23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This account was charged off XX/XX/2023. Since then, the account has REPEADELY been updated as charged off every month. This is an update in the payment history that still has not been changed. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account property and your neglect has violated my rights. I am demanding a DELETION of the following account : XXXX XXXXXXXX XXXX XXXXXXXX, Account number XXXX
Product: Consumer Loan

Back in and around XX/XX/XXXX, My spouse and I went to XXXX for new carpet. The installers came and while our sitter was there installed the wrong carpet. We notified XXXX and they said they would correct. The installers came back a few days later and removed the carpet. so now we had plywood floors with XXXX children. XXXX went buy and XXXX was unable to get the job done. They had issues with the installer and they would not complete unless XXXX paid them again. so they pointed fingers at each other. The carpet was purchased on a new XXXX 's credit card same as cash for 6 months. We cancelled the order after of months of frustration and went to XXXX XXXX for carpet which was installed in a week and just in time for the Holidays. XXXX was to refund the entire order and then cancel our card at our request. About a month later I received and Invoice from XXXX XXXX Now Midland Funding XXXX They said it was not paid. I called the local XXXX and the manager said he took to his corporate office and would be resolved. Fast forward to about XX/XX/XXXX, Never heard anything until I received a letter that I was being sued by XXXX for about XXXX. the order at XXXX was {$2100.00}. I went to the hearing and the magistrate told the creditor they had an issue with XXXX and Not XXXX XXXX and case was dismissed. Later that year, I had a XXXX was in XXXX Hospital with XXXX. I believe during that time, they filed for a judgment. I had no letters or notification until the judgement was filed. This was not fair practices and I was so upset. I contacted an attorney and he said they could not collect since everything we had was joint and it would cost me thousands to get removed. How fair is that when and we have been cheated so badly. So nothing happened again until now. The case number at XXXX county court house in PA is XX/XX/XXXX Money Judgement, going to sheriff asking to Levy my property. 
This needs to be corrected as I am a victim of unfair business practices. According to XXXX back then the balance was all credited.
Product: Debt collection

First week of XXXX, I purchased a bottle of " XXXX XXXX '' gummies, because of the claims, '' good XXXX XXXX formula ''. The price on-line was {$36.00}. I later checked activity on-line and a charge showed that I didn't recognize under a name, not recognized I reported this to XXXX XXXX XXXX XXXX They closed this card under XXXX possible, XXXX ending XXXX, XX/XX/24 received ltr. from XXXX, stating : An error occured as asserted and applied a provisional credit while the investigation continued. No other word from XXXX, and I considered the matter closed. I have a Fraud alert on my credit bureau, because of Previous Fraud. Then on XX/XX/24 I get a letter from : National Medical Administrators , Inc. ph # XXXX to call because of a debt to XXXX XXXX XXXX XXXX XXXX. I called and it's a Collection Firm, to recover a debt XXXX. It was explained to me, that it was for the item I purchased, and I had gotten several comunications about this. That : I should have responded by a certain date, and I wouldn't have been charged with the above amount. I may have missed checking off a box or other fine print, but it seems to me, this scenario, is set up so people will Fail to respond so they can report you with a Scare tactic like this to damage your credit and force you to pay an exorbinate amount of $ $ for a product underhanhdedly. Their address : XXXX XXXX XXXX, XXXX, XXXX, Fax # XXXX nmacollections.com. I paid {$130.00} because of the " XXXX '' tactics, because I didn't want my credit affected. I never would have made a purchase like this, if I was aware of this practice. Gummies! Come ON! I was Not given any Options, I would have gladly paid the {$36.00}, because of the over-sight. This product and sight, is set up for People to Fail and then be pushed into this Deceptive outcome. I'm XXXX XXXX XXXX, and have Good credit, and have had Fraud against me. My credit card account was shut down, because I thought it was Another Fraud attempt. Also, XXXX XXXX XXXX Cobra, is working under the name : National Medical Administrators , Inc. , to me for a deceptive purpose. Thank you for listening, XXXX XXXX.
Product: Mortgage

During the time from my original date of building my home, father deeded me ( .XXXX acres ) dated XX/XX/XXXX from the XXXX acres he originally purchased on XX/XX/XXXX. I have refinanced my home since the original date of obtaining property, which this took place on XX/XX/XXXX during this time the closing attorney staff ( XXXX XXXX XXXX, XXXX ) did not examine my portion of the legal description ( .XXXX acres ) closely and ending up including the parcel that did not belong to me. 
Sometime back in XX/XX/XXXX my sister made an attempt to mortgage her portion of the property during a title examination, and discovered the mortgage lien was attached to her property. This being said ; has made the entire Mortgage Note ( Carrington Mortgage services ) invalid since it included an executed instrument on a parcel that did not belong to me. 
I have made several attempts in contacting both the mortgage servicer and the attorney in trying to resolve this matter. This has been very XXXX for the past 9 month for both my sister and I with the failed attempts in resolving.
Product: Debt collection

XXXX XXXX ( XXXX XXXX of New York ) sent me a Wage Garnisment Notice On an old debt. I would like for him to stop threatening me about this matter. He threatened to garnish my wages in 20 days from the day I received this wage garnisment notice. 

