23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

While at work on XX/XX/ a person approached my apartment unit while I was not there. An air conditioner installer heard a knock on the door and assumed it was me answered the door. The person who knocked on the door asked if the air conditioner installer if he was me and the person installing the air conditioner said no! Why? I was later told that the person at the door said because you owe this debt and proceeded to show the air conditioner installer documents with my personal information and a dollar amount! The air conditioner installer said that he was not me and left. 

When I got home from work I found these documents laying out as is! 

I am currently responding to this summons and filing this complaint at the same time. Its embarrassing and humiliating what unprofessionalism can do. I am not sure how many people on my floor saw my personal information. 

I asked security if anyone checked in to gain access to our secure building and was told no one signed in for my apartment or me on that day and access to the elevator is done with a key fob. ;
Product: Vehicle loan or lease

On Wednesday XX/XX/XXXX I had went to XXXX  in XXXX MD to inquire about a vehicle that was online and had been sold. This is my first time doing anything with credit so I wanted it to be a great deal on both ends which I had explained to sales man XXXX and he guaranteed I would have a great car to start off with. Come to find out I was sold a lemon because within the first two days I was hearing bad noises, had missing lug nuts and wasnt sold what I was promised. Not to mention I was taken advantage of been as though I was told we where checking the range of cars depending on price and I made it clear I was not there to purchase but look and needed to know what I could afford and ended up finding out through credit karma that a hard inquiry was ran. Then I was told to say false info by sales person XXXX such as to finance company that I had test drove a car I didnt even see. At that point I asked to trade in car by Sat XX/XX/XXXX when the engine light came on but XXXX told me hed be able to do it Monday but the car wouldnt start Monday. Due to key battery or car so I was then told that I didnt have all the necessary insurances GAP when it was time to trade in car which definitely rubbed me the wrong way because when I asked questions I was ensured everything would be ok but not guaranteed like they tried to give me the run around and been as though there was no regard for my life which I expressed. I was then given a refund and told that whether trading in or refunding they would be able to remove hard inquiries which I had no idea about until it was done. I found out that was false after multiple times of trying to notify authorized parties such as insurance etc that they couldnt do anything and that I could possibly have hard inquiries that could possibly affect me short term and long term because of this bad deal I was trying to avoid since I was able to have credit just to start and build my credit and life. And this could be a major setback or even worse. I have videos and photos of the vehicles issues its a XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX,
Product: Checking or savings account

I noticed there were charges that werent authorized through my email. The charges are from the company XXXX and grubhub for the total amount of {$1500.00} Both transactions were done in different states. New Jersey and New York. Im located in XXXX as well as all of my other card transaction. I pointed out the fact that fan duel even provides the location of the trans action as well as an identification needed to make a fan duel transaction. Neither are linked to me. I also mentioned that XXXX has no records of me placing bets with my identification. I cant be XXXX places at once. Also I have no connection with grub hub which can also be verified.
Product: Checking or savings account

To whom it may concern, On XXXX, a Levy was placed with the state of RI for {$1200.00}. I was charged {$120.00} legal fee. I am aware that in the disclosure that Bank of America charges for legal orders. What I am disputing is the fact the state did not have the authority to do so as I have an order from a Judge stating my payments for this matter were satisfactory and not in danger of a levy. I have worked it out with the state on XXXX and they are removing the levy. I am asking the {$120.00} legal fee be reimbursed in this case as it was a state error. They said it will take up to 3 days to remove it. If there is no chance for reimbursement, Id like to be contacted in order to close my account. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This investigation is still open under case file number XXXX. I have been patiently waiting for both XXXX and XXXX to delete the fraudulent hard inquiries that appear on their profile. I am attaching letters received from the businesses involved that absolve me from these fraudulent applications for credit or services. I did not apply or solicited these credit and they should be removed as soon as possible. have made numerous dispute initiative to both XXXX and XXXX to remove these inquiries.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. Account Name XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I've been in contact with Cash App since this has occurred since XX/XX/XXXX. I've heard nothing back from them. They owe me over {$2000.00} at least {$2100.00}. I've called every single day. Maybe 5 times a day just for them to tell me that they can't help me that I need to speak with somebody in chat. I've spoke with people in chat and they told me they could not help me. I need to call. I just keep going back-and-forth with these people and they will not verified me. They are refusing to verify me just so they can keep my money. They won't discuss anything with me. They won't help me whatsoever. I just want my money and I'll close my account. I don't even like Cash App.
Product: Mortgage

