23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I am writing because The only answer I can get from anybody is " that is not how this works '', and I don't feel like that is a sufficient answer. 

In 2014, I signed up for a membership at a local gym. XXXX XXXX XXXX in XXXX, TN. I did sign a contract and I did agree to pay a certain amount ( $ 50/month ) over a certain period of time ( 3 years? ). I thought it was {$1800.00}. I no longer have the contract. As thing happen, and the do happen, I lost my job about 5 months into the contract. I was paid current until that point. 

During my membership, I was given a key fob type of card that would activate the machines in the gym. If I was ever behind on a payment, the card would be deactivated. I could not use the equipment. Regardless of whatever contract I signed, it was pay as you go on a month to month basis. There was never any service provided that was not paid for. I could not use any service in the gym without paying for it first. 

There is a ding on my credit report for {$2100.00}. This is more than what my contract 's full term was for, and I paid for about 5 months already. I am curious how anyone could report me to a Credit Reporting Agency, who has not extended me a XXXX of credit. I get that XXXX XXXX feels I owe them that money because I signed a contract, and I am currently trying to work with the collection agency XXXX XXXX XXXX XXXX on a payoff. I think that reporting me to a Credit Agency is illegal since there was not a dime of credit extended to me. Not a dime. I am really feeling like this is a form of fraud and I have no idea where to turn to for help. XXXX XXXX is not registered with the XXXX, so it does no good to complain to them. This company has dinged my credit with the sole purpose of downgrading me in the eyes of someone who might actually give a me a real loan or real credit. I did not receive a loan or any credit from XXXX XXXX, so how are they able to grade me on loan and credit repayment? In order to report me to a credit agency, I would need to be defaulted on a loan or a line of credit. I am neither of those things with XXXX XXXX. I paid for every single time I used their facility and for some times that I did not. If we should get technical about it, I am owed money for the months I paid and did not go. What is the recourse for this? My intentions were good. I signed up for the gym and I made my monthly payments. I lost my job and I stopped going to the gym. We can go to court and discuss it with a judge about whether or not I am actually liable for the money and how it should be paid, but how am I getting dinged on my credit report when this has absolutely nothing to do with my credit?
Product: Vehicle loan or lease

I have spoken on the phone with several representatives of the company requesting that the payments that I make toward this loan be applied to the 'Unpaid Late Fees ' and also to 'Other Charges ' that appear on my account/statement. This conversation I have had with several representatives of the company over many months. The company is not applying any payment to either of these two separate late/other charges and, in the case of the 'Unpaid Late Fees ', the amount increases. 

I have tried to resolve this with this company but to no avail. They tell me on the telephone that the will see that the Unpaid Late Fees and Other Charges are removed, but this never happens. The charges remain and in the case of the 'Unpaid Late Fees ' that fee increases.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was compromised which put my identity at risk exposing my information and making my accounts overcharged or missing money.. unknown wire transfers and purchases I didnt do. It was as though it was masked. I am trying to get back on my feet and fix my credit. I got a background clearance and my credit cards are all on hold. It's very frustrating
Product: Credit reporting or other personal consumer reports

I am writing to formally request copies of my 1099-C forms from the companies listed in my previous correspondence. Despite reaching out multiple times regarding the 1099-Cs for all charge-off accounts on my credit reports, these companies have consistently refused to provide this essential information for tax purposes. It is concerning that this information continues to appear on my credit reports as charge-offs after these companies have already filed a profit and loss statement.

I want to emphasize that I am prepared to pursue statutory damages if any creditor continues to report inaccurate information about my debts, including mislabeling a charge-off while simultaneously claiming that I still owe the debt. 

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

My information was included in a data breach please delete reported accounts, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Transunion, XXXX. Disputes were filed on numerous dates.
Product: Checking or savings account

Ive asked them for my money over and over and the account is now in the positive & when I call they give me the same excuse over and over. 

