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

XXXX is my loan servicer. I'm in the middle of a PSLF application and a consolidation. I have had my loans in forbearance and deferment. One day ago, I noticed my credit score dropped XXXX points because XXXX mistakenly did not apply my forbearance and deferment. I'm not quite sure what happened. When I try to call them, I am on the phone hours at a time and I'm always transferred to a supervisor or account resolution specialist that does not exist. I have been on the phone waiting for someone for two- and three-hour intervals listening to their awful music. I can't believe that this is how a company operates. It is unbelievable that the person I need to resolve this situation is hours away. I want to speak to someone to solve my problem. These companies buy and sell my debt like it's some kind of asset for them. They can destroy your credit and create a situation where you can lose your job if you have security clearance. It is one of the worst customer service situations I have ever had to deal with. I want to speak with a customer service person who can correct my credit report without having to wait four hours on hold. No one is that busy, but I do believe they very inept and in charge of more than they can handle.
Product: Debt collection

Procollect calls on a daily basis for XXXX XXXX XXXX and XXXX XXXX i have already spoken with them about these accounts but they continue to call daily
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed credit card on my XXXX credit report with late payments that are negatively affecting my credit score. I did not open this card myself, had no knowledge of it, and was not aware of its mismanagement. Once i became aware of the card, i paid it off and closed it immediately. I have tried disputing with XXXX but have not been successful. I really need and would appreciate some help.
Product: Debt collection

The caller is not giving any info on who they are. The caller keeps stating they are trying to serve me legal documents and gives an exact time/date that they will be coming to my home to serve me. The caller states if I'm not at home they will show up to my place of employment.
Product: Credit reporting or other personal consumer reports

I had recently tried to purchase a car and get pre-approved by XXXX XXXX. I discovered that I was unable to get approved due to derogatory and unauthorized charges on my account. I have multiple hard inquiries on my account that I wasnt aware of which has impacted me alot. I Have two closed accounts that were fraudulently opened and unauthorized by me. The first account was a credit card by Chase bank with the amount of {$3000.00} which was opened on XX/XX/XXXX. The second account was by XXXX XXXX of the amount of {$950.00} which was opened on XX/XX/XXXX. I have tried to contact these companies but was unsuccessful in trying to resolve this issue. These accounts that were opened have damaged me and will continue to damage me. I shouldnt be penalized for fraudulent accounts that were not authorized by me. Additionally, according to the Fair Credit Reporting Act 15 USC 1681 Law there shouldnt be anything that could damage my report. It is illegal. This is a defamation to my character and will continue to impact me on everything I do in life. I am a young XXXX XXXX that is trying to get a house, car, loans, and many more and with these damages to my account it will impact me drastically.
Product: Money transfer, virtual currency, or money service

I have cash app account and I've been trying for over a week I have {$200.00} in my account and they close my account for no reason they're making excuses saying I have not been verified I've been using this account for quite some time I ended up getting a new phone a new email and a new device so I have a hard time logging in so I called the company and I asked him if they can transfer it into my linked account that I have on cash app and they refuse to help me to hang up on me they're rude they're playing games every time I call they're making excuses and they're saying that they can not transfer anything it's not successful but I gave them all the information all my personal information and every time they hanging up on me they have me on hold for like XXXX hours and I've done everything I could with customer support I need help they're not giving me my money out of my account and they block it every time I use a cash app and make another one they will not no longer accept me to open another one they keep telling me open a new one will transfer it and they will not help me I need to get my funds out of this account and I can not get it they will not help me out I know my information but they keep saying it's not validated which I know it is because I always write down the same thing and use the same passwords all the time I just not able to access my old cash up account that I was using currently cuz I have a new phone so I can not verify it through my new phone so I called them and they will not help me out it's been over a week now all day long I've been doing this and they will not help me they keep hanging up on me I think they're scamming me for my money I'm trying to get my friends out of this account it's {$200.00} thank you so much
Product: Credit card or prepaid card

Applied for a credit card with capital one. Terms and conditions were 0 percent through the XXXX XXXX. They have not upheld those terms and conditions. I 've call on several occasions. First being XXXX XXXX. They requested I mail or fax a copy of those terms to them. I opted to mail them. I waited two weeks for a response. Heard nothing. I called back on the XXXX. They kept telling me they never received my what I mailed them. They never corresponded at times they said they would. Please help me hold Them accountable. They 've wasted me time and money.
Product: Debt collection

Mr. Cooper is a mortgage lender/debt collector. They are represented by XXXX XXXX XXXXXXXX. I am a real estate agent representing an estate that was in foreclosure. The property was sold XX/XX/XXXX. The wires were verified by the law firm XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, this property has been sold and debt was paid off. It is still being shown as in foreclosure in XXXX XXXX and they continue to make publications regarding this including one on XX/XX/XXXX and one on XX/XX/XXXX according to public information on XXXX XXXX. They are not working in a timely manner to resolve this. In doing so, the tenant is receiving door XXXX, notes on door etc. I spoke with Mr. Cooper and they would not discuss with me. I spoke with XXXX XXXX XXXXXXXX and was told they didn't have the time to talk with me and this was being resolved. It's XX/XX/XXXX and XXXX XXXX as of today shows a foreclosure date of XX/XX/XXXX. Completely unacceptable to take this long to resolve.
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. 