XX/XX/XXXX a request for a satisfaction of mortgage from Wells Fargo Financial a division of Wells Fargo Bank was requested and forwarded to their research department as the original lien was filed XX/XX/XXXX in the amount of {$66000.00}, document number XXXX, and a mortgage in the amount of {$98000.00}, document number XXXX was filed on XX/XX/XXXX. These were paid off with a refinance of a loan through XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$180000.00}, document number XXXX. The document number XXXX in the amount of {$98000.00} was satisfied with the Satisfaction document number XXXX on XX/XX/XXXX, however ; loan in the amount of {$66000.00}, document number XXXX was never satisfied with the county recorder. I sent them the original mortgage document and the refinance mortgage document along with a copy of my certificate of title showing the dates and document numbers. They have no contact person to speak to and the only contact is with a fax machine that you send your documents to. I have heard nothing and am anxiously wanting a loan to put in new windows and I also need to provide the information to my new lender from my refinance who their title company somehow missed this in their review. I am stuck in the middle of a bad situation.
Product: Credit reporting or other personal consumer reports

Midland Credit Management and also XXXX XXXX XXXX companies are both third party debt collector.. I have ask for both companies to send me all document with original contract or signature or account accuracies.. 
Midland Credit Management has debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has account for {$580.00} open XXXX XXXX I have disputed these at least 3-4 time.. I just really need help and removing these items off my report..
Product: Credit reporting or other personal consumer reports

To whom it my concern upon checking my credit report ive noticed unauthorized inquiries. 
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/year>
Product: Prepaid card

Hello, I contacted direct express back in XXXXXXXX XXXX XXXX  about a purchase on my account thats wasnt me nor authorized by me. They gave me a temporary credit until they went into my account and took the money back out my account and was told that the company has time to send in any evidence or facts of it being my purchase. I was given a date that I would receive my funds back to my card which was suppose to been XX/XX/XXXX but instead I was told that my information came back from the merchant, I requested those documents by emails which took direct express 3 weeks to send after requesting the documents twice. Once I seen the documents it had none of my information for purchase just my address. I also contacted the merchant that charged my account and was took that none of my information is in their system and that my card is not on their file but I was charged from that company. Direct express has poorly investigated the fraud on the investigation made his own discretion to not reverse my fund back into my account because of what he personally feels not because the company gave them actual facts of my making the purchase. I already have a police repost for identity fraud on a person I believe maybe took funds for my account. They refuse to return my money without a good explanation. Next step lawsuit with all my evidence that I have to clear my name but I will like to resolve this matter without the extra leg work.
Product: Credit reporting, credit repair services, or other personal consumer reports

the consumer reporting agencies have been put on notice that they are reporting inaccurate information and refuse to delete claiming to have verified the information. they claim to have validated the information using statements and consumer credit contracts. they have never validated the alleged debt and are pursuing to attempt to collect a debt that has not been validated. 
the attachments are of my most recent credit reports which show that XXXX has deleted the account that I am asking to be validated not reinvestigated, yet XXXX and Experian are in blatant disregard of there obligation to report accurate credit information pursuant to the FCRA. The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j
Product: Money transfer, virtual currency, or money service

I contacted Wells Fargo around XX/XX/2022 regarding a XXXX payment made where I did not receive the product/goods I paid for. I paid {$160.00} for XXXX XXXX tickets and did not receive the tickets. The person kept stalling and then asked for more money so I asked for the {$160.00} back. I have screenshots asking for money back. I was told that there was nothing WF could do. The complaint was referred to a special team and I was told I would be contacted in 10 days and I called them. They did not contact me, return any calls and all of a sudden I receive another letter stating the matter was closed. I requested the documents used to make the decision and was told I would receive in 30 days and to date I have not received anything. The case manager was XXXX XXXX, claim number XXXX, i was also given another claim number of XXXX on XX/XX/2022. I still have not spoken to XXXX, she never contacted me and did not return my call. XXXX, extension XXXX
Product: Money transfer, virtual currency, or money service

My Cash app was taken, and they gave me no reason why the money I had on my Cash app was also taken
Product: Debt collection

I was unaware of a debt owed by XXXX XXXX XXXX XXXX  until I checked my credit report and saw there was a collection on my account. I had no knowledge of this debt and was never sent or notified in any capacity that there was a debt owed to this XXXX  When I reached out to the debt collector. I requested the following from the debt collector : A detailed account statement showing the amount owed, including any interest or fees accrued. The original creditor 's name and contact information. Any contracts or agreements that establish my obligation to pay this debt. Verification of the account 's validity and verification of your agency 's authority to collect on it. My HIPPA release form allowing you specifically to access any medical records in regards to the person associated with this debt The debt collector replied with just 1 statement ( no contracts, no HIPPA, no interest or fees owed ) and I noticed that the billing date was a year later after the alleged services were provided. I have no records confirming any of these are accurate. I requested the collector to provide the following within 30 days to validate this debt : An explanation for the extremely delayed billing date. 
Proof that the original bill was sent to me in a timely manner. 

He said : " I am not required to provide the last two things you asked for. '' I am not sure how someone can collect on something that they themselves have no proof the original debt was ever sent to me or I was notified according to the laws in Texas. It is also a medical debt and XXXX was paid out by the insurance companies for their portion within the 30 days. I also paid the difference at the time of when my kids went in of over {$900.00}. Since I paid, I had no idea I owed anything for just a XXXX XXXX. My dates vs the dates on the statement provided and the services rendered do not match my records at all. I also was never notified there was any balance due until the debt collector sent the statement. The billing date ( which I can provide ) has over a year later to bill to me. 

