23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is for a collection account on my XXXX credit report. The account showing is Mountain America CU. Listed XXXX/2019. It has them as a lender. I have not taken out any loan or account with this company. For my report it does not show any account number just X 's and the amount showing is {$1.00}. 

I have contacted this company on several occasions and not able to get an resolution. I have spoken with customer service and fraud departments. Either some representatives are not able to either verify me ( which would make sense ), and others pick up info regarding an entirely different person. Provided address and that is not what they have on file for any account. 
I have asked for detailed information to be sent regarding account to me but they have yet to do so. Some stating since they are not able to verify then they can send. I notified them if that is the case how you are reporting something to the credit companies? This collection account is false, erroneous and fraudulent. 
Is it not true that a company has to notify a customer before placing items on a credit report. I never received any notification. This account is fraudulent, and has negatively impacted my credit and personal life for years. Please remove this account from my XXXX report and as well any information regarding this account.
Product: Debt collection

I've been contacting Portfolio Recovery about a debt they are trying to collect without having proof that the debt belongs to me. Please help me with rectifying this matter. I have attached the proof provided by Portfolio Recovery.
Product: Vehicle loan or lease

CRB Auto recently changed to Mechanics Bank, and now their website doesn't work. My car payment is due in 4 days and I've never had a problem paying my bill. Today I tried to log in but got an error message saying my user name or password was incorrect. I clicked on the " forgot password '' button and it said to enter my user name and a temporary password would be emailed. I entered my user name and it said there is no account with that user name. I clicked on " forgot user name '' and it said an email would be sent to the email address on file, but I never received an email. 
I have never had a problem paying my bill while it was CRB Auto. Mechanics Bank must have done something because now I can't pay my bill. Not sure what to do. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of deceptive practices performed by Equifax,   XXXX   XXXX    XXXX , and TransUnion. I am paying monthly fees to track my Fico score with Equifax,  XXXX , and  XXXX . I have applied for  XXXX  loans and each time I was denied by the lender because of the scores reported to the lender by Equifax,   XXXX   XXXX    XXXX , and  XXXX . Equifax has consistently reported a much lower score to the lender than the score I purchase from them every month. I should be entitled to know exactly what Equifax is going to report to a lender before I apply for any loan. This way would save everyone time and embarrassment. Because of the  XXXX  different numbers presente d (   XXXX  to me and a different number to the lender  ) Equifax ha s lied about providing me access to my Fico score. I filed a complaint with Equifax and   XXXX   XXXX    XXXX  in  XXXX  through the Illinois Attorney General   (    XXXX   reference   XXXX   ) and I  got no results. I was denied a loan on  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  based on information received from Equifax and   XXXX   XXXX    XXXX . I was also denied a mortgage loan on  XX/XX/XXXX  based on information from TransUnion.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach and request that the following accounts and inquiries, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized accounts and inquiries removed from my credit report. 
Accounts for Blocking and Deletion : XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$650.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$630.00} XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$170.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5200.00} Inquiries for Blocking and Deletion : XXXX. XXXX XXXX o XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  o Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX o Inquiry Date : XX/XX/XXXX
Product: Debt collection

My wife bought a time share at XXXX XXXX in XXXX, VA. The property became run down under the original management company and an XXXX XXXX was formed to take over management responsibilities. In XXXX the XXXX XXXX XXXX did an inventory of the property and determined that time share owners would have to provide over {$1000.00} in a XXXX to renovate the property to a minimum standard, On Auguest XXXX, XXXX my wife and I paid this XXXX with an elecronic check drawn on my wife 's account at her XXXX XXXX. The amount that we paid was discounted because we paid early and in full. On XXXX XXXX, XXXX, three mongths after making the XXXX payment in full and clearing the Deed of the time share of all encumbrances, my wife deeded the time share to me through a Deed of Gift. 

