23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As of XXXX XXXX, 2016 " PORTFOLIO RECOVERY ASSOCIATES '' has resubmitted a debt that is not mine. New Debts in Collection Since your last update on XXXX XXXX, 2016, you have XXXX overdue debt that has been transferred or assigned to a collection agency. 
Debt Collector Original Creditor Balance Owed Reported By PORTFOLIO RECOVERY ASSOCIATES XXXX {$5200.00} XXXX This debt was removed then reactivated. Collections Accounts Removed Since your last update on XXXX XXXX, 2016, XXXX collections accounts have been removed from your credit report. 
Account Type Removed Status Reported By XXXX. Collections Removed XXXX PORTFOLIO RECOVERY ASSOCIATES Collections Removed XXXX The original amount owed according to XXXX was {$2500.00}. This should be illegal.
Product: Debt collection

Let me start off by saying that I've been in collections for 15 years. I know the ins and outs. I could very easily sue and get XXXX to XXXX for every violation. I've been called repeatedly not even 5 min of each call. I've been called before XXXX. I get 10 call everyday sometimes from different numbers. What's funny is that I haven't answered had I I'd probably have more complaints. I have the phone records to prove it too.
Product: Credit reporting or other personal consumer reports

XXXX is reporting transferred accounts as active to the credit bureaus in a manner that is inconsistent with the Fair Credit Reporting Act. Despite no longer servicing my student loans, XXXX is reporting 4 tradelines. Two are reported showing {$19000.00} each. The other two are reported showing {$20000.00} each. Only two credit lines should have been reported in the first place and, now that the loans have been transferred to XXXX, XXXX should not be reporting any active accounts. The last activity shown on the accounts is XX/XX/year> and XX/XX/year>. The loans are properly reported by XXXX. Edfinancials improper and inaccurate reporting causes my total debt to be over reported by {$80000.00}. Redacted images showing duplicate reporting are attached.
Product: Debt collection

I received XXXX services about 5 years ago. It did not work properly with the dvr and other functions so I called them to fix the problem. They sent a couple tech reps out to fix the problem with out resolution. I called them numerous times top fix the problem but no one showed up. I called to cancel the service. They wanted to fix the service and said they would charge me an early termination fee if I canceled. A XXXX representative showed up and could not fix the problem. I canceled the service after numerous attempts to fix it and months without the correct service I was paying for. I was patient and feel I was robbed. They quoted me a price the XXXX month and it almost doubled by the XXXX month and was still getting no service. They have turned me into the credit bureau and I am disgusted and do n't know who to turn to for help. I do n't understand how they can get away with this.
Product: Credit card

Ive always paid on time, so this late payment is inaccurate. Please correct and update my account promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a veterans loan with XXXX XXXX. XXXX XXXX automated payment processing system failed and is flawed. This resulted in missing several payments. I found out my accident that the payments had not been made. XXXX never completed a phone call or mail notification of the problem. XXXX  removed the late fees and corrected the problem. 

The exact problem happened again. Again no phone calls or written notification of problem. Until I received a default/foreclosure notice in the mail. I immeadiately started working with XXXX  for weeks to correct the problem. However XXXX  and its processor did not have a working phone system or answering machines. They also do not have a method for email communications. I eventually pretended I was a new customer and was able to contact them by phone. They worked on it for weeks but never found a problem. They never suggested an alternate method of payment. 

When I made manual online payments, the system showed I made the payments, even when checking days later. However after a week or so the payments would be reversed because their payment system is horribly flawed. 

I finally mailed them a check because I didn't want the foreclosure process to continue. 

