23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This collection company is adding incorrect interest to my debt, per court order they are not allowed to. I have requested debt verification information more than once and did not receive a response. I have been making payments of $ 25 monthly since XX/XX/XXXX22, I missed XX/XX/XXXX and XX/XX/XXXX payment due to XXXX. I called the company due to my bank account being garnished. There was no contract that I signed. They refused all offers I made to make payments. I have been out of work the entire time. This company is adding daily interest not annum interest, which caused my debt to increase substantially. I have requested verification or my payments and certified letters mailed white no response. I have been paying monthly under NO agreement with this company. They stated since I missed 2 payments they garnished my mothers bank account that I am on to pay her bills. She is elderly and XXXX. They used a portion of he social security check to pay on my balance.
Product: Checking or savings account

On XXXX XXXX I went to ATM inside Branch on XXXX XXXX and tried to withdraw {$60.00}. The ATM took my {$60.00} and gave me a recipe and said call XXXX. Lol.. And withdrawal the money out my account. Then I file a dispute and was given a credit and later it was reverse. I still have this recipe.
Product: Debt collection

Ability Recover Services, LLC has repeatedly reported to the XXXX credit bureaus that I owe a debt that was paid to the original creditor by insurance. I have called them 4 times to resolve the issue and after they stated they would remove the debt from my bureaus, it has now reappeared on XXXX. When I call them to ask them why, they tell me that I " probably '' still owe the amount even though they have sent me an invoice that shows it was paid by insurance to the original creditor. The original creditor submitted an invoice to me that shows that it was paid as well as their payment company, XXXX. My last communication with Ability Recovery Services was today XX/XX/2016, over the phone where the Manager stated to me that I needed to speak to the person who is handling the account who is under here and that she believes that I still owe the money even though there are " paid '' invoices on file. When I tried to explain to her that I had received an invoice from the original creditor as them showing that there was a XXXX balance, she put me on hold for over 20 minutes. I have sent this company a request for validation of the debt pursuant to the Fair Debt Collections Practices Act 15 USC 1692g SEC. 809 ( b ) by USPS mail with signature required delivery but they have not responded to that request. They have only sent a generic letter or verification which ironically had the invoice that shows the debt was paid. On XX/XX/2016 their representative XXXX stated that the error would be removed from my credit reports and that it would not be put back on them. On XX/XX/2016 I received a notice from XXXX that the debt was placed back on my report by Ability Recover Services LLC. To date, they have continued to tell me that I need to contact the credit bureau 's and dispute with them and the credit bureaus tell me that I need to call the company that is reporting the negative file to have it removed.
Product: Credit card

XX/XX/XXXX I went on Frontier Airlines website to purchase tickets for an upcoming trip. On their website there is a banner ad ( still there ) stating that you can get XXXX air miles if you take out the Frontier Airlines MasterCard ( Barclay Bank ). It says that you must pay a {$69.00} annual fee and spend {$500.00} or more within 90-days. I did this and received the approval and then booked with the card for over {$500.00}. I have been arguing with them for 3/4 of a year now about not receiving the air miles. They have finally determined that I am due XXXX air miles because I used the card too soon. There is nothing on the site that tells you not to do that, and it would appear that the intention of the site is to get you to take out the card so that you may buy the tickets. If I am having this problem, I would be willing to bet that XXXX other people are as well. It is false advertising and predatory to say the least.
Product: Bank account or service

I opened the checking account and the safe deposit box with Wells Fargo couple of months back. Wells Fargo did n't generated the documentation properly and missed the sign in sheet. When i went to open the safe deposit box for the first time i was told that sign in sheet was missing but i was was let in to open my safe deposit box and bank manager confirmed that he will get the sign in sheet generated very same day and i should not have any problem going forward. On XXXX XXXX i went again to open the safe deposit box and again i was told sign in sheet was missing again. I asked for the manager and he told me to generate sign in sheet again and it will take couple of hours as there are other people in line or come later to open your safe deposit box. As i was in hurry i decided to go back and make up my mind that i should close my checking account and safe deposit box with Wells Fargo. I went to the bank on XXXX XXXX and i asked them whether i will be getting my money back for the safe deposit box annual fee or not. I was told that i will be given prorated money back so i asked them to close the same. After i closed both the accounts i got the money from the checking account but not for the safe deposit box. I was told this ca n't be refunded. Person who told you was wrong and this is non refundable fee. I need my money back from wells fargo.
Product: Debt collection

On XX/XX/XXXX, I was reviewing a copy of my credit report and saw a listing for XXXX XXXX XXXX XXXX. for a debt of {$3400.00}. I sent a certified letter requesting that they validate the debt, provide HIPPA consent for PHI, and original signature of an agreement for payment. On XX/XX/XXXX, I received a package in the mail from the company. Upon opening the package I found an itemized bill with PHI in the form of XXXX codes and service descriptions. I have never authorized my PHI to be given out to any companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX XXXX XXXX received completed compliant from Experian. XXXX closed two accounts my mortgage. I still paying mortgage just to a different PAYMENT Center is all. I've refinanced twice to lower interest rate. XXXX retained mortgage all this time Since XX/XX/XXXX.All they ever done was changed Account number. But XXXX has been lien holder all this. Since XX/XX/XXXX when went to purchase a ovehicle found out about credit Report. I never filed bankruptcy on XXXX.
Product: Vehicle loan or lease

