23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

this company has hired a third party to collect a debt and refuses to accept payment. this company continues to play games in regards to debts owed. they don't accept payment and want me to pay a party that is not legally entitled to payment.
Product: Credit reporting or other personal consumer reports

Experian has done a false review for my credit report and is keeping accounts past the statute of limitations on my credit report illegally. I sent in a dispute for " XXXX XXXX '' account because the date of opening is XX/XX/year> it is well passed statute of limitations. Under 15 U.S.C. 1681c ( a ) ( 4 ) of the FCRA : Most negative items, such as late payments, charge-offs, and collections, must be removed from your credit report after 7 years from the date of the first delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent Transunion credit report I've notice that the following accounts are in fact inaccurate and therefore in Violation of FCRA rules section 1681. 

Account under the name : XXXX XXXX XXXX Violations ; Account does not report last date of activity, a violation of FCRA rules section 1681 Violations ; Account does not report first date of delinquentcy, a violation of FCRA rules section 1681 Violations ; Account does not report last date of activity, a violation of FCRA rules section 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a block on my account. I want it removed
Product: Money transfer, virtual currency, or money service

On XXXX an XXXX with over XXXX XXXX asked me if she could take one of my pictures and paint it. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX her name on XXXX was XXXX XXXX. She told me she would pay me for my painting. She seemed pretty legit as she had her own small business and had painted many others before. I sent her my picture, and she sent me XXXX checks of XXXX and told me to send her XXXX from those XXXX checks, so in total XXXX. I asked why she didnt just send me XXXX, she insisted it was so I didnt think I was being scammed. Whole time I was being scammed, I sent her the XXXX and the XXXX, stayed in my bank for 3 days before I had a balance of XXXX. I had called my bank and they said the check I deposited was fraudulent and bounced. I tried to dispute the claim under fraudulent activity but my bank said they could do nothing about it. Now I am in debt and collections is forcing me to pay money I did not spend, instead money I was scammed out of. My bank is TD, they refuse to release me from this debt.
Product: Mortgage

In extremely small print I was able to identify this company .While American service members stand ready to defend the nation, smalltime scammers and large corporations alike have them in their sights. 

Intelligent Mortgage & Consulting Services XXXX XXXX XXXX, XXXX XXXX, XXXX Liink : XXXX XXXX XXXX This company its using my name and personal information for marketing and solicitation without my consent. My name is being used into a multiple systems of marketing, Im receiving misleading # XXXX from this company also located at : Intelligent Mortgage & Consulting Services XXXX XXXX XXXX, XXXX XXXX, XXXX The amount of letters and unsolicited junk mail offering its very confusing VA- Loan offers will not stop. I just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. Misleading label ACTION REQUIERED XXXX I wo would like this company to stop once and for all. 

This company needs to respect the fact that my name is at the every credit bureau op-out list to included also the DMA. Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 

Please stop remove my name out their data base, and ask every marketing company associated with this company not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this misleading junk unsolicited mail. We military personnel get a steady paycheck and valuable benefits from Uncle Sam. And the eventual transition back to civilian life gives the scammers even more opportunities to target us the troops. 

I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please. 
Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT-Respect the fact that my name its at the OP - Out list at the three credit bureaus and the XXXX I will contact the attorney general in LA if this harassment don't stop I had never requested your junk mail with my personal information STOP Please. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX 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. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : XXXX : XXXX 4. The following personal information is incorrect Account Number : XXXX : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : XXXX  : XXXX XXXX 9. The following personal information is incorrect Account Number : XXXX : XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I did not cosign this loan, my identity was stolen for this loan, I went through similar problem with XXXX XXXX servicing in XXXX. All papers were submitted to verified my XXXX Mohela was writing me again on the loan I did not cosign
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX credit investigation report that was mailed to me shows two fraudelent duplicate items removed.

