23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Context : I am a resident permanent from XXXX thanks to my dad, after that, I was living in XXXX and was coming back to the XXXX at least XXXX times per year all this during these XXXX years because I was preparing myself to work as a XXXX XXXX because this is my career and love it. 

On XX/XX/XXXX of XXXX, I decided to arrive to XXXX because I am very close to obtaining the job of my dreams ( As a XXXX XXXX ). I got my Driver License, I created a Bank Account, and I started trying to get a credit card but all institutions which I tried was refusing my requests thanks that I decided to talk with my sister about it and she suggested to me that I created an account with XXXX to check my credit historical ( Until that moment I didn't know about that ), thanks to that I discovered a lot of cards with a lot of debt on the dashboard of mentioned application obviously I never request these cards ( Only a XXXX XXXX card was requested by me ) for that reason I am here reporting this crime in my name. 

I suspect my dad because he was access to my personal information, and the addresses used on the reported credit cards are addresses where he was living. 

I certify the representations made are true, correct, and contain no material omissions of fact.
Product: Credit card or prepaid card

The card was frozen by the company without permission also to call it was frozen twice within the last two months so this is the third time they will not release the payroll funds in and giving us the runaround they keep saying 24 to 48 hours when the information that was asked for has been sent to them since Saturday and also theyre saying they didnt get the information which was sent again yesterday till yesterday is stopping us from getting food. Also paying bills and getting medication that is needed greatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I apply to refinance my home laon with this morgage company loandepot has a program called HARP. Harp program is for people that have mortgage problems or issues in 2007. They talked to me about HARP I understood how it works I qualify for it under their guide lines this program helps people that is underwater owes more than the house is worth there are not financial denied when loandepot person help me and said everything was ok when he started to work in my loan he noticed that I owe {>= $1,000,000} he asked me if I have a second morgage. Told him tha the reason why my loan was so high is because XXXX XXXX XXXX screwed me up when he gave me a loan modifications and I had no choice but accept their new laon conditions or I was to be homeless they took advantage of my situation of desability no money and with my family they told me that this modifications was wrong and may be fraudulent becouse under HARP guide lines they where  supposed to do this kind of work out. He told me i qualify for the program but because of the way this loan was done he could n't help me and that was one of the reasons why XXXX XXXX XXXX was sued I told him that if wad to denied my loan I want to describe the reason the real reason why he was going to denied it he said he would n't know how is going to be but it will be a denied letter under the guide lines of this program it would n't be any denial financial issues
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21, I wrote XXXX, XXXX, and Equifax regarding inquiries and verification/validation of debt. I do not believe the bureaus responded in a timely fashion, and I haven't received the requested information within the letter sent ie original contract with my signature on it. Please see attachment letters.
Product: Credit reporting or other personal consumer reports

Hello, I have used the personal budgeting/financing app called " XXXX '' by XXXX for years. XXXX includes a Credit Score which uses " XXXX XXXX ''. For over a year now ( I can not recall when this problem started ), this credit score has remained in the high XXXX, but the " breakdown '' section has an error I can not self-correct. I have reached out to XXXX support, who directed me to TransUnion for the error, and TransUnion doesn't see the error ( according to my full credit report ). So this complaint is my last resort. 

The breakdown of my credit score in Mint indicates that my " Credit Utilization '' is 0 % ( " XXXX Credit Score Credit Utilization '', attached ). I have a credit card balance of over {$4000.00} connected to XXXX as well, which refreshes regularly when I make purchases or payments ( " XXXX Credit Card Balance '', attached ). [ Note : these attachments are current as of my writing this. ] It's quite apparent that a $ XXXX balance on a credit card does not equal a credit utilization of 0 %. 

However, my full TransUnion credit report includes the same credit card account and balance ( " TransUnion Credit Report ( XXXX XXXX ) '', attached ). [ Note : this attachment is about a month old, so the exact numbers will not match the rest of this complaint. ] Somehow, both XXXX and TransUnion can see my credit card account and balance, but they're reporting my Credit Utilization as 0 % as it pertains to my credit score. 

