23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX have a serious complaint to post with the Consumer Financial Protection Bureau ( CFPB ). A debt collection agency known as Consolidated Recovery Group has posted a collection against my personal credit reports, when all of the charges were posted with XXXX XXXX XXXX through a corporation known as XXXX XXXX XXXX. I have no ownership with this corporation, I am just the bookkeeper/secretary. However, there was never a personal responsibility agreement with XXXX XXXX XXXX from XXXX XXXX. The only agreement was with XXXX XXXX XXXX. In addition, my understanding was that several payments were made from a former client with multiple stolen credit cards. It took a great deal of time for these cards to be reversed from stolen identity theft. That is not a responsibility from XXXX XXXX, an individual with a bookkeeping position. Consolidated Recovery Group has by posting a collection to a non-responsibility individual, working for a Massachusetts Corporation. They are in serious violation of my rights under the Fair Debt Collection Practices Act. By connecting this debt to me personally, they are essentially developing a phantom debt to me personally, whereas the stolen use of credit is a federal crime and should be filed with the Federal Bureau of Investigation. Consolidated Recovery Group is in violation of their subscriber agreement with all three major credit bureaus, XXXX XXXX  and XXXX XXXX Respectively. Accordingly, I demand that this collection that shows an original balance of {$54000.00}, now shown as {$100000.00} be deleted immediately. This collection process is highly illegal and must be discarded, purged from all of my credit reports, and returned from Consolidated Recovery Group to XXXX XXXX XXXX. This debt posting is causing severe damage to my overall creditworthiness. DELETE THIS ACCOUNT PERMANENTLY!!! 
XXXX XXXX
Product: Debt collection

Collins Asset Group , LLC never sent me notification of this alleged debt until after I reached out to them in the form of a dispute. I saw a negative entry by this company on my credit reports in XX/XX/2018. This company claims I owe {$10000.00} to XXXX XXXX XXXX ( TX ). I wrote them a letter of dispute and also notified XXXX and XXXX of the erroneous mistake. Collins Asset Group did not remove the negative mark on my credit reports and in fact, told the credit bureaus this was a valid debt. I then reached out to the alleged original creditor and spoke to the owner of XXXX XXXX XXXX, Mr. XXXX XXXX XXXX. He told me that he has no knowledge of Collins Asset Group and he never hired them to pursue me because, I do not owe him any money. I received a letter dated XX/XX/2018 from this company and I decided to pay a visit to XXXX XXXX XXXX and to show them the letter as proof this company claims I owed them money on XX/XX/2018. Mr. XXXX immediately said this is not accurate and proceeded to call the phone number from the letter ( XXXX ) XXXX. A female named XXXX refused to talk to Mr. XXXX calling him a third party and that she needed my permission to speak with him. When I took the phone to give her permission to speak to the owner they claimed is the original creditor, she then refused to talk to me as well. I asked for a manager and was told none was available and that I need to once again, put my dispute I writing. Mr. XXXX, just a frustrated as I was offered to help by writing the enclosed letter and asked me to attach his business card for verification. Im in need of assistance and would like this company to stop pursuing me and remove this negative mark from my credit reports. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I have had this loan since the early XXXX ( see attached documents ) for about 40 years. I and only have 90 credits. Half are the credits, I founded out later, will not apply to a business degree. I am owing XXXX {$25.00}, XXXX, plus FedLoan {$49000.00}, which is a total of {$74000.00}. 