Id like to close the account and get access to the money in both of my accounts. 

They said they couldnt properly close w/o getting the account in the positive so Im waiting.
Product: Credit card or prepaid card

I immediately identified fraud on my account, specifically that someone had spent XXXX at XXXX 's in XXXX. I mistakenly thought I had my card with me, but I did not and had lost it. I marked on the form that I had my card with me. They denied my claim as a result. I also realized later that a charge from XXXX, a grocery store, for XXXX, was also a fraudulent charge. My claim was denied and they are charging me for both even though this was a crime.
Product: Debt collection

National Credit XXXX did not provide proof of the collection. They are always rude and only want to collect money that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed my credit was pulled by XXXX XXXX. I did not authorize this pull nor have I received any services from this company.
Product: Debt collection

Hello, On XX/XX/XXXX, I authorized XXXX to charge my Barclay 's XXXX MasterCard in the amount of {$750.00} with the understanding the money would be deposited to my account to be used. XXXX ended up charging my card a total amount of {$840.00} which was an overcharge of {$93.00}. I reached out to Barclays to file a dispute and they did, XXXX, but only for the overcharge amount of {$93.00}. When XXXX found out, they immediately pulled ALL of the funds out of the account, took my credit card off their file and suggested I should have raised the issue with them versus going thru Barclays. They also took some of my " winnings '' and suggested they won't put anything back into my account until I redeposit the {$750.00}. I explained to them that their processor only credited back the overcharge and therefore they are not going to put the money back in my account. 
I attempted to work with Barclays but they insisted that I can only fax over the evidence or mail via US Post Office. I shared the challenges of doing this during a Global pandemic and they shared they don't care and that is the only way to communicate with them. 
In checking my credit card on line looking to see if they have resolved the issue I then noticed on XX/XX/XXXX XXXX fraudulently charged my Credit Card in the amount of {$870.00}. I reached back out to Barclays and created a 2nd dispute, XXXX XXXX. I was able to take screen shots of my chat conversations where they admitted that they : credited back the entire {$840.00}, took all the money out of my account, and never even charged my card for the XX/XX/XXXX charge. I sent all of this via US Mail to Barclays as evidence of fraud. 
Barclays has done everything they can to give me the run around and not look out for me regardless of the fact I have an XXXX credit score and have NEVER had debt collection or disputes in my life. They didn't seem to care. 
On XX/XX/XXXX I received correspondence from Barclays that the fraudulent charge on XX/XX/XXXX was closed and the ruling was not in my favor with the comment " The chip on the card was read and validated during the authorization process or CCV was confirmed '' which would be true if they had my CC on file, which they did, but does not mean I authorized it and AGAIN, I HAVE CHAT CONFIRMATION STATING THEY NEVER RAN THE CARD THE 2ND TIME ON XX/XX/XXXX. 
Barclays advised that chat messages are like text messages and are not legally binding but I can share dozens of cases where text messages have been used in a court of law and view this as yet another example of unethical business practices by Barclay. 
I am not paying those outstanding charges and need to understand what Legal recourse I have. 

Thanks, XXXX XXXX
Product: Debt collection

I keep getting calls from XXXX XXXX of Credit Collection Bureau, repeatedly calling up to 3+ in a row daily. I have received a letter in mail from XXXX on XX/XX/19 with a copy of old invoice that clearly states {$0.00} balance owed to XXXX XXXX XXXX in XXXX XXXX, CA. The balance was paid several months ago directly to XXXX XXXX XXXX. 

It should never have been given to any collections agency. Even a monkey could tell that the invoice they mailed reads {$0.00} balance. It is verifiable with a bank statement and directly can be confirmed with XXXX XXXX XXXX. The medical facility was paid in allocated time allowed before any debtor is notified. 

XXXX XXXX of Credit Collection Bureau is inflicting harassment with malicious intent. I have answered a call without speaking and she starts talking to me as if she knows me personally. Neglecting to state who she is or reason for calling. Then ends the call by saying I will trying again tomorrow, good bye. 

