23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by Medical Revenue Service on my job about 2 weeks ago. Advised representative to not contact me on my job. On XX/XX/2017 XXXX called my job. I contacted them back and spoke with XXXX, told him to please do not call my job.. He stated that when they receive a new bill that 's what they do. Because they do n't know not to call.But he did waste time telling me about the old bills. XXXX said, the time I waisted to tell him not to contact my job, I could of taken out my debit card and pay these bills. Started yelling at me, that I needed to pay my bills and I was n't listening and he will disconnect the call.
Product: Credit reporting or other personal consumer reports

I have tried to resolve this issue in several different manners throughout the past few years. Unfortunately, it has not been possible since this is a joint account. The other owner is incapacitated and has been for two years now. During the beginning of that time ( XX/XX/XXXX ) I was making on-time payments myself and had taken the responsibility for the account over without even having the car in my possession. I had tried during that time to work with law enforcement and had several court cases from XXXX til XXXX to get the car finally back in my posseion. However, the joint owner 's mother claimed to have power of attorney and did not want to cooperate with a voluntary surrender. Thus leading to an illegal repossession of my property. The company held no lien or sufficient evidence over the car during that period. This caused a lot of distress to me because I went from being perfectly fine with no bills then I was required to pay and take over this account. Eventually, the car was discharged and they still are illegally trying to collect money from me over this car. I know that a charge-off is considered a certificate of indebtedness which is income. Per 15 USC 1601-1605 it is illegal to report income on a credit report. I have tried using all my rights with XXXX XXXX XXXX such as opting out from reporting per 15 USC 6805. I have told them all my other rights like reporting late payments are illegal per 15 USC 1666B ( a ) & it is illegal to report collections 15 USC 1681. I had never received any disclosure before all this detrimental false and misleading information was reported without my consent. There was a violation of my privacy and my whole life has been affected by this one account alone. I was denied many different things that I needed for myself to live comfortably. According to the privacy act of 1974, I have had a plethora of rights violated and I need monetary compensation no less than the amount they are illegally trying to collect from me.
Product: Vehicle loan or lease

I HAVE REACHED OUT TO THE DEALERSHIP ABOUT THIS ISSUE.I JUST FOUND OUT THAT I AM BEING CHARGED A PER DIEM RATE IN THE AMOUNT OF 9.22 % IN ADDITION TO THE 8.25 % APR. ALSO I ASKED FOR AN EARLY PAYOUT QUOTE. THE QUOTE WAS FOR THE TOTAL DUE AS IF IT WAS FOR THE FULL TERM. WHICH INCLUDES INTEREST RATE. I MADE AN EFFORT TO SPEAK WITH THEM TODAY AND THEY REFUSED TO SPEAK TO ME BECAUSE I AM ONE DAY LATE MAKING MY MONTHLY PAYMENT. 

A PAYOUT QUOTE SHOULD NOT BE THE SAME AMOUNT FOR 75 MONTHS IF I HAVE ONLY HAD THE CAR SINCE XX/XX/2022.
Product: Mortgage

We purchased our primary residence at XXXX XXXX XXXX XXXX,  XXXX XXXX, MA XXXX for {$470000.00} in XX/XX/XXXX through a primary mortgage loan and second provided by Well Fargo. Even with the sharp decline in property values in XXXX, in the intervening 10-year period the property has never appraised for more that {$350000.00} through at least 3 other independent appraisers. Consequently, we can not refinance the house through any alternative lender ( even through the VA ) since, after making payments for over 13 years, the outstanding balance is {$370000.00} and at an exorbitant interest rate of 6.875 %. We have contacted Wells Fargo two ( 2 ) times requesting a refinance ( combining both the {$300000.00} primary and {$71000.00} second into a single 15-year mortgage or simply refinancing the first at a lower rate ) but, they are unwilling to make any changes or amendments. We are of the belief that Wells Fargo artificially inflated the appraisal in XXXX and now, through interest rates that are double the current rate and due to a fraudulent appraisal, they are unwilling to provided us with any recourse or alternative due to their deceptive lending practices. Additionally, these practices and timelines are perfectly consistent with the issues surrounding a {$2.00} XXXX fine wherein Wells Fargo artificially inflated applicant 's incomes ( they must have inflated ours to qualify for the fraudulently inflated appraisal amount ) and XXXX XXXX fine from you and the Office of the Comptroller of the Currency ( wherein Wells Fargo inflated the appraisal in order to collect additional fees based upon the higher property value ). I hereby request the assistance of the CFPB in helping us resolve this issue with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had got a car from XXXX XXXX XXXXXXXX and the company that handles the loan is XXXX, firstly the interest rate given on the car was outrageously high and I didnt know was Illegal at the time but I do now, secondly the lot refused to fix things going wrong with the car that in writing they were responsible for fixing so I turned the car in and told them theyre not holding up there end of the commitment so Im giving them the car back. XXXX has been hitting and reporting incorrect information ever since, they wrote the debt off as a bad debt/ charge off as new many times. It was originally written off as a bad debt in XXXX XXXX  XXXX, and that I Voluntarily surrendered it in XXXX XXXX  XXXX which doesnt even make sense, they also refused to let my return the car and make payment or do a settlement and just instantly wrote it off as a bad debt, since then it has hit my credit negatively multiple times ever since, I called this XXXX XXXX  XXXX to see if we could do a settlement on the account and they agreed to it, I paid {$1200.00} to reconcile the debt, they then put it on my credit as a new charge off didnt add any remarks as to it being settled and paid and now its stating I have to wait another 6 years for it to come off of my credit report, I made the XXXX payment in XXXX XXXX  XXXX and it states it was written off again as a new bad debt which isnt accurate and to do so they changed my previous payment history to match their story and cause me and my credit more harm. XXXX has hit my credit and cause me unnecessary harm to be malicious which is against the law. Also XXXX is a fraudulent company their corporate number is a disconnected number that doesnt work and also if you try and call their main office it goes straight to voice mail. The only working number is to make payments and they have refused to help me. I have reported this to all of the the credit bureaus, XXXX, XXXX and Equifax but of course XXXX is reporting FALSE information back to them so my credit keeps getting hit over and over again from disputes which is also not allowed. Im currently a loan originator so I now have knowledge of all the federal laws that are be broken on this matter.
Product: Debt collection

