23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Albous & Associates P.L.L.C is contacting me even by emails saying that I owe XXXX XXXX XXXX {$190.00} according to contract. I already canceled my membership with XXXX XXXX XXXX and still get emails from them saying my membership is still active. Before I joined on a contract I told them I was not interested they continued to keep calling me asking me to sign a contract I finally had to go in and sign a contract. After I sign the contract the calls stopped but I never went in the establishment or used the equipment. The calls started again when a payment did not go through as they were overdrafting my bank account without permission. I had to close the card and everything. They kept calling me saying I owe Maintance and cleaning fees? For what? Why? I never went to the gym. I never used the equipment. I never broke anything as I did not use anything at the business. I never even bought any drinks from vending machines or use locker rooms. So how do I owe any fees for something I did not use? Why should I pay for damage or cleaning for someone else?
Product: Debt collection

Already had filed a fraud complaint on TRS Recovery Services for the malicious attempt to collect on a fraud debt from a result of fraud transactions that happened from XXXX that was not Authorized thru a closed checking account where the Checking Acct number was used online and no paper check was submitted for payment. TRS Ref # s are XXXX and XXXX and XXXX and XXXX these items were never ordered or received or Authorized and request my personal information be removed deleted from Telecheck and TRS Recovery Systems Asap since the information on files is a result of a fraud transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is in violation of my consumer right by reporting a wrong information on my report XXXX XXXX XXXX XXXX that starts with XXXX, i need this account blocked completely from my report and block any future report from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I purchase and item from best buy. I did t have the card the store clerk wrote down my account number the next month, I paid the bill according to the account number given. It was wrong. They did not apply it to my account and the monet is lost in their system. I have over paid this account and they are negatively reporting g my late payment refusing to do and investigation
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX and asked why they reported a negative report on my credit when they were paid through Bankruptcy. They report XXXX this after the Bankruptcy was XXXX. I have written Transunion several times trying to get this corrected and it is still showing negative! Trans union have put on the record ( paid through payment plan and not Bankruptcy. They are not showing this as paid through bankruptcy. It was put on my credit in XXXX, and my Bankruptcy was XXXX in XXXX
Product: Student loan

On multiple days I received calls from Navient I was late on my payment due XX/XX/2019. According to my back statement Navient electronically cashed my check # XXXX for {$150.00} on XX/XX/2019. A call to customer service resulted in no assistance and a strong arm approach to make a new payment until the issue could be rectified. According to the rep the check was sent to the wrong address and not applied to my account, he further told me I had received a refund for the amount. Neither statement was true, my loan was paid 15 days early and not credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get credit information while I am seriously concerned with identity theft from experian. Please inform me what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct these items immediately : 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

Portfolio Recovery Associates, LLC ( INC ) /XXXX XXXX XXXX , XXXX is attempting to collect a debt not owed for many reasons. I am requesting full deletion of the information being reported on my Consumer Report as well as the balance showing on any accounting ledgers associated with any derivation of my name which is my private XXXX. 

Please make note of the following discrepancies I will litigate/enforce if this is not removed from all collection efforts and accounting ledgers : 1. The alleged balance is not reported correctly on my Consumer Report. See attachments.

2. The alleged balance must be reported to the United States for collection of the obligation [ per 18 USC 8 ], not to me.

3. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress.

4. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress. I do not wish to contract with Portfolio Recovery Associates, LLC ( INC ) for any reasons. This is an official notice to cease and desist collection, and a request to delete all of my information completely from their internal record keeping systems, and any reports made by them in whole, on all applicable Consumer Reports.

Any failure to comply with this request will result in further Administration and Enforcement of federal regulation.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$15000.00} XXXX XXXX XXXX XXXX  BALANCED {$470.00} XXXX XXXX XXXX  BALANCED {$740.00} XXXX XXXXXXXX BALANCED {$690.00} XXXXXXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Also, requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay such account.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello, I sent the attached dispute to Equifax XXXX and they have yet to investigate. On XXXX I sent the attached response to their stall letter. It is now past the well 30 days allowed from my initial dispute sent XXXX. I have also found out that I was apart of Equifax data breach and they are doing nothing about it. 

