23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2014 I had XXXX at XXXX XXXX XXXX XXXX in XXXX Mississippi. As a result I managed to acquire XXXX separate accounts that I began receiving bills for. I asked the hospital to combine the accounts so I could make larger payments on XXXX account but they refused. The first XXXX accounts I managed to pay off fairly quickly. The XXXX and XXXX accounts I was still paying on when XXXX XXXX turned the larger of the XXXX remaining accounts ( the XXXX account ) over to Professional Account Services ( PASi ) for debt collection. Up to this point, all of my payments had been made directly to XXXX XXXX XXXX Systems. A representative from PASi called me at work and during this conversation I was told that it was ok to continue paying the hospital, but paying PASi was the same as paying the hospital, and that I should pay PASi. Told him I had no intention of paying the debt collector and that all of my payments would continue to go directly to the hospital. I explained to this representative that it was unfortunate that his company had gotten involved in a matter, as I could prove that payments were being made on all of the outstanding accounts, not just the one that had been turned over to his company. At this point the hospital was wanting me to pay XXXX a month on the account that they have not turned over to collections and PASi wants me to pay XXXX on the account that had been turned over to them. I had explained to them on more than one occasion that I could not pay their minimum balances. In XX/XX/XXXX, I received a letter from a law firm saying the account had been refered to them for legal action. I responded to the law firm with a letter of my own and explained to them the same thing I had been telling XXXX, and took the opportunity to remind them that I had been and still was paying the bill. I have now been supoenaed to court on XXXX XXXX. This suit was filed with XXXX County Justice Court on XXXX XXXX, 2014, a month BEFORE I received the letter from the law firm saying they were reviewing it for legal action. Why the law firm bothered to harass and intimidate me further when the debt had already been filed with Justice Court is beyond me. Why I 'm being harassed for a debt I 'm paying and now sued for a debt I 'm paying is beyond me as well. They say to call and make payment arrangements. I 'm already paying them, why should I make payment arrangements on something I 'm already paying? They were n't willing to work with me and combine the accounts. Why should I work with them and make a payment arrangement for something that 's being paid? Now, I have to miss time from work to go to court for this. I do n't understand why I was turned over to collections and sued when I have been and can prove that I have been paying them.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX PXXXX XXXX XXXX  L ) XXXX XXXX ( Original Creditor : KXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX A ) XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Chase canceled and put a hold on my wire transfer, which I paid fees for. 

I need to transfer to pay my real estate agent to pay her fee for my business. 

On XX/XX/2023, I sent the money to my agent 's account ; Chase canceled my transfer without any information and kept the wire transfer fee. I had to call them to get the payment refunded. 

I got a different account number from the real estate agent and sent XXXX again. 
This time Chase took my money and never sent it and put it on hold without any notice. On XX/XX/2023, Chase sent an email stating that my transfer was delayed for 1 to 2 business days. I have not gotten any message since the date. 

On XX/XX/2023, I sent a message through their App asking what happened to my money. They responded by saying that there was a wire hold and need the personal information of the agent. 

On XX/XX/2023, I called Chase and spoke to 3 different agents the last one being XXXX from the Legal Hold department. She told me that there was no team to help me and I had to talk through the app or visit the center. 

This is ridiculous that Chase just took my money and did not provide any details for the delays, so I assumed the money had been sent to my agent. This event created lots of my hours just for XXXX which they should compensate me for.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX on Experian is still reporting late payments. We have not been a customer of this CU in the past 5 years. Please remove them and their shady reporting of past customers from my credit report. Please remove this permanently.
Product: Money transfer, virtual currency, or money service

My Direct Deposits were deposited into my Cashapp account in XX/XX/2023 and to Date I have not had Access to my Money that was Deposited into my Account Direct Deposit from Social Security Administration. I have been giving the Run around and also told that I would have access to the funds after 10 days of investigation. Which never happened. The statements I have only shows the deposits from XX/XX/2023 and not the entire month of XXXX where the Deposits were added recieved by Cashapp
Product: Debt collection

In XX/XX/2019 I received a letter at home from consolidated recovery stating that I owed over 9000 in a chargeback for a XXXX XXXX merchant account and that it would be put on my credit report. Immediately called the company and asked what this was about, they said that if XXXX XXXX XXXX paid this I would have nothing to worry about, and didnt explain it any further than that. So I went to work at XXXX XXXX XXXX and told the company OWNER - which I am not, I was just an employee, that they needed to set up a payment plan for this debt. Which they did and sent checks under the company, this was never paid by me personally. Come XX/XX/2019 I notified consolidated recovery I was quitting XXXX XXXX XXXX  and gave them the contact information of the owner of the company, and they tell me then that if the company stops paying that I am personally responsible for the debt, per the agreement I signed. I explained to them I never signed an agreement and asked for a copy of this agreement. Once I received it I explained that I never signed this nor did I do this. I also asked since my signature isnt on this agreement if anyone could have done this. And the representative said yes. So again I state I didnt do this agreement, and to please send me a signed copy by me which they couldnt provide, and they say I have to do a police report and sign their paperwork stating that I didnt do this. NO Im not signing anything they sent me, because look at what happened when I didnt even sign this agreement. I also recently asked them per what it says in the agreement they sent, that says their client was responsible for doing a verification of all information in the agreement, and that I wanted to see the verification XXXX XXXX  did regarding this agreement and they have ignored me. I have asked for proof of my signature, and they have ignored me.
Product: Debt collection

