23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

GC Services Limited Partnership got my personal information without my consent. They damaged my reputation by saying that I owe a debt that is not minds. They are also trying to coerce me into paying a debt that is not minds. They are also infringing on my intellectual property. They do not have the right to use my name XXXX XXXX. That is my personal property ( XXXX filing XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$15000.00}
Product: Money transfer, virtual currency, or money service

I'm sorry you felt this way. You sent a survey and asked for my honest review, and I'm sorry my review offended you. Instead of disciplining your employee, you want to discredit the customer by going after the customer. You should check the quality of the employee that would commit such an egregious act against an individual, and your resolve is to dismiss the customer complaint and report as the customer is at fault for the misfortune that happened at your place of business, and I now will report you to the CFPB or Consumer Financial Protection Bureau. Do you think I'm making this up? Let 's look at the statement of fact. 
I took my car for repair, and I was told that my car incurred an impact that damaged my vehicle based on a Ford technician 's finding. I reported to the insurance since I have full coverage. Ford did a complete full inspection on the car, and no report of engine rod damage was reported. I drove the car to XXXX, and the car seemed to be fined. Since they didn't have the part, I returned to XXXX XXXX and took it to Ford for the car the final repair. When I returned to Ford, I was greeted by a young XXXX guy, not the regular tech I usually reported to. He acts like he doesn't want to get involved in whatever they plan. The young man proceeded to tell me that he had no recollection of me and that all repair was done as far as Ford was concerned. 
I thought the insurance company reneged on their payment. I called the adjuster and was told that For received the money, and when I returned and told them, they got paid, and if they were not repairing, returned the money. That young XXXX employee caught an attitude, so I said that was stealing when you claim to have done the work. I came to Ford expecting a fair and honest assessment from a reputable company, but what I received was what very well could be attempted murder. The vehicle broke down a block away from Ford. The vehicle drive would not engage. Call Ford sent a tow truck and later found the screw on the transmission rod was loose and came off while driving. Why would drive not engage? What conclusion would you come up with? I could have gotten killed if I had been on the highway when it happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX 2017 my credit score was XXXX. I applied for a credit card and it came back declined from XXXX XXXX XXXX due to the reporting agency Sagestream LLC reporting my score as XXXX in XXXX of 2017. I have NEVER missed ANY type of payment and have always had very good credit until SagestreamLLC was involved. I read other complaints of other people online having this same problem with Sagestream. I am very angry about this company having a negative impact on my credit.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

Portfolio Recovery Associates - they have been calling me and I do n't know what this is in reference to or if it is even legal. As I read through the article in the XXXX XXXX about the CFPB, I see thatPortfolio Recovery Associates is mentioned : " Last week, the bureau announced a crackdown on the nation 's XXXX largest debt buyers -- companies that purchase uncollected debt for pennies on the dollar and then try to squeeze payments from consumers by threatening lawsuits and damage to credit ratings. XXXX of the companies, XXXX XXXX XXXX, is based in XXXX XXXX. The other, Portfolio Recovery Associates, has its headquarters in XXXX, XXXX '' I would really appreciate it if this could be checked into for me. Thank you so much.
Product: Payday loan, title loan, personal loan, or advance loan

The company charge me for a subscription service to their anywhere platform without my knowledge then attempted to take money for a payment that I owed them and it bounced because they took money beforehand that was not designated to them or I did not sign up for for their anywhere platform. They are going to report my bounce payment to the credit agencies after they took money that did not belong to them when there was enough money in my bank account for the regular payment. The subscription service was never something I wanted or signed up for.
Product: Credit reporting or other personal consumer reports

Despite numerous efforts, I have been unable to remove these inaccuracies, which are severely affecting my financial standing. I have made repeated attempts to contact your organization and dispute the presence of fraudulent items on my credit report. These items do not accurately reflect my financial history and have caused substantial harm to my credit score, making it difficult for me to obtain loans, secure favorable interest rates, and achieve my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items.Despite my continued efforts, the fraudulent items remain on my credit report, causing ongoing distress and financial difficulties. I am deeply concerned that these inaccuracies may hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial security. Kindly help me remove the following items immediately : XXXX XXXX XXXX Balance : {$1000.00} 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute incorrect personal information and inquiries that are reported on my credit report. They do not belong to me. Kindly expedite the process of removing this erroneous information.
Product: Debt collection

Debt owed to original company was charged off, paid, then sold. I'm not liable for this debit with XXXX XXXXXXXX XXXX XXXX. I do not have a contract with the collection agency that's trying to collect this debt. They did not provide me with the original contract as requested.
Product: Debt collection

I have been harassed by phone, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX by Capital Accounts over a claim that I do not owe / am not familiar with. 