I am XXXX and feel this is violating not only FDCPA, but also my rights under ADA.  Providing no form of accessible communication to inform either company of the issue. Other then a phone number to call or to answer the annoying repeated phone calls. I can not speak clearly or for long on phones without pain because I have XXXX XXXX. The business, Credit Collection Bureau, and XXXX XXXX personally, is strongly in violation of FDCPA and ADA. 

In consideration of the several months time span between paying directly to XXXX XXXX XXXX the remaining balance on account and receiving letter from XXXX XXXX of Credit Collection Bureau. I am now suspicious that it is a scam to collect money from myself, potentially others that do not actually have a debt owed to any business. In the attempt to fraudulently collect funds already paid.
Product: Debt collection

Left message they were taking me to court in XXXX County. Called back, no one answered and left message. Called back, again and no one answered. A few minutes later XXXX XXXX called me back. Said she was with XXXX XXXX XXXX XXXX and she wanted me to confirm the last 4 of my SSN and that she was submitting documents to the court today to garnish my wages. I asked if this was for a XXXX account. I paid this debt with a debt collector over a year ago. This debt was from 2003. I started to tell her my story of how I paid this debt but I keep getting calls about this and she started talking, too, asking me to confirm my social. And then she said I was rudely talking over her and she would see me in court and hung up on me. I called back and left a message saying I did want to talk about this and I was not trying to bed rude. I tried her again, she didnt answer and I tried her answer and she answered. I asked her nicely if I could please have the fax number to send the letter stating I paid this debt. She said as she was trying to advise me earlier before I rudely interrupted her.. and she gave me the fax number. I asked to speak to her supervisor. I have never been spoken to like that. She said she was the supervisor. I asked if there was anyone above her and she said no so I asked if she pawned premeir holdings? She said that supervisors and owners are two different things and hung up on me again.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$18.00} XXXX - XXXX - XX/XX/XXXX - {$4400.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$8000.00} XXXX - XXXX XXXX XX/XX/XXXX - {$2500.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

Hello, This is my second complaint regarding the same group of lenders/loan officers associated with my mortgage. Below is their information : XXXX XXXX LICENSE ID XXXX, United Wholesale Mortgage XXXX XXXX XXXX XXXX ) XXXX BROKER XXXX Loans NMLS/SC LICENSE ID XXXX LOAN OFFICER XXXX XXXX XXXX XXXX LICENSE ID XXXX EMAIL XXXX PHONE ( XXXX ) XXXX My first complaint was about Anti steering law that the lender and loan officer did not abide by. My complaint is unresolved to date. 

This is a complaint about the loan payment setup. I was repeatedly promised that there was no penalty to pay off the loan sooner than loan duration and that I will have the option to choose to pay at a bi-weekly pace. I have repeated confirmation from the loan officer from well before closing and from today XX/XX/2022 over the phone, my loan officer confirmed the same yet again. However, United mortgage 's representatives said they do not offer true biweekly payment opportunities. They instead offer a budget payment option that is not the same as biweekly and I am not interested in this make-shift option. I would like for the loan officer and the lender to clarify and rectify this issue immediately.
Product: Credit reporting or other personal consumer reports

Report of Identity Theft information stole from a Medical Office Dear CFPB, I am writing to formally report that my identity was stolen from a medical office, leading to fraudulent actions under my name. The following is a detailed account of the issue : My personal identifying information, including but not limited to my Social Security number and insurance details, was stolen from a cyber attack that happend to a medical office. This unauthorized use of my identity has resulted in financial and medical consequences, a Loan and many hard inquires on my credit. 