I believe that I was subjected to confusing advertising, marketing, high pressure sales tactics, financial aid services deception, and misguided counselors. Presently, I am a XXXX year old and as a senior, is going through much hardship. I loss my job because of the Covid19 virus, after contacting the virus. It has been 10 weeks since I applied for  unemployment in XXXX. I am still waiting to receive my unemployment compensation. 
This loan have been a heavy burden and a hardship on my credit report and livelihood. I am requesting that the loan payment be terminated.
Product: Checking or savings account

My Account Balance From XX/XX/2022 Through XX/XX/2022 Is NOT Accurate After My Spending For Those Months..I Have Spoken With Bank Of America Customer Service Including Supervisors Over 50 Times And I havent Got Any Answers To Why Isnt My Money In My Account Over Half Of Customers Service Say They Cant See My Spending And Budgeting.. And The Rest Of Customer Service Reps Say They Can See Can See Whats Suppose To Be In My Account But They Dont Have Access To See Where My Money Went On XX/XX/XXXX, I Spoke With A Supervisor And She Put A Claim To Digital Banking I Have A Claim But They Claim At..I Suppose To Balance Of {$7100.00} For XX/XX/2022 And XXXX XXXX A Total Of {$13000.00} For A 9Month Total..Please Help Me Get My Money Back..I Emailed The BofA Team And No Response..The Blue Pictures Are Questions And Answers I Asked XXXX From Online Banking..
Product: Credit reporting or other personal consumer reports

these accounts are fraud. 

XXXX XXXX  # XXXX BALANCE {$430.00} XXXX XXXX XXXX # XXXX BALANCE {$430.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$15000.00} XXXX XXXX # XXXX BALANCE {$1500.00}
Product: Credit reporting or other personal consumer reports

Inquiries not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE THESE ACCCOUNATS XXXX XXXX XXXX Date Opened ( XX/XX/XXXX ) XXXX XXXX Date Opened ( XX/XX/XXXX ) XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX Date Opened ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Bank XXXX XXXX Account # XXXX, has violated my rights. 

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. 

Furthermore, Bank XXXX XXXX is reporting conflicting information on my report. In the Additional Information Section it states, " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$5500.00} ; '' however, they are reporting an amount due of {$9900.00} as of XX/XX/XXXX. Please review the attachment as confirmation of these facts.
Product: Student loan

This complaint is against Wells Fargo. Student loans came due, I was constantly harassed by phone calls requesting payment. I repeatedly asked for payments to be lowered, asked for detailed payment information which I never received. My parents submitted paperwork to have payments lowered and was never contacted back with an answer. I was hit with late fees for months. I still inquired about a detailed report to see interest accrued and never received.
Product: Payday loan

I got this loan to help get my car fixed. I borrowed XXXX and it was told to me that I would be paying monthly and now they say I am paying every two weeks with this intrest rate of 533.7084 % and I was told that this is illegal and now by the time I am done I will be paying them XXXX aleast that what this paper say, but after trying to figure it all out I will be paying XXXX. I feel that I am not getting treated wrong and not sure what to do about this. I do not have that kind of money to pay XXXX every two weeks, because I do not make that much money. I only bring maybe XXXX home every two weeks. Plus I have XXXX kids and granddaughter living with me. Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a notarized affidavit to XXXX 's by certified mail number XXXX and it was delivered on XX/XX/2023 ; Capital XXXX tracking number XXXX delivered XX/XX/2023 ; XXXX XXXX tracking number XXXX delivered on XX/XX/2023 ; US Bank as well as XXXX informing them that I never provided consent allowing them to share my personal information and that is identify theft. I also provided the companies with a copy of the FTC report filed stating this information. The companies have failed to respond or even provide proof of my consent.
Product: Money transfer, virtual currency, or money service

I have been scammed with money transfer through XXXX, XXXX, and 1-time transaction XXXX. XX/XX/XXXX XXXX and XXXX through XXXX. XX/XX/XXXX XXXX and XXXX through XXXX XXXX. XX/XX/XXXX {$50.00} through XXXX. XX/XX/XXXX, XXXX, XX/XX/XXXX with XXXX each which sums up {$410.00}. The merchant 's name was XXXX XXXX XXXX in the XXXX associated with XXXX XXXX that's part of the scam.