Several months ago in XXXX I began receiving telephone calls and letters from XXXX XXXX XXXX XXXX XXXX in XXXX, NC demanding {$1100.00} for an alleged debt to XXXX XXXX XXXX XXXX. After several attempts to discover the nature of this alleged debt, I understood that the XXXX XXXX claimed that I had n't paid the XXXX. I tried phoning the XXXX XXXX over a dozen times to find out if they had mis-applied my payment as they had done in the past or if there were some other clerical error. They never answered their phone. I left voice mail messages identifying myself and asking that they phone me back. They never returned any of my calls even though I am a member of the XXXX. XXXX refused to answer questions about the validity of the debt and just asked if I was going to pay by check or credit card. 

After sever harrassing phone calls, I managed to have XXXX agree to stop calling until I provided a copy of the cancelled check. After several atteempts to provide a copy of the front and back of the cancelled check and XXXX claiming that they never received it, I mailed a copy of the check to them and considered the matter closed. 

A few weeks later I received another letter from XXXX demanding payment in full of the {$1100.00}, I was perplexed to say the least. 

After several more harrassing phone calls, I discovered that the XXXX XXXX XXXX XXXX was attempting to collect TWICE for the same debt : once from my wife, which was paid in XXXX XXXX, and once from me, claiming that these were separate accounts for the same timeshare. This is tantamount to fraud : they are attempting to collect the same debt twice even though it had been paid in full. If this practice is legal, someone should make it illegal ; it is certainly immoral.
Product: Money transfer, virtual currency, or money service

Hi, I transferred my money from XXXX XXXX XXXX to my account in XXXX XXXXXXXX, XXXX on XXXX XX/XX/2021 ( XXXX IST ) thru western union - XXXX number XXXX. ( tracking number ) Today XX/XX/2021, money has not been transferred yet to my XXXX bank account, which is supposed to deposit on XXXX XX/XX/2021. 

I called so many times to westurn union customer care about transaction status, nothing happened, no action or no email, no communication from western union. only case has been raised ( XXXX XXXX XXXX XXXX in western union system. I paid almost 8 time more transaction fee ( approx. {$24.00} ) than usual transaction fee ( {$2.00} ). 

I am really frustrated with western union customer care service, gave different time line to resolve issue, someone say it's take 24hr or it may take 2 month so on & on. 

Please help me to resolve this disputed transaction on priority. I am in need of my money back to my account asap. 

,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, Payment Information : Card Type : Visa Card Number : XXXX Expiration Date : XXXX XXXX XXXX : XXXX Transaction Type : Purchase Payout Information : Today 's Date : XX/XX/2021 Date available in Final Receiver 's Country : XX/XX/2021 Delivery Method : Final Receiver 's bank account Billing Summary : Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Promotion Discount : - XXXX USD Total : XXXX USD Transfer Summary : Exchange Rate : XXXX USD = XXXX INR Transfer Amount : XXXX INR Total to Final Receiver : XXXX INR For all transfers, Final Receiver XXXX receive less due to foreign taxes. For transfers to a bank account, XXXX XXXX XXXX also receive less due to fees charged by the XXXX XXXX 's bank. 

You have a right to dispute errors in your transactions. If you think there is an error, contact us within 180 days of the date we promised you that the funds would be made available to the XXXX XXXX at XXXX or https : //care.westernunion.com/us/en/ask. You can also contact us for a written explanation of your rights. 

Subject to applicable law, you XXXX cancel for a full refund within XXXX minutes of payment, unless the funds have been picked up or deposited. 

For inquiries or comments, please visit https : //care.westernunion.com/us/en/ask, e-mail XXXX XXXX XXXX XXXX to : XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX call : XXXX For questions or complaints about XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX ( TTY/TDD ) www.consumerfinance.gov
Product: Checking or savings account

I feel bad I was discriminated against as there were multiple overdrafts on my account in the past since the opening of my account which hasnt been resolved. They kept changing me arbitrarily on overdrafts without any reason. 

