23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX I received a postcard from XXXX XXXX XXXX XXXX requesting that I update my address with them, I called and I was told that I had 2 accounts with XXXX XXXX XXXX one was XXXX and the other one was in XXXX.And the amounts was {$640.00} and the other one was for the amount of {$170.00} cents, I explained to the rep that if I had owed that amount, I would not of been able to receive service with XXXX XXXX XXXX , and my services is active.She then stated that in XXXX I had agreed to pay, I then stated to her that is incorrect, I have never agreed to pay, and I am not agreeing to pay.I also informed her that XXXX XXXX XXXX is not showing on my credit report.I also called the Office Of The President Of XXXX XXXX XXXX and informed her of what Portfolio Recovery had stated and she then reached out to the XXXX XXXX XXXX collections and  Mrs.XXXX XXXX called me and stated to me that she had found something, but it was not in collections and she could not make me pay, and that XXXX XXXX XXXX does not use Portfolio Recovery as there collection agency, and she stated that she would be happy to back me up, and I needed to file a complaint on Portfolio Recovery.In XXXX I had received a letter from a attorney recording a class action lawsuit against them for calling people and harassing them.I have had several accounts with XXXX XXXX XXXX and I have never been told that I have to pay a back balance in order for me to receive services with them.Once again they is trying to start harassing me on something that I does not owe.I have changed my last name due to getting married back on XX/XX/XXXX XXXX.My name was XXXX XXXX, and now it is XXXX XXXX.
Product: Debt collection

See demand letter Ive attached below.. 

XXXXXXXX XXXX and Columbia debt Recovery are trying to collect false debt, interest rates and more
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE ABOUT THE TWO BANKRUPTCY ON MY CREDIT REPORT. I SPOKE TO THE COURTHOUSE CLERK. SHE EXPLAINED TO ME THAT THE COURT SYSTEM DOSE N'T REPORT ANYTHING TO THE CREDIT BUREAUS.

IT IS A THIRD PARTY THAT REPORTS THIS TYPE OF ACCOUNT. ON MY CREDIT REPORT THE REPORTING COMPANY IS THE : XX/XX/XXXX {$0.00} Dismissed Overview Reference Number XXXX Date Filed XX/XX/XXXX Classification Bankruptcy Type Chapter XXXX Bankruptcy Responsibility Individual Asset Amount XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Institution Information USBK COURT XXXX GEOR XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ( XXXX ) XXXX Chapter XXXX Bankruptcy : Bankruptcy XX/XX/XXXX {$0.00} Dismissed Overview Reference Number XXXX Date Filed XX/XX/XXXX Classification Bankruptcy Type Chapter XXXX Bankruptcy Responsibility Individual Asset Amount XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Institution Information USBK COURT XXXX GEOR XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XX/XX/XXXXXXXX ( XXXX ) XXXX THE COMPANY THAT IS SUPPLYING THIS IS XXXX, I HAD ALSO CALLED THEM AND ASK THEM TO REMOVE ME FORM THERE DATABASE OF INFORMATION. STILL NO HELP. 

THE CREDIT REPORT NEED TO SHOW THE CURRENT COMPANY. THIS NEEDS TO BE REMOVED FROM MY CREDIT BECAUSE THE REPORTING COMPANY IS INCORRECT ON MY CREDIT REPORTS.
Product: Vehicle loan or lease

