23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by phone and text by XXXX XXXX stating that they were a debt collection agency. They were able to give me an amount of XXXX that was established on XX/XX/2018 at XXXX XXXX. They could not tell me where I was seen or the doctor that was reporting the charge. I have never received any kind of bill on this nor received any kind of communication regarding this bill or amount. I don't even think that the bill belongs to me. The lady that I spoke with stated that it was a service billed by XXXX XXXX XXXX XXXX XXXX. She could not give me a doctor 's name or location concerning this account. I asked for more information on this bill and she could not provide that. It was not until I asked could I dispute the bill if I visited their website, that she tried to offer researching this and sending me more information. I had informed the lady that I no longer lived at the address that she had on file. She said she would send a request for more information to be gained on this bill and mail out to me. At this time she got very quiet and never asked for my updated mailing address. I am not sure how she is planning to get me the requested information if she has no current address for me. I have been to the website and completed a dispute on the bill and state my concerns in the comments.
Product: Vehicle loan or lease

PLEASE EXCUSE THE CAPS MY VISION IS POOR. BETWEEN THE MONTHE OF XX/XX/XXXX-XX/XX/XXXX. I RECIEVED A FORM FROM THE IRS STATION THAT I HAD TO FILE A CANCELLATION OF DEBT WITH THE CREDITOR. THE FORM WAS FILED, A XXXX FORM, BY XXXX XXXX FOR ME. WHEN THE EXAMINER COMPLETED THE FORM, THE CREDITOR OWED ME XXXX OUT OF THE REMAINING BALANCE. A CHECK OF XXXX WAS SENT TO ME FROM THE IRS, 6 TO 8 WEEKS AFTER THE FILING OF THE XXXX. THE AMOUNT CANCELLED WAS THE AMOUNT THAT IS SHOWN ON MY CREDIT REPORT. I FILED A DISPUTE WITH XXXX, AND INSTEAD OF THE PROBLEM BEING CORRECTED, ANOTHER BALANCE WAS ADDED AND MY SCORE WENT DOWN. FORM THE SAME CREDITOR!. SO NOW I THINK I AM EXPERIENCEING SOME SORT OF FRAUD, OR AN ATTEMPT TO DEFRAUD ME ON MY REPORT, BY ADDING ANOTHE BALANCE AND DROPPING MY SCORE DOWN. THE CREDITOR SHOULD HAVE PROVIDED THE INFO ON THE CANCELLATION OF DEBT SINCE THE DECISION WAS MADE BY THEM. I DID NOT RECIEVE AN EXPLANATION I JUST DID WHAT THE IRS SAID DO.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute of Inaccurate Credit Report Entries Dear Credit Bureau ; cfpb ; I am writing to formally dispute the following inaccurate and invalid entries on my credit report. Despite previous attempts to resolve these discrepancies, including reaching out to the original creditors, I have not received adequate responses or validation. I request that you investigate and remove these entries in compliance with the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts : XXXX XXXX XXXX XXXX 

Account Number : XXXX Type : Collection Amount : {$560.00} XXXX XXXX  Account Number : XXXX Type : Charge-off Amount : {$1000.00} Reason for Dispute : Inaccuracy and Invalidity : The information reported for the above accounts is incomplete, inaccurate, and invalid. Specifically, the reported details such as dates, account names, statuses, and amounts do not match my records. I have requested verification from the original creditors but did not receive any substantive validation or the required 1099-C form. 

Failure to Investigate and Respond : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a reasonable investigation into disputes and respond within 30-45 days. Your failure to address these disputes or provide a timely response constitutes a violation of this provision. 

Relevant FCRA Provisions : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : This section mandates that credit bureaus must conduct a reasonable investigation of the disputed information and respond within 30 days. Failure to comply with this requirement is a violation of the FCRA. 

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires the credit bureau to delete or correct inaccurate, incomplete, or unverifiable information after a reasonable investigation. 

Given the lack of response and validation from the creditors, and your failure to comply with the FCRA requirements, I request the following actions : Immediate Removal : Please remove the inaccurate entries from my credit report within 15 days of receipt of this letter. 