Filed for identity theft for this account on XX/XX/year> Report XXXX XXXX. The company have been changing the amount of debt since been filed. Was told I had to pay for them to remove the collection. I havent received any verify for the account.
Product: Debt collection

XXXX XXXX XXXX and its representative Attorneys have colluded or is colluding in their attempt to collect a debt not owed. This assertion of collusion is limited to, insofar as the unquestionable evidence suggest, to making false statements to the CFPB and to me regarding the true state of affairs of the complaints made. This NOT a duplicate of any prior complaints but merely an additional complaint to CFPB who is charged with protecting consumers from unscrupulous financial companies who sought to abuse their power. In this case by using dishonest tactics, false representations and documentary fraud. 


It is to be noted that the uploaded document, whilst making reference to issue raised in prior complaints, highlights the dishonesty and unscrupulous tactics that FMS and its representatives are engaged in as they try to collect money NOT owed.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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: Credit reporting or other personal consumer reports

I need XXXX XXXX XXXX XXXX XXXX  fl XXXX removed from my profile
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against cash app ( Block , Inc ) due to indicate service and unfair practices, which violate the Consumer Financial Protection Act.To isolate the incidents basically cash app failed on multiple occasions to make effective and timely decisions on this particular app leaving users like myself open and vulnerable to fraud behavior. Their dispute process was very inadequate unfair and deceptive, they didn't comply with error resolution requirements under the Electronic Fund Transfer Act ( EFAC ) and regulation E. These actions have left me victim to identity fraud over the last two years which left me financially vulnerable, and i'm seeking appropriate compensation for this treatment.
Product: Debt collection

I'm writing in regards to an account that was unfairly UAADP added to my consumer report. This account does not belong to me. I have never done business with this company. Yet my non-public personal information was used to damage my credit report and credit score.This is a violation and considered identity theft. In Title 15 U.S.C. Sub-section @ 681 ( a ). My non-public personal information can not be disclosed without my prior authorization. This account is to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the XXXX  , XXXX  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXXXXXX  can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed an account with XXXX XXXX back in XXXX. When getting ready to return all the equipment, I inquired about equipment that they had mounted/attached to the floor joists downstairs. The representative told me that I didn't have to return it as that equipment is no longer used with the upgraded technology. 

On XX/XX/XXXX, I received a collection notice from XXXX XXXXXXXX XXXX : # XXXX. I called them and told them I couldn't owe XXXX  anything because my account is on automatic withdrawal from my checking account and has been that way for two years. I then called XXXX and inquired about the collection. Finally after further investigation I found out it was for a modem that was attached in the basement. On XX/XX/XXXX, I returned that equipment to XXXX  Receipt # XXXX filed a resolution document with XXXX XXXX and provided all the information to them on the return. 