As I said before, XXXX directed me to TransUnion support, and TransUnion support doesn't offer me any support options for this unique situation : they only offer me the option to dispute individual transactions on the report. 

The only other information I can offer that might be impacting this problem is that I had a legal name change in 2019. As far as I'm aware, I've updated all relevant agencies ( i.e. Social Security, IRS, etc. ), but I figured I would mention it in case my deadname might be causing any problems with this. 

Thank you for your time in helping me with this bizarre situation.
Product: Debt collection

Received a call at XXXX XXXX, to my knowledge debt collectors are not allow to call in Texas on Sunday before XXXX
Product: Debt collection

I am writing to formally dispute the collection charges reported on my credit report regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. These charges are incorrect and should not reflect a balance, as the equipment for both cable and internet services was duly returned, and I am not responsible for any further charges related to this account. 
The account in question was closed, and I received a bill dated XX/XX/year> indicating a balance of - {$120.00}, which I have already disputed with XXXX XXXX XXXX and all three credit bureaus. Despite my efforts, I have yet to receive a fair and lawful resolution, in accordance with consumer protection laws. 
As of now, nearly XXXX years later, I believe the reported charges are erroneous and should be removed immediately from my credit report. The failure to correct these inaccuracies has caused unnecessary harm to my creditworthiness, and I insist that the charges be investigated thoroughly and removed as soon as possible.
Product: Checking or savings account

Company has been repeatedly denying all of my transaction disputes based on little or effortless investigation findings.
Product: Student loan

On the   XXXX   XXXX   XXXX   I reveived a call from an unknown number (  XXXX  ) which has since been discontinued.
The representative on the other end,   XXXX   XXXX   ( working for Premier Student Loan Center ), offered to help reduce my student loan debt by way of consolidation. This service he offered, according to him, requred an enrollment fee of {$220.00} to be made for 4 months on the  XXXX  of each month.
In order to move the consolidation request forward he required my personal information. I was n't able to submit the requested documents before the first payment ( they were submitted on   XXXX   XXXX   ) and I had been charged regardless.
On   XXXX   XXXX   I made attempts to resolve my complaints via phone (   XXXX   ) and email (  XXXX  ). However my efforts proved useless as  XXXX  said they moved my request forward and it is irreversible. I am required to pay the enrollment fees even though they do nothing to pay for my loans.
I also seek advice on how to move forward past this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Vehicle loan or lease

Global Lending Services has violated my rights as an protected consumer under the Equal Credit Opportunity Act. I have enclose the violations done to me in the attachments. 

PLEASE CHECK THE ATTACHMENTS BELOW.
Product: Money transfer, virtual currency, or money service

In XXXX of 2021, I fell victim to a telephone scam masquerading as the XXXX XXXXXXXX XXXX using the Zelle money transfer service, for the amount of {$3500.00}. I filed a fraud complaint with XXXX  XXXX XXXX, and 60 days later, without explanation, the money was refunded to my account. 

I have since left XXXX and moved my finances to the XXXX XXXX XXXX XXXX, where I tried to reestablish Zelle as a service. I was very surprised to find out that my mobile number and e-mail have been put on a block list by the Zelle corporate entity, Early Warning Systems or https : //www.earlywarning.com. 

My bank, XXXX, tells me that they ( XXXX ) can open access to Zelle to my account, but if there is any future fraud loss, XXXX will be open to severe fines and penalties from XXXX. Furthermore, I am told that consumers using Zelle have no fraud protection whatsoever, and advised that I use XXXX or XXXX. 

XXXX tells me that can not comment and I have to go back to my bank, which tells me the decision was made by XXXX, not them. I am stuck in a loop. 

How are payment transfer companies like XXXX regulated? Or is it a freewheeling company that exists outside of government banking regulations? 

