23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call this morning ( XX/XX/XXXX ) from someone claiming to be a debt collector from Sunset Solutions Group, after this person had already called both my parents, my sister and my grandfather. They stated that they have been trying to get ahold of me to notify me that judgement would be taking against me and that I will be taken to court for 4 outstanding debts with payday loan companies that I have never previously heard of. I have never put down my sister or Grandfather as a reference on any sort of application. When I asked the representative for a date when these loans were taken out she said she couldn't tell me a date but that they were charged of in XXXX, so they had to have been taken out awhile before that. When I repeated that I have no idea what these companies are and have never even heard of them, she had all of my personal information and stated that I had to have filled out these applications in person because it was all on there, so I was responsible for these debts. Each loan was in the amount of {$500.00} for a total of {$2000.00} owed. She stated I had 3 {$500.00} loans out with XXXX XXXX and another {$500.00} loan with XXXX XXXX XXXX. When I looked up XXXX XXXX, it showed a physical location out in XXXX XXXX but the image showed XXXX XXXX XXXX. I tried to call the number listed but it was just a voice recording and the only option I was able to press was to continue in English, and then the line would disconnect. When I looked up XXXX XXXX XXXX, I found multiple complaints from other people stating they had debt collectors calling to collect for a loan they had never taken out and had never hear of XXXX XXXX XXXX. When I went to their website, there is a big notice on the front page of the website that states " Fraud Alert- Be Aware Of Scamming Collection Agencies Using The Name XXXX To Try To Collect Money. XXXX Is Not A Lender And Does Not Report To Credit Agencies So You Do Not Owe XXXX Any Money. We Are Only An Advertising Agency In The Financial Sector. If Some Company Calls Or Emails You Saying You Owe XXXX  Money Its Not True And Report Them To The CFPB Or FTC For Fraud. '' Also, when I went to look up the Sunset Solutions Group phone number, the phone number listed was not anywhere close to the phone number that I received the call from ( XXXX ). She also stated that these companies have been trying to get ahold of me via phone, never received any such phone calls, and by email and when I asked what email they were being sent to, it was an email address that was my first and last name but I have never had any such email address my entire life. When I asked what employer they had down for me, while the employer was similar in name to my actual employer, it was not the correct name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I signed a lease, so-signing with my mother at XXXX XXXX XXXX XXXX This past week XXXX actually bought the car off of me, paying off the rest of the amount and owing me around {$5000.00}. I went to another dealership test drove a car, and found the perfect one. I went to sign papers and before that they ran my credit report to make sure my past lease checked out. Come to find out the entire 3 year lease was not once reported at all to the credit bureaus. 

I called XXXX XXXX, the ones who actually do the reporting and was first told it was " because of COVID-19 relief program, where some accounts had their reports removed. I then asked why would this happen if I didn't authorize this, or get informed of it, and why my information from the entire year before the pandemic began wasn't still on my credit reports. She responded that " They went in and deleted all history with them ''. I contacted my attorney and he instructed me to call back and ask for a supervisor and file a complaint here first. 

I called back again and was denied being placed with any supervisor. Instead I was told this time that the reason it wasn't reported is because sometimes the computers mess up and don't report lines of credit. She also told me I won't hear back for 3-4 business days, and it could also take 30 days to even try and reinstate my information to my credit report they messed up. 

My mother, the co-signer also checked her credit reports and they failed to report there too. This was not my mistake and their employees took credit for the fact their computers made a mistake. I should not have to wait for this to be reinstated, as I should've been able to get a new car last week if it wasn't for their negligence.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS REPORTING ACCOUNT -- XXXXXXXX XXXX  ON MY CREDIT REPORT AND THIS ACCOUNT AND BALANCE DO NOT BELONG TO MEI HAVE SENT THE DELETION LETTER MULTIPLES TIME TO EQUIFAX AS WELL AS XXXX XXXX TO THEM DIRECTLY AND THEY HAVE STILL NOT REMOVED THIS ACCOUNT FROM MY CREDIT FILE
Product: Mortgage