Equifax is not complying with the regulations of the FCRA and many other federal laws. Can the CFPB investigate this? Imaging how many other people they are affecting this way. This is unfair treatment to consumers and should not be allowed.
Product: Debt collection

IQ DATA INTERNATIONAL placed a collection report on my credit for debt that I do no owe. I have documentation cleary showing that I did not live here when the debt was owed. Ive contacted leasing office and confirmed the debt does not belong to me.
Product: Credit reporting

My husband 's company did not give him his paycheck on time. As a result, XXXX Residences, filed and eviction notice on XXXX XXXX. My husband filed for bankruptcy on XXXX XXXX, XXXX. Instead of trying to stay in our leased apartment in which we had two months remaining, we decided to move. On XXXX XXXX, XXXX, while still in bankruptcy, my husband received a collection notice from XXXX XXXX XXXX XXXX XXXX had previously received notice that my husband was in bankruptcy ). On XXXX XXXX, XXXX, XXXX reported a collection account on my credit report without sending me notice that they were collecting a debt, and did not allow me the opportunity to dispute it. I wrote XXXX and Equifax on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX regarding this debt, asking for verification but they would not respond to me. I provided proof XXXX and they have deleted XXXX from my credit report. On XXXX XXXX, XXXX, Equifax changed XXXX 's credit reporting from XXXX/XXXX/XXXX to XXXX. I have enclosed a copy of XXXX prior credit reporting from XXXX to demonstrate that the credit reporting was XXXX/XXXX/XXXX and not XXXX. Even after I had provided Equifax with proof, they still did not investigate my dispute thoroughly and willfully updated my credit report with erroneous information that damaged my reputation and caused me great financial harm XXXX job loss ).
Product: Mortgage

I applied for request for payment assistance from Wells Fargo Home Mortgage and was denied due to a processor, XXXX ( XXXX ), refusal to enter our financial information into the system so that it could be reviewed by an underwriter. XXXX stated that a colleague had reviewed the information and determined that we would not be eligible for any type of repayment assistance or any assistance at all to keep our home. I asked him on several occasions to please put our information into the system, and he refused. XXXX also stated that Wells Fargo would not be sending me any written correspondence stating that we were denied for any type of assistance.
Product: Debt collection

Collection account for me credit report for amount {$11000.00} date XX/XX/22
Product: Mortgage

This the XXXX time my mortgage servicing company XXXX Axos Bank  XXXX has failed to apply my payments to my accounts since the loan was originated XXXX  months ago. The previous XXXX issues were resolved after many hours spent on the phone and reversing late payment charges. I am requesting assistance from CFPB for systemic issues with AXOS bank. 

I have setup automatic payments through AXOS website for 'the statement amount ' and additional principal of {XXXX}. On XX/XX/XXXX XXXX was debited from my checking account by AXOS. AXOS shows this transaction within my account but has failed to apply the payment to the mortgage. As a result they show my mortgage as past due and have issued late payment fees and interest. AXOS claims that my payment was increased by {XXXX} as a result of escrow recalculation. AXOS has failed to provide any notification of this recalculation and actually refused to provide the calculations to me. Simple math projections show this increase in escrow is not justified. Further AXOS has failed to provide account statements since XXXX of XXXX. I have not received statements for the months of XXXX, or XXXX.
Product: Credit reporting or other personal consumer reports

Synchrony Financial, on behalf of Lowes, fraudulently accessed my credit report on XX/XX/scrub>XXXX I have a credit alert on my credit report due to ongoing identity theft. I called Synchrony to request they remove the inquiry. I was transferred to someone in XXXX who was adamant I give my full social security number. I refused and requested someone within the United States. To nobody 's surprise, they only needed the last four digits of my social.
Product: Credit card or prepaid card

