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

I started with a company called Freedom Debt Relief. Who claimed that they would help settle my credit card debt for 50 % or more less than what I owed. Work with the creditors to get the settled debt either removed from my credit report or set paid in full. My enrolled debt was {$14000.00} on 5 credit cards. They said they would resolve my debt in a period of 3 years for less than {$10000.00} and by the end of the program they would have all my accouns settled and my credit would be repaired. They did get my accounts settled for less than owed but their fees ( which they didn't tell was going to be near what it was ) 1 account in particular I ended up paying more than what I owed because of their excessive fees. At the end of my program when everything was done my total cost was {$14000.00} and my credit is ruined. Every account that they settled is reporting charge off acount settled for less than owed. Now my credit is way worse than if i had not paid anything at all. I just wanted to get out of credit card debt and getbmy credit back over 700 again. I settled a debt with one creditor myself and paid {$2200.00} on a {$3500.00} debt and they removed it from my credit completely and really helped me. So I could have done everything they did by myself and would have saved a lot more money and got my credit back to good standing. They deceive people and take advantage of people then when you finish the program you may save a little bit but they aren't going to help you with anything related to your credit repair like the man promised they would. I really feel cheated and taken advantage of I mean I could have paid the money to the credit card companies myself and had my credit report in good condition but because of a beautiful lie and false promises I don't know how to get my credit repaired. If anything the creditors could just remove it from my report like XXXX XXXX  did for me. I got it done. So why can't they. Otherwise what did I pay these people for? I could've done the exact same thing they did and it wouldn't have cost me anything. I paid them more than what I owed most of my creditors. They never said anything about charging more than 50 % of the settlement amount. Enrolled debt {$14000.00} settled for {$9300.00} total paid to them {$14000.00} that means that I paid them {$5600.00} in fee 's. So they could destroy my credit.
Product: Money transfer, virtual currency, or money service

I made an account with Coinbase several years back when it was within there terms of service for a XXXX year old ( XXXX ) to become a member. Come 2 years later ( XXXX ) when I am now XXXX I logged back into my account to purchase bitcoin. I even got a joint bank account for such said purpose. I was able to transfer XXXX dollars from my bank to bitcoin and ethereum with no problems and without ever having to scan in any form of id ( drivers license, etc. ) A few days later ( 2 weeks ago ) I  edited my information to include my birthdate and then got an email from Coinbase saying that under XXXX year olds could not participate in their service. I think I am entitled to convert my bitcoin into usd and send it back into my bank account using their exchange as no id was initially required and I was not informed of the XXXX change. If I try to change my bitcoin into usd using another method I could literally lose half of my invested money in fees.
Product: Debt collection

Ability Recovery is a debt collection agency reporting illegally to the bureaus under their own name which is illegal on a MA Consumer credit report. MA state law says that an account may only be reported by the original creditor ( law below for your records ). They have been informed of their illegal activity via certified mail three times. They have failed to reply to take action for removal. 
209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17. 
( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. However, a debt collector may, with the express written  authorization from the creditor, report to a consumer reporting agency in the creditors name.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 collections reporting on XXXX with Commonwealth one in the amount of XXXX the other XXXX and I have been disputing this for some time now. Every time I try to get validation of the debt they show a new open date. Now it 's showing the two things just opened. I have not been to the hospital in over 4 or 5 years and this continuously reports a new open date. 

I have never received anything from a doctor 's office indicating I owed anything
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : CITIBANK NA BEST BUY 05/16/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

My husband passed away in XXXX XXXX. Each of us had a personal bank account at Bank of America. Since his account had all the bill pay features set up including our mortgage thru BofA, I would transfer funds from my checking to his checking and pay bills that way. 

XXXX XXXX, I finally notified the mortgage Dept at BofA that he had passed away. They instantly froze his bank account that had {$210.00} in it. ( Even though I just called re : the mortgage ). 

Shortly after, I started the process of dealing with the estate/assumptions Dept. I sent them every document and filled out every form they sent to me. 

Approx. 15 months ago, I had to send them an affadavit of surviving spouse and have it notarized. On that paper, I asked them to send a check in the amount of {$210.00}. 

Next, they said I needed to fill out a form since the amount was under {$500.00}. NO ONE HAS EVER BEEN ABLE TO PROVIDE THIS FORM. Literally, when the letter came saying I needed to fill out this form, the document stated to fill out the enclosed form ; THERE WAS NO ENCLOSED FORM. 

I Called at least 3 times talking with the estate Dept asking them to send me this form that was referenced, but not included in the letter. Though each person assures me they will send it and apologize, NO FORM EVER COMES. 

Last week, I again called and spoke to the estate/assumptions Dept. I synopsized the story and asked if he could please review the account so that I can finally just be done with this. 

