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

I had an account placed for collections with a company called CKS Prime Investments ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) earlier this year. I contacted them directly to resolve/pay the account and they informed me the account had been sold to a company called XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ) and thati must take it up with and pay through them. I contacted XXXX and we agreed to settle the account for {$680.00} ( original amount was {$900.00} ) and it would be reflected as settled or paid in full on my credit reports. We set up a payment arrangements which i ended up taking care of well before they were actually due. The payment i made ( see attached payment history and settlement letter from XXXX ) are as follows : {$100.00} XX/XX/XXXX, {$100.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX and {$180.00} on XX/XX/XXXX ( totaling the agreed upon amount of {$680.00} ). As of today, XX/XX/XXXX CKS is reporting me as still owing an outstanding derogatory amount of {$220.00} and and an open collection account remains on my credit reports. This is a willful and negligent violation of the agreed upon contract i made and fulfilled with XXXX XXXX XXXX and this account needs to be either updated to reflect settled/paid in ful land a balance of {$0.00} or removed from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, ALPINE CREDIT INC ( Opened XXXX XXXX, XXXX XXXX add a derogatory mark on my credit reports. ALPINE CREDIT INC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Debt collection

XXXX XXXX messed up their accounting when I closed my account with them and they have told me on 3 separate occasions this year that I do not owe the debt. Unfortunately XXXX assigned the debt to a collection agency who will not stop threatening me despite multiple calls from me explaining the situation. Each time the collection agency says they will contact XXXX to confirm the status but XXXX has no record of them doing so. The collection agency is Credit Protection Association L.P., XXXX XXXX XXXX, XXXX TX XXXX. The amount I am being told to pay is {$40.00}. Their reference number for the collection is XXXX. The phone number for the collection agency is XXXX. Constellation has assigned me a reference number for this issue - that ref number is XXXX. I feel like I am being extorted for this sum and wish to file a complaint against Credit Protection Association L.P .
Product: Checking or savings account

I had an account with American Express. Serve the account has since been closed, but I have contacted American Express serve on several occasions because I need to access bank statements from XXXX and possibly the end of XXXX because I made payments to a company for a trip I was to take this year And the company closed and refused refunds and I need proof of the payments. American Express serve has twice told me that they would mail me copies of those statements and have not every time I speak to them they say because the account is closed they dont have access to those statements, but it is my understanding that they have to keep bank records for five years even on a closed account so I am looking for assistance to try to get the statements that I need. Thank you.
Product: Credit reporting or other personal consumer reports

I have been receiving emails regarding updates on my credit reports that I do not recognize. I did not apply to these credit card companies. I have received a hard inquiry from XXXX XXXX on XXXXXX/XX/year>, XXXX on XX/XX/24 and I received a call from XXXX on XX/XX/24 stating a credit card was applied for in my name. There is also an employer added to my credit report that I do NOT work at XXXX XXXX. I have called XXXX XXXX to dispute this. I have called XXXX to dispute this- they advised it would be changed to a soft inquiry. I also contacted XXXX XXXX to dispute this as well.
Product: Debt collection

Apparently on XX/XX/2022 someone appeared at XXXX XXXX XXXX XXXX pretending to be my minor son, XXXX XXXX XXXX. They apparently sought care using his insurance information however, they got his middle name incorrect listing it as " XXXX. '' My XXXX XXXX XXXX XXXX XXXX rightfully denied the claim ( I assume that Dignity did not have anything to back it up like a photo ID, my signature, etc. ). 

Since then Dignity and their collection agencies have been trying to get me to pay the denied claim of {$240.00}.
Product: Mortgage

I applied for a mortgage modification in XXXX of 2021. I followed all the instructions I was given to have my mortgage modified. The modification was approved, and I was sent documents to sign and have notarized. I did, and I returned the document as instructed. I called to find out why my modification was not process and they said that the notary did not include my full name so I would have to get the documents re-notarized. I did and sent the documents back within 2 days of finding out I had to have the documents re-notarized. About a week later I got a phone call from PHH Mortgage, and they said my load was in default. The representative to talked to me said there was nothing they could do because the denial letter had already been sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I an enrolles with a company for family budget services to get my credit card payments reduced. The payment gets made but misses by a few days. Then XXXX XXXXXXXX XXXX puts me over the 30 days past due by hundreds in the month of XXXX and XXXX and is effecting my credit score. I've tried with family budget services, XXXX XXXX XXXX, and multiple credit reporting to dispute these past due amounts. These past due amounts are well over what was even due and is become extremely aggravating and XXXX  is not doing much to help.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I have noticed that I've been a victim of identity theft and found numerous credit inquires I have no knowledge of, here are the inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please remove these inquires from my credit report. 

I have also attached my identity theft report as well.
Product: Debt collection

This is XXXX XXXX, the consumer in fact, and natural person is sending this notice to AMERICAN EXPRESS. AMERICAN EXPRESS is a debt collector. Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including the AMERICAN EXPRESS. Since the AMERICAN EXPRESS decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ).