But my online report on XX/XX/XXXX shows only one of the two duplicate items removed and one remains
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been to Texas. I have never used XXXX XXXX. I have no idea what this is about, and Experian didnt do anything about it.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX I put two deposits on merchandised it was not received. One was for XXXX US dollars and the other was for XXXX US dollars. After receiving the money this person blocked me and did not deliver on said merchandise. I tried disputing through google pay which is what I paid him through and google pay denied my dispute. I tried disputing through my bank, which they denied my dispute as well claiming that because it was through a third party they could do nothing. XXXX  XXXX XXXX has referred me to your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete these accounts ASAP. 

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. 

" Account name : XXXX XXXX, Account number : XXXX Credit card opened XX/XX/XXXX Account charged off. {$9200.00} written off. {$9200.00} past due as of XXXX XXXX 

Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Date opened XX/XX/XXXX Account charged off. {$5000.00} written off. {$14000.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Date opened : XX/XX/XXXX Account charged off. {$5100.00} written off. {$5100.00} past due as of XXXX XXXX. 

Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Status Closed. {$2200.00} written off. 

Account name : XXXX XXXX XXXX, Account number : XXXX Original creditor : XXXX XXXX  XXXX sold- Account type : Debt Buyer Date opened : XXXX XXXX XXXX  Status : Collection account. {$1700.00} past due as of XXXX XXXX
Product: Checking or savings account

opened a savings account on XX/XX/XXXX. Initial deposit of XXXX then two other deposits of XXXX then XXXX. XX/XX/XXXX my account was blocked. I called, and they told me my account is blocked and they it was under review and that it would take 24-48 hours. It has now been two weeks and they still say that my account is being reviewed and they don't know why it's taking so long and how long it would take. They also can't transfer me to whatever department does the reviews. I've called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I have also texted their text line XXXX XXXX XXXX XXXX, I've also talked to their online chat service and emailed customer service at XXXX The only activity on my account was the 3 deposits. I never used the debit card or even transferred money out of the account.
Product: Money transfer, virtual currency, or money service

I have been registered with Zelle and have successfully received payments in the past. However, this specific payment has not been credited to my account. I have verified with my bank, that my Zelle registration is active and no issues were flagged on their end. 

I have reached out to the sender, who confirmed the payment was processed on their side. They also provided proof of the transaction. Despite multiple attempts to resolve this issue directly with my bank and Zelle support, the payment remains unaccounted for. 

I kindly request your assistance in investigating this matter further to ensure the funds are located and credited to my account. I am happy to provide any additional documentation or details necessary to aid in resolving this situation. 

Thank you for your attention to this matter.
Product: Debt collection

I was served with court documents in XX/XX/year> a motion to prove I owed a loan debt. I didnt respond because I thought it was fraud. This past week I receive a petition from district court about garnishment of my wages. I filed an answer refuting their petition. I have no knowledge of this so called loan or this company. I never received any verification of a loan and my credit report shows no loans by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mixed file. Another individual 's name, social security number, and address are mingled with mine on my Experian Credit Report. I discovered this because of credit event posted by a collection agency in the amount of {$460.00} on XX/XX/2020.
Product: Mortgage

