23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, dba XXXX has attempted to collect a debt I do not owe on behalf of XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  - Reference : XXXX relating to move-out fees. I've retained legal counsel, XXXX XXXX of XXXX, TX, who sent his most recent certified letter to this company dated on XX/XX/XXXX, to halt any collections activities or reporting. Today, XXXX XXXX XXXX, my credit alerts indicated that this company has reported a collections to the three credit reporting agencies and has dropped my scores in the excellent range ( 780+, 800+ ) which is down XXXX points due to their false collections reporting. They've violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I want the collections permanently removed off of my reports as this is a matter that will escalate a lawsuit. Again, my attorney has sent XXXX XXXX XXXX certified letters several weeks ago and has since attempted to call them I responded to their collections letter to formally dispute the debt that does not belong to me and contacted them by e-mail on XX/XX/XXXX and identified the debt for {$1200.00} for move-out related expenses to include a XXXX speaker system, cleaning fees, etc. which were are fees that I do not owe. I've never had any responsibility to any portion of this debt XXXX is attempting to collect, and I have evidence proving this since Ive documented everything via video of my move-in and move-out, along with e-mails to management, and sworn testimonies of gross negligence by XXXX malicious, incompetent managers which are attached as supplemental records. I've also attached my FICO scores to include XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX. As you can see, my XXXX FICO XXXX score dropped to XXXX and I've yet to see the damage this company has done to my XXXX FICO score due to their negligence and lack of due diligence and responsiveness. I've also included my formal statement and exhibits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am really getting tired of these company 's getting paid to report fraudulent things on my credit report and they never what to put the good on the report or they report the wrong amount For one! I am a full blooded XXXX XXXX that has full coverage XXXX and XXXX insurance and I have never ever had a XXXX! but also this is a recurring fraud on XXXX this XXXX for XXXX because not only my self but 5 friends and family have looked at there credit report recently and have the same thing XXXX XXXX I have full medical from the XXXX why am I supposed not using my insurance this is all scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent my letter to EXPERIAN, A consumer reporting agency, in regards of validating 3 student loan accounts that were recently removed from my report and reinserted. After review of the accounts, I asked for a proper investigation to validate the accounts and alleged debt due to errors I noticed. I have attached the letter that was sent via certified mail with the tracking number XXXX XXXX XXXX XXXX XXXX. 

According to the FCRA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through interviews with neighbors, friends, or associates of the consumer reported on or with others whom is acquainted or who may have knowledge concerning any such items of information. 

They stated that the account was verified without conducting a proper investigation as required by the law. In addition, the information on these accounts are still not 100 % accurate, in which, hereby triggers a violation pursuant to 15 USC 1681. 

It is a requirement of law that the consumer reporting agency 's assure accuracy and error free consumer reports. It is their grave responsibility to do so according to 15 USC 1681s-2. They have failed to meet the requirements herein, which makes them civilly liable according to 15 USC 1692k or criminally liable. They are conveying false information on my consumer report after being notified multiple times that the information was not accurate which violates 18 USC 35. In addition, the accounts were still reporting while the dispute was taking place which is a violation of 15 USC 1692e. I am asking for remedy due to the blatant disregard for the requirements of law and my rights as a consumer I have suffered an extreme amount of harm financially, physically, emotionally, and mentally due to these inaccurate accounts being reported for years. I have been denied housing, personal credit, business credit, and the basics to live, all while applying in good faith. I asked for a proper reinvestigation and for the company to remedy the situation monetarily as I deserve it. I've reached out numerous times and they disregard the Code of Federal Regulations as if it does not matter. My rights are being violated as a consumer and I had no fair chance. I have the credit report and other proof that these accounts are not being reported accurately. 

Account ( s ) Name : Account # : 1 ) US DEPT OF EDXXXX XXXX XXXX ) US DEPT OF ED/XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX
Product: Credit reporting or other personal consumer reports

please delete this auto loans now I fixed is several times but still in my report this is a violation because this accounts is not accurate reporting please see the listed account below and delete it now XXXX XXXX  XXXX XXXX XXXX, XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$5700.00}
Product: Credit card

