23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collection company called Cornerstone Resolution Group called advising they were going to serve me papers to get sued for up to XXXX, and garnish my wages from my employer. They brought up cash advances i did while i was on XXXX XXXX in the XXXX XXXX. sometime back in the year 2000. After talking, They stated that the debt was from paydaynowforyou.com, they agreed to a settlement amount of {$1400.00}, I gave them my debt card information and paid the debt on XXXX. Since then i've only received a receipt on XXXX from a XXXX XXXX entities company. When i tried to call the company on XXXX to verify they received the payment, i only got a voice mail which was unprofessional. When i looked up the company online, i called that listed number and got a message stating they do not take calls. I received another call from the same person today on XXXX stating that they received the payment and now advising that i owe another XXXX XXXX {$1300.00}. Now that i am alerted to this scam, I called the XXXX XXXX and they advised that they have no record of me having an account. I have not been able to find any information about XXXX anywhere online. I feel i have been scammed while trying to do the honorable thing. They told me on the phone they could not send me any letters or emails.
Product: Debt collection

I receive calls from numerous numbers daily. I tend to ignore because im either working or are aware of the calls. I have 3 accounts in collections with Specialized Management in XXXX Mississippi. All accounts are medical. XXXX XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX XXXX- XX/XX/XXXX BAL {$850.00} Original Creditor : XXXX XXXX XXXX- XX/XX/XXXX BAL {$1100.00} Original Creditor : XXXX XXXX XXXX- XX/XX/XXXX BAL {$740.00} On XX/XX/XXXX i recieved a call from a company called XXXX XXXX XXXX also known as SMG which would be Specialized management group company. I recieved the call from a out of state number than my area code reflects. I was informed that the job i had applied for months ago on XXXX was now available. I was proceeded to be asked how long had i been at my job because punctuality is very important. Then i was proceeded to verify my current job and where i worked. Once given the information, i was given a number to call back and ext in case i had any questions. Once i took the number i was told that the interview would be held in XXXX MS . Although before that she needed my email and my address. Once i realized that this was far fetch because if i applied you have my address. I disconnected the call. Once disconnected i then XXXX the info given to me and found spoofing apps and no known locations. I declared that this was a creditor. I then called SMG to ask my options becasue this was getting out of hand i was given my options. I was told the minimum that i could pay was {$50.00}. I explained i could not do that and asked could i do 5 or 10 i was informed i could bering it in or mail it in. I received a call hours later from my dad congratulating me on a promotion i had received since my manager called to get his recommendation. There was no promotion the same person that called me then called to verify where i said i worked and to ask my dad to verify my address so they could send me information and not knowing he gave them the information. He proceeded to call the number back once the called dropped and there was no trace. This information was received illegitimately.
Product: Debt collection

I never heard for this place prior to it showing up on my credit report in XX/XX/XXXX. I wrote them two letters XX/XX/XXXX and XX/XX/XXXX ( i have copies of the letters and priority class mail receipts ) asking them to validate this XXXX  debt that theyve reported to the credit bureaus or have it deleted. It was removed from my credit report around late XX/XX/XXXX. Then added back on my report XX/XX/XXXX ; I still have yet to receive any type of validation or any attempt to collect the amount they claim I owe.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with t
he FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A
) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact these accounts are in dispute. The accounts are as follows : 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 and PUBLIC RECORDS accounts. Every single one of these line items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.
Product: Prepaid card

I've been trying for over a week to access my account balance via my computer and also via the mobile app. I'm locked out of both. The reset password form does not recognise my card, so I can't resolve this myself. I've attempted to reach out to them via phone, but the phone numbers provided on their website and on the back of my card are both disconnected. I use this card to access my unemployment benefits, which is my only income source at the moment, so their technical issues are causing me great distress.
Product: Checking or savings account

Bank of America complaint Letter. 

My Income is very limited to only 1 Income source, my rental Property due to my Stay abroad - XXXX, I have set up the account with Auto pay and timed the payment so that the payment will not be late at the receivers end in order to avoid late fees, ( Credit Cards ) After all Bills have payed with auto pay there are less than {$20.00} leftover until the next billing cycle. 

On XXXX XXXX two payments have been made from auto pay even though the account had not sufficient funds because my Income from the Rental Property was late. 

First of all the bank made 2 payments to the payable accounts even though the funds were not covered. ( I can not withdrawal money if there is no money in the account!! ) it is not their problem if Im late. 
Then they charged me instantly 2 overdraft fees of {$35.00} that has set me back {$70.00} more in the negative and was the beginning of a given down ward spiral. 
I reacted instantly and made a transfer on the same day to cover the negative balance the very next day. The system was still showing all funds in a processing mode but not registered my transfer until the XXXX  I called ( 72 Min of hold time ) and explained the situation and that it is very crustal that I get a refund for the {$70.00} but there is a computer system that evaluates if you eligible for a refund or not, I was denied, witch resulted in an endless disaster and constant late fees. 