I have been fightimg a fraud case and the rivht that i hold to the fcra and the fair debt act. I have been violated on so many ways and wish for this matter to stop ... this is not my name my Name is XXXX XXXX this is not my debt i see the address on both the papers that were harrassee to me AFTER I SEEN THIS FRAUDULENT ACT ON MY REPORT WITH WRONG NAMES AND ADDRESSES they begak this act. Never in my life have they ever contacted me .. So now im really understanding this is fraud by the company also they sold the debt to a company it was never mine to begin with and the adresses ok the paper dont even exist. The name on the paper does not exist as well. PLEASE REMOVE IMMEDIATELY OR IM SUEING I HAVE A PICTURE OF THE PAPERS OF HARRASESMENT BUT THE COMPANY TOLD ME TO FILE A POLICE REPORT I WILL NOT THIS IS NOT MY NAME OR ADRESS OR CASE AND ITS BEEN SOLD THEY SAY THEY ARE SEEKING MY TAXES THAT IS A CRIME.
Product: Mortgage

O n   XXXX   XXXX   XXXX   a QWR and NOE was faxed  over to the lender and the have failed to respond before the sale date. The have not provided proof of debt owed. A NOE with an active sale date was faxed over on   XX/XX/XXXX  a nd they have failed to move the sale date to allow the homeowner to have proof of debt owed and make arrangements. The have failed to allow a modification review.
Product: Student loan

Client is being harassed by Sallie Mae for her daughters account. She is paying her own loan and its current, but they constantly harass her even after shes asked not to be called at that number and that she doesn't know anything about her daughter they continue to call.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

DPT EDXXXX XXXX Balance Owed : {$10000.00} ; DPT ED/XXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXX Balance Owed : {$6300.00} ; DPT ED/XXXX 90882525601E0022008**** Balance Owed : {$2000.00} ; DPT EDXXXX 90882525601E0012008**** Balance Owed : {$3000.00} ; DPT ED/XXXX 90882525601E0012008**** Balance Owed : {$3000.00} ; DPT ED/XXXX 90882525601E0032009**** Balance Owed : {$1800.00} ; DPT ED/XXXX 90882525601E0062010**** Balance Owed : {$3500.00} ; DPT EDXXXX 90882525601E0052010**** Balance Owed : {$6800.00} ; DPT EDXXXX 90882525601E0092011**** Balance Owed : {$4900.00} ; DPT ED/XXXX 90882525601E0102011**** Balance Owed : {$3200.00} ; DPT ED/XXXX 90882525601E0122013**** Balance Owed : {$21000.00} ; DPT ED/XXXX 90882525601E0082009**** Balance Owed : {$4000.00} ; DPT ED/XXXX 90882525601E0072009**** Balance Owed : {$7000.00}.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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/2022 I sent a email and USPS certified letter to RESOLVE Partners in regards of the inaccurate information being furnished with their organization. I informed RESOLVE Partners in this email and USPS certified letter of each inaccurate account and how it was in-fact inaccurate. I received confirmation from RESOLVE Partners employee that my email and correspondence had been successfully received. After confirmation of the receipt of my correspondence from RESOLVE Partners, I discovered that RESOLVE Partners is still furnishing and distributing the inaccurate information that was verified as inaccurate on my consumer profile. I informed RESOLVE Partners again through email on XX/XX/2022, that the inaccurate information is still be furnished, and I have not received an response back. RESOLVE Partners is now in violation of 15 USC 1681sXXXX ( B ) : Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
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 right to privacy and confidentiality under 15 USC 1681. 

# XXXX, XXXX XXXX. 

# XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX False, deceptive, or misleading representations or means. 

( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.

( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Checking or savings account

Ive been a checking/savings customer with USBank for more than 20 years and ALWAYS had a savings account. It was a no minimum account with some funds in it. I wont lie just before COVID I had one of a very few overdrafts that the bank decided to take the funds from my savings. This over draft did not exceed XXXX hours. Since I didnt agree to have them take from my savings I asked for them to transfer the money back. They refused and closed my savings account. Since Ive re-applied twice without success. The practices of banks are sinister. I only make XXXX a year with no way to save a few dollars at the bank I have my money with for convenience. Im so angry and perplexed that banks can literally stop you from saving money! How is this a free country?
Product: Debt collection