I was behind in my mortgage payments because my husband was out of work. I had to borrow XXXX dollars to get caught up. I was told not to worry about the late free or the fees because they started foreclosure. I am up to date on my mortgage payment but I received a default notice saying I owe the fee 's. I do not have XXXX to pay and they will not work with me. Owen Loan Service is the worst mortgage company. They have so many complaints and bad review I can not understand why there are still around. I did all of what I was suppose to do. When you call XXXX person give you XXXX advice then you call back 15 minutes later and you are told the first person gave the wrong information. I ask them before to send me verification about not paying the late frees and other fees they told me they could not. Every time you get a letter from them it never has a person signature on it and you can never speak to a manger or someone high up. I do n't know what more to do I am at my wits end with this company I also found out that they were not paying my taxes as they were suppose to now I have a lien on my home. I called my homeowner to make sure they paid they just waiting for a call back I called them today. Please help all the poor people who have this company I ask you to get this company out of business.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I went into Bank of the West, XXXX, California branch. I submitted for a wire transfer in the amount of {$8000.00} to XXXX XXXX XXXX XXXX in XXXX, XXXX, XXXX. My XXXX was to receive the funds within a couple of days as he has many times before. I was called by Bank of the West a few hours after my transactions to return to the bank and resubmit my wire transfer. I was told that the teller entered incorrect information and I needed to sign corrected paperwork. The teller had misunderstood my request to send the wire in USD instead of XXXX Pesos. I returned on XX/XX/2023 to sign off on the corrected wire. 
From prior experience with wires, I was expecting the money to be available in XXXX by Monday, XX/XX/2023, but it never arrived. I was advised to wait until the documented wait time of XX/XX/2023. It never arrived. 
Since then, I have been working with Bank of the West, XXXX, Branch XXXX, XXXX XXXX. To this date all I have been told is that the person investigating the complaint in the wire department is waiting for an email/phone reply from XXXX. I have called and visited my local branch multiple times a week. The last visit was today, XX/XX/2023. Per my request, XXXX XXXX assured me he would forward my case to his higher up. His regional XXXX. 
On XX/XX/2023, l also called the number provided in my Bank of the West wire receipt for disputing errors. XXXX. I spoke to XXXX. XXXX referred me to my local bank branch and said she would also forward my complaint to regional. 
In XXXX, my XXXX has spoken to the receiving bank, but we hit a wall there as well. They claim they have XXXX evidence that our transaction exists and that we should take it up with Bank of the West, the debiting bank. XXXX ( XXXX XXXX XXXX XXXX ) bank number in XXXX is XXXX. 
Please help us. {$8000.00} is a large amount of money to me and my family. I don't understand why it is so difficult to get any solid answers. I'm desperate for help. Thank you.
Product: Debt collection

A company called Americollect Inc has reported a medical debt for collections to all 3 credit bureaus despite being provided with documentation showing that the {$330.00} charge was paid to the hospital on the date of service ( XX/XX/19 ). I have also attempted to have the credit bureaus correct the knowingly false information that was reported, however they have not been of help in correcting the error. 

I have attached the EOB from the insurance company showing that the {$330.00} is part of the total that was charged to my credit card on XX/XX/19. I have also included a copy of the credit card statement showing the payment to the hospital ( SSM ). Please note that the hospital offered a 15 % discount for paying the balance in full on the date of service ( {$1100.00} - 15 % = {$970.00} ).
Product: Money transfer, virtual currency, or money service

XXXXXXXX XXXX XXXX XXXX XXXX XXXX is a peer-to-peer lending platform that connects lenders and borrowers. The borrower provides a collateral as security in exchange for the loan by the lender, which covers the lender in case of a borrower default. The platform claims that all fixed-term loans are over-collateralized by cryptocurrencies anywhere between XXXX % and thus the lender is secure. 

On XX/XX/, XXXX paused all withdrawals of monies owed to lenders on the platform citing market turbulence and liquidity issues, without any warning. XXXX is now offering to only partially refund secured lenders after advertising such loans were fully secured by crypto collateral. In fact, some of loans on the platform have matured already, and they are neither returning the lenders ' loan monies nor the borrowers collateral. These loans are a contractual relationship between the lender and the borrower and the platform is committing fraud and theft by illegally holding on to user funds without our consent. 

As further evidence of dishonesty, they have deleted/removed their blog posts of information pertaining to their secured loan products and their support channels have largely been taken down, and the only remaining support channel - email support is vague and unhelpful in addressing this serious issue. This raises a reasonable suspicion of probable fraud and foul play behind the scenes within the company that involves misuse of customer funds. 


Persons/Businesses involved : XXXX XXXX XXXX XXXX XXXX/ ), legal name is CONST LLC ( California XXXX XXXX XXXX : XXXX ). 
The physical address is XXXX XXXX XXXX XXXX XXXX XXXX. 