I have attached relevant documentation to support my claim, As a victim, I respectfully request that the Consumer Financial Protection Bureau take the necessary actions to assist in the investigation of this medical identity theft and protect my financial and medical records from further damage. Additionally, I would appreciate guidance on any further steps I should take to safeguard my identity and correct the fraudulent information. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. Paid on time never late. Monthly payment is {$500.00} XXXX XXXX Credit card. current account balance is wrong. monthly payment is {$500.00}. never late, no delinquencies. 
XXXX XXXX XXXX Credit Card. paid on time, never late. Current balance {$21000.00}. MOnthly payment {$1000.00} XXXX financial. account closed, paid in full, never late. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
XXXX originals. account close, paid in full, never late. account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
XXXX XXXX  XXXX. account closed. paid in full, never late. Account closed XX/XX/XXXX. As consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
XXXX. Account paid in full, never late & closed. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
XXXX XXXX XXXXXXXX. Account close, paid in full, never late. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
US Dept of EDXXXX XXXX. Account closed, sold or transferred. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yXXXX timeline since this account is not related to bankruptcy.
Product: Credit card or prepaid card

I purchased a XXXX from XXXX in XX/XX/XXXX, although I never received the item I was being charged for the item along with interest through my XXXX statement. 

I finally received a refund XX/XX/XXXX for merchandise but then was charged a late fee for not paying the minimum payment which included the approx {$2300.00} of the spa never received. I contacted commenting and they gave me a credit for a late fee and some of the finance charged accessed said I was to pay {$69.00} dollars in XXXX payment I made a {$70.00} payment the company charged me yet another late fee and reported my account as delinquent to credit bureaus. 

I believe fraud has occurred with my account since the beginning as I only charged {$1500.00} on this card yet I owe {$550.00} in XXXX year of making payments.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you must block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : 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 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 XXXXXX/XX/XXXX If you fail to respond promptly, I will seek damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney.

Please acknowledge this letter and provide a timeline for resolution.
Product: Credit reporting or other personal consumer reports

There were two hard inquirers when checking my credit karma account. They are JPMCB CARD SERVICES ( Bank ) on XX/XX/XXXX. 
And JPMCB CARD SERVICES ( Bank ) on XX/XX/XXXX. The addresses reported with these are XXXX XXXX XXXX XXXX, KY XXXX and XXXX XXXX XXXX XXXX, KY XXXX. Neither of these addresses have I ever been a resident at. Two of the names used are not my government name ; XXXX XXXX and XXXX XXXX XXXX. I have never applied for a Chase Bank card.
Product: Credit reporting or other personal consumer reports

First, they sent me a link with a document that does not reflect the original loan amount, or the amount disbursed, and the name of the lender is different. The document they attached in the link was dated XX/XX/2017. I had to drop out of the university in XX/XX/2017, since my husband got XXXX and I had to move to another state for him to receive treatment for his illness, therefore the university was supposed to return the loan to the lending company, because I did not attend the University. ( I attach the document that verifies the cancellation of the loan ). In addition to this situation, I received forgiveness of other student loans with XXXX XXXX  due to the approval of the Borrower Defense program, due to the misleading and misconduct practices of the University ( Attached document ). This whole situation has caused XXXX XXXX XXXXXXXX XXXX XXXX, because I had to repeat a year of the study program since it became difficult to find a university that would accept transferring the credits and I had to acquire more student loans, in order to finish an XXXX XXXX in which full-time job positions are limited, also my credit has been affected making it impossible for me to buy a home. To correct this situation, I request that XXXX, XXXX and the collection company send me the loan cancellation letter and send the information to the credit agencies so that they remove the loan from my credit report.
Product: Debt collection

Shepherd Outsourcing sent a text message to a third party regarding XXXX accounts on behalf of XXXX XXXX XXXX through XXXX XXXX XXXX XXXX. This is an illegal contact and disclosure of information to a third party. This event took place at XXXX XXXX on XX/XX/year> and appears to have sent XXXX messages to the contact. A screenshot of the texts can be provided but was initially withheld as the system indicates to not provide personal information.