Confirmation : Provide written confirmation of the removal of these entries once processed. 

This matter is urgent, and I trust you will address it promptly to ensure compliance with federal regulations. If these entries are not corrected within the requested timeframe, I will consider escalating this issue other relevant regulatory bodies. 

Thank you for your prompt attention to this matter. 

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

I applied for an apartment in XXXX on XX/XX/XXXX, about couple hours later I was emailed a copy of a Rental Report. In the report it reads, a rental company filed evictions against me three different times. The first one was on XX/XX/XXXX then XX/XX/XXXX and the last one on XX/XX/XXXX for an address I NEVER LIVED AT. With that information I was declined for the apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies XXXX XXXX  Equifax, XXXX XXXX and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that I did not authorize or know anything about. Most of the companies I never heard of. On XX/XX/XXXX I called all companies to ask about the inquiry on my credit reports and they stated that they did not have me in the system and that I was not a client or customer of theirs. I asked for a written form in the mail stating so and they would not comply. I then called XXXX and told them about the issue at hand. They told me that they will submit my complaints in and to wait 30 days for a response but I havent received one. Fast forward to today XX/XX/XXXX I decided to call XXXX again and they couldnt help me so they referred me to CFPB. I first called CFPB at XXXX spoke to the representative and told her what the issue was. As soon as I stated the issue, the rep hung up on me. I say that she ended the call purposely because I provided her with a call back number in case we get disconnected and she never called back. DATE : XX/XX/XXXX COMPANIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Beginning XX/XX/XXXX there were some fraudulent transactions on my accounts in the amount of XXXX Its taken BOA over 90 days and I still do not have my refund yet I have been calling every 3 days to get an update since my account has been frozen and under investigation and each time I speak to a Representative or Manager am told they are working on the investigation and different dates have been given to for the issue to be resolved and I still have not received my refund as of today XX/XX/23
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violates the Comsumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measure to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, therfore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFRA ) and Regulations XXXX These actions have caused significant inconvenience and financial loss, and I seek appreciate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Community Loan Servicing formerly Bayview, will not answer any of my phone calls or emails to resolve an ongoing issue with my mortgage they once serviced. Now that they have sold the mortgage, they refuse to communicate with me at all. The company has stated that I missed one payment that put my loan on a rolling 30 day delinquency. They then reported XXXX late payments to the credit bureaus and are ruining my credit. I have contacted the company, provided the cancelled check theyre stating they never received as well as provided proof of insurance they stated I did not have. The company erroneously added hazard insurance to my mortgage when my agent had faxed them my policy on numerous occasions. I have attached the cancelled check, proof of insurance and a screenshot of my credit report. I would appreciate any and all help available as this company will NEVER respond to their clients or fix their mistakes!!!
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year>, I pulled my Experian credit report and saw that Experian has several names and addresses listed for me that are not mine. Experian continues to report the incorrect spelling of my name and incorrect addresses listed for me, that are incorrect. This is harmful to me because it makes me susceptible to fraud and identity theft. Also, I can not receive my mail at incorrect addresses to take care of my business that may be time sensitive. 

See attached
Product: Payday loan, title loan, or personal loan

This is a follow up to complained XXXX and XXXX Service Financial is either purposely trying to steal from me or is being lied to from the contractor. 

There was NO additional work requested as Service Financial claims in their response. 

The contract was for half up front and half upon completion. The last half was to be finance by Service Finance when the project was completed. 

Service Finance mistakenly financed the loan at the beginning of the project. 

The project WAS NEVER COMPLETED. 

Please help. Service Finance knows they did a mistake and even admitted it during a recorded phone call. They gave the contractor the last half of the money and then the contractor failed to complete the project! 
Please do not just close this case. Ask Service Financial for the contract that was supplied by the contractor. Ask Service Financial for the proof that the project was signed off as completed by the consumer! Service Financial should have a document from its saying that the project was complete and to fund the loan.