This is my second complaint against Advance Financial and their deceitful collection practices. I was an account holder with Advance Financial. My account was fraudulent hacked into on XX/XX/2018. Several transactions were initiated through my stored debit card information and in total, XXXX fraudulent attempts were made to access funds. I reported the fraudulent transactions to my bank and Advance Financial both through repeated phone calls and emails. Some of the funds were recovered, though not all. I was told, by XXXX, that he did not believe the account was hacked fraudulently. In my previous complaint, Advance Financial responded by saying they did not have reason to believe there was fraudulent activity on my account and at the time I had an EFT authorization on file. THAT IS A LIE. I unilaterally and unequivocally revoked all ACH and EFT authorization on my account on XX/XX/2018!!!! I have screenshots of emails revoking my EFT/ACH authorization AND I have emails documenting the fraudulent access and use of my account. In fact, my emails were pleading emails to Advance Financial to please help. Subsequently, Advance Financial has escalated my account to a collection agency but Advance Financial FAILED TO NOTIFY me that my account was being sent to collections and therefore did not provide me the opportunity to verify the debt ( which I would obviously not do ). The amount sent to collections does NOT match the principal amount supposedly due to Advance Financial ( amount sent to collections is {$3200.00} but principal balance listed with Advance Financial is {$1200.00} ). I have tried to communicate the issues to Advance Financial. In the previous complaint they stated they are willing to work with me, HOWEVER, the response to my complaint was that my account has been turned over the the collection agency - which was in response to me blatantly stating the debt IS NOT VALID AND is a result of FRAUD! The fraudulent activity has been reported to the FBI via the Internet Crimes Complaint Center. Advance Financial is blatantly being deceitful and making falacious statements. I had NO ACH authorization on file at the time of the crimes, They did not respond accordingly when I reported the crime, They are misrepresenting an amount due, they did not notify me prior to sending my account to collections and have not admitted to fraudulent use of my account and they have not responded approrpriately to my complaint that the debt is not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a method of verification through experian because they would not allow me to submit another dispute claiming that they verified that the accounts I wanted to dispute have been verified! Instead of sending the method of verification they sent a broad statement and opened another dispute that resulted in the same finding, that the accounts have been verified. I contacted the reporting agency and they verified that that dont report any information to the credit bureaus or third party vendors!
Product: Debt collection

This is not true, the original amount charged back was not the amount reflecting on credit. Please request that this company provide a statement of what is owed with a complete break down so we may properly dispute this situation further. 

They are not reporting to credit properly if the date below is XX/XX/XXXX. It is THEIR responsibility to report correctly. 

We do NOT owe this money, its a fraudulent charge back. Additionally the company has never sent us a bill, a breakdown, or provided evidence of a valid chargeback. 

We have, however, provided a lot of documentation to show the charges were correct and valid. 

Also, they had our original date of reporting incorrect by half a year. Based upon the correct original date of reporting this needs to be removed from credit. Where do they get XX/XX/XXXX as a removal date? This date doesnt match a single thing according to law? 

Here is what they said before : Once again, the charge backs, fees and interest that XXXX XXXX was charged were entirely contractual. No money was added to the balance because of attorney fees or any other fee that was n't strictly agreed to in his contract with XXXX ( XXXX ). We report all of our personally guaranteed merchant accounts the exact same way using a Merchant Account code with the bureaus. This is an automated process. Further, we report the first date of delinquency exactly as the client gives them to us. Our List Dates are reported as of the date we receive the account. Innovative informed us that the first date XXXX XXXX 's account went into delinquency was XX/XX/XXXX. The bureaus are responsible for monitoring the dates and deleting lines in accordance with the FCRA. If XXXX XXXX believes the line should be deleted because the 7 years has run, he should contact the bureaus directly to accomplish that. 

At the end of the day to fraudulently charge back an item and then ruin someones credit is criminal. We want to see this company provide the CFPB with the documents we sent, we sent a lot of information and pictures, and explain how they can legally charge back a valid charge. 

This company sounds like a broken record talking about the responsibility of a consumer. This is not about our responsibility as the consumer, this is about a valid charge back. 

No matter what the contractual obligations are, you can not illegally charge back a charge. Consumers have rights as well, the contract we held with the company has nothing to do with their reactions and actions in relation to the responses we are receiving thru the CFPB. 

Again, this is not about whether we agree or disagree with a contract, this is about the company listed acting against the law and in contradiction to their own contract. In fact, we were supposed to have the RIGHT to defend ourselves and at what point was the massive documentation of mechanics bills and photos not enough? I mean where is the honesty in America people? 

Shady business dealings, never acceptable. 

Thank you.
Product: Debt collection

As of XX/XX/2018 HUNTERS WARFIELD KEEP INCREASING AND DECREASING A DEBT THAT DOESNT BELONG TO ME.. ACCORDING TO THE FCRA INCREASING AN AMOUNT THAT HAS ALREADY BEEN REPORTED YOU CANT INCREASE AND DECREASE BY {$1.00} TO {$2.00} DOLLARS EVERY WEEK OR MONTH WHICH DAMAGES AND HARASSING SOMEONES CREDIT ITS NOT RIGHT ITS A VIOLATION UNDER THE FCRA. THIS MUST AND SHOULD BE REMOVED FOR INACCURACIES UNDER SECTION 609.
Product: Credit reporting

there is a address on my report that i never been or lived in my life