23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently received a letter in the mail on XX/XX/XXXX from an outside independent legal entity notifying me that I was being sued by XXXX XXXX XXXX/XXXX XXXX XXXX regarding a credit card account that was filed in XXXX Circuit Court on XX/XX/XXXX. 

I would like to make the CFPB aware of this occurrence as I never received a formal document from Midland/XXXX XXXX notifying me of the possibility of a default judgment or documentation demonstrating the suit that was filed in the XXXX Municipal/Circuit Court for period XX/XX/XXXX through XX/XX/XXXX. 

I would like be contacted by a representative of either/or both XXXX XXXX & XXXX XXXX XXXX via phone or email in order to facilitate a mutually beneficial payment arrangement as I would like to avoid a potential default judgment as I do not have any available PTO to attend the legal proceeding scheduled for XX/XX/XXXX and also do not have additional funds available to pay for legal representation.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was surprised to see inaccurate accounts listed, and I dont understand why. I routinely review my report, but this time, there were unexpected errors. Thinking it might be a technical issue, I refreshed my browser, but the inaccuracies remained. Given this problem, I request a careful examination of the documents I have sent so that I no longer have to worry about this.
Product: Debt collection

In XXXX, I received a postcard stating that an order of default was entered on XXXX by a XXXX XXXX XXXX. I went and filled a notice of motion with the circuit court of XXXX county Illinois. I had proof that this Walmart credit card with a {$1000.00} limit, had indeed been paid. The judge told me that this was not the hearing for that matter. XXXX XXXX   purchased this alleged debt from XXXX XXXX. The problem is I don't owe this debt! I have email confirmations that prove my payments. I work as a XXXX XXXX which is considered part-time. In XXXX XXXX XXXX  was allowed to garnish my paychecks If they are more than {$740.00}, sometimes more than {$200.00} a paycheck. I have XXXX children and the money I am left with is below poverty for a XXXX person household. I need help with stoping this that is making it impossible for me to buy food for my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called several times and spoke to Ally Financial and Whoever they refer as XXXX XXXX or whatever. They both can not verify my debt and both keep sending me back an fourth. They have failed to verify my debt via phone and via mail.
Product: Credit reporting or other personal consumer reports

Mortgage was reported as late when it was paid off and closed. Disputed on experian and they stated that was it not accurate. Provided screen shots of account and no response.
Product: Money transfer, virtual currency, or money service

Case ID XXXX, I am not able to find the status after received your email notification
Product: Credit card or prepaid card

I appled for U.S. Bank XXXX XXXX card and was approved. The card arrived with no issue. Howvever, what happened next made me regret ever applying for that card and dealing with this bank. I activated my card online as instructed by the prints on the sticker on the card. When I tried to add my card to XXXX XXXX, I got a message stating that I needed to call the bank. I called the bank, and was simply told that there would be a " callback '' within 24 hours. I said no problem and waited for two days with no call. I noted that although the card had been activated I was not able to use the card ( per U.S. Bank, due to the pending " callback '' ). I called the bank and inquired the status of this callback, and was told that I had to wait another 24 hours. A week passed, there had been no such " callback '' ever. At the same time, since I received the card, I have been receiving 5 robo calls per day asking me to activate the card. These never stop spam calls drove me so upset, that yesterday I kindly asked to close this account. Well, surprise surprise, I was told that they can not close my account until someone does the " callback ''. I requested to talk with the unit within the bank which does this " callback '', and was declined. I then asked the Bank to remove my phone number from the robo calls, yet was also declined.
Product: Debt collection

professional credit service accounts XXXX and XXXX are wrongfully appearing on my XXXX XXXX XXXX  credit XXXX ... .was insured by XXXX at time of XXXX ... was covered under my mother XXXX XXXX at XXXX XXXX service.XXXX XXXX. is the original creditor. 
both debts are wrongful and harming my credit rating.XXXX has removed both accounts
Product: Mortgage

I have an existing mortgage with New Rez. I was contacted about a refinance and took the offfer to apply for a lower rate. The process took several months and finally closed on XXXX XXXX. 
I continued to watch the website and called to make sure my automatic payments were stopped and was assured that had been done on the old account. 
I set up new auto payments to start in XXXX on the new mortgage. 
My old account was drafted for the old amount and when I called to address this they said my payment would be refunded but only to find out that my old mortgage was never paid off and now I have 2 mortgages with new Rez that are scheduled to draft from my bank account in XXXX. 
I made several more calls and everyone tells me I have to call someone else and 2 have not returned calls as they said they would. No one wants to take care of the problem. 
Where did my refinance funds go that should have paid off my old mortgage. 
Need Help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I reached out to XXXX  to have a fraud alert removed from my credit file considering it has never worked to prevent credit inquiries and inaccuracies. Per the rep she verified my information and advised she had removed the fraud alert. I called on XX/XX/2021 to confirm the fraud alert had been removed from my credit file and was told it was still there and it was an active-duty alert. I asked her how is this possible when I have never served in the military. She could not explain and told me I needed to speak to another department to have it removed and they were closed for the day. I am so frustrated with the credit bureaus because they are adding things to my credit file that is inaccurate and invalid. I also noticed several invalid addresses, names, inquires and accounts on my report and I have disputed them several times before and they remain on my credit file.
Product: Student loan