PLEASE ASK SERVICE FINANCIAL FOR THIS PROOF.
Product: Debt collection

Dear CFPB, My name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from Vance and Huffman LLC and it is showing on my credit report without my consent. I have no contract with Vance and Huffman LLC and have given no consent for them to use my name, likeness, or credit data.

Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX, XXXX, and XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. 

Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C.

1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I contacted XXXX XXXX from Intelty , Inc in XX/XX/2020 as I was trying to get prequalified to buy a new home. A prequalified letter was provided to me in XXXX and I opened escrow on a home in XXXX. I advised XXXX to submit my loan application immediately to avoid any delay. Throughout this process, he was not very responsive on most messages left for him. I contacted his company and even their receptionist would screen my call and not let me talk to anyone in the office to answer questions on my loan status. XXXX kept saying I would get an answer today on multiple occasions, but it turned out to be a complete lie. You can not leave a message for him or with another employee in his company. We are in the month of XXXX, and still no answer as been provided. I contacted the underwriter and wouldn't provide me with any information as it had to be filtered through this mortgage broker. I lost money in doing an appraisal and I was not able to close on my new home due to his no response. No adverse action letter was provided explaining the final decision on my loan application. This was a very embarrassing experience not only with my realtor, but with the seller.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020. Please refer to complaint XXXX I submitted a complaint to the CFPB in regards to Transunion and XXXX XXXX reporting an account incorrectly on my credit report. In a nutshell XXXX is reporting a delinquent account as a mortgage however the account was never a mortgage or a secure loan. Transunion responded to the complaint to say I needed to submit proof of address because my address did not match, which is not true.I am attaching proof that my address is the same on transuion website and in a letter they sent me last year. So how can they say my address is different. this is just a diseptive practice they have to discourage and deflect people from correcting their credit report. This is unfair practices and it need to be addressed. CFPB did not even research the answer they took what they said at face value and closed the complaint. I am filing another complaint to document my efforts to resolve this issue. I will attach the following. Original complain, proof of address. It may seem trivial to you all but this is hindering my lively hood.
Product: Credit card

Synchrony Bank is changing policy to charge monthly a {$1.00} to get my Lowes credit card bill. I require a paper copy and find it unfair that my billing statement has to be now paid for to pay them. I use these as reminders that my bill is due not to miss a payments or have them tack on a late fee. I find this unfair practice to enforce their policy to the consumer. If we owe them hem a payment they have their obligation to send the bill and not charge us to get more money.
Product: Mortgage

On XXXX Ocwen Loan Servicing applied an " inspection fee '' in the amount of {$13.00} to my mortgage balance. This amount was added to the regular monthly statement on the XXXX statement. 
I phoned Ocwen on XXXX. I spoke with an agent and asked for documentation showing that I had agreed in writing to be liable for this charge. Several letters and many phone calls have been exchanged since my initial call on XXXX. To date, Ocwen has neither provided me with documentation proving that I am liable for this charge, nor have they honored my repeated requests to remove the charge from my account.
Product: Debt collection

Debt was paid in 2015. Legal agency called from XXXX stated they put out a warrant for my arrest regarding paid off debt. I explained to female at agency it has been paid off. She stated that she would n't be calling me if it was, demanded I take care of total immediately, stated she had list of friends and relatives phone numbers & would call them stating I owed the debt & ask them to pay it for me and then stated she was calling DMV to suspend my drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on this account. I never made a late payment to this company ever please change this, i have a good relationship with this company Delete the late payments on XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

To whom it may concern : American Express is reporting an alleged account with a balance of {$5800.00}. 

This alleged account was never validated and is in violation of the FDCPA. 

Please delete asap. 


