!! I worked with them to resolve just so I could get my bank account working again. After I asked them to work with me on a new settlement and they declined. I feel it's very deceptive for a company not to send monthly statements. Most people in my position are VERY busy and trying to keep their heads above water. I was working XXXX jobs at one point, have XXXX XXXX etc. Pollack & Rosen should be investigated! XXXX XXXX shame on you for hiring a deceptive debt collector that prays on customers!
Product: Credit reporting or other personal consumer reports

I see unauthorized Hard inquiry on my credit reports : XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX
Product: Student loan

i paid three months of payments to Mohela for my student loan. they infromed me in XXXX that they put my loan in administrative forebearnce via an email dated XX/XX/XXXX. The letter states that I could ask for a refund for those months. I called and was told that it was being processed on XX/XX/XXXX. I called agaon in XXXX and XXXX and was told it was being processed. The last time I spoke to someone she I was on the phone for a total of 4 hours and still no idea when I would get refund
Product: Debt collection

I have sent convergent multiple letters I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Convergent has sent me a billing statement showing a balance of XXXX when the credit report shows XXXX this is inaccurate information therefore i am requesting validation of this debt bearing my signature
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 ( CFPS ). Specifically.Cash App filled to take time and effective measures to prevent an 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 ( ETA ) and regulation E. These actions have caused significant inconvenience in financial loss and I seek appropriate redress for these violations.
Product: Consumer Loan

Middlegate Funding is such a rip off and I would n't suggest anyone go through them because of the pain, harassing you and your broker and saying that I am a thief for borrowing money. They are not registered with XXXX and am going to take action with the FTC. They act all nice and sincere when you first call them, then the moment they wire you the money for a transaction they start changing there ways and treat you like XXXX. Middlegate Funding owners are XXXX XXXX and a person named XXXX, they act like they have XXXX people working for them but in all honesty it 's just them XXXX. They will have you convinced of an interest rate and then all of a sudden after receiving the money they will charge you more interest then indicated. Remember people are borrowing money for a reason, because of numerous financial reasons, so they know you do n't have the power to go after them. If you start negotiating a settlement they will say yes but then say now you owe me more for all other fees they make up. Bunch of scam artists and they claim they work with numerous real estate companies but in reality they have no one! We would love to have more complaints to file a class action lawsuit against them and get other stories from those that borrowed money from them at one pint or another or been through other horrible situations with Middlegate Funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly a late in XX/XX/2017 on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I normally receive a paper statement for this account via U.S. Mail. I did not receive XXXX statement. When I realized that this statement never arrived I immediately contacted the bank and made this monthly payment. I was assured by the representative that I spoke with that no late payment would be charged and that a late would not appear on my credit report. I was not aware that there was a late until I obtained the most recent copy of my credit report. This inaccurate reporting of a late is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this removed however, I have not been successful.
Product: Debt collection

I became behind on my XXXX XXXX XXXX when my Fianc got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment ed for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund.
Product: Debt collection

Crown Asset Management ( C.A.M. ) has violated my rights as a consumer. 

C.A.M. has brought upon unfair practices against me by trying to collect an alleged debt through litigation. Fact, under the FDCPA pursuant to 15 USC 1692i ( b ) they have no authorization as a debt collector to bring any legal action against a consumer.

C.A.M. has also violated my rights under 15 USC 1692j by furnishing a deceptive form to make me believe I owe this alleged debt. C.A.M. has also violated my privacy pursuant to 15 USC 1681a ( 4 ) by obtaining my personal information without my consent and also reporting inaccuracies to the major credit reporting agencies. 

Crown Asset Managements unwilful behavior has caused me extreme embarrassment, a ruined reputation, XXXX XXXXXXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone used my credit information without my authorization. I have contacted the creditor, and filed a police report, and an ID Theft Affidavit and the credit bureaus are reporting this fraudulent information despite my making them aware that the account is a fraud,
Product: Debt collection

Genesis Credit Management is the collecting agency for XXXX XXXX XXXX  Apartments who is the original creditor. I have never had an apartment with this creditor. They indicated that someone moved in XXXX of XXXX. I have owned and lived in my home since XXXX of XXXX and have NEVER had an apartment at this location.
Product: Debt collection

Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. UNITED REVENUE CORP has a collection account placed on my credit report.
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. 