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Product: Credit reporting

AS WRITTEN ON ATTACHED COPY I SENT IN 2 SETS OF DOCUMENTS WITH DRIVER 'S LICENSE, SOCIAL SECURITY CARD ECT. BUT THE ONLY THING I GET BACK IS THE DOCUMENT I HAVE ATTACHED. I 'VE CALLED 3 TIMES AND KEEP GETTING HUNG UP ON. AND YES I THINK THIS IS A TAYLORED EXTORTION TO MOTIVATE ME TO PAY MONEY FOR THE REPORT AND XXXX SCORE.
Product: Money transfer, virtual currency, or money service

I sent out multiple payments to multiple people on different occasions and there were times where I would get scammed so I would request for a refund, but I wasnt able to because there was no support to even try to do that so once I send the money its completely gone and its out of my hands Ive tried going online and finding a customer support number. There wasnt any. Ive tried to see if they had a live agent there wasnt any live agent I was literally just lost
Product: Credit reporting or other personal consumer reports

I checked my TransUnion report and found an unauthorized XXXX XXXX XXXX XXXX opened on XX/XX/year>. I do not recognize this account and am reporting it as fraudulent activity. The reported balance is {$30000.00}, and I have submitted a claim to TransUnion regarding this issue.
Product: Debt collection

This is not a duplicate complaint but a complaint of credit card companys payment policy. My credit card was stolen and because of Discovers payment policies the credit limit was exceeded and even doubled when bogus payments were made by the thieves which then bounced. Let me explain. The thief used the card up to the credit line and then called and made bogus payments as many as 4 times in a short period! And Discover kept accepting the payments and freeing the card to use. Discover never put a hold on payments like banks even when the thief used the same bogus account number multiple times. Discover surprisingly was not aware of this tactic until I brought it to their attention by requesting the method of payments. I am not responsible for Discovers 21st century payment inadequacies. We are in the year 2020 and it should be easy software to put a hold on a payment like banks especially when the same bogus account is used. Discover could have prevented the theft of more than {$5000.00} by having a policy holding payments until cleared through bank. Even if Discovers software is elementary and doesnt allow a hold, they should have at least been alarmed when multiple bogus payments were made. I did not authorize the payments and the account used was not mine. Clearly fraud. However, Discover denies  fraud and accuses me of siding with the thieves to my own detriment. Unbelievable!
Product: Payday loan, title loan, or personal loan

Around XXXX18. I had applied for an installment loan with Wells Fargo Bank. My application was denied and there was very little basis to their decision. My partner who has a lower credit score and makes half as much money as I do was approved and I was denied. I then had to call to verify some information with them and then was informed that I did not qualify because of the purpose of my loan. What I am going to do with my money is MY BUSINESS. I felt that I was being discriminated against based off of race and other reasons.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelle 's dispute handling, especially in light of the recent CFPB lawsuit exposing major issues with the platform. Despite using Zelle frequently and reporting discrepancies, my financial institution and Zelle failed to investigate my claims thoroughly. I was told recovering lost funds was impossible and tracking transactions unfeasible. The CFPB 's findings reveal Zelles failure to protect consumers and its allowance of repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been going through a difficult financial situation and had 3 late payments on my XXXX XXXX. A representative from XXXX called and made me the offer to make a payment in full for the entire balance on that day and the late payments would not show up on my credit report. It 's been months later and it 's still showing up on my XXXX, XXXX and XXXX  reports. I 'm in the process of moving and these negative marks can negatively influence my chances.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX, XXXX, after learning about the Equifax data breach, I followed the instructions provided by the company and visited XXXX. On that page I provided my ssn and it was confirmed that I was affected b the breach. I signed up for the free credit monitoring offered. The process could not be completed at the time ( Equifax issue ), so after XXXX-3 days I went back and completed the steps. On XXXX XXXX, XXXX I received an email from " Trusted ID Customer Service '' [ XXXXXXXXXXXX ] which read : " Dear XXXX XXXX, We recognize you may not have received your activation email for TrustedID XXXX. We apologize for the delay and assure you we are working diligently to send your activation email as quickly as possible. '' As of XXXX XXXX, XXXX I had not received the activation email. That same day, I went back to XXXX and called the customer service number listed there. 
After talking to three different people, I was told that I had to sign up again at XXXX. I think it is deceptive for Equifax to represent that they are offering this service if they dont intend to. And their negligence continues to expose my personal information to identity theft. Equifax is not taking this matter seriously. Equifax should not need anybody to sign up for this since they already know whose data was hacked and they also have people 's personal information.
Product: Credit reporting or other personal consumer reports