I had disputed several charges but they still allowed those charges to continue.
Product: Credit reporting or other personal consumer reports

I purchased a product that was financed through GreenSky and backed by Goldman Sachs. I paid off the account in XXXX of XXXX and the company stopped reporting to my credit entirely. However, they failed to show the account as paid in full and a balance remains ( XXXX  XXXX  ) of {$15000.00}. I have called the company 3 times and, to date, the credit has not been adjusted to show that the balance has been paid. The company responded to my credit dispute in XXXX that the " account is reported correctly '' which is also a false and misleading statement indicating that thee company does zero research into customer concers relative to credit.
Product: Debt collection

Company did not send notification of an outstanding debt. No invoice requesting payment was ever sent. Because an invoice was not received, I was unaware that a payment was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
XXXX XXXXXXXXXXXX XXXX XXXXXXXX PLEASE HAVE THE INQUIRIES DELETED FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB Complaint Letter Inaccurate Late Payment Reporting by American Education Services Subject : Dispute of Inaccurate Late Payment Reporting by American Education Services Dear Consumer Financial Protection Bureau, I am submitting this complaint against American Education Services ( AES ) regarding inaccurate late payment reporting on my student loan account # XXXX. 

I filed for XXXX XXXX XXXX on XX/XX/XXXX, which was discharged on XX/XX/XXXX, as reflected in my credit report. However, despite my bankruptcy status, AES reported multiple late payments during or immediately after the bankruptcy process, which I believe is inaccurate and unfair. These late payments have significantly impacted my credit score and are making it difficult for me to recover financially.

Key Issues with Reporting : AES reported multiple late payments all at once after my bankruptcy was discharged, making it appear as though I had an extensive delinquency rather than a protected bankruptcy status. 
These late payments were not reported in real-time but were instead submitted in a way that severely harmed my credit standing post-bankruptcy. 
The Fair Credit Reporting Act ( FCRA ) requires that all reported credit information be accurate and fair, and I believe this reporting is misleading and unjust. 
Attempts to Resolve the Issue : I have already : Disputed the late payments with the credit bureaus, but they have not been corrected. 
Contacted American Education Services directly and requested a goodwill adjustment to remove the late payments, but they refused to make any changes. 
I am requesting that the CFPB investigate this issue and take appropriate action to ensure that AES updates my credit report fairly by removing these late payments. 

Although I do not have a copy of my bankruptcy discharge letter at this time, my credit report clearly reflects the discharge date ( XX/XX/XXXX ), which should be sufficient for verification. 

I appreciate your time and attention to this matter and look forward to your assistance in ensuring fair credit reporting. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX
Product: Credit card

In XXXX of XXXX I was contacted by phone and asked if they could count on my support AGAIN for the local police dept by purchasing an ad on a XXXX calander. This was routine and I gave em my Capital One card #. Come XXXX hadn't received it, waited til XX/XX/XXXX or XXXX started calling XXXX XXXX only to find the numbers weren't working anymore. I then called Capital One to dispute it. About 2 weeks later they asked for me to upload any receipts or documents about the case in which I had none and the gal I spoke to said to write it out on paper and upload that to a particular address. So I did plus I sent a previous year 's calander. A couple weeks later they closed the case saying I was past the 60 days to dispute it. So I called Capital One back and tried explaining it was protocol for them to take 4-5 months to sell the ads, design, print and distribute. I was told to call back and ask for a supervisor to reopen case. Frustrated, I went back on line searching for the merchants number, clicking links with BBB and so forth, I finally talked to a person and they claimed they never received payment, therefore no calander or advertisement. So I called and made contact with Supervisor XXXX XXXX, at Capital One whom not only called the merchant a liar, but myself as well, he made contradictions concerning the time limit for disputes ( 30 days, 60 days ) He wouldn't give me any information as to whom they paid the {$250.00} to, he said I must've called the wrong people. I asked to speak to his supervisor and he claimed to be " The supervisor '' when I asked if he had a boss, he said they don't take phone calls. He said the only thing for me to do was to file a complaint against the merchant.
Product: Debt collection