Upon receiving this notice, I implore you to CEASE AND DESIST further communication through all mediums, ie ; email, phone calls, consumer reporting agency or any other forms of instrumentality of interstate commerce or mails permanently, regarding such alleged debt in which I refuse to pay pursuant to 15 USC 1692c ( c ). It is unlawful to furnish any form to create a false belief to coerce payment for this alleged debt through deceptive means. Pursuant to 15 USC 1692d ( 2 ) the use of obscene and profane language in this correspondence was very abusive for me to read!! Not to mention the unfair means used to attempt to collect this alleged debt by attempting to add additional fees to the alleged principal amount giving false representation of not only the status, but the amount of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian many times about this issue. My credit file seems to have been mixed with my brother. My name is XXXX XXXX XXXX. My brother 's name is XXXX XXXX XXXX. We are also twins. We have the same birthday. Some of my accounts appear on his credit profile, while my Experian credit profile is non-existent. I have contacted Experian many many times over the course of a year and they fail to solve this issue. This is causing heavy stress and I need this fixed ASAP.
Product: Credit card or prepaid card

Coinbase charged my XXXX credit card {$3300.00} even though my account with Coinbase has  been closed for over a week. 

There is no way for me to have authorized this transaction since my account with Coinbase has been closed for over a week. Also, there is no way for them to have given me anything in return for this charge since I no longer have an account with them. 

This is fraud on many levels. One, they keep my banking information and credit card information on file even though my account with them is closed. Two, they still charged it even though I do not and can not authorize a charge. Three, no message from Coinbase regarding this charge. 

I since contacted XXXX to have my credit cards closed and changed to new ones. I also had to set up extra security measures on my bank accounts to try and prevent additional charges Coinbase might try.
Product: Money transfer, virtual currency, or money service

I'm reporting cash app I'm due money from them I'm getting the run around I spoke to there representative and there hanging up..plus I have email from them money still not back in my account
Product: Student loan

XX/XX/year> past due of XXXX ( inaccurate ) because i was on time with my payment Paid anyway the amount since it was going to pay towards my debt. The payment wasnt applied toward past due. Hopefully was applied somewhere. Idk. Not trusting them at this point.

Tried again, and again and again. 4 payments in XXXX month. Nothing went towards past due. 
Contacted customer on chat. Advised to select past due. Ok. Done that but At this point the amount doubled to XXXX Paid that. 3 times. Being assured by customer service will be applied. Still nothing. 
Contacted again by phone. On hold most of the XXXX minutes. Requesting XXXX since first lady was clueless. 
XXXX more clueless. Stated she will solicit a research about the situation. Horrible experience. Both had no idea what they were talking about. And i am still appearing past due. Now i really dont know what to do next.
Product: Debt collection

The collector that called me did not disclose the mini miranda or the recording disclosure. She also did not confirm any personal information before disclosing the reason for the call.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account from XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Product: Prepaid card

I am unable to access my account my username name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hired a company from XXXX to build a app. 

designs insight, inc. went to website had great reviews had a 100 % money back guarantee contract if not happy. 
wired them XXXX to build the app, had communication on line, phone and text with XXXX main people from designs insight after 6 months of no real progress they they starting asking for more money, I also paid them XXXX for trademark that was refunded by the credit card company agreed it was fraud. they stopped answering my calls and said the my account manager was fired. I said I would send more money to see what account should i use, i was not going to send it but wanted to see what they would say they gave me new wire info and a new company XXXX, XXXX. 
then they have XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX 
I filed a complaint with CFPB # XXXX I found out they are a bank of america XXXXustomer just like me of 20 years went into office, with my binder. 
met with XXXX XXXX, he agreed this was large fraud, people had multiple accounts with lots of wire transfers coming in daily, and the name they used was not real, I said he would send all my paperwork to the fraud dept and was very surprised this was not on the banks radar. I NEVER was contacted by the fraud department. I just want the XXXX p [ ut back in the account it came from. They are in the US. 
They are good and need stopped ... and people need their money back. 
No wonder they keep scamming people we dont do anything to them. 
please help me get my money back, that XXXX was a investment in to my future company. I know banks have insurance etc for this stuff they need to help their customers epically if another one of their customers in the issue No question its FRAUD>>>. I should the money wired back ..... 

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

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent My first letter to XXXX XX/XX/2022 asking them to investigate accuracy of the XXXX XXXX XXXX account on my credit report. I did not receive a response. I sent another letter XX/XX/2022 still no response. I sent my last letter XX/XX/2022 and i have yet to receive a response to this day but the disputed account shows updated as of XX/XX/2022. 

Also, on XX/XX/2022 they investigated the collection determined it was inaccurate and deleted it. Two days after XX/XX/2022 it reappeared on my report with no written notice which is a violation of 15 U.S.C. 1681 ( 5 ) ( B ). 

Experian and XXXX provided me with " verified '' " updated '' results after i received their results i did my own thorough research and found several inaccuracies. 