The account is up to date now and they have removed late fees and penalties. However, my credit report is ruined as they reported to three  credit agencies that I had late payments. So now I can not refinance or take out a car loan. They still do not have a way to contact customers about issues, via phone, email, or US mail. They have not corrected the credit reporting problems
Product: Student loan

I went to school for XXXX XXXX my loan could have been one single loan but the broke it down in like 13 loans so intrested in all 13 loans plus laye free, and when I when back to school in XX/XX/2018 I asked the if the could hold off on some payment for school. Because of work. But no help.
Product: Money transfer, virtual currency, or money service

Bank not allowing bank account to link to coinbase
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block Inc. ) due to inadequate customer services and unfair practices, which violate tge consumer financial protection act ( CFPA ). Specifically Cash App fail to take timely and effective measured to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive, is they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) in Regulation E. These actions has called significant inconvenience in financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXXky Consumer and natural person, am aware of all rights that I have and which are protected by the congress under the fair credit reporting act ( FCRA ). The list of Accounts Below has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name- XXXX XXXX Account Number- XXXX 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 report agency can not furnish A account without MY WRITTEN instructions
Product: Checking or savings account

I opened an online IRA CD with Citibank. After the CD was funded, I tried to create an online profile to look at my account. To my dismay I found out that the only way to get account information was to call the toll-free number in the Philippines. Every phone call took a minimum of an hour to speak with someone who I couldn't understand and who could not understand me. It didn't matter what agreement we came to during each phone call. They never did what they said they were going to do. NOT ONCE! To make sure I could get my money back in time to open another IRA CD somewhere else in the 60 day window you're allotted by the IRS. I started the process of closing the account XXXX months before it's maturity date. They made a mistake and closed the account early. When they rectified the problem they created a new problem. The new IRA CD Citibank created was now paying a lower interest rate than my original CD. It was incredibly frustrating to try to figure out why I was underpaid. If you open an IRA CD with Citibank, your only form of communication is a toll-free phone number. Or using regular mail where every communication takes a week and a half to get there and a week and a half to get back to you if they ever get back to you at all. I finally went into a branch and with the manager 's help figured out all the mistakes they've made. I was sent a check and I am whole now. First problem was they made it very difficult to close the account just to get my money back was almost impossible. Then, when I got my money, they underpaid me and I had to fight with them tooth and nail to get the correct amount of interest that we agreed upon. An incredibly incompetent bank to deal with. Please publish this so hopefully no one else will fall into the trap I did. By the way, I complained to Citibank and their escalation team called me and where as incompetent and as uncaring as everyone else I dealt with at that bank. They could XXXX off mother XXXX and they blame you like it's your fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion File # XXXX XX/XX/2018 TransUnion has on my Supplemental Consumer Credit Information Cash Advance Inquires in the last 7 years as : ( XXXX ) I have not applied or received any money from no cash advance company in the last past 7 years or any other year. 
Please provide Documented proof of such loan from source as stated as Cash Advance Inquires
Product: Mortgage

We reduced our coverage amount because our XXXX XXXX balance is XXXX and our Home Equity balance is XXXX.I feel {$200000.00} for the dwelling is adequate amount for the flood insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX XXXX   XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my medical bills until final divorce, which was XXXX XXXX, ( proof attached ). This operation was preformed XXXX XXXX. i was not employed then, nor am I currently. I was unable to pay the bill, it was sent to ( ex ) husband, who said he paid, yet did not. I was unfairly sent to collection. I would request this be DELETED from my credit report as it is INACCURATE
Product: Mortgage

In XX/XX/2018 we received a letter stating to fill out paperwork to receive 2 months of free mortgage because of the storm. We called the mortgage company Caliber Homes to find out what we neede to do and was this information accurate they said sign the form before the deadline and everything will be fine. By the time XXXX came they started sending letter last stating we were behind on our mortgage. Once we mentioned the letter we received and the person we spoke to they denied this and sent another form that came out saying we can see if we apply for lose of income. The packet was so thick with unnecessary information we did not fill it out. We came up with the money to get us out of debt. Then they told us that our homestead insurance went up. We asked how and what is that. The representative stated they will cover {$20.00} dollars of it and they sent out a letter. They never sent out a letter and began to change our mortgage monthly payments then said to shop around for a cheaper insurance.
Product: Mortgage

