23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i have a recurring bi-weekly payment of {$23.00}. Yesterday, on XX/XX/22 at XXXX, i get a text message from " ABC XXXX '' that there is an issue with my membership and to call XXXX to make a payment. 

I call my bank and they tell me that there was fraudulent activity on my card in the amount of {$1.00} and they froze my account. They tell me i need to go to a local branch and get a new card printed out. I do this and by the afternoon i have my new debit card in hand and contact this ABC phone number. 

They tell me they are ABC XXXX which is a debt collection company that deals with the chain gyms around the country. I explain to them what happened and the guy transfers me to the automated system to make my payment and update my debit card. Their automated system tells me that i owe them {$42.00} to put my account back on because of a " service fee ''. Of course, i have no recourse because I'm speaking to a machine at this point which Im sure is intentional so i pay them the {$42.00} which is my {$23.00} dollar payment plus a {$19.00} " service fee ''. 

I contact my gym owner XXXX who has always been amazing and she personally refunds me the {$19.00} service fee out of her pocket despite her not getting any of the {$19.00} from this XXXX XXXX. 

She tells me that the minute they try to process my payment, and, its declined for any reason, they tack on {$19.00} service fee and send me a text asking to arrange payment. I made the payment hours after they notified me there was a problem. I don't think this is right. They don't define how much money they will charge me for this " service fee '' in the contract. They could just charge whatever they wanted for something that cost them absolutely nothing. How do they justify charging me {$19.00}? Its arbitrary and might as well be {$1900.00} I know {$19.00} doesn't sound like a lot but i think this debt collection company is probably doing this to millions of people a year.
Product: Credit card or prepaid card

I am experiencing identity theft and monitor my credit closely. I received notice that an account closed, upon review it was closed based on credit information that is currently affected by identity theft. Consumer contacted the company and explained the situation. Consumer asked for the company to add a remark onto all credit bureaus indicated consumer notified them that they are experiencing identity theft but this company still chooses to decline reconsideration. The company asked consumer to reapply once credit issues get resolved. Why, would I want to work with a company that has zero compassion for a person who has been a loyal consumer for over 10 years. And zero consideration to put the account on pause or freeze it. They had no other solutions but to maintain there current stance of closing account based on inaccurate information. The card company is with Best Buy Store card. So please be wary if you do get this card and experience the misfortune of identity theft because they will close your account and not care about the victimization of identity theft. I will never buy a product or ever apply for credit through this card company in my lifetime.
Product: Debt collection

This complaint is against The Bureau Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I have attempted twice sending out dispute letters via certified mail to the bureaus inc on XXXX XXXX and XX/XX/2018 to get verification of a contract with my signature saying I owe them money from a collection debt of {$690.00} account # XXXX. At this time The Bureaus Inc. has been reporting a negative collection account on my credit report to all of the 3 major credit bureaus XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, my ex-husband and XXXX XXXX XXXX requested that I be removed from the deed to the home so he could qualify for the mortgage on his own after being awarded it in our divorce. I happily complied and was not privy to the new loan terms because my credit and income were not used to qualify. They changed the mortgage terms without my consent, wrote " N/A '' on the new note 's signature line for me, yet continue to report to credit to this day. It is illegal for a creditor to report a liability to one 's credit if their signature is absent and they have not agreed to new terms. I have since gained access to a copy of this new Note, which they do not admit exists when disputed with the credit reporting agencies. A contract can NOT be modified without all parties ' consent, and I would have NEVER agreed to the recitals, an increase of {$100000.00}, a deferment of {$240000.00}, or this balloon mortgage with a 50-year term.

This reporting has caused significant credit score damage over the last ten years because of the high credit limit of XXXX ( original balance ) versus the now XXXX balance, late payments on my ex-husband 's mortgage, and, most recently, his preforeclosure proceeding. 

After XXXX serviced the loan in XXXX, it went to XXXX  XXXX XXXX for servicing, which began the preforeclosure process. I spent years disputing this account, and no one wanted to acknowledge the errors in that process and reporting regarding their inherited mortgage. 

It was service transferred to XXXX XXXX XXXX, and they have further damaged my credit and continue to report even after referencing the modified mortgage note with my missing signature. In fact, XXXX doesn't even claim they have a copy of the XXXX note, which only my ex signed, yet they are reporting the terms of it to my credit. 