These below accounts have violated mt rights : XXXX XXXX : XXXXXXXX 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 90days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.
Product: Credit reporting or other personal consumer reports

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

Capital XXXX : XXXX / XXXX / XXXX : XXXX/ XXXX XXXX XXXX/ XXXX XXXX XXXX. Has violated my rights/ XXXX student loan XXXX 15 U.S.C. 1681 Section 602A. 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information to open loans and credit cards and my credit dropped from XXXX to XXXX because someone used my information to apply for credit cards and auto loans which they are on collections now and even used my information for XXXX XXXX and XXXX XXXX XXXX and XXXX which I dont know how they got my information to do all that They have used my information for inquiries which hurts my credit and now I cant even apply for a loan or use my VA for loan due to this fraudulent activity on my files and I have tried to contact them to erase everything but they didnt. I need to get my credit score up and they need to erase all those collections and debts and inquiries because I had no idea how these got on my reports
Product: Credit card

To whom it may concern, My name is XXXX XXXX, and I am writing you with a concern I have. On XX/XX/XXXX my Affirm backed by XXXX XXXX ( Buy now and Pay Later ) account was hacked and three purchases were made in the amounts of {$210.00}, {$250.00} and {$250.00}. XXXX. When I discovered that the purchases were made, I contacted the company right away to inform them that I did not make the purchases and to stop payment. Two of the purchases were made through XXXX a travel site. They were for hotel stays that I never stated, nor does my XXXX account show purchase of any hotel stays at the XXXX XXXX by XXXX on or around XX/XX/XXXX and XX/XX/XXXX. The hotel has no record of me ever staying in this hotel. But the merchant still proceeded to add this as a write off on my credit report. When I reported this information to the company for a dispute in XXXX, they told me it was under investigation which took them until XX/XX/XXXX to state that the following information was confirmed and sent to the credit bureaus and collection agencies falsely. This was done after several attempts to contact them, and several affidavits were sent to them. They are still unable to show me any proof they obtained through their investigation that shows I was the person who initiated any of these charges, even after I requested the results of their investigation show this information. The same goes for the last fraudulent purchase at XXXX in the amount of {$200.00}. The total amount for the XXXX charges were {$250.00} and although I called them to dispute this charge, while under dispute they automatically charged my debit card ending XXXX which I had on the account for charges I did imitate in the past. I submitted several affidavits for this dispute and was sent the say letter state that the following information was confirmed and sent to the credit bureaus and collection agency. I do not have any knowledge of what was purchased at XXXX, nor did I receive any goods from XXXX. The investigation for the XXXX purchase was also concluded on XX/XX/XXXX I receive notice but was not provide any information they say the found via the investigation linking me directly to a purchase from XXXX either. I opened my Affirm account XXXX of XXXX and in total have used it 40 times. Which mean I have had 40 buys now and pay later purchases. I have never not paid for a purchase I have made. The company did not even take this into consideration when I reported fraudulent activity and refused to conduct a real investigation and held me accountable for fraudulent active, I reported as soon as it happened. Nor did they try to make any attempt to stop payment of any of the fraudulent activity. I am requesting that all negative account be removed from my credit report and my credit restored back to a positive status.
Product: Credit card

On XX/XX/XXXX and XX/XX/XXXX I applied for both a XXXX XXXX American Express card and a Platinum personal American Express card at which both were denied. I called customer service and spoke with an agent named Amid who stated the reason for the denial was because of information pulled from " XXXX '' a credit reporting agency. I advised him of USC Codes but still Amid refused. 

15 USC 1681 ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

I WAS DISCRIMINATED AGAINST because of third party information. AS MY DEBTS ARE PAID.