Hello. I purchased XXXX BMW XXXX ( XXXX ending XXXX ) from XXXX XXXX XXXX on XX/XX/XXXX. Total amount that have been financed ( by BMW Financial Services, account ending XXXX ) {$94000.00}. During a car purchase XXXX purchase also XXXX protection. On XX/XX/XXXX comprehensive damage occurred. XXXX XXXX XXXX decide that it is a total loss claim and issued XXXX checks to the lender, that have been cleared on XX/XX/XXXX ( per XXXX XXXX XXXX, claim # XXXX ) for the total amount of {$73000.00}. During the XXXX XXXX XXXX claim process I contacted XXXX insurance in order to check step for the process. They said that claim will be opened automatically as soon as XXXX XXXX XXXX will close their part and pay to lender. XXXX claim have been initiated on XX/XX/XXXX ( claim # XXXX ) on the amount of {$18000.00}. XXXX XXXX issued credentials for their portal to me, where I found requirements. They asked me to upload some documents and I did. However, XXXX of the document : XXXX XXXX have been rejected. XXXX XXXX have been prepared by XXXX XXXX XXXX company and I upload it into XXXX XXXX so many times. However it still rejected. I called them many times but XXXX associates mention that XXXX XXXX doesn't meet certain requirements. And didn't clarify what these requirements are. On XX/XX/XXXX I got email from XXXX XXXX XXXX XXXX associate with request to contact them regarding my GAP claim. I reply back, and asked who is this company because my GAP agreement was with BMW. They said that XXXX XXXX XXXX is actual GAP insurance company and I have to call and talk to them. I called them, they said that the problem is in amount in XXXX they got from XXXX XXXX XXXX and the actual checks that have been issued. I asked them if they can provide any documentation to me, copy of checks, anything, they denied my request and said I have to contact XXXX XXXX insurance. I called XXXX XXXX XXXX and talk to them again, they confirmed all previous information and mention that both checks have been cleared on XX/XX/XXXX. On XX/XX/XXXX I got email with letter from BMW Financial Services that my due balance {$18000.00} and I need to make payment immediately. On XX/XX/XXXX I initiate conference call between XXXX XXXX agent, me and XXXX company. XXXX XXXX XXXX representative again confirmed all information, all numbers and dates and sent XXXX XXXX again directly to emails that he had for them. XXXX agent refused to provide any contact information for management, or adjuster/investigator who work on my claim, and said they don't have phones. 
Till this day nothing changed. I'm trying to find a solution on that situation. 
All documents and email chains contain my personal information. I don't upload it right now, please let me know if I need to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my mortgage on XXXX XXXX. XXXX reported on my credit report as 120 days late at the same time as reporting my mortgage was paid off. I was in Forbearance due to COVID but have never been late. I have contacted my mortgage servicing company at beginning of XX/XX/2021 to have them take this off my credit. To this day I still have no resolution.I have also disputed it with all 3 credit bureaus still no resolution. My credit score has plummeted due to this false negative report on my credit.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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
Product: Debt collection

VALIDATION AND CEASE AND DESIST LVNV XXXXResurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dear CEO of LVNV I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed in XXXX XXXX that a hard Inquiry was made for a XXXX XXXX  credit card that I had NOT solicited. I have already called bank various occasions, complained about it, they checked, verified that whoever did solicited a credit card was not me, said they would report to credit bureau ( Trannsunion, XXXX, XXXX, but nothing has change. That was XX/XX/XXXX. But already it had happened before on XX/XX/XXXX. II  always tell XXXX to write down that I have not and will ot apply for a credit card with them, whoever does will NOT be me. It never is taken off my credit report. I did NOT solicited a credit card with XXXX XXXX. Please help me out here.
Product: Debt collection

TSI/XXXX IS TRANSWORLD SYSTEM INC ON MY CREDIT REPORT AS BEING OPEN FOUR MONTHS AGO.AND UPDATED XXXX XXXX. NEVER HEARD OF THE AGENCY NOR HAVE I EVER BEEN CONTACTED, VIA PRIORITY MAIL, EMAIL, PHONE, AND NO LEGAL DOCUMENTS. NOTHING SHOWING ANY SIGNATURES AS PROOF.ALL INFORMATION IS INACCURATE INFORMATION. BEEN OVER 60 THIS COMPANY HAS NOT PROVIDED ANYTHING TO PROOF THE THAT THE AMOUNT LOAN OF {$14000.00} IS MINDS. JUST HARASSMENT CALLS DAILY, ASKING TO VERIFY MY IDENTITY AND PHONE NUMBER, ADDRESS, ETC. THEY MIGHT BE A LEGITIMATE COMPANY WHO ARENT FOLLOWING THE RULES, JUST THEM REPORTS TO CREDIT REPORTS. NO ACCURATE INFORMATION
Product: Student loan