I received an email for XXXX XXXX indicating that my account was closed with Lowe 's Store card. I haven't missed any payments on the account. I went online and found out that they will close your account when your credit score goes down. When they closed the card it made my credit score go down more. I have read lots of negative review when it comes down to this store card.The card is run by Syncrony Bank that is owned by GE. It is shame how they treat people like that. I would suggest people stay far away from this store card. Very shady practices when it comes to it. The Lowe 's store is great but the credit card is XXXX.
Product: Money transfer, virtual currency, or money service

I received a phone call from a suspected wells fargo customer service employee saying that someone was trying to access my credit card information. He then proceeded to tell me we need to perform a test in order to make sure money was not taken. He then had me make an account to wire money. He provided me with the account number and routing number to make my profile active. He had me wire {$4500.00} from my credit card to my savings account. He then mentioned that the money that was wired would be put back in my credit card as a deposit that next day and it did not. From my savings account it went into a XXXX XXXX XXXX account which I do not have an account with. That {$4500.00} went into his account. 

An open invesitgation was performed by Wells Fargo online customer service. However the case has been denied. I received a letter in the mail stating, " Our research of the online transaction listed shows that it was requested through a secure online banking session using your username and password. In addition, we found that the transaction was completed using a One Time passcode which was sent to our phone. After reviewing information available to us regarding this, we have determined that the transaction was authorized by you, or by someone who had your authorization ''. This statement is not okay. The guy scammed me into moving money from my credit card to savings account and then from my savings went into his account. In order for him to perform this " test '' he had me log in using my information, he had me verify it was me by sending me a passcode and proceeding on with the scam. He called me from a wells fargo customer service number, I thought it was my bank doing this. It was not however. He then also had me set up a wire transfer profile relaying an account and routing number that I had no idea what it was for. There is no reason for me to ever wire money. Especially for {$4500.00}. No bills I have are this much. I know the money went to this man because on my statement for my savings account it shows that money went into a XXXX XXXX XXXX account, which I never had! This investigation should not have been denied and closed. Wells Fargo did not dig into my savings account apparently. On my statement it shows {$4500.00} into a XXXX XXXX XXXX account and I do not own a chase account. I use my credit card for emergencies.
Product: Student loan

I lost my job in XXXX due to XXXX. I graduated and was unable to find a job. I am married and according to Navient my husband 's income was " too high '' to qualify for lower payments, so they suggested to put the loan on forbearance. My student loan increased from the original {$50.00} to {$98.00} in three to four years. On XXXX, I was informed that I could place my payments for 25 years and that my payments would be around {$650.00} a month. After 3 to 4 years of no negotiation towards lowering our payments, my original balance doubled.
Product: Mortgage

Have been trying to get the bank to correct my monthly payment based on a corrected Town tax rate/amount. I have sent several faxes, have spent hours on the phone, have spoken to several of their representatives about the issue. It still as on writing this note not straightened out. They seem un-willing or unable to make a simple correction to the monthly payment amount due. The town has also spoken to ... .and faxed information to the bank. Now, they have my account is " suspense '' because I am not paying the incorrect payment amount they keep saying that I owe. I have been paying an amount that was provided to me by XXXX of their employees. As soon as today, the Town again faxed the correct tax amount due to the bank ... ..who just recently made a payment to the town that Was not due until XXXX XXXX. I do n't know what to do with this bank. They seem to be unable to correct something that should be simple and with no hesitation. There seems to be poor communication between their departments. Please help. I have plenty of documentation that I could sent. It would take me some time to organize it all ... .as there is a lot of it.
Product: Credit reporting or other personal consumer reports

I have no contract related to the account attempting to collect a debt.
Product: Mortgage