I called Edfinancial on XX/XX/XXXX requesting a student loan refund. I made the payments when my account was with XXXX XXXX XXXX. ( ~ {$13000.00} in early XXXX ). XXXX XXXX transferred their accounts to Edfinancinal, and neither company notified me. Edfinancial said I owed nothing and that I would be getting a refund in 6-12 weeks. I called back 6 weeks later on XX/XX/XXXX and was told that I owed {$7500.00} and that the 6-12 week time period was for them to send me an application to apply through the studentaid.gov website. 

I was originally told my balance was XXXX and I would be getting a refund in 6-12 weeks. Now I am being told my balance is {$7500.00} and I have to wait longer to just receive the application to apply for aid.
Product: Credit reporting

Transunion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that all inquires be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank 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 Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX falsely reporting my name as an inquiry that I do not acknowledge neither consented to anything with them
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( Bloc.inc, ) due to inadequate customer service and unfair practices which violate the consumer financial protection Act ( CFPA ). Specifically cashapp 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 requirements under the electronic fund and unfair 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 losses, and I seek appropriate redress for these actions
Product: Debt collection

The company has filed a collection with credit bureaus for an unknown service that is not mine. I have tried several times to call them, have disputed the collections with collection agencies and have send certified mail to get the invoice that is in question and to resolve the issue with out any response. They do no respond to their phone number that was listed on the credit report nor have they responded to the registered letter I have sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed with experian, XXXX and XXXX about 4 accounts on my credit file, Per the FCRA they have not provided me any documentation on file to verify that the information is mine and correct, I have written this company 2 times. I have disputed with the collection agencies XXXX XXXX and XXXX XXXX XXXX also.These companies have failed to provide me any evidence, beating my signature, showing that the account is being reported accurately. All they have provided me is a copy of a bill. Per the FTC a printout of a bill or itemized document does not constitute verification. please help me resolve these issues that I am having. 



The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX accounts ) Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address complaint XXXX. As a creditor, you have previously acknowledged your inability to provide original documentation that substantiates my ownership of this debt relating to the account on my credit report in which you sold to XXXX XXXX. I have consistently maintained that I never opened an account with your company, and I have provided substantial evidence that my personal information was compromised in the XXXX data breach. This raises serious concerns regarding the accuracy of the information on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that all reported information is accurate, verifiable, and substantiated by the creditor. Given that you are unable to furnish the original documents confirming my association with this debt, I must assert that you are in violation of the FCRA. I kindly request the immediate removal of this account from my credit report within the next 30 days. Failure to comply with this request will leave me with no alternative but to pursue legal action to rectify this matter. I believe it is in our mutual interest to address this situation promptly and amicably to avoid any further legal action. The account is XXXX XXXX XXXX. Please see your response highlighted where you admit to no proof of validation. Also see the XXXX data breach claim ID.
Product: Credit reporting or other personal consumer reports

XXXX has has not updated nor deleted the inaccurate I for that has been reporting on my report for more than 26 months thats XXXX XXXX XXXX XXXX That is currently in litigation and a federal court case has been established! Also XXXX is also violating the FCRA but reopening every 30 days and reporting false reports thats the same accounts are closed! This is fraud and need to be cease immediately. The account that is reporting is navy federal credit union! The account has been closed since 2022 but XXXX is falsely updating every 30 days! The navy federal that is reporting falsely has already been discharged and should no longer be reporting! Also with XXXX loans that is a violation of FERPA the Family Education Rights and Privacy act and also has been discharged!
Product: Consumer Loan

I am being harrassed at work where I am prohibited to receive collection calls on my job. It is from Central Credit Services by an XXXX XXXX @ XXXX He called my job Monday morning XXXX/XXXX/15 @ XXXX then again today XXXX/XXXX/15 @ XXXX -- I know he is violating the FDCPA law -- I want this company to stop calling my job where I can possibly lose my job and My son 's job also.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX i begin calling to request 15 u.s. code 1681c on all hard inquiries bein reported on my credit report. In XXXX i paid a company XXXX XXXX XXXX XXXX XXXX to get the exact same hard inquiries removed that had been popping up and continued to be repeatedly reported as new inquiries on my report. nothing was removed in XXXX, so in XXXX i myself called and wrote letters with these same request, all were ignored by transUnion, XXXX and XXXX removed some things but not all. so i again in XX/XX/XXXX i hired XXXX  to dispute these things that were not only being reported on my credit report still but they were being reported with updated dates as though they were recent and not already old, over the phone i was cursed out, told to hush, and hung up on, still no results, at this point i don't know what else to do, but i would like all hard inquiries and collections to be removed from my credit report due to section 15 U.S. Code 1679c. They have violated section 15 USC 1681b, i did not consent to any of those and have correctly multiple times asked for an investigation to be done only to be told it was all correct and the original dates on them to be updated as to last even longer on my report.
Product: Debt collection

There is an inaccurate collection from mrsbpollc, originally XXXX XXXX, for {$710.00} showing up on my XXXX XXXX. 
When I pulled my credit file, the debt isnt showing on it, giving me no account number to reference for a dispute with XXXX. 
Ive never had an account through XXXX XXXX and it needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally report a persistent issue I have encountered with XXXX XXXX XXXX regarding the inaccurate reporting of information related to a fraudulent auto loan under my name. Since 2016, XXXX XXXX XXXX has continuously reported false information to the credit bureaus, causing significant harm to my credit profile. 