I received a response to compliant # XXXX where the student loan provider 's response was that they could not reduce my payments. I received a call from the collection department on XXXX/XXXX/16 and the agent stated the he would try to help me arrange monthly payment arrangements. The terms were that I make the first payment via my checking account of {$130.00} on XXXX XXXX, 2016 - no payment due in XXXX - regular payments to start on XXXX XXXX, 2016 ( {$130.00} ) I agreed to these term and signed this agreement via pressing the # key on my telephone keypad. Later that evening, I received a call from the same agent ( XXXX ) stating that I must agree to another agreement, whereas I would now have to make a payment in XXXX in addition to the payments I agreed to earlier that day. I want to file another complaint against Navient Solution. Each time an agent calls me, I receive different terms for my student loan. I feel I should n't have to agree to another agreement, if I electronically signed the terms I agreed with earlier that day.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against cash app ( block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These action have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding TransUnions grossly inaccurate and fraudulent reporting of a XXXX XXXX XXXX account on my credit report. 
XXXX XXXX XXXX : XXXX Incorrect Status Reporting : TransUnion is reporting the account as open with XXXX late payments, while simultaneously listing the account as closed/charged off. 
This contradictory reporting is not only inaccurate but has also caused significant damage to my credit score, further compounding financial harm. 
Account Ownership Discrepancy : I have only XXXX legitimate XXXX XXXX XXXX account, yet TransUnion is reporting XXXX accounts. 
XXXX of these accounts is entirely unverifiable, as I do not own it, nor does XXXX XXXX XXXX have any record of it. 
Violation of Federal Law : Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), TransUnion is required to follow reasonable procedures to ensure maximum possible accuracy in credit reporting. Reporting an unverifiable account and contradictory account details clearly violates this requirement.

Additionally, 15 U.S.C. 1681i ( 5 ) ( A ) mandates that TransUnion delete or correct information that can not be verified during a dispute. Despite my formal disputes, these inaccuracies persist. 
Failure to Verify Ownership : TransUnion has failed to provide any documentation or proof that I own the second XXXX XXXX XXXX account, as required under 15 U.S.C. 1681b.

These reporting failures have had a devastating impact on my credit score and financial health. Despite my attempts to resolve these issues directly with TransUnion, they have refused to take corrective action.
Product: Money transfer, virtual currency, or money service

For over a half month now, BlockChain.com Inc ( US ) has stolen all my crypto and despite multiple complaints here and " conversing '' with them, they refuse to give my crypto back. 
I can only conclude Blockchian.com is a Ponzi scheme so I'm here to warn as many other people as I can. 
All of a sudden my money was gone -coincidentally as I wanted to check out of their scheme. Coincidence? I guess not.
Product: Credit reporting or other personal consumer reports

Upon review of my credit report I discovered some items that were inaccurate as a result of either an oversight or your willful non compliance with the FCRA laws. 

In re Reed, 492 B.R. 261, 27172 ( Bankr. E.D. Tenn. 2013 ) they ruled if a financial institution has filed a Form 1099C with the Internal Revenue Service, cancellation ordischarge of a debt has, in fact, occurred. 

They stated it was inequitable to require a debtor to claim cancellation of debt income as gross income while still allowing the creditor to then collect it from the debt and that issuance of a 1099C, when coupled with payment of income tax, canceled an otherwise collectable debt. 

This is also showing a a balance owed on a cancelled debt and also this has been classified as income not debt so these inaccuracies violate15 USC 1681e ( b ) for maximum accuracy reporting You are therefore violating the 15 USC 1681eb for maximum accuracy by inaccurately reporting INCOME as a debt .ALSO Income is prohibited from consumer reports 1.XXXX XXXX  {$3500.00} 2. XXXX XXXX XXXX If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may NOT subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ) 3. ) - [ ] Promptly modify or delete the information, or block its reporting add statement such as " customer has disputed the validity of this item Section 623 ( b ) ( 1 ] ( E ). As well as the 15 usc 1681s-2 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. You did not enter this notice of dispute ; you received my dispute on XXXX XXXX and didnt enter dispute remarks for XXXX XXXX and because you didn't enter it, your company is in violation. NO STATEMENT was added SEE ATTACHMENTS SHOWING NO STATEMENT VIOLATION. 
1.. XXXX XXXX XXXX In accordance with 15 U.S. Code 1681s-2 ( a ) ( 3 ) : You did not enter this notice of dispute ; you had 30 days from date you received my 1st dispute and because you didn't enter it, your company is in violation and I demand this be deleted immediately ALL OTHER CRA 'S HAVE COMPLIED WITH THE LAW AND REMOVED THESE VIOLATIONS SEE ATTACHMENTS 1099 C ID
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the referenced accounts below and ask that they be verified and validated and they were neither verified or validated accurately. TransUnion is in violation of many of the FCRA laws which will be brought up in court if the errors are not corrected. Due to TransUnions lack There of investigating I want the accounts removed. The accounts have been reporting inaccurate information consistently and fails to do the right thing. According to FCRA all information must be ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX inaccurately reporting information and this is a violation of the FCRA and they can be fined or pay fees due to this. 

