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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to pay a debt not owed You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies. The conduct of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is usury and Extortion and blackmailing me by using my Credit file to coerce me into pay a debt not verified.
Product: Student loan

I consolidated all of my student loans and THOUGHT I had started the student loan repayment program. I used Ameritech. After 13 months of paying them over {$200.00} per month, I noticed that no money was going towards my student loan. Ameritech had changed my pin number and was getting all of my informtion. They also altered documents about the number of dependents I had to get a XXXX payment for my student loans, yet they were collecting what I thought was going towards it. A company that helps XXXX  came into our XXXX  and I asked them to look my loan over and they knew right away something was wrong. I called student loan and they helped me get all the paperwork together to do the papers on my own without paying a company. When I called to cancel Ameritech they kept threatening that my payments would now be {$1000.00} per month and I would be better off paying them the {$200.00} instead. I did cancel them. I did start my student loan repayment, but the money I paid for the first 13 months doesn't count towards the 10 year repayment. I am XXXX years old and will be paying these loans until I am XXXX! They also charged fees for the paperwork. It seems like what they are doing should be illegal.
Product: Debt collection

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : XXXX XXXX ( {$590.00} )
Product: Debt collection

Wednesday, XX/XX/XXXX, On Wednesday XX/XX/2019 a calls came to my job from Resolve Partners , LLC due to alleged negligent account, which resulted in conversation with my superior telling me no personal calls on the production floor. In speaking with several representatives ( XXXX. & XXXX XXXX, Collections supervisor @ XXXX ), I found not only were they combative, After multiple times being placed on hold, It is clear that Resolve Partners , LLC has never been held accountable for the impact of employee error on customers, misleading credit reporting, unethical collecting and deceptive practices. In fact, on the call i demand a supervisor name and XXXX XXXX provide Business overall Manager XXXX XXXX XXXX XXXX representative failed to issue a mandatory stop calling work place on XX/XX/XXXX, they called back into the office.The abuse of practice is a direct violation of the FDCPA Regulations Therefore, this is a formal complaint to make notice of the following : employee negligence, misleading credit reporting, unethical collecting and deceptive business practices. 

Due to the harassing calls made by Resolve Partners my livelihood has been drastically impacted and it is my hope that your compliance with this request is swift and efficient according to the statutes of the FCRA. 


Your time and attention to this matter is greatly appreciated. 

Regards,
Product: Debt collection

Around XX/XX/2019, I saw that 2 new collection accounts were added to my credit reports from Pheonix Financial Services LLC. Prior to this, I knew nothing about the medical debt owed. I never received any bills, nor was I expecting any because I was insured by Medicaid until XX/XX/2019. I have asked them to verify the debt, and they still haven't replied, and my credit has already been affected
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly ( 120 ) days late on XXXX XXXX. ( Please see attached spreadsheet with account number along with pages 7 13 of my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Product: Money transfer, virtual currency, or money service

Sometime before XX/XX/XXXX, Cash app closed my account but I was never informed of this until I needed and attempted to use the app to send my friend some money. They say I've violated the terms but I hardly use the app and they are obviously mistaken. My entire history over the last year comprises of 5 transactions : My friend payed me back for a loan I gave him, I cashed out that payment to my bank account, then I've sent money 3 times to friends using my linked debit card. It's not possible I've violated and terms and Cash app has never specifically informed me what terms were violated. I sent a message to Customer Support on XX/XX/XXXX requesting further information, I sent followups several times since then and there is still no resolution, yet I'm assured each time that my case has been " escalated '' and their " team is working to resolve '' the issue. It's completely unheard of for something like this to take this long to resolve.
Product: Mortgage