I have requested TransUnion to update my personal information, but they have failed to make the necessary corrections. I have submitted all required supporting documents to verify my updated information, yet the issue remains unresolved.
Product: Debt collection

I previously paid a collection account that was originally a stolen account. XXXX XXXX found the stolen transactions and removed {$27000.00} worth of unauthorized charges from the collection account. There were still about XXXX worth of charges remaining and I agreed to pay the remaining balance in full to finally end a three year issue. 

Counch & Lambert , LLC is responsible for the account and agreed to send me a " PAID IN FULL '' letter once the account was paid ( the representative told me on their recorded line ). I have not received a paid in full letter yet and would like to have it ASAP. 

Do not reply back to this complaint with a copy/paste of my last complaints. Simply reply with the paid in full letter as PROMISED on a recorded line for records of this invalid collection account your company attempted to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  had a representative from the SECURITY DEPARTMENT contact me. She called from the number, ( XXXX ) XXXX. She asked me to verify my identity, I gave her the last 4 of my social and address I have lived at for the past 20 years. She responded by saying, that is not the address I have for these accounts. I then told her she probably has the fraudulent address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. She stated, correct. I explained that she had a fraudulent address that was outlined in my police report and FTC report. She then told me that the XXXX XXXX address was mine and a valid HOME address. I told the lady she was incorrect. I said I had gone to the actual address to see what it was and it was a store called The Mail 's Inn, filled with nothing but po box es. She told me that was incorrect and the XXXX Bank accounts with my name were valid. I then explained to the woman from XXXX XXXX XXXX XXXX DEPARTMENT that it was impossible for me to have opened and used said XXXX Bank accounts, as my personal information had been compromised for over XXXX years and there were several accounts and loans opened in my name that were fraudulent. I asked her to produce information that shows ME, the person working in the XXXX, as the same person in the XXXX using these accounts. She could not provide any proof. She then said she didn't know I worked in Entertainment in the XXXX. I asked her to not contact me again and to remove my name from these XXXX Bank accounts because of identity theft and fraud. It escalated into a screaming match where I hung up the phone. I ask for your help to have XXXX Bank remove my name from these fraudulent accounts and NEVER contact me or make idle threats towards me again.
Product: Credit reporting

I have taken the steps to dispute information being reported by XXXX XXXX on my credit report with Experian and the case has been resolved unfavorable to me, despite having showing proof of its inaccuracy. 
I filed a chapter XXXX Bankruptcy Date Filed : XXXX XXXX, XXXX, and no credit card dept was included in the bankruptcy. Only a charge off auto loan and 2nd mortgage debt. I have attached documents from the bankruptcy trustee showing the items included in the repayment plan. XXXX XXXX credit card for XXXX was paid in full by me before I ever filed bankruptcy. Now they are reporting on my credit report that the debt was included in the bankruptcy which will adversely affect me. It should be reporting as a paid closed accont with a XXXX balance as of XXXX, showing I had a high balance of XXXX and paid it down to XXXX. not that unsecured credit card debt was included as a part of a bankruptcy. This is not fair credit reporting. Please require XXXX to provide proof of my last payment to them. Which will show I paid this in full prior to my ever filing bankruptcy and XXXX money was paid to them or included in the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Few weeks ago, I received a message from XXXX XXXX that I am eligible to apply for a personal loan at a very low rate. XXXX XXXX sent me a list of companies I can deal with and also stated, if I deal with these companies and my credit is pulled, " It will be a " SOFT '' pull and will not affect my credit ''. I called few companies to check on the offer and afterward to my surprise I have 13 inquiries on my credit report in which lowered my scores by almost XXXX points. I never consented to anyone to use my account for a hard pull. I trusted these companies that they are legit and they are telling the truth. Unfortunately, this situation is preventing me from acquiring the needed loan. I do appreciate your involvement, your help and influence in correcting this issue with the credit reporting agencies. I thank you in advance for your help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and child support is show on my report illegally as well. this are tha one I've been trying to get of my report for tha last 4 year with no result
Product: Vehicle loan or lease

The company is Regional Acceptance and there is no way that I purchased a vehicle 3 years ago and it's stating that I have only paid it down {$2500.00} ... when my notes are XXXX XXXX  monthly and I have never missed. This is predatory lending at it's finest. Also, to just verbal tell me that my interest rate is calculated daily and that I have even began to pay against the note yet, only the interest rate. Consumers are being misled and this happens every day. I've even seen it because I worked for an auto loan company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute regarding incorrect items which were listed on my credit reports. It has been well over 30 and I have not received any response from the Credit Reporting Agencies.
Product: Debt collection

On XX/XX/2021, I sent a letter to National Credit Systems demanding that they validate an alleged debt that they placed on my credit reports. I received a letter back from them dated XX/XX/2021 with documents that did not validate the alleged debt and proving that they own the debt. On XX/XX/2021, I sent them a follow up letter to provide me with said documents, yet they still did not provide them to me. 