In addition to calling me at my work number which does not allow personal calls, they also contactedseveral senior citizen family members and misrepresented who theywere, misstated alleged amountsowed, and made threatening remarks. 

I requested that they stop all communication with me and with this address about this debt, and that I am disputing the debt/ have no knowledge of what it is. However they have ignored those written requests and continue to harass me at work and call family members claiming to be from the government.
Product: Student loan

My wife and I took out student loans for XXXX and XXXX degrees. We when to XXXX XXXX University, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX University. 

My wife was fired from her job while on XXXX leave. She has been unable to find a new job over the past few months. I called Navient to help with our payments while she is out of a job. They indicated that I can not voluntarily forbearance my loan and we can not file for economic hardship because out loans are consolidated and I still have a job. However, my job alone does not cover my day to day expenses as my wife made the majority of our income. According to Navient, I am not making under {$20000.00} to declare economic hardship. This is unrealistic as living in XXXX XXXX, NY, if I was making under {$20000.00} I would be living in the streets. 

They lowered my payment for two years at {$470.00} per month. I explained that I will not be able to pay that amount and they told me that this is the best they could do. 

It is upsetting that Navient will not help us and would drive us to not paying our bill rather than giving us an affordable payment.
Product: Credit reporting or other personal consumer reports

I do not recognize the inquiry XXXX XXXX I did not make this inquiry. Please remove from my credit report.
Product: Mortgage

BB & T does not accurately post/report my payments. My mother in law makes a payment at the beginning of the month, I make a second payment to cover the mortgage by the XXXX of the month. BB & T has reported to the credit bureaus that i have been late forXX/XX/XXXXand XX/XX/XXXX -- that is incorrect and has impacted my credit score by a 100 points.

I spoke to a representative and was told that because I make 2 payments BBT, BBT software does not record the second payment and my account is put into a late status. I find this disturbing, as I make my payments with in the 30 days, yet, I am being reported as being late. I should not be penalized, because BB & T software does not accurately reflect my second payment. I am meeting my commitment of paying within the 30 days.
Product: Credit reporting or other personal consumer reports

I submitted a CFPB Complaint with the assigned number of XXXX for. Equifax has responded to me directly via mail with a copy of my credit report noting that the account was deleted from my credit file. I have attached the correspondence from Equifax confirming they have removed the account as well as a copy of my report prior to the dispute as evidence to support the FCRA violation for which I require payment.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of XXXX XXXX, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with XXXX Credit Bureaus. The incorrect account opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the account immediately : XXXX XXXX XXXX Balance : {$260.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2024 I am reporting a fraudulent inquiries found in my credit report
Product: Checking or savings account

Went to an out of net work ATM to withdraw money in the amount of XXXX on XX/XX/year> at XXXX pm money was not dispensed said there was a communication error. 
Contacted my bank PNC which they initial refunded my XXXX refunded me my money while they were investigating. 

On XX/XX/year> the money was then taken out of my account again in the amount of XXXX because they said my claim was denied. 

Contacted upper management. They once again filed another claim and it was denied.
Product: Mortgage

