23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On my XXXX report this doesn't appear, I have the same creditor and they are charging me from 3 different companies.And the amount keeps getting higher. Can this be done? Because i have read on your page it is called double jeopardy. I had insurance. And if my insurance did not pay i was not aware of it. 

COMMONWEALTH FINANCIAL SYSTEMS Last reported : XX/XX/2018 {$1800.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$1800.00} Highest Balance {$1800.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$1000.00} Highest Balance {$1000.00} Opened XX/XX/2018 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX COMMONWEALTH FINANCIAL SYSTEMS Last reported : XX/XX/2018 {$940.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$940.00} Highest Balance {$940.00} Opened XX/XX/2018 ( 1 mo  ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

Subject : Dispute of Fraudulent Credit Card Account on My Credit Report To Whom It May Concern, My name is XXXX XXXX, and I am writing to dispute a fraudulent credit card account that has appeared on my credit report. Below are the details of the fraudulent account : - **Credit Card Issuer : ** First Progress Elite Card - **Account Number : ** XXXX - **Credit Card Number : ** XXXX I did not authorize the opening or use of this credit card account, and I have already reported this issue to the Federal Trade Commission XXXX FTC XXXX through IdentityTheft.gov. My FTC Identity Theft Report reference number is [ provide your FTC report reference number if available ]. 

As per the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute this fraudulent account. I am requesting an immediate investigation and removal of this account from my credit report. 


Please confirm receipt of this complaint and inform me of the actions that will be taken to resolve this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

On XXXX XXXX, 2015, I spoke with XXXX XXXX from Green Tree Servicing. This is the company that bought my loan from XXXX XXXX. After trying for a year to do a short sale on my condo, I was forced to keep it because they would not agree to a settlement. After trying to negotiate with them for a year, I decided to rent out my condo because it was going to go to foreclosure. I do not want to keep the condo, and the bank is recognizing this problem, but they can not do anything about Green Tree. Consequently, they continue to ask for documents that they already have. THis has been going on for a year. They continue to harass me with telephone calls and tell me to go to relatives to borrow the money that I owe them. XXXX XXXX told me to ask my " sugar daddy '' for money. He said that they did not want to make an offer because I might have won the lottery without telling them. This was very disrespectful and uncalled for. I find Green Tree to be very unethical and practice bad business habits. Now, I am again back to the beginning with them asking for more documentation. Its just a vicious circle. I can not get an answer from them. I am submitting this complaint, so that someone will answer my questions. I just want a resolution, so I can proceed.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as the information that resulted from an alleged identity theft, not later than XXXX business days Ater the date of receipt. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTHER STALL TACTICS FROM EXPERIAN.
Product: Credit card

I never received a bill for my Kohls Charge due to email delivery and spam. Kohl 's had my home mailing address as well as my phone number but did not use it to contact me until the bill was overdue more then 30 days. Upon being made aware of the bill, I immediately paid it in full. This item should not be on my credit report as it is not truly representative of the events that took place. Kohl 's has been very uncooperative and refuses to look into their poor billing practices. My credit lines history is long and have been flawless for over 25 years.
Product: Vehicle loan or lease

XX/XX/XXXX : Contacted by XXXX XXXX asking me to trade my XXXX XXXX in for a new vehicle ; offered above market value. Went to dealership. Eventually referred to XXXX XXXX for the new vehicle. Assured my XXXX had required value to trade in. Leased a new XXXX at XXXX XXXX and traded in the XXXX. 
XX/XX/XXXX : Delays in receiving new XXXX, delays in receiving paperwork on new XXXX, payment statement for new XXXX arrived AFTER due date, financing company delays in receiving and processing the traded in XXXX. 
XX/XX/XXXX : Recd mailed Notice from XXXX XXXX XXXX  that the XXXX was repossessed. Called them and they said DISREGARD. Called XXXX XXXX and they said the same, apologized for delays. 
XX/XX/XXXX : Recd collections notice for balance due on XXXX. 
Since that time, we have written and communicated many times with both XXXX XXXX XXXX, the XXXX dealerships, and with the XXXX XXXX XXXX. XXXX and the finance company have each blamed the other for errors made, resulting in the balance due. Neither will take responsibility for it. 
It is our belief that XXXX XXXX knew what they were doing, caused the delays, and did not properly process our paperwork, trade-in payoff, or return of the traded-in vehicle. 
All documentation has been provided to all three credit reporting agencies which will confirm all of the above.
Product: Checking or savings account

Several years ago Capital One purchased XXXX, during that process my XXXX account was converted to a Capital One Savings account. Early last year, I realized that Capital One was not giving me the advertised interest rates at the time. I only realized this because I noticed my interest payment amount was significantly low, based on my deposit amount. When I called them, they told me I was supposed to update my savings account. No one ever told me I was suppose to change my account to receive the current rate. They took advantage of me and many other customers. Before ending the call, the rep changed the rate and apologized. But I lost the correct interest rate payments. 