WORST experience EVER. 
Have never had such a damaging experience in my 50 years of buying or leasing a car. 
Leased an XXXX XXXX XXXX from XXXX Audi. Paid XXXX on the lease over 3 years. Returned the car to XXXX Audi at end of lease to ground the car. 3 months later woke up to my credit score being destroyed from XXXX to XXXX due to a debt filed by Audi Financial for a {$39000.00}.

DEBT IN COLLECTIONS.

Appears my car was never grounded nor reported to Audi financial as returned at end of lease. It's has been over a year since XXXX Audi has my car and still has not been returned at end of lease. Called this dealership over 20 times just to be ignored. Yesterday, tried a different approach. Called their service department and asked if my car is ready to be picked up, and was advised they have my key and once locate care will call me. This is one year since car was returned and they have still not reported to Audi financial lease was returned. This experience has literally been the single worse commercial transaction of my life. I paid XXXX on the 3 year lease, retuned car and my credit was destroyed as a result of the experience. Worst part! 
Since advised XXXX Audi of the situation, they have completely ignored and lied about the situation with no remorse for their damaging unprofessional actions. 
Disgusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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: Student loan

I currently have student loans with EdFinancial. They erroneously reported to the National Student Loan Database that I am in student loan default. This was reported to my schools financial aid department and now I am unable to get student loans and it has negatively affected my credit. EdFinancial admitted this was an error on their end and that they would send a letter to the NSLD and the financial aid department within 7 business days. This did not happen and they are now stating it will be 40 business days before they can draft a letter stating this is an error on their end. This is negatively impacting my life in every aspect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove ( 15 ) unauthorized inquiries from my credit report. I did not authorized. These inquiries are fraud. 

XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  Acc Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX/XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address.

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, XXXX XXXX
Product: Debt collection

National Enterprise Services is constantly calling our company looking for information regarding an employee. I've asked them repeatedly to stop calling. They call several times a day. 
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: Mortgage

Green Tree Serving we have insurance threw them they wo n't let us file a claim.Could someone help us, This Mortgage Company is not doing something wright because the escrow does n't change
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT Im filing this complaint against experian XXXX XXXX and XX/XX/XXXXcredit reporting agencies. All three bureaus. As I stated in my last complain. have tried reaching out to all three credit reporting agencies / bureaus about the inaccuracies, incorrect outdated information on my credit report and about fraud .with letters via mail and hiring XXXX XXXX. Since XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I have enclosed evidence of debts not mine and evidence of fraud and someone forging my signature on documents and all 3 credit bureaus has updated my credit profile with information that didnt come from me nor the creditors and I have written them several of times asking them to remove all emails that is linked to my credit profile through all third parties companies that does alerts and monitor my credit to my credit profile to stop the fraud. Street address thats 5-30 years old and someone has been repeatedly running my credit without my permission. All 3 bureaus has ignore to investigate, communicate me back to me with a veritable Petson that works at the disputing department to fix the situation.. They have lowered my credit score for no reason. They are in violation of the FRCA and they are violating my constitution rights and hurting my credit reputation. Injury and crippling me in major ways as a consumer. They fail to respond to any and all of my complaints. Dates are listed in this complaint. If you received letters please show the letters you received. Or else you have reporting wrong information to my credit report confirmed XX/XX/XXXX without my consent and not one of the creditors asked for that. I have been trying to and I have XXXX law that can verify that they sent you dispute letters, intervention letters escalating letters and alike. You havent responded to any of them. I will continue to file a complaint until you prove yourself with evidence. I can give all evidence to all attorney general office. The have paid sequence solution And they sent letters to update to all three bureaus that I have satisfied that debt. I have audio. XXXX XXXX has sent over a letter that I do not owe that debt. You failed to prove otherwise. Its a easy matter. You will one way or another. Whether to a judge and to attorney general office. You will be responsible for my legal fees
Product: Mortgage