I also added that when my husband signed up for his bofa account in XXXX, I was sitting next to him and am positive I was listed as his beneficiary. 
I also added that if they look back on his account, they will see only transfers from my account to his. 
I even asked if I could just deposit one of his signed checks in that amount into my account, since getting this " form '' was impossible. 

The representative came back on the line and said they have everything they need except for something called next of kin whatever. I asked what the notarized affadavit was for since that states I am sole surviving spouse. Obviously, that makes me next of kin. He assured me they will send the form marked " urgent ''. It 's been over a week and no form has came in the mail. If history is of any consequence, THERE WILL BE NO FORM. 

I AM FURIOUS AND FRUSTRATED THAT IT APPEARS TO BE IMPOSSIBLE TO CLOSE MY LATE HUSBANDS ACCOUNT AND RECEIVE THE {$210.00}. 

NOT A XXXX DOLLARS ... 
JUST {$210.00}. 

THE BIGGEST MISTAKE I MADE WAS TO LEAVE $ IN HIS CHECKING WHEN I CALLED ABOUT THE MORTGAGE. 

IT IS CRUEL AND UNUSUAL PUNISHMENT BY BOFA TO CONTINUE TO FORCE ME TO JUMP THROUGH HOOPS TRYING TO SOLVE THIS ISSUE. EACH MONTH WHEN THE CHECKING STATEMENT COMES IN THE MAIL, I AM FILLED WITH RAGE AND DESPAIR.
Product: Checking or savings account

Prosper refused to close my account and return my money. They are insisting that I forfeit my money to them in order to close the account. 

From Prosper in response to my request to close my account : Thank you for choosing Prosper Investor Services. We appreciate you reaching out in request to close your account. Unfortunately, we can not send checks. The process to close out an account has updated recently and we would be glad to help you get through that. If you would like to forfeit the account as is ; with assets, active notes, available cash, or charged-off loans you may still sign the Forfeiture XXXX. Please read through the form as it does entail that, by signing this XXXX, you would forfeit any future recoveries received for any defaulted/charged-off accounts. Be advised that there is not a set time-frame for this document to be generated, just be sure to monitor your Prosper-associated email address. Please reply to this email if you would like to initiate the forfeiture process so we can initiate that for you.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found a number of billing errors. The late payments are inconsistent with my typical payment history. Please correct these errors and update my account. Thank you!
Product: Credit reporting or other personal consumer reports

World Finance has been inaccurately reporting on my credit reports for 7 years. The company isn't even in business anymore and refuses to remove a title from my reports after hundreds of disputes and demands for debt validations. They don't have a single contract with my signature on it. I went to see about getting a title loan on my paid-off car in XXXX after escaping domestic abuse and their interest rates were too high. As I started reading through the fine print during the contract signing I realized they were nothing but loan sharks and decided to go elsewhere. I got up and left and they placed a lien on my car without my consent. I never received a XXXX from them and have requested a contract and copy of a check or deposit slip for YEARS with NO PROOF ever provided. Their Scam has caused me huge financial constraints and burdens. They are predatory and illegal lenders. Reporting a CHARGE off to my credit profiles every single month for the last 7 years! They even repoed my car from the body shop after I'd been tboned and my car is written off as a total loss, at which time they sold MY car at auction for pennies and then wrote off the rest of their FAKE LOAN on their taxes and were paid from their insurance company for a loan they NEVER gave me and I NEVER consented to! They have destroyed my credit for years and my next step will be to SUE.
Product: Debt collection

On XX/XX/21, an email was sent to portfolio recovery services to validate a debt that I have been disputing. They sent me a letter declining to validate the debt altoge
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 [ at XXXX XXXX CST ] ; XXXX XXXX [ a friend ] sent me {$1000.00} as he had done at least 3 times in the past [ this year ] using Venmo. 

All past times [ before XX/XX/2021 ] Venmo charged a fee that was consistent with their policy, a fee of about {$10.00}. This time around ; Venmo charged over 3 times the amount ; a total of {$35.00} was charged contrary to their own fee policy. It might not seem like a lot, but when you think about the hundreds of thousands of Americans this could be happening to, it easily scales to an issue warranting a Federal Investigation. 

Over the weekend I emailed Venmo over 4 times, including testimony from the sender XXXX XXXX. At the time of this complaint, I have received no response or refund from Venmo.
Product: Credit card or prepaid card

After receiving and reviewing information received from the merchant related to this transaction, we determined that compelling evidence was provided and emailed to notify you that we determined no error occurred. 

How did no error occur when I had dozens of photos and a video as well as the merchants refusal to refund me to back up my claim??? 