I have submitted documentation multiple times to US Bank issued XXXX XXXX Visa regarding a legal name change for my protection from a XXXX and identity theft issue. Documentation has included a copy of the court document, drivers license, and social security card. XXXX Visa has refused to process the documentation multiple times, and in doing so places me at risk of being discovered by my XXXX. I have offered to go to a local US Bank branch to provide the documentation but HD Visa refuses to work with US Bank even though they issue the credit card. Every time I send in documentation, they force me to wait 20 days to " review '' the documentation, and then reject it anyways. I am at the point that I have a meeting with an attorney to see how to continue to resolve this matter.
Product: Debt collection

Last year I received a letter from XXXX XXXX about a debt of over {$700.00}. I have no idea where this was from. Looking into it further I found it was from Synchrony bank and it was for a XXXX credit card. I have never owned one of these and haven't been to a XXXX in over 10 years. I called and spoke with someone from the fraud department at Synchrony and they said the account would be closed and they would mark it as fraud. It still shows up on my credit report though and is hurting it. I have never received a bill from this bank.
Product: Student loan

In XX/XX/2005, I consolidated my student loans. At that time, the consolidated balance was {$87000.00} in principal ( as of XX/XX/2005 ). After an initial {$1000.00} payment, I have been paying {$520.00} every month for the past 150 months. The math on this is that I have paid {$78000.00} on the {$87000.00} loan. XXXX  sends monthly statements that a person has paid, but never the balance amount. Today, I contacted XXXX to see what the balance of the principal is. I was shocked to hear that {$66000.00} is the balance on the loan. XXXX states that all payments went only to the interest. XXXX represented to me on phone that all payments went to interest only and only a small amount to the principal. I was told that the loan will result in payments of {$180000.00} over the life of the loan that had a principal amount of {$87000.00}. This is XXXX!! How is this not usury?
Product: Debt collection

I have informed Portfolio numerous times stop sending me information it is a very old debit that have been discharge from my credit report years ago. My concern is other people as well I mean a very old debit that they are trying to harass and abuse people for. This type of harassment need to stop like yesterday, me I throw it in trash but what is other people are doing worrying and paying them.When you talk to them is like talking to XXXX or scammer.
Product: Debt collection

This company has continually for YEARS ( 2017 ) harassed me into paying a loan that I have not received notice or proof that I owe for. They have called my work and my personal phone and threatened with criminal charges for the outstanding loan. When I have asked for proof of debt owed ( I do not have recollection of this loan under my name. I have never done business with Rushmore Financial ) they stated they will send me proof and I never receive it but the calls continue to come. It has been a nightmare and I would just like this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked. As a result, my personal information was divulged. This situation could potentially affect me and my family for the rest of our lives.
Product: Credit card

Two issues:1- I download and reconcile the data from this account daily and payoff the balance by electronic transfer from a XXXX checking account ; despite the balance being deducted from my XXXX Account , it takes days for Chase to credit my credit card account. 
2. Despite the process listed above ; even when my own account, updated daily, and showing now balance due, Chase shows a balance due and charges me interest on the alleged " balance ''. 
Chase Bank is using fraudulent accounting practices and deliberately delaying processing accounts in a fair manner in order to increase fees and profits
Product: Debt collection

I had recently had a collection account removed and blocked due to identity theft. The Original account was XXXX XXXX XXXX XXXX XXXX  ( {$2900.00} ) then the debt was sold to I.C Systems INC. I wasn't aware of the account until I.C Systems first reported it. So I took the proper steps sent a validation letter and went through all the timely steps on getting it removed, I first disputed account XXXX & on XXXX it was removed blocked & had an Fraud Alert placed on my account. Now this is where the issue lies, after the account was deemed fraudulent and the collector ( I.C Systems ) was blocked from reporting that debt, they sold the debt to XXXX XXXX and XXXX. Under Section 605B of the FCRA, the debt associated with that account should not be legally sold to another debt collector. Once that account has been identified as fraudulent & blocked it is supposed to be treated as invalid. Selling or transferring such debt doesn't comply with the protection provided by the FCRA. And under the Fair Debt Collection Practices Act, collectors are prohibited in unfair, deceptive or abusive practices. So this is a violation of the Fair Credit Reporting Act & the Fair Debt Collection Practices Act. In turn I was able to get the XXXX XXXX account removed from my XXXX account XXXX because it was linked to a blocked account and not compliant with the FCRA or FDCPA, but it remains on my XXXX even though they also know it was illegally sold. Can you please reach out to all parties ( XXXX XXXX XXXX XXXX XXXX, I.C Systems, XXXX XXXX XXXX XXXX, XXXX ) & make sure the law is being held up and all companies & credit bureaus are FCRA & FDCPA compliant. Please & thank you.
Product: Checking or savings account

I have an account on chime and someone scammed me and got my information used all my money and keeps changing my account information I tried this morning with chime but he was able to get back in because they wont let me change my password I dont know the person but I have the number the been using XXXX And XXXX they used XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed my that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

The software tried to send me to AnnualCreditReport.com and I couldnt access the Transunion and XXXX reports. I asked them to fax me the report to ( XXXX ) XXXX - XXXX. But I am not getting luck. 