The company is Money network XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX and Equifax are reporting incorrect information on my credit report from XXXX XXXX XXXX. 
I was not under a contract for the period in which XXXX is claiming.
Product: Mortgage

I refinanced my VA loan in XXXX. The servicing was transferred to New Rez/Shellpoint. For some reason, New Rez did not send my monthly condo insurance premiums to XXXX XXXX XXXX my longtime insurer ) until XXXX. I had not idea this was happening, or not happening I should say. By the time New Rez finally sent a check for the premium, XXXX XXXX had cancelled the policy, and now New Rez is claiming I owe them for expensive force-placed insurance. Another wrinkle : In XXXX, a water pipe burst inside my condo, causing tens of thousands of dollars in damage. The condo association policy covered much of the damage, but I owe a {$10000.00} deductible. XXXX XXXX is refusing to pay the claim since they claim a policy was not in effect at the time and New Rez has not responded to my requests that they pay the claim since they were at fault for a policy not being in effect. I would appreciate any help you can provide. I am happy to provide the address of my condo and the loan number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent accounts and unauthorized inquiries from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Closed : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$850.00} Unauthorized Inquiries : XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Debt collection

Company that 's reporting to my credit file under false/unlicensed name. In my credit file it shows as " Campus Partners ''. However, this particular company does n't exist or registered any state. After some digging I found out they are registered as XXXX XXXX XXXX. 

The problem is this particular company does n't respond to any of letters I 've sent to prove the Debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I wrote to Transunion requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from Transunion or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I wrote again and requested a reply within a reasonable amount of time. 
Transunion is not holding up to the law by not responding with my investigation results within a reasonable time. It has been well over Two Months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have challenged several inaccurate and false accounts on my Equifax credit report. However, they have failed to properly, legally and transparently investigate these accounts which are damaging to my reputation. I hereby ask the CFPB to ensure Equifax deletes these accounts after any re-investigation which must be completed within 30 days or less. Below I have attached the most recent challenge letter I sent to Equifax about these accounts to aid their deletion.
Product: Prepaid card

I have been a XXXX holder for 7 years. Right now I ca n't access my account to pay for medication for my daughter who has a very serious illness. This is so unfair and XXXX should be working to get there customers there money. They can somehow have customers go into any bank to get a cash advance. My daughter also has XXXX. My grandson has a condition where a XXXX. She ca n't get access to her last deposit to get his medications or pay his co pay to see the Dr. XXXX customers need there money ASAP and now it 's impossible to even contact them. Something needs to be done because my daughter and XXXX year old grandson needs that money. Please my family is suffering right now and it seems like no one cares.
Product: Credit card or prepaid card

Hi, On or around XX/XX/2018, I purchased a roundtrip airline ticket from XXXX XXXX to XXXX, XXXX, for {$390.00} The first half of the trip was fine. 

During the second half of the trip, I showed up to the XXXX airport an hour and a half ahead of the flight. I arrived at the single XXXX desk 1 hour and 15 minutes before the flight, to get a printout of the boarding pass. The desk was unattended. The employee had already left. At 1 hour before the flight, the desk was reassigned to another airline, and the airport refused to let me speak with a XXXX XXXX employee. 

I filed a complaint, and XXXX admitted to the wrongdoing and the negligence and offered {$50.00} to fix it. I said " NO, the flight is worth {$200.00} '', signed nothing, and left. 

I fixed the situation by paying {$800.00} for the replacement flight. 

Arriving back in the states, I filed a complaint with Chase bank. They refused to help, saying that since XXXX XXXX fulfilled half the ticket, they didn't have to refund the money. Since they have arbitration authority, they don't have to do anything, they said.

This is wrong. The contract I have with Chase bank specifically states protection against internet purchases and online fraud. Fraud is negligence, in this case. This was an online internet purchase, and Chase refused to not charge me on behalf of the merchant.

I've since closed all my accounts with Chase, and would like to move forward with further litigation against both parties. The CFPB was created for exactly this kind of abuse. Please do what you do, and punish the parties involved. I can provide whatever evidence is required. The airport also investigated, and found the airline to be negligent. 

