23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A company with the name of Credit Collection Services ( CCS ), web address of XXXX is claiming that a delinquent account from XXXX XXXX XXXX has been sent to them for collections in the amount of {$270.00} and has been reported to the credit bureaus. They give me the option to pay in full and have the issue resolved. 

The problem is that I am current with my cable and internet ( in fact, I am using it to send this complaint XXXX and XXXX XXXX has not sent me to collections. Credit Collection Services can not provide an account number or any proof that I owe a debt other than reiterating that I owe it and my credit is harmed by not paying it. 

I have not received prior collection attempts from them or anyone else warning that I would be reported. I just suddenly received this letter that I already have been reported, but can repair my credit by paying them. The only option is to pay in full. There is no option for them to even prove the debt. 

Although they provide no account number, they provide a PIN number which is conveniently my zip code. 

Doing a brief web search, it is clear this company repeats this pattern on a regular basis. 

( Please give an extra option in the above drop down window. It is n't so much an attempt to collect a debt that is n't mine as much as it is an attempt to collect a debt that simply does n't exist. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had multiple loans with XXXX in which I have paid multiple loans off in full. I will attach all paid off letters directly from XXXX validating this. I had XXXX, followed by the XXXX in XXXX XXXX. I got behind on all payments and all of my accounts indicated that if you had XXXX they offered various types of relief. I wasnt able to get any relief but as soon as I returned to work I paid off account after account and now my remaining two accounts are current, one was sent to collection as charged off which will be paid next week also in full. I filed a dispute with Experian to update the account on my credit to paid as agreed and it was denied. I tried contacting XXXX they wont respond. I want the paid off loans updated on all my credit reports. This is impacting my credit score greatly affecting my ability to access credit or buy a home as I am trying to do currently.
Product: Credit reporting or other personal consumer reports

On XX/XX/2019 a fraudulent charge was incurred on my credit report from XXXX XXXX XXXX XXXX  attempts to have the charges removed failed. My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Student loan

I went through Ameritech Financial to pay off my student loans and to receive a debt forgiveness. They have been taking a XXXX $ payment each month from my checking account for the past 4 years. I was only suppose to pay for 2 years. Now I have a loan company called XXXX XXXX who reported me to collections because I haven't paid my loan. I have no idea where my money went for the past 4 years and what's going on.
Product: Debt collection

I left XXXX 13 years ago, homeless. I am receiving XXXX calls a day from Portfolio Recovery, they use about XXXX phone numbers. Never telling me what they want. I let them go to voicemail. Not XXXX message left. Its becoming harrasment. I m on disablility. I want them to leave me alone. I had a credit card with a balance, but I dont know if im correct...... .The state of Illinois statue XXXX limitations is 10 years. It looks like my debt was bought out by this company.
Product: Credit reporting or other personal consumer reports

as a consumer I have a right to privacy and this company has violated and prevented me from getting a job and joining the navy. pursuant to 15 USC 1692 ( a ) as a consumer I have a right to privacy. when my back ground was run this right was violated and henceforth I received adverse action from a potential employer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer finacial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to say i have live in the apartment XXXX for over 12 years from government help to being upgraded to a market rate. They have had change in managers and director the last two years i was there due to money stealing and bad conduct. But on XX/XX/XXXX thou XXXX XXXX. i reach out to XXXX/XXXX/XXXX plus natinal credit. 2 creditor have removed and XXXX is refusing. I spoke with Ms XXXX told her why i was disputing debt and sent my proof. I also went to XXXX XXXX spoke with agent who stated she was able to confirm debt due to nothing in system for damages and rent was owe from previous year for two months. I stated if i owe balance which is back rent and no pymt plan was set up and if so why would renew lease and i would be able to stay months after to a current year. I also seen reapir man that showed me apartment and nothing has changed or damaged and i sent thise pictuse to national credit ms . XXXX. Second my son was pick up on mistaken identity and lock up. Just finish school and worked at XXXX XXXX was gone for two weeks. They put camera to monitor area and would give police taoe to show my son just walking into complex at time of crime and nowhere by crime. Someone was killed outside my door. also they gave letter stating how they was gone rebuild patking area and we would have to relocate.. So i moved my family. I have been gone over 2 years why wouldnt if owe i should have been notified sooner. But in order for me to move in home im in i had a walk through so they can see how you live. If that didnt pass and damage of property i would be in home im in now.
Product: Debt collection

Equifax committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability. I have provided information over 5 times in reference to XXXX XXXX. It has been well OVER 365 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate, unauthorized consent and privacy information on my consumer report. They have violated my privacy with unfairness and inaccurate information. I'm not filing for a dispute, I'm demanding that this information be removed from my consumer report. 