1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 
2. Although I had no knowledge of this account, since it was on my credit profile, the debt was discharged in bankruptcy. 
3. This information was also shared illegally ( third party ) without my informed consent.
Product: Money transfer, virtual currency, or money service

I'm using cash app and I had money took from my account without notice a head of time that I owed anything as they usually would.
Product: Credit reporting or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is absolutely horrendous to deal with. They do not provide clear manners in which to reach a live customer support agent. My account with them ( which had a security freeze ) was provided a pin. I lost the pin. When I tried to lift the freeze to allow myself to get a mortgage, I was unable to do so. I needed the mortgage urgently. However, they did not provide any direct customer service manner to lift the freeze. I had to upload my Drivers License, social security number and bank statement. However, they gave no indication that they received the documents. 

They make it very easy to sign up for a paid service. However, they make it nearly impossible to remove or temporarily lift a service if you have misplaced one item. This is horrible service and results in false advertising and possibly financial hardship. One only need to go online to see how many people have trouble getting " real '' phone numbers to spake to an agent with th
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regard to several accounts that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to TransUnion several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report XXXX, I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX. I have even sent copies from XXXX & XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect
Product: Checking or savings account

My phone, and wallet phone case was stolen. And there's been fraud activities on both of our accounts, including getting into XXXX of our kids bank accounts. I don't know how they're doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 3 months I have attempted to secure a personal loan primarily applying online. I have been denied due to excess delinquencies. I believed the responses were an over exaggeration of my credit, as I only have one outstanding debt. On Monday, XX/XX/2018, I once again attempted to secure a personal loan with XXXX   XXXX XXXX XXXX, via telephone and during the the application process I was asked to explain why a number of my accounts were in collections. I currently have one outstanding collection account that I have been attempting to settle. No other active account is currently nor have they been in the past in collections. Technically, I have one account that can be considered delinquent. I checked on my XXXX account, that is who XXXX  XXXX used, so as to dispute any accounts showing errors and there is only one account showing up in collections. The error can not be with the creditor 's. If the creditors were reporting misinformation the credit bureau would be showing that information and it is not. Therefore, the information being transmitted to potential creditors is where the problem lies.
Product: Credit reporting, credit repair services, or other personal consumer reports

CarMax has reporting a increase in my balance to all 3 credit bureaus of {$470.00} between XXXX -- XX/XX/XXXX which is not correct. This cause my credit score to decrease I called CarMax on XX/XX/XXXX and was told a update goes out to credit Bureaus around the XXXX of every month and one was sent out XX/XX/2022 with and less amount. This this does not change the fact the incorrect reporting from the previous month caused a negative affect on all 3 of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several dispute letters in regards to public record information being reported about me on XXXX, XXXX an Equifax. I sent out letters on XX/XX/2020 to each company requesting their method of verification in regards to the public records and they have failed to respond to this letter within the allotted time of 15 days. It is now XX/XX/2020 and I have yet to receive a response about my dispute. Please remove this account immediately for failure to adhere to the FCRA and reporting unvalidated information!
Product: Student loan

In XX/XX/2016, I was notified that my rates would be changing as my IDR was expiring in XX/XX/XXXX ( even though I applied/was approved on XX/XX/2016. I figured I would take the time to reapply anyway as to be ahead of the curve and not have to deal with any issues last minute. I received notice from Navient on the XX/XX/2016, via email stating " Your IDR renewal has been approved. '' The email went on to say " We 'll send you notification advising you of your new payment amount after your current plan expires on XX/XX/2016. '' I have yet to receive any sort of email notifying me of such, and upon logging onto their website today for tax purposes have noticed starting next month I have a payment amount of $ XXXX/month which needless to say, I ca n't afford, hence, why I applied for the IDR. As far as I can tell, no actions have been taken on their behalf to uphold my renewal, and I am still in the original IDR that was put into effect on XX/XX/2016.