I am pursuing this on social media but wanted to let the CFPB know how consumers are defrauded by this faceless corporate entity.
Product: Student loan

The outstanding balance continues to increase although I pay over my minimum monthly payment. This is typical payday lending behavior. The newest legislation surrounding student loans is supposed to alleviate the balance from continuously increasing. At this rate my student loans will never be paid.
Product: Debt collection

Today XX/XX/2022 I contacted Midland Funding about a collection account on my credit reports. I do not believe this is my account. I asked to speak with a supervisor and was told there was not one available. All of sudden there was one available and he briefly spoke with me saying to the likes are you going to pay it or not and the best deal possible. He refused to answers my questions and frankly sent me back the consumer rep. They again attempted to get me to pay the debt. They did agree to open a dispute. This company is very rude, doesnt seem to fully understand the FDCA or the FCRA and frankly wont even obey by there own website promises. The CFBA has reached a massive legal agreement with them but that doesnt seem to change there behavior. They continue to carry on the same old ways and a complete disregard for the FDCA and FCRA.
Product: Debt collection

XXXX created an account ( XXXX ) for me and started charging me without sending any sim card or providing me any services ( between XXXX XXXX XX/XX/XXXX ), every time I called their contact center they agreed that I should not have been charged because they never offered me any services. And 4 times then promised me that right team ( at the back-office ) will waive off the due amount. But it was never addressed. I have escalation ticket - XXXX XXXX for my last conversation. 

In Spite of all the commitment I am now getting calls from collection agency called Frontline asset strategies ( with account XXXX ) asking me to pay the debt and they are refusing to come on a conference call with XXXX XXXX. 

Request you to please help me with this malpractice from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have supplied the attached documents to the company several times in order to have accounts opened in my name from ID theft BLOCKED with the FC RA 605B, the y have told me that in order to block it the original creditor needs to give the OK which is not the case when it comes to accounts open through ID theft, i have gone back and fourth with calling multiple times and sending over  5 fa xes. I have the Fax receipts confirming they have received them. I have uploaded these same Docs twice via their computer system. and I have mailed a package with tracking in order to ensure they receive them. These fraud accounts were reporting too all   XXXX   agencies and  XXXX  and  XXXX  have blocked these accounts given the information. BY law the agency have a t MAX 5 busi ness days to have them blocked. They are now hindering my ability to buy a home and causing me so much  stress d ue to this. I need these items gone since they are not an accurate representation of how i pay my bills.
Product: Debt collection

After going through my most recent credit report, I identified several accounts that I suspect were added without my permission and are wrong. I am requesting these fraudulent accounts be blocked and removed from my report at once.
Product: Credit card or prepaid card

I have a brand new credit card with Aspire due to fraudulent charges. I have never used the new credit card or even taken the card out of my home.on XX/XX/2020 Aspire company shows a charge of {$510.00} and a credit in the same amount of {$510.00} however as of XX/XX/2020 the credit of {$510.00} was never processed on my account resulting in a incorrect balance with Aspire. I have contact this company twice regarding this issue and Aspire refuses to correct this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate late payment information listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that any inaccurate, incomplete, or unverifiable information be corrected or removed from my credit report. Upon careful review of my recent credit reports from XXXX, Experian, and XXXX, I noticed several late payments that are incorrectly reported. I request an immediate investigation and correction of these inaccuracies. 
Here are the details of the disputed accounts : XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Account ending in XXXX ) o Reported late payments : 30 days ( XX/XX/year> ), 60 days ( XX/XX/year> ), 90 days ( XX/XX/year> ), 120 days ( XX/XX/year> ), and 150 days ( XX/XX/year> ). 
o Payment records show consistent and timely payments during the reported period. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  ( Account ending in XXXX ) o Reported late payments : 30 days ( XX/XX/year> ), 60 days ( XX/XX/year> and XX/XX/year> ), and 90 days ( XX/XX/year> ). 
o Payment history does not support these claims. 
XXXX. XXXX XXXX Late Payment ( Experian Report ) o Account balance : {$510.00} o Reported late payments associated with this balance, updated on XX/XX/year>, are incorrect. 
XXXX. XXXX XXXX Late Payment ( Experian Report ) o Account balance : {$610.00} o Reported late payments associated with this balance, updated on XX/XX/year>, are also incorrect. 
I respectfully request that the incorrect information be verified with the creditor or removed promptly from my credit report. 
Additionally, I ask that you provide written confirmation of the resolution of this dispute. If you require further information, feel free to contact me Thank you for your attention to this matter. I look forward to your prompt response, as required under the FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX, has violated my right 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Prepaid card