The inaccurate and unauthorized consent things that are listed on my Equifax account are : 1. Employee information I do not work for XXXX XXXX XXXX. 
2. Address ; My address is XXXX XXXX XXXX XXXX, Georgia XXXX. 
XXXX. The credit card information that is on my file with Equifax is not authorized and not accurate please remove XXXXXXXX XXXX date XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXXXXXXXXXX  XX/XX/XXXX -XXXX/XXXX  's XX/XX/XXXX XXXX XX/XX/XXXX XXXX 'XXXX  / XXXX XXXX XX/XX/XXXX XXXX 
4. The loans that are listed on my account are in accurate and unauthorized ; - XXXX XXXX  XX/XX/XXXX in the amount of XXXX is inaccurate. 
-XXXX XXXX XXXX  5. Hard Inquiries is in accurate and not authorized to be reported ; - Equifax mortgage Services XX/XX/XXXX XXXX services XX/XX/XXXX -XXXX XX/XX/XXXX. 
6. Collections that are on my account for dates XX/XX/XXXX or an accurate and incorrect
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection. ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and 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: Payday loan, title loan, or personal loan

i have a payday loan that is due on XX/XX/18. 

I called this company on XX/XX/18 to pay the loan off in full and they tell i can not pay the loan off. They advise that i have to wait until they process my payment on XX/XX/18 then call back and then i will be able to pay off. 

this is ripping the customer off as i will be charged a double interest amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below companies have violated my rights. 

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 XXXXXXXX 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 an account without my written instructions
Product: Mortgage

I filed for bankruptcy in 2014 I started off at a chapter XXXX, ended up doing a XXXX ( attorney suggested ) while in chapter XXXX now I had n't paid mortgagebecause it started as XXXX so was behind. While in XXXX I asked for modification from lender in XXXX 2014, as soon as decided to do a XXXX. In XXXX of 2014 my chapter XXXX was dismissed. But in modification process. Received foreclosure papers in XXXX while in modification. Received sheriff sale notice not long after. Still have not received decision on modification. They r still asking for documents to be sent by XXXX XXXX when my sheriff sale is XXXX XXXX. Very confused and stressed
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the Account of XXXX XXXX with Equifax more than 4 times requesting to see verification that I owe this debt. They have failed to do so. All that I receive back from them is a credit report that shows validated. To my knowledge I have never opened an account with XXXX XXXX and I would like for Equifax to validate this account with a person and out the use of XXXX or any other automated validation systems and validate that they have the original signed contract for this account. 

Equifax has violated my rights because they have not produced a signed contract or any other contractual obligation that binds me to pay XXXX XXXX. The misreporting of this account is affecting my quality of life because I am not able to attain credit due to the severity of this account.
Product: Debt collection

Credit card company turned off my ability to pay and I was not able to get them to turn it back on. After XXXX missed payments, they closed my account and I was sent to collections. I received a letter from a collections agency that stated a settlement offer. If I paid half of the amount due, the credit card company would forgive the other half. The letter stated the settlement was an option for the entire length of time that the collections agency serviced my account. I paid the 50 % to the collections agency and thought I was done with this debt. However, a few months later, I was checking my credit and the half amount was still showing as due. I called the collections agency and they told me that the credit card company had requested my account back. Since the collections agency no longer had my account, they apologetically let me know that there was nothing they were able to do. I called the credit card company and asked why the debt was still there if I paid the settlement, and the representative said it was not marked as a settlement. They said they would request the information from the collections agency and get the debt removed. Another couple months go by and I get a letter from the credit card company to open a credit card with the balance of my debt as the credit limit. I call the credit card company again and ask why my debt was not removed. The representative was extremely rude on the phone and went as far to say " what do you want me to do about it. '' I paid the collections agency in XXXX of 2015 and the credit card company requested my account back in XXXX of 2015. I have not been able to get the credit card company to assist me. The credit card company has sent me to another collections agency, which I already claimed a dispute against the debt. 

I have proof of the settlement agreement and proof of payment to the collections agency.
Product: Checking or savings account

sir, this is the second time i am submitting this complaint. previous complaint on this issue brings no reply from bank. i filed the previous complaint when i was in immigration custody. following is my new mailing address. 

( 1 ) : Dear CFPB. I am a victim of a fraud by Bank of West and I need your help. The details are as follows. I had a checking account with this bank. Account number XXXX. In 2012 a perpetrator made withdrawals from my account using debit card for a total of around {$6000.00}. see attached, which is a copy of bank statement. When I discovered, I filed a claim and submitted the paperwork. The bank was slow, very slow. I had a heated argument in the branch because I need the money for my business and bank did not provide provisional credit. 

( 2 ) : In retaliation, the manager closed my account. notifying me that my account is closed on XX/XX/2012. After closing the account, they completed the investigation regarding the withdraws and concluded in my favor and issued a cashier check of {$6000.00} see attached which is a letter from bank notifying me that a cashiers check is issued ( not mailed ). 