The business is run principally by XXXX XXXX ( Founder ) and XXXX " XXXX '' XXXX ( XXXX ). 

XXXX XXXX has another business named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received XXXX letters from Equifax that stated in them 'As a result of a dispute you submitted the account listed below was removed from your Equifax XXXX file. The company that furnished the account information recently requested to have the account information reinserted on your Equifax credit file and submitted a ceritifcation ... '. For these XXXX companies and now it is XXXX on the exact same date ( the XXXX was cutup by mistake by the USPS Office and they sent later a copy of the same letter as well for a fourth company ). I disputed the fact the company furnished the account information, as it would be impossible for all XXXX companies to inform Equifax on that same date and ONLY Equifax PLUS they were all under a CEASE and DESIST Order which this would have violated those multiple orders with the XXXX XXXX This summarily verifies EQUIFAX has a software error or a human error that caused these XXXX credit file items to erroreously re-appear on my credit file after having spent months having them removed. I asked for the PROOF that 'the company ' requested to the the information reinserted and received absolutely no reply except the fact that scores change downward or upward based on many factors. This rhertic does not constitute the truth nor even an attempt to perform any due diligence on what actually occurred. I am attaching some of the infomration that can be used in a discovery mode in order to immediately correct this client 's credit file with Equifax.
Product: Mortgage

My loan was sold to Mr. Cooper on XX/XX/year>. I received a letter prior to this date saying that my automatic payments would continue and they did not. I paid my first mortgage payment on XX/XX/year>. On XX/XX/year>, Mr. Cooper received a payment request from my insurance company. They said they sent a check on XX/XX/year>, but my insurance agency called me on XX/XX/year> saying that my insurance company did not receive my payment. I tried calling Mr. Cooper several times and ended up in circular automated call systems without reaching a person on the phone. 

Finally on XX/XX/year> I received a letter from my home insurance company saying that my policy had lapsed ( dated XX/XX/year> ). On XX/XX/year>, I called Mr. Cooper again- they gave me a check number for the check sent to my insurance. I called my insurance and they said they never received said check, and suggested I call Mr. Cooper to ask if it had been deposited. They said they didn't know (!!! ) and I asked if I could just submit the insurance payment myself and cancel escrow. An agent from Mr. Cooper finally suggested that they could cancel the check and overnight a new check to my home insurance company for payment. Unfortunately, my escrow account has a negative balance and I have to wait 24-48 hours for the balance to clear before I can start the escrow cancellation process ( which can take up to 2 weeks ). 

I am very disappointed with the way Mr. Cooper handled my loan payments when it took it over as well as with how it handled my escrow situation. The thing that has been the most frustrating is how difficult Mr. Cooper 's phone system is to navigate. TIP : if you say " Payment issue '' you can reach a representative who will forward your call to the correct department.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Product: Credit card or prepaid card

On XX/XX/2017 I applied for the Synchrony Stash Rewards Hotel Credit Card. They advertised a promotional bonus of XXXX Stash rewards point after {$3000.00} of spend was met within 90 days. I applied for the card and was approved for the offer, but only received XXXX bonus points. 

Synchrony says that the XXXX offer was only meant for targeted users in an email, but I read the fine print on the application and no where did it say that. 

Numerous attempts calling Synchrony have not provided a resolution. Initially multiple reps said that they would issue the XXXX points at a later date. This never happened. Now they say I was not targeted for the offer and will not receive an additional bonus. They also did not provide any proof that I was not eligible due to the terms and conditions. 

This offer was publicly available on XXXX 's website, the application page did not ask for a special code, and the application page stated the terms would include XXXX points. Synchrony is not honoring their terms at the moment.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see incorrect accounts on my credit report, and I have no idea where they came from. I check my report regularly, but this time, these discrepancies appeared out of nowhere. I even refreshed the browser, thinking it was some kind of glitch, but the accounts were still there. Because of this issue, I'm asking that the documents I submitted be carefully reviewed so I can stop worrying about this ever happening again.