Despite providing them with documentation proving that I was a victim of fraud, XXXX XXXX XXXX has failed to correct their records. Instead, they have re-reported this inaccurate information consistently for over seven years, which I believe violates the Fair Credit Reporting Act. 

The damages I have incurred due to this ongoing issue exceed {$15000.00}, both in financial losses and emotional distress. I am requesting that the CFPB intervene to ensure that XXXX XXXX XXXX removes all fraudulent reporting associated with my account. Additionally, I urge the Bureau to consider imposing a fine on XXXX XXXX XXXX for the harm caused by their negligence and failure to rectify this matter. 

I appreciate your attention to this urgent issue and look forward to your prompt response.
Product: Vehicle loan or lease

I financed a vehicle through XXXX XXXX and financed by Huntington National Bank of XXXX, Ohio ... .The Loan was paid off as of XX/XX/2018 ... ..After numerous telephone calls and every possible excuse on their end, I have not received my Title ... Please HELP!!!!!! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting.I have evidence to prove my case the days of last payments arent correct as of Transunion and XXXX. The high credit is different as well as the last reported date and the date the account was open is inccurate!!!
Product: Debt collection

XX/XX/XXXX, I was notified via my credit monitoring that a charged off account was placed on my credit report from XXXX XXXX. I contacted the collection agency Transworld Systems Inc @ XXXX. They had no information about the account other than they were collection for XXXX and reporting to my credit reports. They said to call XXXX. I contacted XXXX and told them I have never ever had an account with them. They told me that I ordered a headset but refused to provide me any information related to the theft including an account number, where the item was procured from, if it was picked up in a store or mailed. I filed a police report with the XXXX Police Department report XXXX. XX/XX/XXXX, I received a copy of the police report and emailed it to XXXX per their policy. XX/XX/XXXX, I was notified via email from XXXX that they investigated the claim and determined I was not responsible. It is now XX/XX/XXXX and this charged off item is still showing on my credit report, where they stated it would take 30 days to remove me from reporting. I have disputed this item with all 3 of my credit reporting agencies and XXXX verified that the account is valid. My credit score has taken a XXXX point drop due to their negligence and lack of responding to the disputes through the credit reporting agencies.
Product: Money transfer, virtual currency, or money service

Paypal randomly closed my account and left a negative balance of $ XXXX. I had {$200.00} in my account and i could not access it because they paid in favour to a client whom i sent proof to paypal that their services were done and they were still asking for money. This left me in a serious finance situation as paypal saw it as justice to repay the client, whose services were completely done for and still closed my account. i had a positive balance of {$200.00} and i would like to have it back. my email address is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Have now been retained as attorneys for Plaintiffs XXXX XXXX XXXX and XXXX XXXX XXXX for improper use of credit report and several accounts of RESPA violations. 

Selene Finance have violated plaintiffs privacy The law states The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
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 Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX
Product: Credit card or prepaid card

Capital One processed my payment of {$460.00} to XXXX XXXX XXXX  on XX/XX/2020. The hotel canceled my reservation but never refunded the money. The dispute was filed for this charge in XX/XX/2020. Capital One refused to refund the money siding with the merchant on the ground that the merchant will provide the voucher for future stay with them and the booking was non-refundable. The voucher was a hand written paper that I got in the email from the company XXXX ( this company processed the booking ). The hotel is permanently closed. I tried to reopen the dispute. Capital One provided a link to upload the support documents. The link gives a message that Capital One are unable to upload my documents. Calling the bank customer service ends up in disconnected calls. 
The issue is that I did not cancel the booking. The booking was cancelled by the hotel due to COVID restrictions. The screenshot the hotel provided was cancellation form the hotel sent to the booking company. I never asked the hotel or the booking company to cancel my reservation. I have correspondence between the booking company, the hotel and myself to proof it. 
I provided all this info to Capital One in 2020. Probably, nobody bothered to read it. 
Did the hotel provide the proof that booking was cancelled by me? I submitted the proof that that booking was cancelled by the provider of the services. 
According to Capital One, hotels can sell non-refundable reservations, cancel them and keep the money. 
On what basis I was not provided a credit back to my account for services not provided? 
On what basis the hotel got to keep my money for the reservation they cancelled? 
The hotel got permanently closed in XX/XX/2020 and is out of business. 
I request Capital One to reopen the case and refund the charge. 
Regards, XXXX XXXX