I started the process of doing a cash out refinance with Flexpoint around the XXXX time frame. I was originally quoted on XX/XX/XXXX Loan Amount of {$620000.00} Interest Rate 4 % and Monthly Principal & Interest {$2900.00} from XXXX. We went through a full month of proceccessing the loan before I was notified by XXXX 's boss that they submitted the wrong loan that didn't meet the guidelines for a Texas based home event though they were well aware of the location and type of the loan that I would be getting. XXXX than informed me that my new Loan Amount would be for {$520000.00} an interest Rate 6.250 % Monthly Principal & Interest {$3200.00}. I had no choice but to move forward as I was already in the process of closing on an investment property. After showing concern about the massive amount of money I had lost through this process, XXXX informed me that " the cost of the points is simply reduced. When you spoke with @ XXXX XXXX, he resubmitted your loan and was able to secure the best. This is the only loan program available to meet your goal that Texas will allow. Well leverage this as an opportunity to get the cashout for your next investment and at the end of the year, well refinance you down to a lower rate/payment. '' If I had more time, I would have shopped this loan around or at least had the option to pull out. When this process started it was XXXX and didn't end up closing on the new property with my business partner until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's process compared to XXXX and XXXX is burdensome and extremely slow and it will cause a delay in purchasing a home.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/XXXX, I discovered a account on my credit report that had two late payments, I was never late on payments on the following account named XXXX, XXXX XX/XX/XXXX, I submitted the Letter to remove lates to the credit bureaus, the late payment under XXXX with the date of XX/XX/XXXX, and XX/XX/XXXX for Transunion and XXXX, needs to be update since I was never late on the account, so I need that information to be update
Product: Credit card

I sat down with a chase specialist at the branch. I explained I had a collection on my credit history. Explained I didnt want to do a credit card inquiry if I had a chance of not being approved based on the info given to him. 
I supplied him with info regarding my income and credit score to better gauge the situation before applying. 
He explained that he couldnt tell me unless he did a credit pull. 
I felt pressured by the way he kept pushing the agenda. Which was very nerve racking and stressful. 
He said I should have nothing to worry about. So I caved and did the credit check. 
My application was denied for the credit card that he recommended. I wanted to apply for a different card but he said I shouldnt apply for that one. 
I feel like I wasted a credit inquiry/hit for a card I didnt even want bc I was pressured. 
Then above that they denied me stating that I had never done business with them. Very frustrating situation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX XXXX, owner of XXXX XXXX requested that I pay by check while he was at my home. he stated he wanted the money to clear before he left town. That evening I received an email from him stating I needed to send payment via wire, ( in the same email thread as the final invoice ), because all check payments were placed on hold, and the bank voided the check. I wired the money from XXXX to BBVA. XXXX did everything they could on their side. BBVA was not compliant and would not help despite having all the information. The check was not voided and it was cashed by the lawn company. The amount was for {$12000.00}. I tried a wire recall and it didnt work. I filed a police report and a report with the FBI and with my bank. I also let the lawn company know I was not able to get the money refunded through my bank or the bank that it was transferred to. The company says he was hacked and is not responsible. 
The email stated to send the money to this account. 
Account name - XXXX XXXX Bank name - BBVA bank Account number - XXXX Routine number - XXXX This money was from my personal savings that my spouse and I have saved for when I left XXXX XXXX ( XXXX ) so I would not have to work or put our children in XXXX while I was in XXXX XXXX This transaction completely depleted our checking and savings account. We had to use our credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Money transfer, virtual currency, or money service

I have on multiple occasions attempted to withdraw my funds from the Robinhood platform. Despite the funds being marked as " withdrawable '', my requests for withdraw are repeatedly denied. Robinhood has provided me with the reason for this issue is due to having to verify my ID, which I have done multiple times with numerous Robinhood associates over the course of 4 months. Robinhood has prompted me to provide them with the front and back of my driver 's license, and a live selfie in order to verify my ID and lift the restriction that is on my account to allow for withdrawal. I have provided Robinhood with this information numerous times.
Product: Credit reporting or other personal consumer reports

Someone has access to my personal information and has been ruining my credit by applying to multiple credit card companies. I have reached out to the credit bureaus in regards to this matter and was advised I file a FTC Report in order to have them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus is in violation of the United states Code 1692g. I was not contacted in writing 5 days prior. Please remove and block fraud accounts from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive Mailed in numerous dispute letters letting the XXXX bureau know the inaccuracy of my report. They updated my account to verified status for these two collections accounts. I requested method of verification and they never sent me anything telling me how they verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its been almost three months now and still no method of verification for these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are continuing to report a collection item the collection agency has discontinued reporting to them. See included documentation ...
Product: Debt collection

nation credit adjusters has contacted me regarding a debt for {$680.00} I have sent this company a cease and desist this company has refused to adhere to federal guide lines by ignoring my request in my attempt to resolve this matter the company has also been found to impose a collection agency when it is listed that this company. is not legally blinded and or insured to collect in the state go XXXX, please have this company cease all collection activates this is my last attempt to complain outside of court