On XX/XX/XXXX, I contacted the credit bureaus and disputed the collection since it hadn't been removed. XXXX removed the collection. Equifax and XXXX have not. I think I provided enough information and justification to have this removed.
Product: Checking or savings account

Chime Banking companies, they locked you account with money in it and they won't help you login back in your account. They will pretend that they don't know what going on with your account when you tell them that you can't login your account. They a fraud.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX of XXXXXXXX XXXX XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries
Product: Credit card or prepaid card

I received a statement on a credit card account dated XX/XX/20 and I did not apply for the account. U. S. Bank charged a fee of {$450.00} to establish the account. I immediately contacted U. S. Bank and cautioned them that I did not ask for this account and I would not be responsible for the membership fee or any charges made against the account. I began to research how the account was opened, where the account information about me came from and U. S. Bank 's complicity in this attempted fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$15000.00} Nice! You've paid off 100 % of this loan XXXX  Highest balance {$15000.00} {$16000.00} {$17000.00} ( ON CREDIT REPORT ) WRONG Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Reporting Wrong on Credit Bureaus. Derogatory Remove asap. 


XXXX XXXX reported XX/XX/XXXX {$8200.00} {$6200.00} {$7700.00}. ( ON CREDIT REPORT ) WRONG Reported balance Highest balance {$6900.00} You've paid off XXXX % of this loan OVERVIEW Highest balance {$6900.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term 48 months ( 4 years ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status Reporting Wrong on Credit Bureaus. Derogatory. Remove asap XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX PAID IN FULL. REMOVE ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I have no knowledge of the company nor previous contracts XXXX  XXXX- I have no knowledge of this company nor previous contracts XXXX  XXXX- I have no previous contracts or knowledge of this company. They sent me a letter stating I wasn't found in there system XXXX  XXXX XXXX  XXXX-I have no knowledge of the company nor previous contracts XXXX   XXXX-I have no knowledge of the company XXXX XXXX I have no knowledge of this company and it was removed from my XXXX report
Product: Debt collection

i was XXXX in XX/XX/XXXX in XXXX XXXX XXXX and XXXX in XXXX XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. During that incarceration I was taken from the XXXX to XXXX XXXX XXXX approximately 4 times under my duress. I was transported from the XXXX in restraints under the supervision of armed guards. I tried to refuse but was threatened with punitive action including being forcefully restrained and carried by officers and solitary confinement. I did not choose to go to this hospital for treatment, I was forced. Records will indicate that I was a " client '' in XXXX XXXX XXXX XXXX during this time frame. As such, I was a XXXX of the State and these expenses fall within the responsibility of XXXX XXXX XXXX. These reports were lodged against my credit report without me having ever received any communication from any agency. When I learned of the reports I contacted XXXX XXXX, they informed me that they had contacted XXXX XXXX XXXX and XXXX had denied I was a client during that time frame. I contacted my Parole Officer Mr. XXXX, he contacted XXXX XXXX and informed them that I was in XXXX XXXX under a Blue Warrant he issued and sent them documents confirming it. XXXX claims that XXXX has recanted and now admit that I was a client during that frame and accepted responsibility. XXXX XXXX records now reflect that my ballance is {$0.00}. However, the reports were never removed from my credit. I disputed claims through XXXX with no relief. I contacted United Revenue Corp. who is the company listed as the reporting agency, and explained the situation to them. I gave them all the pertinent information. United Revenue contacted me back after their investigation and informed me that they finally got XXXX to admit that they were responsible for the financial obligation, however due to the time lapsed between the initial billing date and the time United Revenue contacted XXXX, XXXX would probably not pay the bill. I was further informed that if XXXX did not pay the bill United Revenue would hold me responsible and maintain action in not removing the report from my credit report. 

I am not responsible for these financial obligations, XXXX XXXX XXXX is, United Revenue should not be able to hold me accountable and issue punitive sanctions through inflating my credit report, especially after XXXX accepted responsibility to them.
Product: Debt collection

Creditor : XXXX XXXX Account closed and XXXX loaned signal boosters returned to them on THEIR prepaid XXXX shipping labels. Several calls to XXXX with the " XXXX Proof of Delivery '' acknowledged. 

A month later, started receiving letters from a collection agency. I replied to letter requesting that they send me proof that they are the " creditor in due course. '' I did provide them with the " XXXX Proof of Delivery '' info. As of XX/XX/2017, no reply. 

Called XXXX again, provided the return " XXXX Proof of Delivery. '' I was told my case would be turned over to their Executive Response Team and I would hear back from them in a few days. 

What I got back was a letter masked to look like a collection agency attempting to collect a debt but is really from, I believe, XXXX Executive Response Team. 

I would like from XXXX XXXX : 1. A letter admitting their error. 
2. No further contact from any outside collection agencies or XXXX XXXX internal collection department " attempting to collect a debt! '' 3. In the event this appears on my credit report they ( XXXX XXXX ) will immediately remove it. 

Thank you for your assistance.