Just recently, I received a call from XXXX  XXXX XXXX again regarding a loan that has some connection with that home and mortgage, and I am fearful again that this vicious cycle will continue. It is fraud to write " N/A '' in a live and well person 's signature line. That note should not have had my name listed if they were not in need of my signature, and it should certainly not be reporting to my credit with terms I did not contractually agree to. XXXX, XXXX  XXXX XXXX, and XXXX have ignored my requests to remove this from credit, and they have ignored the legalities behind reporting a liability that was not executed. I was not required to sign because I no longer had an interest in the property, and my credit and income were not used to qualify. THEN WHY IS IT BEING REPORTED AS MY LIABILITY???????
Product: Student loan

Today i received a phone call from someone who claimed to be a third party loan servicer for FedLoan. The name of their company was XXXX XXXX XXXX XXXX and/or XXXX  XXXX  XXXX. I was told to confirm my information and they had everything on me. My social security number, My date of birth, my phone number and address, my bank account number that i pay my loans through, everything. i felt like it was a scam so i hung up and called FedLoan to find out that they do not work with third party servicers and it was a scam. i want to protect my information, but i know they have it. i do not feel safe paying my student loans anymore and am very insecure about my personal information being stolen.
Product: Debt collection

We were interviewing contractors to install a new fence around our property. XXXX XXXX XXXX XXXX XXXX contact us via landline and we agree to have them come over to explain the process they sent over two reps who gave us a price to install the new fence. 
We were impressed with their rep so decide to go with them. They wrote up the contract for {$24000.00}. and I gave them deposit of {$1000.00} dollars with my debit card. They stated the payment would be in XXXX XXXX payments as the work is being done. We made an addedum to the contract which then was {$19000.00}. Phase 1 {$6300.00} and Phase 2 {$6300.00} and Phase 3 {$6300.00}. On XX/XX/year> XXXX XXXX came did to do pre-measurments. We stated we were trying to find a good interest and want to go to our credit union but needed to find out my husband credit score. XXXX said he could do that on his phone. He took my husband information and ran it. Unbeknownset to my XXXX XXXX XXXX husband XXXX has signed him up for a credit line with Greensky. We started getting bills and called Greensky and asked what was the bill for. They said your contractor billed them because he finished the job. We stated he hasn't even started. They told us to tell him to send the money back. We called XXXX and ask why did he open this account and why did he bill them for work he hasn't even done. XXXX got paid for the Phase XXXX, XXXX and XXXX all in the same day. We went to the XXXX XXXX XXXX who contact XXXX and he was supposed to pay us back but refuses to this day. Greensky keeps sending us bills and has sent my husband to collections and put a negative report on his credit so we can't get a loan from the credit union to get a new contractor to come and do the work that XXXX never did.
Product: Debt collection

I HAD GOTTEN A PAYDAY LOAN AND I HAD AN AGREEMENT WITH THE PREVIOUS EMPLOYEE. I HAD RUN INTO SOME FINANCIAL PROBLEMS AND IT SET ME BACK SO I WENT IN AND TALKED TO THE PREVIOUS EMPLOYEE SHE TOLD ME TO PAY WHAT I COULD WHEN I COULD. THE COMPANY CHANGED OWNERSHIP AND THE EMPLOYEES THAT WAS ONCE THERE ARE NO LONGER THERE. THE NEW EMPLOYEES, NOT KNOWING MY SITUATION, HAS BEEN CALLING ME EVERY SINGLE DAY SOMETIMES XXXX A DAY CALLING MY JOB CALLING MY REFERENCES TELLING THEM WHAT I OWE WHAT THEY BE LEAVING MESSAGES SAYING AS WELL AS WHAT THEY GOING TO DO IF I DONT GET IN THERE. I KNOW THEY ARENT SUPPOSED TO SAY ANYTHING TO REFEENCES OR WHOMEVER ANSWERS THE PHONE AT MY JOB. NO MATTER WHAT THEY SAY ARE DO ITS NOT GOING TO CHANGE MY SITUATION
Product: Debt collection