We recommend that you contact the merchant directly for further resolution. 

Are they playing XXXX?? I showed them XXXX emails from the merchant who clearly did not resolve the issue, whatsoever!! l If you wish to receive a copy of the documents we relied on in making our final determination, please email XXXX. 

XXXX. I asked them via that same email address to provide me documentation to prove that no error occurred, and they wouldnt provide it to me!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, # XXXX XXXX XXXX XXXX  XXXX, # XXXX, 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 XXXXXXXX : # 1234, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

Caliber home loans now known as XXXX XXXX sold our loan to XXXX in XXXX, I believe in XXXX. We did receive the mortgage loan interest statement from XXXX timely, but nothing from caliber. 
We have made over a dozen phone calls to caliber to try and get the statement sent to us, but can not get through to their customer service. It is an automated system that asks for our account number, Social Security number or phone number and when we provide this information, the recording states that we are not a valid customer and just disconnects us. We have yet to speak to an actual person. This is absurd. It is now XX/XX/XXXX. We are trying to do our taxes and have heard nothing from caliber home loans, now known as XXXX XXXX regarding our XXXX mortgage tax interest statement. There is no excuse for this and I know that I am not the only former customer of caliber home loans that is having this issue. Disgusting customer service. Please help. Thank you.
Product: Debt collection

The accounts on my consumer credit profile from XXXX XXXX and XXXX are fraudulent. These accounts are the result of identity theft. I tried resolving this through the companies and they continue to ignore my request. All I asked is the company for is to provide proof that I owe the debt by showing the ledger on the account and a sworn signed statement under the penalty of perjury that I owe them. I never received that. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Transunion credit report agency block and delete any information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. These accounts include : An alleged auto loan XXXX XXXX XXXX XXXX two accounts and student loans XXXX also two accounts. XXXX XXXX XXXX account number:XXXX and XXXX XXXX account number : XXXX. Both accounts are fraudulent. I sent various correspondence to both entities about my concerns with no resolve. All my correspondence is signed under the penalty of perjury. Attached is the FTC identity theft report.
Product: Student loan

Two problems. First problem is they raised my monthly payment by forcing me into a different payment program. The second problem is they sent an erroneous bill on XX/XX/2023, and I trusted them so I paid the bill in full. They admitted I didn't have to pay this and that they made a mistake- but they have not refunded the erroneous payment from the fraudulent and fake bill they sent me. I tried calling and sending messages. The phone system takes you into XXXX minutes of automated messages, and then they put you on hold with estimated wait times of XXXX minutes- if you wait, they disconnect the call. I sent multiple messages to which they respond with copy/paste responses that do not address the issue.
Product: Debt collection

Collection opened Indicates the date the collection account was opened XX/XX/2019 Payment Info Original loan amount {$290.00} Balance {$290.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX I've contacted this company ten times to remove this collection. I did explain to the company I don't own this debit and you have the wrong personing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the breach with XXXX getting hacked, I decided to put a freeze on my credit report with all three agencies. ( XXXX, XXXX and Experian ) I was in shock & in disbelief that XXXX CHARGED ME to do so!!!!!!!!!!!! Now, I have learned that to temporarily or permenantly Unfreeze my credit report with ALL three agencies, I WILL BE CHARGED AGAIN!!!!!!!!!! 
The act of charging anyone to Freeze or Unfreeze their reports because of XXXX XXXX XXXX is Demonsterable to say the least!!!!!!!!!!!!! 
I am requesting that I be repaid for freezing my account with XXXX & not be charged to unfreeze my accounts with all three agentcies!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!.
Product: Credit card

There was a {$64.00} charge to my Wells Fargo credit card for a recurring subscription on XXXX that I never signed up for with XXXX. ( Ref # XXXX ). I disputed the charge with Wells Fargo about a week ago with no resolution or removal of the charge to my account.
Product: Debt collection

Paid the debt owed however its still being reported on my credit report
Product: Debt collection

I owed a debt and a third party collector obtained the debt without my knowledge or consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been victimized by identity theft.I reviewed a copy of my credit report and ( CBNA ) ran an unauthorized credit inquiry on me on, XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact ( CBNA ) and investigate such occurrence I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I sent them a copy of the Police report from the XXXX Sheriffs Office in conjunction with my CFPB Report my dispute letter and lastly my Identity theft report with the Federal Trade Commission Certified mail on XXXX TRACKING # XXXX Due to the incompetence of XXXX the unauthorized inquiry is still reporting. Transunion and XXXX have both deleted the unauthorized inquiry but for some reason XXXX refuses to adhere to the Fair Credit Reporting Act.In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX : # XXXX  # XXXX XXXX XXXX XXXX # ACCT # XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : CBNA has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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