XXXX and XXXX are reporting the collection as open which is not possible on a collection. They all show different dates for the date as last activity. 

Experian is reporting a 1-month term when collection accounts does not have terms. 


In accordance with the fair credit reporting act XXXX XXXX XXXX Account has violated my rights. 

15 U.S.C 1681 section 602A states that i have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I have enclosed and Identity theft report and letter citing all the fraudulent accounts on my credit report. Under 15 USC 1681c-2, I demand you to Blocked and Removed these items on my consumer report.
Product: Credit card or prepaid card

Comenity Bank is clearly a predatory lender and needs to put on notice. I opened a visa charge card account at the XXXX XXXX retail chain which is handled by Comenity Bank. I used the credit card to purchase an item at one of the store locations. 
I promptly paid off the account however, the bank statements were confusing and misleading. There were two different balances on the statement. I payed the amount that was indicating what seemed to be the total balance owed in an attempt to bring the balance to XXXX. On XX/XX/2023, I payed {$290.00} to bring this balance to XXXX. On XX/XX/2023, I receive a statement showing a balance of {$5.00} with an additional late fee of {$32.00}. I immediately contacted Commenity to dispute this reported balance and now trumped up late fee. I indicated that I paid the balance on the statement and that the balance should be XXXX. I explained to them why would I intentionally leave a {$5.00} amount due??? The banks statements are purposely misleading, confusing and unclear so that they can then churn customers with ambiguous and deceitful late fees etc. They would not remove the late fee and insisted that in order to close the account, I must pay the {$32.00} late fee and {$5.00} balance which I did over the phone. I wish to receive from Comenity Bank a refund for the {$32.00} late fee, I then continue to get statements from this bank indicating I have a {$.00} ( XXXX XXXX  ) credit on my account. I have made numerous calls to this bank indicating to close the account, wipe away the XXXX XXXX  credit and send me a letter indicating that this account have been completely closed with XXXX balance. I am continuing to receive statements indicating that this account is still active.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX  XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX, XXXX : XXXX, XXXX OF XXXX Equifax : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft WATERFALL REVENUE GROUP Account Number : XXXX This is not mine. 

XXXX. Identity Theft WATERFALL REVENUE GROUP Account Number : XXXX This is not mine. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX This is not mine. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX This is not mine.
Product: Payday loan, title loan, personal loan, or advance loan

I AM LOOKING FOR ASSISTANCE WITH A TITLE LOAN. MY TITLE LOAN. LOAN ORIGINATION DATE XX/XX/XXXXXXXX  {$1000.00} AGAINST MY XXXX XXXX XXXX. AFTER SEVERAL PAYMENTS, THE TITLE COMPANY SUGGESTED REFINANCING FOR MORE TIME TO PAY. XX/XX/XXXXXXXX  MY BALANCE IS OVER {$1500.00} DESPITE MAKING HIGHER $ ON-TIME PAYMENTS EACH MONTH. TOTAL PAYMENTS I HAVE MADE AS OF XX/XX/XXXXXXXX  IS {$4500.00}. XX/XX/XXXXXXXX  MY OUTSTANDING BALANCE REMAINS AT {$1700.00} ON A $ XXXX.I KNEW THE RISK OF OBTAINING A TITLE LOAN. HOWEVER MY INCOME IS NO LONGER WHAT IT WAS. I HAVE SINCE HAD TO FILE BANKRUPTCY. I HAVE MANAGED TO KEEP THIS LOAN OUT OF DEFAULT. I CAN NO LONGER MANAGE THIS. MY XXXX XXXX XXXX VEHICLE IS ALL I HAVE. MY XXXX INCOME IS NOT ENOUGH TO LIVE ON. I HAVE CALLED AND EMAILED THE COMPANY 'S CORPORATE OFFICES, THE OWNER, THE LOCAL OFFICE. NO ONE WILL RESPOND. TOTAL AMOUNT OF PAYMENTS MADE TOWARDS THE PRINCIPAL BALANCE PLUS INTEREST ARE 3 TIMES THE AMOUNT OF THE LOAN. I NEED HELP. I CAN NOT LOSE MY VEHICLE.
Product: Mortgage

On XX/XX/XXXX I mailed {$270.00}. towards unapplied funds.

On XX/XX/XXXX I paid $ XXXX.towards XX/XX/XXXX 's Rent On XX/XX/XXXX I money gramed {$85.00}. towards XX/XX/XXXX's Mortgage.

I was told I would not be charged a late fee and I was.charged {$75.00}.

I called 22 times to still not have my payment showing for XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I told Experian reinvestigate the completeness and accuracy of the late payment on this account : Account name : XXXX XXXX  Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if late payment month and days is conflicting across other bureaus. this report is in fact inaccurate and Experian did not do that thorough investigation into this account which According to XXXX XXXX XXXX XXXX, Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete late payments. they are inaccurate. 

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 or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have removed this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNT : XXXX  XXXX XXXX.