I need your help, please I can not recover from this I called so many times Bank of America but I get no help all they tell me these are correct charges and fees, sorry for the inconvenience, can I help you with something else, and then they ask to be evaluated on how good they were. 

They have charged me since XXXX XXXX up to the XXXX a total 15 Overdraft fees resulting in an amount of {$520.00} Just now an issue were I got charged a 35 $ fee, the Banks transfer funds page is out of service since last week when I need to make a transfer to avoid a bank fee, and its till not working today XXXX see photo, I also called ( 52 Min hold time ) about that and got rejected for a refund. 

I have a Family with XXXX Kids and this is not easy I am a responsible person and pay my depts but these kind banks are the ones they give you no help the opposite they destroy you financially when you need help the most and charge you more and more fees. I would be up to date with may payments but now I am in a complete financial disaster having no choice to file for bankruptcy if I dont get any help with this issue. 
Not only Im behind with payments witch accumulate even more fees but they are also responsible to ruin my credibility and credit score. 

I am with Bank of America since the beginning ( former XXXX XXXX ) for over 20 years and also have a House mortgage with them and not missed a payment. 

Also the App and website are not stable and I show a lot of Temporarily out of Service Wen I call to request a refund and explain the situation, they due not make a decision based on your case it an automated system that clears or denies the refund. 

Please Help Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Credit Inquiries Dear [ Credit bureaus TransUnion XXXX XXXX ] I am writing to formally dispute several unauthorized credit inquiries that have appeared on my credit report. Upon reviewing my reports from XXXX, TransUnion, and XXXX, I noticed the following inquiries that are not attached to an account I did not recognize nor authorize : XXXX XXXX XXXX XXXX XXXX XXXX ) 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 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 These inquiries were made without my knowledge or consent, and I have not applied for credit, loans, or services that would warrant these checks. I believe these inquiries may be the result of identity theft or unauthorized use of my personal information.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be removed from my credit report immediately, as they were made without permissible purpose.

Enclosed, please find a copy of my identity theft report filed through the Federal Trade Commissions IdentityTheft.gov website.

Please confirm receipt of this letter and provide me with written confirmation once the disputed inquiries have been removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my consumer credit report, as referenced below, which I believe are the result of identity theft or fraudulent activity. These inquiries were made without my consent, and I request verifiable proof, including documentation bearing my signature or electronic signature, to confirm their legitimacy. 

I did not authorize any of these inquiries, and their presence on my credit report violates my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ) related to the blocking of information resulting from identity theft, and Section 604 ( 15 U.S.C. 1681b ) regarding permissible purposes for consumer reports. 

I have contacted the companies involved and found that these inquiries were initiated without proper validation or original proof from the reporting companies. Therefore, these inquiries are inaccurate and appear to be the result of identity theft or unlawful reporting by creditors or third-party data furnishers. 

I request a thorough investigation into these unauthorized inquiries. If no legitimate proof can be provided, I ask that they be removed from my credit report in accordance with the FCRA.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected or removed on my credit file. 
XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

This is/was a ParentPlus student loan for my daughter, apparently in my name, from approx. 2012 & financed through XXXX XXXX. My daughter ended up on academic probation for XXXX semesters, during which we paid interest on the loan. ( I believe this must 've triggered some automated 'loan is in repayment ' mode. ) When she was reinstated, all loans went back into deferment. Allied Interstate called me about this loan once approx. 2 years ago, and I explained the probation/deferment situation. I understood this to be the end of the problem. I heard no more until XXXX of this year, when I got a notice from my employer about garnishment! It 'd been sent to default erroneously, a month before my daughter even graduated! I contacted Allied, & was given different numbers, amounts, and instructions each time- but no one could tell me any of the specifics of the original loan so that I could provide proof of deferment. I finally got it escalated to a manager who was able to tell me the amount of the original loan. Through a great deal of research, my kid was able to find the detailed evidence we needed on her student portal. I faxed this proof in as instructed, 2 1/2 months ago. Despite my sending proof and several follow-up requests, I 've yet to hear back or see my paycheck restored. When I call, they tell me to call the Dept. of Ed. ( When I call DoE, they say talk to Allied! ) Meanwhile, I 'm left without the funds to cover my XXXX, as they are taking out {$600.00} every month. Loan Ref. # XXXX
Product: Vehicle loan or lease

I purchased a new vehicle XX/XX/2018. In order to receive a rebate for electric vehicle I had to buy the car the day I went to the dealer. I was rushed to close the deal and pick up my kids and didnt realize I had signed for extended services for {$3300.00}. When I discovered what had happened I called the dealer to cancel. I went to the dealer and signed the cancellation on XX/XX/2018. When I hadnt heard anything after a couple of months I started calling the dealer and my calls were not returned. After several days and not identifying myself I was able to reach a manager. They were going to look into it. Since then I have been getting the run around by their sales manager and today he passed me off to their accounting department. They have not returned my call. In the meantime I have paid the car off.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for the unauthorized disclosure of my non-public bankruptcy information, which I believe violates the Fair Credit Reporting Act ( FCRA ). The agency furnished this sensitive information to unauthorized parties, contravening Sections 604 and 628 of the FCRA that protect the confidentiality and accuracy of consumer data. Furthermore, I have received a letter from the bankruptcy courthouse confirming that they do not furnish bankruptcy-related matters to credit reporting agencies, supporting my claim of improper disclosure. I have formally disputed this matter with the agency and am seeking corrective action to ensure my information is secure. I request the CFPB 's assistance in resolving this issue and holding the agency accountable for this breach of consumer rights.
Product: Student loan