Thank you.
Product: Checking or savings account

I lost my debit card Thursday night. That following Friday I received a call from pnc telling me that there was some suspicious activity on my account. I realized that I longer had my debit card during the conversation and the representative closed my card and said that I had to come into a branch to dispute the charges. I visited a branch and disputed the charges. I do not know how to dispute was filed, I never stated that I authorized someone to use my debit card. I did not give anyone my debit card, nor give them consent to use it. It was lost on Thirsty  Thursday. This is a really big inconvenience for me especially due to the COVID-19 outbreak. My family will have to be in quarantine and I need all access to my funds. If this is not quickly resolved I will not hesitate to escalate this issue even further. Thanks in advance
Product: Checking or savings account

I was scammed out of {$4500.00} through the pay friends app on my banking app. I immediately contacted the bank to inform them that the transactions were not authorized by me and that I wanted the transaction reversed. The bank said all i could do was file a dispute and advised I make a police report. I made a report with the local police as well as the FTC. The bank knows who took the money since they too have the pay friends app. I told the bank the transactions were done through a shared screen as I thought I was speaking with someone from tech support who would be helping me with my account, not stealing from me. I have submitted the case numbers for both reports I filed a long with a detailed email stating what happened. I had gotten a student loan for a vehicle purchase, and I was trying to transfer money to the zelle app from my bank for payment of vehicle. I thought I had called zelle customer support the guy told me he would have the tech guy call me back. When I received the call from the guy I thought was tech support he proceeded to take 3 transaction 2 for {$2000.00} and 1 for {$500.00} each sent thought pay friends on the chime banking app. After the first transaction the guy assured me the money would be put back and while waiting for the money to be put back he completed the other two transactions wiping out the funds in my account. The bank investigated and found no error. I asked for the details how they reached there decision and found several questionable reasons. I contacted the bank by phone and email requesting answers to these questions of how they reached their decision. I was told someone would contact me which has not happened yet the event took place on XXXX since then I have been required to reopen my dispute several times then I filed a rebutttle a long with information of their misinformation in coming to their decision. I live in a rural area and attend college not being able to get my money back to buy a car has caused me much stress and anxiety as I have to travel by bus 50 miles one way to school. I have missed drs appointments and have to spend 8 hours at school for a 2 hour class due to the bus schedule. I have stated to the bank time and time again that I did not authorize those transactions. Still nothing has been done about it the bank is allowing thieves to steal my money they have information about them since they too use their service.In my opinion they have basically aided and abeded those criminals when they did not cancel or reverse those transactions. I have done all the bank has asked and submitted all information they have requested, still they don't take what I say into consideration. I have yet to speak personally with someone about this issue I only get generic email responses back
Product: Debt collection

So Discover Bank has been ordered to provide ID protection to all of their cardholders for FREE! What about all of us former cardholders ho had their ID that Discover had hacked or sold
by Discover? 
I am over {$40000.00} in credit card debt thanks to Discover letting my information to be hacked or sold! 
I have found out that I have a XXXX XXXX card in my name, a card in the names of XXXX XXXX and a discover card in the name of XXXX XXXX! 
How many more Accounts has been set up using my name, SS number, birth date, home phone and/or home address from MY information that they got from Discover Bank? 
And HOW can I stop all this and being sued in court by Discover that let my ID to be hacked!
Product: Debt collection

XXXX was told that charges were coming up that I did not make, they said they would fix the charges, they did not. Then they said they made mistakes through computer error, I called them and they were told months prior that someone who claimed to be discover called and told me they were opening a line of credit under my information. XXXX said they said they never called, then they said their bank called, then they said their bank did not call. Either way multiple pulls were made as shown in the credit report.No one listened or assisted.
Product: Debt collection

I have been paying on this account since XXXX. It began with moving out of an apartment before the lease was over. I tried everything I could to have an agreement with them. And finally I could not pay rent anymore, so I cleaned the apartment and left before I was living there past what I had paid. Without hearing from them for a year, they turned me into a debt collecting agency. I began getting mail from an office called XXXX XXXX, and after that they sent me to Vinci Law Office in XXXX, CO. They have not been helpful to me, and I have paid WAY more than what is accounted for on my account. I started at around XXXX. Made my first payment on XX/XX/XXXX. I pay {$250.00} a month. I have in total paid {$2700.00}. However, my balance is still at {$5100.00}. There is almost XXXX not accounted for. They never tell me my balance online, they call me and demand money I have already paid, and much more. They have done nothing but make this worse!!!