This is my formal written complaint. I am denying all calms by. CONVERGENT OUTSOURCI I have never done any business nor received any goods/services from CONVERGENT OUTSOURCI In fact, I am 100 % confident that the plaintiff can not provide any instrument of a signed contract/agreement between CONVERGENT OUTSOURCI and myself, labeling me as a debtor who is obliged to any debt/monies owed to them as a creditor. It is from my understanding that I do not know of this entity and under federal Law they do not have the legal right to bring forth any said " claiter '' against me. I would like this investigated immediately and removed from my report once found inaccurate information. This has caused severe damages to my consumer report, livelihood, and character due to their inaccurate reporting on my consumer report
Product: Checking or savings account

XXXX XXXX : Opened a CD on XX/XX/year> after receiving an email offer of a XXXX term and a rate of 4.30 %. A week later received an email saying Congratulations for opening a XXXX CD at a lower rate. XXXX believe it. Checked my account and it had been changed to XXXX at the lower rate! Contacted them XXXX  times by CHAT and telephone calls. Promised to look into it and call me back. They never did. Called again today, XX/XX/year> and was told that I can close it, reopen another CD but would be penalized! No one understands or will help me. Tried to talk to highest person and was told they were the highest yet could not give me a name of their boss to contact. Said my case was denied and I could pay penalties. I did not open an account to close it! Frustrated to say the least. Someone changed my CD right after I funded it and they know it but wont fix it.
Product: Credit card or prepaid card

This is a follow up to the previous complaint:XXXX Chase delayed and dodged addressing my problem and asked for additional info. I provided within 48 hours, but they closed my case anyways without addressing the issue. Here is the new info they requested : I was asked to provide the account number and opening date of this card. I earned points on two separate occasions. Here are the card numbers : XXXX - opened XXXX XXXX - opened XX/XX/XXXX Here are the terms in the email I received stating these cards were on the way : TERMS AND CONDITIONS : Plane Travel is subject to the government-imposed XXXX XXXX Security Fee of up to {$10.00} per roundtrip. Number of points required to redeem for free flights is dependent on fare availability, destination, time, and day of travel, which are subject to change. Travel good on XXXX XXXX published, scheduled service. *Points do not expire as long as you have flight or Partner earning activity every 24 months. As you can see, points should not have expired considering I had a flight in XXXX.
Product: Mortgage

Freedom Mortgage Loan XXXX XXXXXXXX The loan payoff was XXXX XXXXXXXX which is supposed to be at XXXX XXXX to payoff this criminal organization called freedom mortgage and XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX. I have been fully XXXX permanently and total as a XXXX XXXX XXXX XXXX and have been taken advantage of by all three of these mortgage companies while using my XXXX against me. I have been trying to get my daughter who is XXXX XXXX XXXX in a home with her own room and these XXXX companies have destroyed my credit, emptied my bank account, taken advantage of me, never solved anything with solutions, just problems. They never even asked to put me into a better situation for my daughter and I while I fight my illnesses being fully XXXX and being XXXX not stupid. I fought hard for this country and my daughter who is XXXX XXXX XXXX deserves better than this. These mortgage companies have destroyed my credit and drained my bank account putting me in interest only payment when I qualified for a XXXX year fixed paying the same price for XXXX  months for a XXXX year interest only and now they want me to pay them off more than they should. XXXX XXXX is waiting on the payoff and freedom mortgage is holding it off and increasing and altering their number to increase the fees for payoff same thing XXXX did and still destroying my credit when I have XXXX debt. I have been unable to pay down my mortgage more during the 11 months. They put me through the mill and sent me to different departments in their companies and none of them came with solutions time and time again and told me lies and hung up on me lying to take more money from a disable person which is a felony in all states. They never let me streamline into a better situation without some lie or way to say I don't qualify while they keep my credit score down under XXXX so I couldn't go anywhere else to shop, which is also illegal. I finally found XXXXXXXX XXXX and so far they are treating me better and hop [ ing I can finish my refinance with this company who is helping me and not taking advantage of my XXXX which is a felony in all XXXX states of the United States of America. I am XXXX not stupid. I respectfully request an investigation regarding my credit reporting with all three mortgage companies as well as the fees and illegal handling of money against a fully disable person. I have not got anywhere with any of these XXXX companies XXXX XXXX, Freedom Mortgage and XXXX XXXX and their illegal activity of reporting me on my credit after account closed and still won't close my account and destroying my credit so I can't get credit card or anew mortgage that will better my situation for my daughters future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently reviewed my credit report on XX/XX/XXXX and noticed that there were incorrect information being reported to my credit report. I contacted the consumers advising them of the detailed incorrect information and asking them to correct the information. I reviewed my information onXX/XX/23and noticed that the information had not been corrected and that the incorrect information is STILL being reported to my credit report. These are the items that are incorrect : XXXX XXXX : Acct # XXXX {$550.00} -Reported date -Last Activity -XXXX XXXX ( XX/XX/XXXX ) days late -Months Reviewed -Creditor Information -High Balance XXXX : Acct # XXXX {$0.00} -Reported Date -Credit Limit -Remarks -Last Activity -High Credit -Creditor Information -Months Reviewed XXXX XXXX : Acct # XXXX {$0.00} -Reported Date -Last Activity -Remarks -Time ( XX/XX/XXXX ) days late -High Balance -Creditor Information -Type -How is it still reporting if account was purchased by another lender? 