XXXX -inaccurately reporting information and this is a violation of the FCRA and they can be fined or pay fees due to this. charged off account consistently reporting a balance monthly also XXXX inaccurately consistently reporting information is a violation of the FCRA Credit usage - % credit usage unavailable Balance {$650.00} Balance updated XX/XX/XXXX Credit limit SO Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Professional debt mediation- consumer reporting agency failing to verify and validate also inaccurately consistently negatively updating information is a violation of the FCRA
Product: Mortgage

I had XXXX XXXX in XX/XX/XXXX. I had a bad fall in XX/XX/XXXX and spent two weeks in the hospital. PennyMac contacted me and claimed I was behind two payments. I agreed to a repayment plan and made the first payment by phone, in XX/XX/XXXX. I had a second payment due XX/XX/XXXX, a third on XX/XX/XXXX, to resume regular payments XX/XX/XXXX. I have been calling the PennyMac numbers to make payment but they do not answer. Instead they put you in a phone loop that eventually hangs up. I posted a complaint on their XXXX page and they replied within hours, saying they would have a specialist look into this and contact me. That was a few days ago. I still can not make this payment. They suspended my ability to pay online due to the special payment plan. Im so frustrated and worried. This is so unfair!!! I have plenty of money to make payment, I simply can not reach them to do so! Please help me.
Product: Mortgage

A notice of default was filed on XX/XX/XXXX against the Estate of XXXX XXXX XXXX who is the borrower -- now deceased -- on a HELOC illegally obtained in XXXX. Her XXXX daughters as co-personal representatives were served notice of the default. in the The lien on my property is in the amount of {$500000.00} because she used my home as collateral without my approval or knowledge. She manipulated recorded ownership documents to qualify. My home address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( mailing address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ). XXXX was using an expired trust to convince Wells Fargo mortgage department that she was eligible to act as trustee for her daughter 's estate, the Estate of XXXX XXXX which was the legal owner of record of the property at the time. She was granted a personal loan by claiming it was her primary residence which it was not. In fact, all correspondence to her went to her personal primary residence on XXXX XXXX and not our home. We are subject to the foreclosure. This is negligence and fraud on the part of Wells Fargo as conspirator in granting this loan.
Product: Credit card or prepaid card

I was scam by Chime XX/XX/2023 for about of XXXX. I got a called from chime that morning saying someone in Florida was trying to use my checking account they was going to stop the card and make sure nobody use it because they see I'm in XXXX XXXX so the person who called said they sending me some codes to stopped the card and from them taking my money so they start sending code asking what's the codes I told them remind you I trusted them because they called from the chime number so they told me wait to 10 to 15mins as the continue working with me I waited they said your card close another one will be in mailed 7 to 10 business days I get on there to check my card they remove money out my XXXX XXXX to my checking and start purchasing something at the pharmacy at XXXX I had five different purchase two of the amount of XXXX, another two of amount XXXX, also one purchase of XXXX I called chime they put it in investigation they representive said I can see you didn't purchase this because your purchases haven't never been out there I been with them for years now the representive then start the dispute as we doing that someone tried to link my card to a XXXX XXXX she stop all international transactions and block them I then get a email saying they didn't see anything wrong like I made the purchase
Product: Vehicle loan or lease

XX/XX/year> repaid auto loan from Bank of America in full and sold the car. 
As of XX/XX/year> still have not received loan lien release. 
Called 3 times and was told " it should have been sent ''. Was not given any tracking information or any proof that it was sent. Was told that they will resend which should take 20 business days. 

According to 301.640 section of Missouri State Law, lien has to be released within 5 business days.