Account - XXXX XXXX XXXX Account - XXXX XXXX Account- XXXX XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXXXXXX XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX AccountXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Account-XXXX XXXXXXXX The Following Inquires are a violation of my consumer rights : XXXX XX/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 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 The following addresses are also in violation of my consumer rights : Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a 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.

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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.

I have also filed an identity theft report with the Federal Trade Commission on XXXX XXXX XXXX., report number # XXXX
Product: Vehicle loan or lease

My loan company has not been applying my payments to any of my late fees and has been charging me late fee 's for my late fee 's. According to them, I've never paid any late fees and all payment made online have been applied to the interest most of all and partial to the principal. I requested the information in detail for the payment allocation and was just forwarded back to the payment history page online which has very minimal information. I fear that at the time of my maturity which is in about 6 months they will push more hidden fees on me than expected. The other issue is the true balance payment due. The amount keeps changing, yesterday I made a payment and before the payment it said I owed XXXX, made a payment of XXXX and this morning it's telling me I owe XXXX. With that said, I want to protect myself for paying anymore additional fees than I have to.

Can you help me?
Product: Debt collection

Two years ago, in XX/XX/XXXX, my son patronized the XXXX  XXXX in XXXX XXXX. He accepted an offer of a lap dance back in the XXXX XXXX. Once in the XXXX XXXX he was told that he was obligated to buy a bottle of liquor. He accepted and gave his American Express credit card which we both share. I am the Primary cardholder. Next what happened is that my son was drugged at the club and the staff continuously used his credit card fraudulently charging excessive purchases and tips. I did not see the two or three fraud alerts Amex sent to my phone and therefore did not approve of any excessive charges. Amex paid them anyway and kept on through the evening. They claimed that the charges were approve through the App, which is not true because I never saw the charges that evening. When my son realized what had happened and that his card was used without his permission, he was back home and reported it to Amex. Amex refused to believe him. However, over {$2500.00} was paid on this claim and we thought that it was over. We were contacted by Amex just in the last few months of XXXX saying that the dispute of {$1700.00} was being charged back to the account. I made several phone calls to Amex to protest this. On XX/XX/XXXX I spoke with an American Express Fraud Agent who promised me " not to worry, '' that I would not be billed and that he would " take care of it. '' When I continuously checked my Amex account the charge was still there. When I called Amex on XX/XX/XXXX to inquire as why the charges were still posting to the account, they acted as if that conversation I had with the Fraud agent never took place, definitely a breach as to what the Amex Fraud agent said he would do. They totally went back on their word and acted like it never happened. I recently received a letter from Amex dated XX/XX/XXXX stating the merchant as XXXX in the amount of {$1800.00}? Who is XXXX and what's that amount. The latest dispute was in the amount of {$1700.00} and the merchant is XXXX. a real shady XXXX.
Product: Credit reporting or other personal consumer reports

Once again, TransUnion, as mentioned in previous complaints is reporting an account XXXX XXXX that are claiming a debt I DO NOT OWE nor do XXXX XXXX have in their possession any legal documents to prove this account is mine. My previous dispute request with TransUnion asking that they verified and provide method of verification of the account XXXX XXXX and TransUnion FAILED to provide me the appropriate information which proves that there are NO LEGAL documents to verify that XXXXXXXX XXXX  belongs to me or should be reporting on my credit report. This is sound prove that goes against my consumer rights according to the FCRA. I also have a strong believe that TransUnion are illegally using my Personal Information without my consent or authorization to make updates to the my credit profile like my Employment status. I currently do not have an employer nor did i authorize TransUnion to report XXXXXXXX XXXX on my credit. This is improper use of consumer personal information and if goes without resolution will result in LEGAL ACTION against TransUnion. Unlike XXXX and XXXX who were able to conduct a thorough investigations and took necessary steps to resolving all of my disputes and provide me with details regarding the dispute... TransUnion.. However still fail to provide their method of verification. Below i'll attached the letter received from transunion of updates to the account XXXX XXXX on my credit profile, but however not properly verified. I will also include screenshots of Transunion being the ONLY report agency reporting account XXXXXXXX XXXX on my credit profile as a result of FAILURE to conduct a proper investigation. XXXXXXXX XXXX are also illegally misusing my personal information which i DID NOT give consent to, neither did they ever contacted through mail, phone, email to verify and collect information about a debt that i owe. NEVER. which will also result in a legal action against XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My case relates to Experian Report Number # XXXX the alleged bankruptcy that is reporting on my credit report. I sent a dispute letter to Experian XX/XX/XXXX. Along with this dispute I provided documents from the Courthouse Clerk that the bankruptcy court does not report to the credit bureau, A letter from XXXX that the bankruptcy was not verified and has been removed, and a copy of the letter that Experian states their resource to verify bankruptcies is XXXX. I requested this item to be removed from my credit report because it does not comply with FCRA 611 ( 15 U.S.C 1681I ) and in violation of the Fair Credit Reporting Act. Experian did not properly investigate my dispute and take in consideration of the supporting documents. In response, I received an email XX/XX/XXXX from Experian stating the company has verified the information and has certified to Experian that the information is accurate. However, this is false because courts don't report to agencies/credit bureau XXXX XXXX could not verify the alleged bankruptcy and was removed. If XXXX is the source that Experian uses to verify the alleged bankruptcy. How is the bankruptcy verified and accurate? As a result, I would like for CFPB to investigate this matter. Copies of the Disputer letter and supporting documents has been attached.
Product: Debt collection