I went to the bank on XXXX/XXXX/16 to do a cash advance for XXXX from my Rushcard debit card and the teller never received a authorization number from the terminal or printout to give me my money. The teller stated it was not going through, it kept giving him a error message.But the withdrawal and fee was pending on my account till this afternoon on XXXX/XXXX/16. It cleared my account and now Rushcard Does not want to return my money when they were having system issues and doing a system maintenance update the same day. I am very unhappy, because it was not my problem and customer service is not able to see the error on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third attempt to fix this problem XXXX have remove these inquires Equifax refuse to adhere to FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted FNBO several times regarding this Fraudulent Account listed on my credit report. The First time of contact was XX/XX/XXXX I have sent in proof that the account was opened fraudulently as well as an FTC report. The company assured me over the phone that the account will be removed but each month reports the exact opposite to the credit bureau. XX/XX/XXXX I contacted the FNBO high risk department to let them The information they are reporting is a violation of my rights and the account was opened fraudulent the representative told me they closed the account and will continue reporting it to the credit bureaus. This company is reporting false information which violates my consumer rights which is a direct violation of The FCRA standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX
Product: Debt collection

When I moved there was equipment for internet owned by XXXX. I shipped it back, but XXXX turned over the equipment cost to a debt collector known as IC System. However, the equipment was shipped on XX/XX/2024 aXXXX XXXX XXXX from a local XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. There are the instructions to the shipment : Device # XXXX Serial Number XXXX Device # XXXX Serial Number XXXX Reference Number : XXXX Tracking Number : XXXX Accordingly, I believe the collection should be deleted permanently. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

I send a amount or {$2000.00} dlls to an account to XXXX via money gram, they supposed to send me to a personal bank account and never received the money, i send the money in XX/XX/2020., i call in XX/XX/XXXX in XX/XX/XXXX th they open a investigation case and told me in a month i eill have any response but its almost 2 months and didn't received any notification ... call them in XX/XX/XXXX and don't gave me any reason ... im very frustrated because my money is in limbo..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is the current creditor for a XXXX XXXX account. The total amount of the debt was {$1000.00}. On XX/XX/2018 I called XXXX XXXX and spoke with a supervisor named XXXX XXXX. He told me more than once we were on a recorded line. We agreed to a settlement in full amount of {$520.00}. I asked him to email me this information before I agree to it. He explained he couldn't for security reasons. He went on to say I would receive this agreement via the US mail system and another notice saying it was settled in full once the {$520.00} was paid. I haven't received either one. He also said my credit report would say settled in full. Again he said I had nothing to worry about as we were on a recorded line. I agreed to the {$520.00} which was paid on XX/XX/2018 as agreed settled in full. My XXXX credit report shows my payment but still shows I have a balance due of {$520.00}. This balance due needs to be removed and show settled in full and I need to receive the notice my debt is settled. I filed a dispute with XXXX with no resolution.
Product: Credit reporting or other personal consumer reports

I put a dispute in with XXXX XXXX, Equifax about the XXXX accounts that Ive been complaining about XXXX is for Credit collection service XXXX is for credit acceptance. Ive been disputing the second account for the past XXXX years experience have refused to remove that account off my credit report which I asked him XXXX times to remove it, and I sent documentation to them that it needs to be removed. Also, I also sent them documentation about them to remove the credit collection service which they did their investigation and I was not pleased with the investigation that they have done under the law 15 usc 1666 ( b ) experience still refuse to move these XXXX accounts off my credit report I feel as though they are not properly investigating to delete these XXXX items, credit acceptance, and also credit collection service.
Product: Credit card or prepaid card

I'm currently locked out of my XXXX XXXX account, It won't allow me to reset my password because it's asking for my card information, and i do not have that. I did call XXXX customer service and they told me, they're not the ones that handle those issue. I tried finding different ways to contact the payfare dasher direct, there's no contact. This is absolutely ridiculous how i'm not able to work and get paid due to me not able to reach ANY customer support