I asked for their fax numbers. I want to expidite the recieving of my credit reports so that I can fix and manage my credit. I am needing this get funding. 

Please have them fax me at ( XXXX ) XXXX - XXXX. Transuniuon and XXXX. If they cant please email them to XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year> my SSN was leaked in a data breach I contacted the credit companies due to my credit reports showed address I never lived at and it also had someone else birthday attached to my social security number they removed the old address back in XX/XX/year> but there are still tings on there that do not belong to me and I have had a problem getting these things off of my credit reports there is even something from XXXX Michigan and I have never lived in Michigan my Social Security number was leaked.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX - ACCOUNT XXXX XXXX XXXX XXXX XXXX - ACCOUNT XXXX XXXX XXXX XXXXXXXX - ACCT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX, has violated my rights.

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

For over 2 years I have and a " hit-or-miss '' ability to access my Paypal account. The purchasing side and the credit side are now both inaccessible. I have a credit balance I want to pay down or pay off, but after I sign in the site just spins and I can't transact anything. On the purchasing side, I can't use pay pal as an option through a vendor site to make a purchase. Again, it just spins. I have called, emailed, and texted and all I get is '' I have never heard of such a thing ''. Then I contacted Synchrony Bank, which backs the credit side, and they said, " It's not their problem ''. Despite many hours of trying to get them to fix the problem, no one listens. I even had a computer programmer come in and be sure my computer wasn't acting up. This is the only site that has this issue for me.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased an embroidery machine for {$10000.00} which was placed on a 48 month equal payment plan with Synchrony Bank. XX/XX/2020 a credit for an item of {$670.00} was processed taking balance to {$10000.00}. 
On XX/XX/2020 I made a purchase of {$1000.00} at XXXX XXXX XXXX Ref - XXXX without being informed that the {$1000.00} was only interest free for 6 months. 

I made an online account with Synchrony and set up autopay for the initial amount of {$10000.00} with a payment of {$220.00}. I adjusted the Synchrony 's autopay to cover my payments with a little extra. No where on Synchrony 's websites autopay do they separate the {$1000.00} as a 6 month payment with minimum payments due. They lump the amount owed together as one, as a " New Balance '' with a minimum payment shown to only cover the 48 month transaction and not the {$1000.00} which I was never made aware was only for 6 months interest free. My auto payments I made was for {$270.00} to cover my balance over 48 months. Synchrony is sneaky and not transparent as their website and statements does not show the separate balances and payments for each of their offer / programs.

I had made all my payments on time only to find that I had been charged interest for the last 3 months after setting up my auto payments as a conscience and responsible consumer.
Product: Debt collection

NELSON CRUZ & ASSOCIATE at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of $ XXXX.The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Consumer Loan