This was not my account and I didn't authorize anyone to set up this account.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit.

I feel and know that I was negatively impacted, due to my sex and race. As a XXXX XXXX XXXX XXXX, This is hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ' which they were not done appropriately. These errors on my credit were not appropriately investigated with supporting evidence, unfair practices, and improper insurgent of deleted account clear results of violation. I would like for all incorrect account that have been disputed to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX in the amount of {$1800.00} began reporting on my credit report on XXXX XXXX, 2013. Despite constantly disputing this debt with Equifax, the debt still remains on my account. I have yet to receive correspondence validating the debt or a copy of the original debt with my signature.
Product: Money transfer, virtual currency, or money service

I utilized XXXX through Bank of America to send money to another B of A customer. This was a business transaction where I transferred {$500.00} for services. The individual received the money never completed services and can now not be reached. 
Bank of America tried reaching the scammer they could not and now refuse to do anything further. The scammer was also a Bank of America customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 received notification from credit monitoring agency that a new collection in the amount of XXXX to Resurgenct Capital Services. The amount owed to XXXX was submitted and paid on the same day. I have also sent an email to the company requesting they review as payment was made to XXXX not the collection agency. I also requested that the debt be removed from the credit report because it is now showing as inaccurate as the account has been paid and closed per creditor.
Product: Money transfer, virtual currency, or money service

This is on regards of Zelle handing my disputes. At in light of cfpb law suit highlighting many issues. They reported to help be never did its lost funds. This is happing more often then not
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

On XXXX the XXXX or XXXX I received XXXX XXXX XXXX in the mail that I did not apply for. One of the cards had someone else 's name on it. I called the card company and had them cancel the account. Master Card advised that the account was opened on XX/XX/2021, and no charges had been made on the account. Master card advised that they had my social security number and date of birth. The Master Cards were taken out under the name of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the bank associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a buyer of mine opened a claim with PayPal for an unauthorized transaction. Paypal case XXXX. 

Realizing the mistake the customer cancelled the claim the next day. I have been on three separate conversations with Paypal regarding this case, and aside from the obvious disdain for me as a customer, each time they find a new strain of XXXX to throw my way. 

I made a screen capture of the case history which shows that the claim is cancelled, which they acknowledge one time out of three. 

They are holding my money and I want it back.
Product: Debt collection

I realized just about a month ago when my credit report was pulled that I had a collection for a medical bill that was fully paid by my primary insurance. The collection was from XXXX XXXX Medical Center in New York and the claim was for {$200.00}. As soon as I was made aware of this outstanding bill I had, I contacted my primary health insurance company to see if they had knowledge of a claim that was submitted and if I owed any sort of deductible payment. It wasn't even 12 hours later when I was contacted incessantly by Statewide Credit Services out of XXXX XXXX New York. I tried to make a good faith effort to resolve this issue and was met with such abusive and demeaning responses when they did reply to my communication. The other half of the time they completely ignored me and offered nothing but ultimatums basically threatening to make my life miserable and turn this into a vendetta. I am not used to such business dealings with unethical treatment. This was just probably something that was coded wrong by a health care biller and it has turned into an issue that has been stressing me out to the point of exhaustion. I really wasn't aware that collections agencies were immune to a code of ethics or could outright make threats, and handle business with outright abusive personnel. I really am unsure how they have a rating with the XXXX if they treat everyone like this. I really can't handle the downright duplicity in their claims and treatment of my account. I am asking that the CFPB intervene on my behalf. 
Respectfully,
Product: Debt collection

I sent a certified letter to have debt validated. They were unable to properly validate date. The validation that was sent belongs to another individual. 

Attached : original letter from me, letter from the collection agency and the verification with the name, ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX AZ ). The name has been circled in the document. 

Please have company remove from all credit bureaus.