XXXX XXXX : Account # XXXX -Reported Date -Last Activity -Original Creditor -Status -Comments -Term Source Provided Capital XXXX : Acct # XXXX -Report Date -Open Date -Last Activity -Report to only one creditor ( this is not my account ) XXXX XXXX : Acct # XXXX {$370.00} -Report Date -Last Activity -Status -Comments -Monthly Payment Amount -Term Source Type XXXX : Acct # XXXX {$370.00} -Account is not valid and reports to only one creditor -Not my account- XXXX : Acct # XXXX -Account is not valid and reports to only one creditor -Not my account INQUIRES : Transunion : 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 XXXX XXXX XXXX XXXX XXXX If XXXX after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of reinvestigation and Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Credit Reporting Agencies about the hard inquiries on my credit report and have been told to contact the companies who requested the report and to have them deleted. I called XXXX XXXX XXXX XXXX and have been told they do no delete hard inquiries even though I did not authorize the inquiry. I called back Transunion to advise them of the statement from XXXX XXXX XXXX XXXX. I have disputed and written letters and I have been continuously told by Transunion the hard inquiry will not be deleted even though I did not authorize anyone to check my credit file. I am asking for your help because I am given the same answer which is not fair to me as the credit when I did not not ask for the hard inquiry with XXXX XXXX XXXX XXXX. I have continued to request a deletion to no avail. Please advise if you can assist me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on credit report should be deleted immediately. 
Sent documents to bureau called and sent certified documents. Collection agency XXXX XXXX  XXXX also sent letter and updated status stated it should be forged with no response from credit bureaus. 
Account # XXXX Amount ; {$540.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX United States
Product: Debt collection

I have send several request to former law firm when was served papers by the sherriffs dept of a attempt to collect debt but have never received a response back w/requested proof & now it has been assigned to a new law firm. I have kept all emails send to prior law firm notes made on letters & print screens along w/mail receipt of formal letter showing letter was received from the prior law firm & now a new law firm is trying to attempt the debt. 
I am also sending them copies of the requested/papers sent to the prior firm for their review as of XXXX/XXXX/15 via the post office. 

I do not know who the debtor is that is why I have disputed the debt & requested proof as in the past I have had my SSN # stolen before I got my 1st credit card so am leary that it could have happened again & I stated that in my concern letter that was sent to the law firm. Legally they have to provide me w/proof of the debt & have not complied w/my legal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public records should be deleted as of  XXXX / XXXX /17 from all credit bureaus, experian,  XXXX ,   XXXX   XXXX  . It is making it difficult to obtain credit. Please delete.
Product: Debt collection

This letter is being sent to Jefferson Capital Systems , LLC in response to a negative collection placed on my XXXX and having received no XXXX notice. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This matter was already settled with XXXX XXXX and XXXX removed it from my credit report. See attached letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing today to get help with incorrect information on my Equifax, XXXX and XXXX Credit report. I have reached out to all these agencies via online dispute and telephone and asked they remove inquiries that I did not request or allow, to this day this has not happened. 
Please remove inquires from these companies immediately as they are inaccurate and damaging my credit score : XXXX XXXX  dated XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX 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 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 XXXX  I did not give any of these corporations permission to request a credit report and have asked these agencies to remove this information asap, this has not happened. 

Please help me solve this issue. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following account and inquiries from my credit report. As a victim of a data breach, these entries are fraudulent and unauthorized. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed from my credit file promptly. 
Fraudulent Account : XXXX - XXXX - XX/XX/XXXX - {$2600.00} Fraudulent Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX
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 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.