I spoke with the airport officials at XXXX XXXX XXXX in XXXX, and they stated that there is a pattern of misbehavior from XXXX XXXX, and there is a constant stream of similar complaints.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

If you call Experian to attempt to have your credit freeze canceled or stop temporarily, you can not do so. The website does not work. No one will answer the phone all of the information they provide you does not work. Password does not work. You can not reset your password. You not can not create a new account because you already have an account. You can call back XXXX different times and you still can not talk to any person. I called XXXX. I can not reset my password because no one answers the phone. They just want to give you the information that doesnt work. I also called XXXX. It wont matter how many times you there is no one to help you and you can not reset your password without assistance, and there is no assistance. Therefore, your credit free can not be temporary lifted.
Product: Payday loan, title loan, or personal loan

Yes I bought a 2018 XXXX XXXX XXXX weeks ago and decided to pay it off. I sent them a certified bank check for XXXX XXXX plus still have not applied my payment or reported it to credit bureaus or sent me my title. Didnt even apply my payment to my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$6800.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5500.00}. 

XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$20000.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$100.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1800.00}. The original creditor is XXXX XXXX XXXX XXXX 

XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5900.00}. 

XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I could not apply for a home loan because of the negative items I have on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally is saying that i have multiple payments missing from 30-90 days past due. My payment was not past due, I made what they call an " extension '' to change payment times. every time in my requests there representatives in the calls were always assuring about the effects of the request. never was there a mention of a late payment resulting in the process. Now im even experiencing my account payments being at there competition, while the company is still seeing to mark my account as such. even going as far as to reporting i have {$11.00} remaining to pay on my account.
Product: Credit reporting or other personal consumer reports

I received a notification from XXXX XXXX between XXXX XXXX and XX/XX/year> an inquiry made by XXXX was added to your credit report ; however, I have not applied for a new line of credit or given consent for my credit to be ran.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- XX/XX/XXXX showing 2 accts XXXX XXXXXXXX was originator - Complaints also filed with the XXXX and Texas Atty General - XXXX States that XXXX  in a letter /reply that this could be a HARDSHIP? 
Where they got this I will never now - I am worth CASH XXXX XXXX at XXXX XXXX XXXX has NOT responded to my ceritified mail XXXX was notified by writing and by phone - I demanded any and all documents - NOTHING via internet /mail or verbal XXXX XXXX XXXX - reporting 2 medical charge offs - I demanded written proof - I supplied them with documentation from XXXX XXXX XXXX XXXX - XXXX states there was NO DENIED CLAIMS all PAID IN FULL* I paid all deductibles at time of service or obviously they would not perform medical services * Conns Is reporting 2 accts paid and 3 accounts NOT paid in XXXX - I have NO accounts that are not paid from XXXX- XXXX  States they do not report anything over 4 year old yet they are on all 3 credit bureaus
Product: Credit reporting or other personal consumer reports

In my recent credit report, Experian has incorrect crucial information about me. For instance, they have two social security numbers, and one of them does not belong to me. Additionally, there are 10 different names associated with my profile, and only one is correct. This is impacting my credit to the extent that a collection company called XXXX XXXX XXXX is demanding payment for an account that does not belong to me. 

The social security number ending in XXXX appears to belong to my deceased father, named XXXX XXXX XXXX. My name is XXXX XXXX XXXX XXXX, and my social security number ends in XXXX. 

Attached is my credit report with the incorrect details highlighted in red.
Product: Debt collection

AFNI has ruined my credit by placing a debt on my credit report which has gone into collections. The original debt was for XXXX XXXX, which I have never owned. The debt on my credit report give as little information as possible except that I owe {$75.00} I called XXXX to confirm the original debt and they could not find any information on me by my personal information. I looked online and AFNI has has a history of listing invalid debts on people 's credit report.