My XXXX does not reflect the correct amount paid for property tax. I have contacted the mortgage holder ditech 3 times to get it corrected and it is still incorrect, The law requires a XXXX be delivered by XX/XX/31 and delivering an incorrect one amounts to not delivering one. It is impeding my tax filing.
Product: Vehicle loan or lease

On XX/XX/XXXX two month ago i bought a car XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX phone # XXXX XXXX XXXX the car was advertise for XXXX i confirm the price over the phone before i go there. when i went the price was XXXX i deal with it because i need a car right away. That is false advertisement Then they say the car come with more service but they never discuss any price with me. they give me so much papers to sign very quick it was already XXXX XXXX because XXXX make me wait a very long time before they rush me to sign a bunch of papers. when i check the paper contract 2 days later i notice extras charges for key replacement XXXX maintenance just oil change only up to XXXX XXXX miles XXXX gap insurance security XXXX plus tax on all services XXXX plus the interest rate in the total amount i ask to cancel all those Services. This is the message Cancellation Confirmation from my Email that XXXX agree to refund me Your refund will total as follows : Maintenance {$1100.00} Gap {$1400.00} Key {$400.00} -- -- -- -- -- - {$2900.00} + {$95.00} ( tax ) -- -- -- -- -- - < $ XXXX ( total ) Your total interest over the loan was : {$5300.00} once the refund amount posts : {$4200.00} -- -- -- -- -- - < $ XXXX ( Obviously will vary if you pay off faster ) XXXX say the XXXX plus interest will be refund between 6 to 8 weeks .During the two month i receive many email advertisement to buy a new car I contact the loan financial two month later i was told they never receive my cancellation paper that i signed in the dealer 2 days ago on the XX/XX/XXXX i call all day everytime the assistant transfer the call to financial department no one pick up the phone or call back. I call XXXX main line many time He never pick up and he never call back. I left many message for general manager sale manager finance manger XXXX XXXX different manager none of them pick up the phone none of them returned the call. The assistant that pick up the phone told me many time they are too busy to talk to me. I don't go there because the last time I went to sign the paper they make me wait a long time and when XXXX finally come he was Rude and unprofessional They even charge me pre delivery charge XXXX i pick the car in the dealer and it's a used car that is my first time buying a car by myself as I told them. i research about that charge it s for new car from manufacture the dealer need to refund the total amount for the extra service XXXX plus the interest they add in my loan without discussing any price with me. Just has the agree to cancel the service and refund the price And for wasting so, much time they need to refund another {$300.00} Also refund the XXXX delivery charge And Stop doing false advertisement For their cars
Product: Debt collection

RADIOLOGY AND XXXX  XXXX  HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE. 

DELETE AND REMOVE. DO NOT SELL, TRANSFER, SELL OR RE-REPORT.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 we noticed that {$18000.00} had been removed from my savings account at Wells Fargo. My wife 's phone was hacked somehow. These funds were transferred via bank wire without our knowledge or or authorization by us. We recognized this quickly and contacted Wells Fargo immediately that same day. We froze our savings and checking accounts for fear additional funds would be stolen. After filing a claim report with Wells Fargo online we went into the Wells Fargo Branch ( XX/XX/22 ) in XXXX XXXX, CA and spoke with a banker. The banker mentioned the wire fraud was under investigation and that this process can take some time as they have to first try and recall the wired funds from the receiving bank. If those funds could not be recalled Wells Fargo would reimburse us per insurance. We followed up once a week and each time they would only advise that the claim was still under investigation with no updates. I finally received a letter from Wells Fargo in the mail on XX/XX/22 claiming their investigation has concluded and that the online wire transaction we disputed would not be covered by Wells Fargo. They claim we can not be refunded due to their Online Wire terms and conditions, Online access agreement and deposit account agreement. We did not release any sensitive information or provide authorization to any third party nor have any knowledge of the fraudulent wire itself. In my entire time with Wells Fargo which has been nearly 20 years I have made 1 wire in person. Why was $ XXXX not flagged or shown as suspicious activity in my account?