I received a call from my home owners insurance that my premium was not paid as of XXXX XXXX, XXXX. I called my GMFS to convey the need to pay the premium that was due on XXXX XXXX, XXXX. GMFS said that is was mailed out to be paid. Three days later, the insurance called me again and said no funds/check was received. I call GMFS back and they said they paid it to my XXXX XXXX ( XXXX insurance company ). 
I contacted XXXX and they said because I no longer have an account with them, the check will be sent back to GMFS. 
I call GMFS back and disclosed that information. Asked if they can cancel the check and reissue another XXXX to the proper insurance company. They said no they could not. So GMFS rep said he was going to make some calls to locate the check. 
On XXXX XXXX, XXXX I paid my mortgage and realize the insurance was not paid. The due amount was over XXXX and my mortgage is only XXXX. I paid the amount due still not knowing what happened to the escrow funds for this purpose. I called again to for more clarification on XXXX XXXX, XXXX and still no lead way on the escrow. Fortunately it was paid because XXXX suffered a major tornado storm on Tuesday XXXX XXXX, XXXX. 
I called today ( XXXX XXXX, XXXX ) to speak with the supervisor because no one knows where the escrow funds are and my account is out over XXXX dollars. The manager XXXX XXXX approach was unprofessional,. rude and a brush off. He said he was going to look into it and call me back in 24 hours. I have been waiting already almost two weeks. 
Today
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to report an incident of identity theft that has had a significant impact on my life. I believe that the following information constitutes a clear case of identity theft, and I request the Federal Trade Commission 's assistance in resolving this matter. On XX/XX/2023, I became aware of the unauthorized activities and financial transactions on my account from citicards cbna, which I believe to be a result of identity theft. I noticed unapproved credit account in my name, and suspicious monthly payments as well as a incorrect address I never resided in.
Product: Payday loan, title loan, or personal loan

On XX/XX/2017 I borrowed {$800.00}. To date, through XX/XX/2017, I have paid {$1600.00} for this loan, over twice the principal. It is becoming a real hardship for me to have {$130.00} taken out every pay. Since I 've already paid back almost twice the principal, I asked for settlement. They refused a settlement telling me I did n't qualify for a settlement, but could n't tell me why I did n't qualify for a settlement. They only offered to let me pay {$690.00} more. I asked if I had to default before they would consider a settlement and they could n't answer that question. I have been a good customer and never defaulted. I guess that does n't count for anything. They repeatedly ignored my emails and I had to call them. They also left me on hold for an extended period of time. I guess all these were stall tactics hoping I 'd give up. They state on their website that if one has trouble making payments to please contact them and they will work with you. Apparently that is not true. I am not even sure if this loan is legal. I would like to have this loan marked as paid in full. I think they 've made their money.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I'm a victim of identity theft. I have been working with XXXX and the FTC. My checking account with Wells Fargo became overdrawn after someone tried to get payday loans and credit cards in my name. This happened before and Wells Fargo did nothing and just closed my account and opened a new one without investigation. This time I was afraid to bring my account current because the person might work for Wells Fargo. I found this out from a conversation from an outside source. The outside source may have misstated the information, but I could not risk it. I made deposits to bring the account to $ XXXX. I felt safe with this amount, while the investigation was going on. Then on XX/XX/2018 Wells Fargo closed my checking account and sent it to collections and reported it to XXXX XXXX XXXX, a consumer reporting agency When I asked Wells Fargo in new accounts my closed account is listed as a " Charge Off '', even though I called and paid in full today XX/XX/2018, and was told my account was never sent to collections. So now Wells Fargo sent to to executive section for an investigation because an employee might be involved. Wells Fargo can not investigate this issue, it needs to be assigned to an outside entity because I already know Wells Fargo will decide in their favor and not mine. I'm the victim.
Product: Credit reporting or other personal consumer reports

I insist, without any delay or excuse, that you promptly correct these accounts from my credit report. Your quick and decisive measures to address this issue will be greatly appreciated. I anticipate nothing less than a comprehensive and immediate resolution, leaving no room for further procrastination or oversight. Your immediate and full attention to this pressing matter is not just a request but a requirement. Failure to comply will compel me to take further legal action to safeguard my rights and hold you responsible for the irreparable damage inflicted on my credit standing. I appreciate your immediate and unwavering focus on this matter. Please help me correct these accounts immediately : XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5700.00}.
Product: Debt collection

On XX/XX/XXXX we told supervisor XXXX to stop calling this number. On XX/XX/XXXX we told operations manager XXXX XXXX to stop calling us after we were called by them again. On XX/XX/XXXX after they called again we told operations manager XXXX XXXX to stop calling here. We told them all that this is our church office and they are calling the wrong number. XXXX refused to stop the calls. I have called my lawyer to report the harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inaccuracies on my report. 