I recently read the publication- CFPB Sues Capital One for Cheating Consumers Out of More Than {$2.00} XXXX in Interest Payments on Savings Accounts. I applaud the CFPB for pursing this case. This is my exact story. Im hoping this case will allow me and other victims to receive our rightful interest rate payment.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX  ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  {$1000.00}, XXXX XXXX XXXX {$30000.00}, XXXX  XXXX  {$390.00}.
Product: Checking or savings account

We had a wire transfer not authorized by for XXXX twice on XXXX Bank then closed all of our accounts checking, savings, credit cards & debit cards. They would not let us access our accounts because of wire transfer fraud. We have banked at this Bank for 43 years. We have all of our money in this bank USSA no access to our money. We dont have any money to pay our bills and buy groceries. We dont want to be hit with a lot of overdraft charges for something we did not cause. Need to just get enough money out to pay our bill, House, Car etc
Product: Vehicle loan or lease

I have a loan through credit acceptance and the value of my car is extremely lower then the loan amount. The sticker amount was XXXX dollars and the total loan is more then XXXX dollars for a XXXXXXXX XXXX XXXX. I have seen in the past that credit acceptance had done the same thing to people around the same time I got my loan in XXXX.
Product: Credit reporting or other personal consumer reports

Over the last XXXX years experian has encountered several major security breaches. Beginning in 2021 i habld to file disputes in order to maintain tain a XXXX credit score. I never received any positive responses nore did experien, equivalent or XXXX XXXX remove any of the items on my report which would ultimately cause a rapid decrease in my credit score. Though challenged these companies still failed to notify me of these breaches which compromised my personal information. I've tried to get my score back to XXXX, with no positive affect from either of these XXXX companies. Now there has been another major security breach. I simply want them to place my score back where it was and remove all negative items off of my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was receiving bills from a collection company. I wondered for days why I received this collection bill twice, if I knew I did not owe anything. I got onto XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on identity IQ. I am extremely shocked with these items on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report. 

US DEPT OF ED/XXXX XXXX {$71000.00} XXXX  XXXX XXXX XXXX XXXX {$130.00} XXXX, XXXX XXXX {$380.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$1500.00} XXXX/XXXX   XXXX {$990.00} XXXX XXXX XXXX  XXXX {$160.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  XXXX Account # XXXX
Product: Debt collection

This collection agency ( Resurgent Capital Services ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX has sent me a letter of a debt that is not mind and its not even my name on the letter! How they got my address Ill never know; but I believe they just saw my name because the first name is similar to mind but not the last nameso they mailed me about some elses debt thinking Im gon na pay it! I called them and got their recording was asking for the acct # or the last 4 of my ssnthe acct # on the letter I put in several times and it would not takeI was not gon na put my last 4 of my ssn in. If at all possible this needs to be resolvedIm not the person they are trying to contact for this debt!!!
Product: Credit card or prepaid card

The Wells Fargo credit card division is completely inept and is unable to accommodate a simple request. The retail banking division was provided a statutory durable power of attorney a week ago which was approved by their legal department to allow me to move funds from a family member 's account who is mentally ill. I have also advised to close a credit account, as well as debit card accounts and the credit card division, including their Executive office representative, is unable or unwilling to simply call the retail banking division 's Legal office to confirm receipt of the power of attorney in order to close the account. The account holder is in a dire condition and by not closing the account and continuing to allow access, Wells Fargo may be creating a dangerous welfare situation for the account holder. This is completely unacceptable. The individuals which were contacted are as follows : 1. XXXX - Customer Service 2. XXXX - Customer Advocacy 3. XXXX - Executive Office.
Product: Credit card or prepaid card

My name is XXXX XXXX and i bought a {$50.00} XXXX gift card from an XXXX XXXX near my house ( Address : XXXX XXXX XXXX  XXXX XXXX, AR XXXX ) and since i bought it it has not allowed me to use it or activate it at all. When i call customer service they tell me my card is expired and empty ( i never used it and it should never expire ). I need help because i need to pay my bills with that money and im really stressed out.
Product: Credit reporting or other personal consumer reports