I had an equity loan with Bank of America that was paid off on XXXX/XXXX/16. I have requested NUMEROUS times for them to send me an accounting of the figures closing out the loan. I believe it is call the Truth and Lending statement. They have continually refused and previously I complained to you because they refused to give me any information on this loan other than charging me an outrageous amount of interest that they did not break down or define at how it was arrived at. My prior case with you is, XXXX # XXXX. I received a letter from Bank of America today from their department that handles loans discharged in bankruptcy and has to do with my default. My loan has been paid in full. All I want is an accurate accounting of the end figures on that loan and now they have it in the resolution department in discharging a debt. I DEMAND FROM THEM A TRUTH AND LENDING STATEMENT AS TO WHAT HAPPENED AFTER MY LAST MONTHLY PAYMENT OF THE LOAN. i HAVE NOT DEFAULTED ON ANY LOAN AND IT HAS BEEN PAID IN FULL AND ACTUALLY HAS BEEN OVERPAID. I would also like to know Bank of America 's usual practices when a loan is paid off and how many XXXX people they are ripping off. Thank you for looking into this matter for me. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( Account XXXX XXXX XXXX  XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I opened an auto loan account with XXXX. During XXXX, I was not able to maintain the loan and the vehicle was repossessed. I believe my last payment was made in XX/XX/XXXX (? ). The account has apparently been sold to NCB who appear to be reporting this account as new and delinquent, which is having a significant impact on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was denied employment due to credit. The job was financial related and required a good credit report. Two weeks later I was denied housing because the company stated my credit report showed debt to another housing provider. I pulled my Experian credit report and discovered an inordinate amount of errors. There were over 50 errors total on my report. I sent them a letter immediately explaining and showing in detail why each item was an error and asked them to investigate and resolve. In XX/XX/XXXX they sent me back a letter saying that they had completed an investigation and verified all information. It was a very blanket letter not outlining how they conducted any investigation. I then sent them a response showing that these were in fact errors and should be either updated or deleted ( based upon each individual line item 's situation ). The response I received was almost an identical letter to the first one they sent. It did not address any of the my concerns at all. Overall I have repeatedly contacted this company in hopes that they would resolve these errors and they have not. Ive sent letters in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX immediately upon receiving their repossess and have receipts of certified my mail being received by them each time. To date I am still unable to secure housing or a suitable job because of these errors. I. work in finance and can not afford to have such errors on my report. In addition to all of the negative errors I also discovered thatchy are not reporting at all on many of my positive credit lines. I have contacted my credit card companies to confirm that they report to the bureaus nd each confirmed that indeed they do report. Therefore there is no sufficient reason why my positive credit lines are not reported and thus why all of these erroneous negative items are reported. I am in a world of trouble because of this negligence and they just keep sending back the same letter saying they verified the items. There is no way to verify something that never happened. When I asked for proof of these items belonging to me in the form of anything I authorized or signed or even recordings where I gave approval I received nothing repeatedly. Please help me. 

Thank you
Product: Checking or savings account

I have an account with chime and for the past few months I have had problems with my account. I asked for a replacement card and never received it. They said it was to be delivered on XX/XX/XXXX then they said it was to be delivered on the XX/XX/XXXX never came. Now it is XXXX and still do not have a card. As the result of that I have to switch banks now that I have Chime has taken XXXX dollars from my account and said it was to be returned and yet no funds have been returned. I tried to be patient but no help now I am turning to you for help. 

Thank You XXXX XXXX
Product: Mortgage

Closed on my house XX/XX/20, mort.co paid duplicate taxes that title company paid for XXXX, forced to refund money to mortgage co until they received that payment back ( they rec 'd it back in my account XX/XX/20, title company ck cashed in tax dept ). Also mortgage company added on extra interest to XX/XX/20, when I was PROMISED the following by XXXX XXXX and XXXX XXXX the return IN FULL of all backdated interest, XX/XX/20 ( date they posted the payoff ) to XX/XX/20 ( date they added on interest to even after house paid off ), and IN FULL XXXX, that I refunded them and they got back. All I got back was XXXX, and they insist they owe me no more monies. 
THEY DO!!! I want the backdated interest and the promised taxes paid back in full ( XXXX ). They have NO right to keep interest paid after house closed and to keep the taxes I paid back to them and promised to be returned to me within 30 days IN FULL, again by XXXX XXXX and XXXX XXXX of Mr Cooper. The latest letter I got saying the title company can pay me back the taxes, HOWEVER, the title companies ck was cashed and received, Mr cooper payment was rejected and THEY HAVE IT.
Product: Debt collection

The debt in question is not my debt and the accounts are constantly being exchanged to new collection agencies. I get constant repeated harassing emails to clear a debt that's not mines.
Product: Money transfer, virtual currency, or money service

Summary : A cryptocurrency exchange has taken {$1000.00} of my money but does not show that deposit in my crypto exchange account. I have full documentation of the transfer of funds. 

Details : " OkCoin.com '' is the US presence of OkXXXX, which is a cryptocurrency exchange. I believe OkXXXX is based in XXXX. 

I created an account with OkCoin.com, registered and validated my identity. Then I used the okcoin.com website to transfer {$1000.00} from my bank, XXXX XXXX XXXX, into my okcoin.com account. 

I have an email from OkCoin.com that says my deposit had cleared, and I have a record in my XXXX XXXX account that shows the withdrawal/transfer to OkCoin.