( 3 ) : Either way, I kept waiting for a year and keep calling the helpline. It took me 25 minutes to get hold someone and another 35 minutes to explain and seek issue for the cashiers check. 

( 4 ) : After numerous calls, I received a cashier check of {$43.00} which was a joke and as a protest I never cashed it. I am deprived of my hard earned money. Please help I appreciate. 

XXXX XXXX XXXX  # XXXX , XXXX # XXXX, XXXX  " XXXX  '' XXXX, XXXX XXXX XXXX XXXX, XXXX cell : ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be remove. 

1. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

2. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine.
Product: Checking or savings account

I was told there will be an account closure on XXXX XXXX. I was suppose to be paid XX/XX/year> XXXX from the XXXX. Chase claims they sent a letter of notice which I did not receive. I expressed that. I asked will I be able to transfer my funds, she said no we will send a check on the day of XXXX ( XXXX XXXX ). I called my XXXX  pay system to notify for an account change and issue. The XXXX pay system was waiting for the funds to be pushed back to them to chase supervisor saying the account will be closed and no funds can enter or exit the checking account. I called today XXXX XXXX about the same issue and was told the account closure is now XXXX XXXX instead which means they will send a check by XXXX. I am unable to pay rent and my car note due to the lack of education with the chase supervisors and employees. I was hung up on and disrespected.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, I have been unable to access my credit report by logging into my Experian account. Every time I log in to my Experian account or use XXXX  I get the error code " Unscorable '' or " You no longer have a FICO Score ''. I have contacted Experian multiple times and have filed a past complaint to Experian through the CFPB. Experian improperly closed the case without actually resolving or responding to my issue.
Product: Debt collection

XXXX XXXX XXXX, an XXXX XXXX XXXX, is attempting to solicit me for funds via PayPal after consuming a stay at my residence from XX/XX/XXXX through XX/XX/XXXX. As such, I provided the proscribed Homestay service to XXXX XXXX in addition to driving from XXXX XXXX to my residence upon occasion. Given this fact, there is no reason to refund any or all funds to XXXX XXXX as he used them in Good Faith and did not complain or any issues upon his vacating the premise. 

XXXX XXXX XXXXXXXX
Product: Credit card

On XX/XX/year>, through USPS Certified Mail with Return Receipt, I mailed a Negotiable Instrument as Tender of Payment by way of a United States Post Office Money Order Serial XXXX XXXX in the amount {$5000.00} with a provision for valuable consideration and Accord and Satisfaction upon redeeming the Instrument ( tracking number XXXX XXXX ; delivered and signed for on XX/XX/year> ). Just recently I mailed another Negotiable Instrument as Tender of Payment by way of a United States Post Office Money Order Serial Number XXXX in the amount {$5100.00} with a provision for valuable consideration and Accord and Satisfaction upon redeeming the Instrument ( tracking number XXXX ; delivered and signed for on XX/XX/year> ). 

My husband, XXXX XXXX filed a request for copies and receipts of the Money Orders from the General Accounting Branch of the United States Post Office by way of the Federal Reserve XXXX  so I have receipt ( s ) and copies from both the United States Postal Service and the Federal Reserve XXXX  stating the instruments were accepted and cashed and/or deposited by Synchrony Bank . 

Ive included proper instructions that the Money Orders/ Instruments were supposed to be specially deposited and not cashed like a regular a money order. Synchrony Bank employees were supposed to credit my account accordingly to balance the account and set off any alleged debt obligations instead they ignored the provisions, they ignored my instructions and cashed it as a regular payment and did not credit my account, accordingly. This is clearly Misappropriation of Funds/ payments, which can be considered a crime, specifically a felony. 

By way of my online account with Synchrony Bank include is a statement which shows how my account was credited only for the minimal payment of {$50.00} ( on XX/XX/year> ) and again for only {$83.00} on XX/XX/year>, while the provisions and written instructions clearly state the instruments are worth {$5000.00} and {$5100.00} or more. 

In summary, the Negotiable Instruments ( Money Orders as legal tender ) were deposited as instructed however, Synchrony Banks employees failed to credit my account in the amount of both {$5000.00} and {$5100.00} as instructed. Their neglect to properly handle my credit ( s ) has caused me financial hardship, pain and emotional distress. Theyve also shrank my credit card limit, which decreased both my buying power and my credit score as if they did not do enough damage.
Product: Payday loan, title loan, personal loan, or advance loan

I tried to do something XXXX, gave my banking information to this online company Albert for a loan. Never got approval for any cash they got my information of course I contacted them through email and text can't call of course to remove all of my information still waiting to hear back! I know it was my mistake but this companies need to be stopped!