Date of transaction- on going since XXXX XXXX XXXX Amount of money I have paid- {$XXXX} What the business committed to provide you- Carrington said my pay off balance for my house would be {$XXXX}, XXXX XX/XX/XXXX XXXX XXXX then with property tax and insurance included would be a final {$XXXX}, XXXX total, XXXX XXXX who works there told me this in email he said this too. So I have given them an additional {$XXXX} which is interest. So the house should be paid off now and no remaining balance left but still every month they continue to add more money to the pay off balance. They add {$XXXX} every month. Even though underneath the pay off balance it states in the letter they sent me Funds received after XX/XX/XXXX will require an additional {$XXXX} monthly interest. Which is why I paid the {$XXXX} in addition its the interest. Now Carrington sent me a letter XX/XX/XXXX saying my total pay off balance is an additional {$XXXX}!!! It is absolutely absurd. And even when I sent them multiple letters XXXX XXXX told me to fax and they said it would take 4 weeks for them to respond even when I was waiting for a response for them they sent me a foreclosure letter and charged additional money for that!! When my total balance was ONLY {$XXXX} and I was waiting on them to get back to my letter. They sent me a foreclosure letter and charged an additional {$XXXX}!!!! Which is absolutely ridiculous!!! Which all the stuff I am writing now I have faxed letters, emailed talked to them on the phone and still they wont resolve this. At this point I dont owe them anything else! And yet they are still sending letters saying the pay off balance is now {$XXXX}. The business has been awful and theyve been a complete scam when it comes to this and just keep on trying to get more money. Attached I have the letters they have sent, ones I have faxed. If needed I can also send the emails Ive sent to XXXX XXXX. 
Just yesterday XX/XX/XXXX I paid an additional {$XXXX} I wired and I also sent {$XXXX} which was an automatic payment. Even though I do NOT owe anything I paid this because every month they charge an additional {$XXXX}!!!! So the money that I paid yesterday and anything additional I need paid back to me! Now Carrington owes me {$XXXX}!!! I need this money back ASAP. Carrington has been absolutely awful charging money I do not owe, sending foreclosure letters, when interest monthly is supposed to be about {$XXXX} adding an additional {$XXXX} every month. And on top of that they never respond!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX XX/XX/XXXX EQUIFAX To whom it may concern, please help me sir or maam! 

You are reporting and publishing inaccurate information ( tradeline ) accounts, personal info, late payments, and inquiries in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss opportunities. 

The following account you are publishing about me is inaccurate because under 15 USC 1692 you are in violation of my consumer rights. 



FRAUD WRONG PERSONAL INFO DELETE XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX INQUIRIES DELETE XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I request that you DELETE/REMOVE the above-listed FRAUDULENT accounts, personal info, late payments, collections and inquiries off my credit report. 

Please provide me with an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification under 15 USC 1692g. 

For identification purposes, my social security # is XXXX and my date of birth is XX/XX/XXXX. I am enclosing a copy of my identification as proof of identity and mailing address along with a police report of fraud on my profile. 

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 

Your prompt attention to this important matter is requested in compliance with federal law. Everything stated above is under the penalty of perjury and the other specific language that accompanies this letter. 

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

Gemini restricted my account so I reached out to support via email and they asked me to upload a picture of my Id which I used to verify my Gemini account and also a selfie to verify my identity which I did and I was told my case was being escalated. It has been a week now and my account is still restricted. Ive reached out numerous amount of time to get this fixed and Ive yet to receive a response form Gemini, this is very inconvenient I have thousands of dollars in my account not able to access it is cause financially costing me a lot. This has cause me XXXX cause I can even barely sleep at night knowing I can not do anything with my account knowing it has been restricted by Gemini and they wouldnt help out or let me know any updates. Ticket ID # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello good morning my name is XXXX XXXX, I have a bit of a story with this and I hope you are willing to listen. 

In XX/XX/XXXX I was approved for a XXXX  XXXX XXXX XXXX. I was highly appreciative of it since I have had credit issues in the past and I was happy to be given a chance. 

I used this card a fair bit but during my credit rebuild it appears I somehow disputed this card with the credit bureaus and on XX/XX/XXXX I received a phone call from you that the card is currently under dispute and will be locked. I was given the following contact information ; Please call XXXX XXXX XXXX XXXX extension XXXX. I will also attach the voice mail to this email for you to listen to. 

After I called her back I was told the account was disputed and is currently locked. Of course since I was going through a rebuild I was highly concerned about my credit since I knew there was an amount due on it I asked to pay this since I didn't want any issues with my credit. I was told since it was in dispute 1 ) I could not make a payment but not to worry since it was frozen and could not report late 2 ) If I wanted to reinstate it you could fax me a form and after you verify with the credit bureaus you would consider reopening the account. 

I faxed this paper to you on around XX/XX/XXXX give or take a few days. Again your representative told me I could not make a payment but not to be concerned. 

After reviewing my report it turns out the following has happened 1 ) XX/XX/XXXX you gave me a 30 day late payment I would like the following actions 1 ) Remove the late payment since it was impossible for me to pay and I was clearly told by the above agent I would have no late payments and not to worry I have tried to contact your staff including the person who helped me before, I have also tried to dispute this with the credit bureaus and neither has been successful. The fraud agent just take around 30 minutes and then tell me to write a letter. The Credit bureaus just verify both as correct data. 

Please help me. 

In the meantime you gave me a new credit card account in XX/XX/XXXX, which I currently still do use. 

Currently I have the following with you 1 ) XX/XX/XXXXXXXX XXXX XXXX 2 ) XXXX  XXXX XXXX  XXXX 3 ) Checking account 4 ) Savings account My phone number is XXXX XXXX XXXX. 

My full name is XXXX XXXX and the last four digits of the card involved is XXXX. 

I look forward to a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

On XX/XX/2020, I requested a cease and desist of telephonic contact, via auto-dialer or other means. On XX/XX/2020 at XXXX ET, Suburban Credit contact me in violation of my cease and desist and using an auto-dialer. This is in violation of my rights, and I thought we had reached an agreement that the debt was uncollectable. However, I received a collection letter last week attempting to collect on the full balance. 