Account number : XXXX*** Amount : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, I decided to try and repair my credit/remove any inaccuracies that may have appeared.I found several accounts/addresses that were inaccurate, XXXX, XXXX had ( s ) fraud alerts that were most certainly not authorized.I sent dispute letters to XXXX, XXXX, Transunion and account holders via certified mail. days later, I sent a second round of letters disputing incorrect information XX/XX/XXXX just to get a response that all my accounts have been 'Validated/Verified '' .I have a XXXX XXXX closed derogatory on Transunion ( {$260.00} ) and a collection for that same derog on XXXX., In my dispute letters, I mentioned I wanted to know their verification/validation method, never got a response from any of the three bureaus in that regard.I have a closed derogatory XXXX XXXX XXXX card from XX/XX/XXXX for the princely sum of {$260.00} along with 67 charge-offs that has been " Validated '' and reporting on all three CB..I contacted the original creditors and what I got in return was evidence that they have no valid evidence I ever owed this debt, nor any valid reason this is still on my credit 8yrs,2mo later.I have a medical collection for XXXX on my credit from a agency that violated my HIPPA rights ( using stolen medical information to collect ) ..Just like a lot of people, I got scammed into signing up for student loans with the promises of job placement, better life ect.Every time I dispute these items, My balances raise or lower by the exact same amount ( XXXX $ ) .If these numbers are legitimate, how is that possible? Interest alone dictates this to be impossible.I apparently have a student loan for XXXX $ with 56 late payments..How is this nonsensical jibberish allowed to be posted to my consumer credit accounts? They ask the people that claim you owe them money if you owe, they of course say yes and that's the end of it? No original instuments of indebtness, No HIPPA realeases, FCRA violations 15 ways from sunday.
Product: Debt collection

I am not the insurance policy holder that was my ex husband. I have no knowledge of this bill or any notification of ever having a bill. Further more it was ruled that this is now his debt.
Product: Debt collection

I have been communicating with XXXX since last year. The last letter I sent last XX/XX/XXXX, requesting debt validation. XXXX responded last XX/XX/XXXX. The burden of proof is on XXXX and not mine. Why are they asking me to send them proof? The amount that they are showing in the statement they sent, I have no idea where it came from. I don't think this is correct.
Product: Checking or savings account

On XX/XX/XXXX I filed a claim with XXXX XXXX regarding fraudulent transactions. The original claim amount was between $ XXXX. XXXX XXXX  cancelled my debit card and XXXX XXXX digital card number. They reissued a debit card and two digital card numbers. One digital card number was attached to the debit card that was issued and a second digital card number was issues to the individual committing the fraud against my account. When I realized this, the individual had completed $ XXXX in transactions against my account. 

After going through the process of cancelling the debit card that was reissued and canceling the two digital card numbersXXXX XXXX XXXX  issued a credit to my account in the amount of {XXXX 

On XX/XX/XXXX, I received a letter from XXXX XXXX stating they were going to debit my account for XXXX} on XX/XX/XXXX because they credited this amount back twice, in error. 

I immediately called XXXX XXXX to see if I could get on a payment plan and/or could they change the date they are scheduled to debit my account to a later date. XXXX XXXX said they could not do either option. I was told that I would incur overdraft fees and I would have to work with someone in the overdraft department and they could make a payment arrangement. A claims specialist-XXXX, a team lead - XXXX, and a XXXX XXXX, all said there was nothing they could do. XXXX, even told me, I should be monitoring my account daily because she does. I told XXXX, I didnt give a XXXX what she did and that it wasnt my business, and to not tell me what I should be doing. I asked to speak with a manager and she said no one could come to the phone, but shed put in the request and have someone follow-up with me. Then she hung-up the phone. 

I called XXXX XXXX  retail customer service center to explain that I would like to set-up a payment arrangement or figure out a date I could repay the money in a lump sum. I was told theres nothing that can be done on the retail side and claims would have to rectify the situation. I was advised to speak with an escalation specialist and they should be able to assist me. I was then transferred back to Claims where XXXX connected me to a supervisor, XXXX. She stated she couldnt do anything to help, and had no solutions for my situation.