In summary : XXXX XXXXXXXX XXXX Rendered : According to the statement provided by the debt collector : Services were provided by XXXX XXXX XXXX XXXX between XX/XX/XXXX, and XX/XX/XXXX. 

Insurance Payment : My insurance company paid their portion of the charges within 30 days of the claim. 

Delayed Billing : I did not receive a bill for the remaining balance.The billing date on the statement provided by the debt collector is XX/XX/XXXX, which is highly irregular and violates timely billing practices expected in medical billing. 

Lack of Notification : I never received any prior bill or notification for the {$760.00} charge before it was sent to collections. 

Invalid Credit Reporting : The collection agency reported the debt without providing proof that the bill was ever sent to me, negatively impacting my credit score.

Consumer Rights Violations : The collection agency 's actions and the delayed billing have violated my consumer rights, and I seek corrective actions and a resolution to this issue.
Product: Credit card or prepaid card

First opened a case with Chase Travel on XX/XX/, to request a refund for a flight cancellation. I worked with an agent who promised he will look into cancelling the flight and refunding the account for the remaining amount. After many and long holds, he eventually said he will reach out to the airline first for the reimbursement. Then he said he will return the call once its resolved. 

I waited two days and called back on XX/XX/XXXX  since I have yet to hear back from Chase Travel or XXXX XXXX XXXX. The Chase Travel agent had me go through explaining the issue again and said that XXXX XXXX has not responded. When I called XXXX XXXX directly, the agent there said the issue has to be resolved with the credit card company. Chase Travel put me on hold again and said they will call back once the issue is resolved. 

I again, waited for Chase Travel to call me back with the confirmation with the refund. However they never did so I called to follow up on XX/XX/2023. The agent had me explain the problem again. He mentioned Chase will reach out to confirm when the refund is confirmed. However, I asked him to resolve the issue immediately or send a confirmation email that this is taking place. He refused to send me any confirmation. I insisted he escalate this issue. After a long hold, he responded there will be a refund issued to my account. 

After few weeks of not having and refund reflected on my account. I called back on XX/XX/. The representative had me explain the problem and it was back to square one. With empty promises of refunds reaching my account " soon '' or in " few business days '', I no longer have any confidence in Chase Travel support they will do right with the customer. The agent there continues to make empty promises without any evidence. I have yet to receive any refund for a cancellation request from weeks ago.
Product: Student loan

Lender is XXXX XXXX servicing a XXXX XXXX. 

Lender website only indicated that I owed {$510.00}, but lender reported to all credit reporting agencies that I owed the total amount of the loan ( just under {$12000.00} XXXX. However, this loan was actually paid off in full when I refinanced at the end of last year. I received a letter from the new lender ( under which I refinanced my loan ) on XX/XX/2020 indicating that payoffs have been sent to University Accounting Service , LLC ( UAS Connect ). Despite this, the loan servicer reported that I was 30-59 days late on my XXXX loan payment. Furthermore, the loan servicer reported that not only was a regular payment due, but that the total principal of the loan was the amount due in XXXX. This severely impacted my XXXXredit score. After noticing this on my credit score, I went to the website and noticed that the only amount the servicer would allow me to pay off was {$510.00}. I paid this off in order to resolve the credit issue. Shortly after paying this off, I received a notification that I was actually owed {$510.00}, despite the fact that my {$510.00} payment was made in accordance with what UAS Connect indicated to me was the total amount due at that moment. 

It is entirely unacceptable that a loan servicer would behave in such a disorganized manner, especially when their disorganization directly impacts my credit score. My payment history attests to the fact that I had been making payments on time consistently until UAS Connect 's mixup in XXXX. UAS Connect 's incorrect reporting caused my credit score to drop 48 points. 

I was forced to file disputes with all three major credit bureaus regarding the loan amount. Apparently, UAS Connect had not even changed the status of my account for the past few months, despite my refinancer sending the payoff in late XXXX. Upon receiving my dispute, UAS updated the status of the account but did nothing to alter negative remarks to the credit score. 

This is a clear violation of Section 623 of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Someone did fraud with my credit. They even got unemployment funds in the amount of XXXX when I was in XXXX All of this is holding me up from getting an apartment so I dont have to sleep in my car. I need all these items deleted so I can move on with my life and be a XXXX  to my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed XXXX, Equifax, and XXXX to investigate false and misleading information they are reporting to my consumer report.I need proof that an investigation was done. I asked for YOU to provide me with the following information. Who validated the alleged debt, time and date the investigation took place. and all evidence of alleged debt. I would like to the name and address of the original credit. They have fail to provide me with any proof that I owe the alleged debt.