Aware that my FDCPA claim will be beyond the statute of limitations in a month, I think this is very suspicious and questionable timing. I am requesting relief through this portal as a last-ditch effort before suing Suburban Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on this company a few days ago and sent them a certified letter in the mail detailing my dispute. They responded back to my dispute stating that they already sent over information and would not be sending anything to validate this at this time. I never received anything. I requested documentation as outlined in my previous complaint but it was never sent. They have not provided a Certified mail return receipt where they would have mailed these documents. I never received this contract. According to the law? They have to provide me with this information which they have not provided and are refusing to provide as stated in their previous response. I ask that this be removed from my credit report immediately. I am already seeking legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Portfolio Recovery Associates, already under court order by the CFPB, is still contacting me regarding a debt that has not yet come out of deferment, and/ or is contacting me about a debt I do not owe and was never given a notice of my right to dispute. 
The loan ( which they are calling me about, illegally, in harassing phone calls ) in question never discharged in time and never covered all my late charges billed to me by the UC Board with less than 2 weeks left in my XXXX XXXX term. I had assumed by that time,, as any normal person would,, that my terms enrollment had been cancelled ( I was not enrolled with less than 2 weeks left in the quarter! And have records of this ) so I left the area to save myself rent charges ( again, with rental records to show this ). 
Only the terms late charges, ( not including tuition charges, which did not show up in my account until after I had left the area and traveled XXXX hours away by car ) were filed as a lost claim by the XXXX XXXX XXXX XXXX, in XXXX XXXX XXXX XXXX of last year ( I am listed as a dependent in the case already settled out of court last XXXX ) I opted out of the settlement as I felt the terms were not satisfactory to cover my losses So Portfolio Recovery should not even be involved in collections efforts regarding this terms ' loan
Product: Checking or savings account

I attempted to deposit a check through Ally Bank 's app and the bank contacted me and said that it would not accept my deposit ( it was an approximately {$2.00} deposit of dividends from an old XXXX  ) because the registrations did not match. I have never had such an issue, and attempted to call for assistance. The wait time was unbearable, so I emailed Ally. The response was that I had to call to speak with a person in their deposits department. So, I called, again, and waited on hold, again. I was asked to verify the last 4 digits of my SSN, my DOB and 2 answers to random secret questions, including my favorite team. I guessed what I might have set up, and evidently guessed incorrectly. I was placed on hold again, and escalated to a supervisor, who, maddeningly, repeated the entire series of questions. My answers did not change. She said that someone would have to call me to verify me. That doesn't seem like a super secure way of doing business- calling me from a random number, on my unsecure cell phone, at some indeterminate time. All I am trying to do is deposit a small check. But she said that she could not help me, that I could speak with no one else, and then she froze my accounts so that I can not view them. 

I need ( 1 ) my accounts unfrozen and ( 2 ) to be able to deposit this check and ( 3 ) an apology for my massive inconvenience.
Product: Debt collection

I formerly had phone service with XXXX and I was set up on automatic payments. They switched to XXXX  without my consent and cut off my service so that I could not properly make and receive calls because I had a XXXX XXXX XXXX they continued to charge me for 6 additional months even though they communicated with me that my service was XXXX!! I decided to continue to use the phone as a wifi phone because I own the phone I paid cash for the phone they then illegally put a block on my XXXX number then charged me an additional {$110.00} and illegally submitted as a collection when its my position they actually owe me because they continued to automatically bill me when they had already XXXX my service! The only reason they stop illegally charging me is my debt card expired or I had to get a new debit card so the automatic charges stopped! XXXX put a collection on me despite having continue automatically bill me after THEY XXXX my service! Because they switched to XXXX I continued to be charged my XXXX without service!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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: Debt collection

i have no authorized information that I used or allowed anyone to use to open this account the paperwork that you have is erroneous and currently i have pursued having these accounts investigated. this company swears that they have my information verified with me which they do not as I have not had any direct contact with this company about my personal information and the company has stated that they now will not have any communication with me to fix this issue but continues to report this account the the credit bureaus???
Product: Debt or credit management

Monarch Insisted that they took their money out first and then paid out our debts, I know not that is not right they are not allowed to do that. we paid out over XXXX dollars and had only one debt settled which was under XXXX dollars.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX, XXXX, and Absolute Recovery Services on XX/XX/year> about this collection account that does not belong. In that dispute I requested the Validation of Debt and the removal of the account in question per 15 USC 1692g. Also in this dispute I requested : ( 1 ) Send me a detailed list of history of payments made by me on the account. ( 2 ) I want to seethe sigature that I put on a contract guaranteeing that I would pay this creditor. ( 3 ) I asked to see has there been any insurance claims filedon this debt by the collection agency or the original creditor. ( 4 ) I asked for proof that Absolute Recovery Services have the chain of title to collect on this debt. Also per XXXX XXXX XXXX, Absolute Recovery Services is not licensed or authorized to collect debt in the state of Tennessee. This proof will be attached.