I have been trying to work with Ocwen since XX/XX/2016 to secure a loan modification. After many phone calls I noticed they were asking for the same information over and over or just not listening to what I had to say about my hardship. My work schedule is very irregular I work nights and may be away from home for several weeks at a time, also get paid from several different companies, since I was having a hard time explaining this to Ocwen, I asked my former Real Estate Broker to help me. With help of my brokers staff which includes people very familiar with the mortgage industry we have emailed and faxed over XXXX pieces of documents, including over XXXX very detailed letters of explanations, and signed and dated HR verifications, which it seems like Ocwen does not read at all?? or their staff does not understand English, as I would repeat almost the same exact thing in each letter and then was asked to send it again. 
My Broker and I both kept very detailed logs and noticed they kept on asking for the same documentation and they kept on asking us to change dates on the same documents add signatures at the bottom or re-send the same documents, which they admit they have but they want us to send in a different order?? I am now FULLY convinced that Ocwen is a scam and playing deceptive games and plain lying and just trying waste my time. If you look up the definition of " FRAUD and DEPECTION '' in the ENGLISH dictionary, this exactly what Ocwen is doing. We have asked for a supervisor to assist us on 4 different phone calls and sent the documents directly to XXXX different supervisor via fax and after each follow up phone call we are asked us to sign the same documents. Now after 6 months we have been asked to re-send the entire package to them again, why is this company allowed to lie, deceit and falsely advertise that help homeowners in getting a loan modifications? Is n't this type of action again the law now? I am formerly asking the CFPB to investigate these actions and ask Ocwen to get a supervisor that can actually do something for me, not just ask for the same documents week after week and then ask me to start this process over again.
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 Comsumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electonic Fund Transfer Act ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Experian has not updated my credit score since XX/XX/2024. I have requested for them to update the report several times. Experian told me that a creditor reported my address as a different address which was in correct and I disputed it and Experian told me that they corrected it and that my credit report would start updating on XX/XX/2024. Then Experian told me that it would start updating again on XX/XX/2024 and the issue had been corrected. At that time they told me that their system would update it in 30 days. Well it is now XX/XX/2024 and I tried to reach out again to them today but could not get past the automated system this time to speak with anyone. My credit report is still not updating as of today XX/XX/2024. They need to fix the issue on their end and let my credit report start updating again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some issues with my credit report. The following accounts listed below are supposed to be removed from my credit report because the allowable reporting time has passed. Please delete the account at once. 

US DEPT ED : Account number : XXXX, The account is past the statute. 
US DEPT ED : Account number : XXXX, The account is past the statute. 
XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXXXXXX XXXX XXXX : Account number : XXXX, The account is past the statute. 

30 days should be enough time for you to get this done. Please do not send a letter stating that the account has been verified. Im not asking for you to investigate, Im asking that you follow the law and delete the item as it can no longer be reported due to the 7 year rule.

Please send me an updated and corrected credit report. Please do not send a partial report, send a full report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed this item as a medical bill that was to be paid in full by the department of Veterans Affairs, as a Mission Act based XXXX XXXX  referral. This was allegedly for a CT scan, in regards to my ongoing XXXX treatments and follow-up. I have an XXXX, due to XXXX XXXX from XXXX XXXX. Please see attachments. This is attempt # 3 to rectify this problem. Also, I have an issue, in regards to logging into XXXX, to monitor this situation, and to view my reports.
Product: Money transfer, virtual currency, or money service

Zelle transactions made in error to a recipient in two separate occasions. 
XX/XX/year> {$4000.00} XX/XX/year> {$4000.00} When I realized the transactions were made incorrectly to the recipient I called him directly and this person refused to refund the money back. Multiple attempts were made directly to him, on my last attempt this person angrily refused to return any money and hang up without given me an opportunity to explain the situation. This person was under the impression I was doing something illegal. 

Subsequently I went to my banking institution but unfortunately they were not able to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document. 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, eliminate the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have multiple listings of a debts from IC Systems collecting for XXXX pet insurance. I was never notified of the accounts, and they appear on my credit report with no notice causing great harm to my credit report. One is even a duplicate! Moreover, I do not use XXXX. These items should be removed immediately! The amounts are : {$180.00}, {$180.00}, and {$520.00}.
Product: Consumer Loan

For the last 2.5 years, the creditor, Pentagon Federal Credit Union ( aka PenFed ), continues to incorrectly report an account ( XXXX ) on my XXXX credit bureau report, even after multiple disputes to have them correct this multiple times for the last 2.5 years. This closed account is a former automotive loan. The vehicle was repossessed in XX/XX/XXXX and went into charge-off status in XX/XX/XXXX. Further, XX/XX/XXXX was the date of first deliquency that preceded the XX/XX/XXXX collection activity, thus the negative aspect of the account is now over 7.5 years of age, and the account should be deleted from my XXXX credit bureau report. It has already been deleted from my XXXX and XXXX reports due to such. Per Section 605 ( c ) ( 1 ) of FCRA : " ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. '' However, PenFed continues to report the account as paid as agreed and in good standing, and does not list any negative information, effectively re-aging the account. While some would find my situation ideal, the issue that I continue dealing with is many creditors see the account and assume I have outstanding debt. It drastically affects my debt to income ratio by being seen as outstanding debt, and I often get turned down for credit. No matter how many times I have attempted to contact PenFed conceding this, they never correct the erroneous data they are reporting, even when they agree with me that it is reporting incorrectly. This is a seriously violation of federal law. I have included PenFed account statements showing the date of first delinquency proceeding the charge-off, as well as statements showing the date of charge-off.