Memo : This is regarding XXXX XXXX to transfer my loan payment to EdFinancial Services This is in reference to a loan payment of {$26000.00} made to XXXX XXXXXXXX XXXX on XX/XX/XXXX via check. The check was cashed on XX/XX/XXXX. I have made the request through EdFinancial ( my new student loan servicer ) to apply this payment to my current outstanding principal balance with multiple requests made starting XX/XX/XXXX. 

I received a call on XX/XX/XXXX from EdFinancial stating that XXXX XXXXXXXX XXXX has cashed my check and still has the funds. I have tried to contact XXXX  XXXX XXXX regarding this, but the company does not have any active numbers ( XXXX ) for this request. 

XXXX XXXX Reference Student Loan # XXXX EdFinancial Service Reference Student Loan # XXXX
Product: Credit card or prepaid card

when I joined XXXX they offered a Citi credit card. I took it just for emergencies, it stays in my glove box. I always use my visa from my credit union and pay the full balance every month. On XX/XX/XXXX I received a XXXX or XXXX XXXX letter delivered to my home. It was a Citi letter saying my account was past due. I immediately called for details. I was told XXXX had automatically charged my membership renewal to the Citi card. I explained that I did not authorize the charge and had received no statements, emails or calls. The representative suggested I pay the balance and he would file a dispute to refund the charges. I gave him my checking account routing and account number. {$240.00} went to Citi from my account ( statement attached ) On XX/XX/XXXX I realized a credit had no been received, so I logged onto the Citi account to check status. Not only was there no credit, the membership renewal was charged again, with interest and late charges. I contacted XXXX to complain and they referred my complaint to Citi. They say they lost my payment. The representative XXXX asked I send the statement copy. She later called and said she had listened to the call where I made the payment and was sure it had gone thru, but I needed to get more details from my bank, which I sent to her XX/XX/XXXX. On hearing nothing back, I asked on XX/XX/XXXX via email for status. I get a call back saying they had found the payment, and credited charges. I asked if she was going to contact the credit bureaus as this had lowered my score from its normal A to C ( copy attached ). She said that they would not. So I received my latest statement, attached, and it shows the lat charges and interest refunded. If it was not a mistake and they should explain to the credit bureau, why refunds? Citi needs to restore my credit.
Product: Credit reporting or other personal consumer reports

I have alerted the bureau of inaccurate and fraudulent information on my report with hard proof of exactly which FCRA law they are violating but they keep ignoring my letters and correspondence.
Product: Debt collection

I've been dealing with PORTFOLIO RECOVERY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX for over a year now going back and forth without any resolution in sight. I've contacted them by letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and over this past 2 weeks by several emails. I've asked them to do their research in finding out who and where the past payments on this account came from and they just will not do their jobs. This account does not belong to me and never have. I have requested the following : 1. A copy of any agreement with XXXX XXXX thaXXXX bears MY signature 2.PROVE that any payments made on this account came from any banking account bearing my name and address associated with XXXX XXXX. Someone made payments on this account in the past, AND IT WASN'T ME, but PORTFOLIO RECOVERY XXXX, XXXX WILL NOT DO THEIR JOBS. The following amounts were paid on this account. WHERE AND WHO DID THEY COME FROM? That's all I want them to do, SIMPLE! Once they find out that I NEVER made a payment to this account and it doesn't belong to me, then they can remove from my Credit Report. 
XX/XX/XXXX in the amount of {$200.00} ; XX/XX/XXXX in the amount of {$160.00} XX/XX/XXXX in the amount of {$61.00} XX/XX/XXXX in the amount of {$100.00} XX/XX/XXXX in the amount of {$200.00} XX/XX/XXXX in the amount of {$150.00} XX/XX/XXXX in the amount of {$140.00} XX/XX/XXXX in the amount of {$130.00} XX/XX/XXXX in the amount of {$210.00} XX/XX/XXXX in the amount of {$200.00} XX/XX/XXXX in the amount of {$200.00} All they keep doing is generating the same letter 2 to 3 times a day and the letter reads : " We requested that you send our company additional information to the account referenced above so that the Dispute Department could complete the investigation of the alleged dispute. How can I send them any more information to something that I know absolutely nothing about?
Product: Credit card

A PayPal credit account was opened without my knowledge. The company was notified and should be closing the account. However, this is negatively affecting my credit.