This company One Main continuously reports account late when its a charge off account violating the fair credit act. all credit report information must be reported correctly or it must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine are : XXXX  and XXXX XXXX which I listed on Identity Theft. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. 
Please remove as soon as possible these accounts from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I placed a security freeze on my file with XXXX XXXX XXXX. 
On XX/XX/2019, I sent Equifax a certified letter requesting verifiable proof they have on file regarding the bankruptcies. 
On XX/XX/2019, I sent US Bankruptcy court a certified letter seeking information on how they report to credit reporting agencies. 
On XX/XX/2019, I received a letter from US Bankruptcy court stating bankruptcy court does NOT perform any activities with the credit bureaus. 
On XX/XX/2019, I received a copy of Equifax investigation report. Equifax stated the information, I disputed was verified that the public record item is reporting correctly. Equifax obtained information from local, state and federal courts through a third-party vendor, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states consumer reporting agency can not furnish an account with my written concern.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I booked a XXXX XXXX  at which time my debit card was charged twice for the same amount ( {$240.00} ) and when I talked to XXXX, they told me they can not do anything about the charge and I need to report it to my bank so I reported it to my bank and my bank shut off my debit card as a fraud transaction instead of a double charge Therefore leaving me without a physical debit card for up to two weeks and I have a trip coming up that I need my physical card for
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like Equifax to provide me with the documents I requested, it's all indicated in the attachment. I want them to also do their job fairly and legally, as per the FCRA Section 611 they are required to delete or update any information that they can not legally verify. They need to be held responsible for not following the laws. They are not above the law. I wish for any accounts they failed to verify to be removed from my credit report, they had more than enough time to investigate, even more than what's indicated in 15 U.S.C. 1681i which is 30 days upon the receipt of my letter. It's impossible for them not to receive any of my letters because I've written them multiple times. Additionally, as per 15 U.S.C. 1681c their reporting should have Indication of dispute by consumer AND UP UNTIL THIS DATE THERE IS NONE DESPITE BEING DISPUTED FOR MONTHS NOW! If possible, I also want to receive monetary compensation for all the distress and XXXX they have caused me and my family.
Product: Debt collection

I was called by Cambridge Asset Management about a debt that is not mine over and over trying to get a credit card number or bank number. Someone hacked my computer and got my personal information. They keep calling threatening to take legal action if I do n't pay them money. I never had an account in the name they are saying XXXX. They have my SS number, birthdate etc. which I 'm sure came from the spyware issue on my computer. I would like them to stop harassing me, I know this is a scam and I saw other complaints about them and a F rating from the XXXX.
Product: Debt collection

Company lost lawsuit against me which was withdrawn without COST to any party. 

Didnt live in state at the time of suit thats why judge withdrew. 

Never agreed to any threats or debt for new collector.
Product: Student loan

Ive been in constant contact with Mohela since XX/XX/XXXX, regarding my credit report and refunds owed to me because my loan was forgiven. Ive spent numerous hours on the phone with over 25 representatives and supervisors and an advanced agent and I can not get any definitive answer from any, Ive been getting different answers from every representative, after hours and hours of being on hold. Ive put in 2 requests for an investigation to be done as to where my refunds are and i keep getting told different time frames it takes. I just talked to a supervisor XXXX yesterday and now she's telling me to give it ten more days. Ive been told refunds go to original form of payment, and ive explained to them I've been through a divorce since.I also told them why didn't they send out any mailing asking if accounts had changed or anything, we're talking 5 years ago, people 's accounts change and life happens. I originally was told XX/XX/XXXX hrs for investigation, so I call back XXXX XXXX, and was told to give it another XX/XX/XXXX hrs, so i called back again on the XXXX and was put through to a supervisor call back line and waited for days and finally got a call back from an advanced agent and she said it takes 89 days, and on XXXX XXXX XXXX supervisor ) told me to wait 10 more days. Noone can give a straight answer to anything! Ive been doing research and ive seen even on social media that its not uncommon for Mohela to give people the run around! Id just like to know where my refunds are that are owed to me. I also had put in 3 secure messages to them and have had no response! I also request an itemized list of refunds owed and where they went, and XXXX told me they denied that request, don't I have a right to know this? Mohela has hundreds of complaints on XXXX XXXX XXXX doing the same with other customers. I would like to know where my refunds are or when to expect to getting them. I can not get a answer from any representative there. I've also emailed studentaid.gov on XXXX and have not received a response from them either. My student loan was forgiven in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 Elan Financial reported a late payment on my credit. XXXX credit card services switched banks and Elan financial took me off auto pay when they took over. They called me 33 days after my payment was due and I immediately paid it. They even took off the late fee and assured me it wouldnt be a problem. They also mentioned with Covid-19 they had some deferred payment options. When it hits my credit they tell me sorry you were late. Not taking into account they took me off auto pay. Their response was we mailed you a letter even though I have relied on autopay for 6 years! Not fair
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint with my prior complaint dated XX/XX/2023, I want you to validate this reporting account : XXXX  XXXX XXXX Balance : {$880.00} Please check the payment history, date open, last activity, and Status of the listed account I believe it was reported in error.