XXXX XXXX  XXXX Account # - XXXX Date- - XX/XX/2020 If, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, and XX/XX/XXXX I reached out to all three credit bureaus reporting that the information on my credit report had been incorrect and that it should be removed I also sent letters stating that the information should not be on my credit report. The all inquiries, collections and the bankruptcy were removed and added back to my all three credit report. I reached out and nothing else had been done even after multiple certified letters being sent. No one has done anything to help my credit report this has done great damage and is a violation of XXXX I have also asked that my inaccurate information be corrected and has failed to do so Please help me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Nuimber : XXXX Account Name : XXXXXXXX XXXX Account Nuimber : XXXX
Product: Credit reporting or other personal consumer reports

Hello, Can you please do this investigation within 4 days. 

As you can see I have disputed info and no one has done the investigation and they added more info to my credit profile. I also reached out to naviet and they don't hold none. 

Please see attachment for letter I have sent. 

XXXX Reporting I have sent over 4 dispute letters to the credit bureaus for reporting the wrong information for my student loans that are reporting. They are listing that my student loans are late. I sent over letters explaining that none should be reporting late. When I dispute each credit bureau added to my credit profile of loans that has been closed and transferred to another lender. The put old student loan on my account that hurt my score. 

XXXX Account # XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX they have listed twice on my credit. - in the comments they have it as " Account transferred or sold Student loan '' with XXXX late payments reporting back from XXXX and I looked up during covid based on XXXX XXXX XXXX They are reporting this account is late during covid which I was in a hardship and loan was in forbearance period. No late payment could be reporting. Based on the cares act. They are also reporting this account has been paid. My loans has been DEFERRED and my loan servicer is XXXX see attachment. 

XXXX XXXX XXXX XXXX XXXX XXXX FCRA Reference : The FCRA is codified at 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( F ). 
CARES Act Reference : Public Law 116-136, Section 4021.

CARES Act Section 4021 : Title : Credit Protection During COVID-19 Statute : Public Law 116-136, Section 4021 Amendment to the FCRA : The CARES Act temporarily amends Section 623 ( a ) ( 1 ) of the FCRA During the COVID-19 pandemic, the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) amended the Fair Credit Reporting Act ( FCRA ) to address how credit information is reported during the pandemic. Specifically, Section 4021 of the CARES Act includes provisions that impact how creditors report late payments to credit bureaus.

I also asked for mt personal information to be updated correct I do not know what address are these as I NEVER LIVED AT THIS ADDRESS. I only have one address and what is reporting below is wrong and I want deleted. 

XXXX XXXX XXXX PREVIOUS ADDRESSES XXXX XXXX XXXXXXXX, IN, XXXX PREVIOUS ADDRESSES XXXX XXXX XXXX, XXXX, NJ, XXXX Inquiries are reporting wrong I didn't apply for ay of theses companies. I have asked for the companies to investigate this info and no one has gotte back with me I want these items removed. 

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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Chase continues to put holds on my business accounts and restrict my cash flow, this time for an internal transfer from one account to the other. The hold states they need time to " collect from the paying bank. '' What do you even mean, its the same bank! This wouldn't have even happened if Chase hadn't completely wrecked my cash flow with the prior hold.

Chase continues to harm my businesses cash flow through their actions and lack of care for their clientele.
Product: Checking or savings account

My chime bank has closed my bank account after i made a claim on my account because my account was frauded XXXX dollars so they made the claim and two days later which is today i received a email saying they closed my account today not telling me anything about my money or nothin & i told them my tax refund check was going into that account and they still closed it