I BOUGHT A PERSONAL HOME XXXX. XXXX I GOT MARRIED WHILE ON HONEYMOON THE HOUSE FLOODED DUE TO PLUMBING ISSUES. TWO LATER WHILE WE ARE YET TO RESOLVE THE PLUMBING ISSUES THE HOUSE CAUGHT FIRE AND THE INTERIOR GOT BURNT. THE INSURANCE GAVE OUT MONEY FOR REPAIRS BUT THE HOMEOWNERS ASSOCIATION HELD UNTO IT. THEY REFUSE TO RELEASE THE MONEY. I NEVER RECEIVE THE MONEY THE HOME WAS INHABITABLE I WAS GORCE TO RELOCATE TO XXXX XXXX WHERE MY HUSBAND WAS AND WAS TRAVELLING TO XXXX  TO WORK, ALL OF THIS HAPPENS BETWEEN XXXX XXXX TO XX/XX/XXXX, I WAS TRYING TO PURCHASE A HOUSE AND I WAS TOLD THAT BANK OF AMERICA HAVE A FORCLOSURE ME IN XXXX. BUT THE WHOLE THING HAPPEN XXXX, AS AT XXXX WITH ALLSO THE SITUATION I WAS NO MORE RESIDING THERE I WONDER WHY THE BANK WILL HAVE THIS ON MY REPORT, THE HOUSE WAS ALREADY DESTROYED BY FLOOD AND FIRE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This vehicle was in 3 accidents because of a defective engine part and issues that occurred 5x in less the 5 months all major engine issues. The car wont accelerate ND SHUTS OFF. i was told to leave vehicle at dealership and that GM would buy back the car yet 4 months and nothing no car no information the evade my calls. I have no car and I was paying load till last month but I cant pay for a car that I dont have and that is a danger to myself and others. Fixed 5 x and always breaks each time. Engine and transmission issues. I am paying for a car rental GM said they pay but I am stuck with the Bill I want this account removed from all credit agencys as it is a vehicle that is a lemon and the cause of 3 accidents with its shutting off. It is ruining my life and my credit cost me my home and potential future home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

90 day late on credit report. Loans were to be in deferment. Enrollment verification submitted to show enrollment for date of late payment. Still showing on report.
Product: Debt collection

There is a medical debt listed on my XXXX credit report that is not mines. I have contacted the collections department/credit bureaus disputing this debt however it is still showing on my XXXX credit report. This is not my debt.
Product: Credit reporting or other personal consumer reports

SYNCB/AMAZON Inquiry XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Unrecognized Inquiries on Credit Report Dear CFPB, I am writing to dispute several inquiries on my credit report that I do not recognize. These inquiries are impacting my credit score, and I believe there might be an error. I have attached supporting information to aid in your investigation. 

Thank you for your prompt attention to this matter. 

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

On XX/XX/XXXX I tried to access my free annual credit report through transunion. I gave all my information and was forced to sign up for a transunion account. So I did and and it asked for my credit card information which I thought normal until I was charged XXXX twice and still didn't get to see my dam report or score. I was scammed out of my money and have nothing to show for it. I accessed transunion through the XXXX which stated it was free for the three credit bureaus.
Product: Debt collection

I was under the impression that a medical bill through XXXX in the amount of {$300.00} was on an automatic payment plan and so I had not paid the bill off manually like apparently was what I had to do. I was not aware of this, and thought I had set up a payment plan where XXXX would automatically take money out monthly. This was not the case, I was meant to pay it manually each month but was not aware of this, so the bill went unpaid. XXXX then sent my bill in the above-referenced amount to a debt collecting agency called USCB , Inc . I was not notified of this by either XXXX or the debt collection agency. When I got a notice of a the past due bill, I immediately called XXXX on XX/XX/20 at around XXXX to try to figure out the issue. They stated they had sent the bill to the collections agency called USCB, Inc. in XXXX XXXX, CA. 

I called USCB immediately after on XX/XX/20 to deal with the bill and pay half of it upfront. When I called USCB, they notified me that there had already been {$12.00} ( roughly ) accrued in interest on the bill, even though they only had it for several days, according to them. I asked them how they can possibly charge people interest on a bill that the person responsible for paying it did not know it existed in a debt collection agency? I have not received a single piece of mail, not a single email, and not a single phone call that my bill had been sent to debt collectors, and now, it was already accruing interest. This is extremely shady to me. How can you collect interest on a bill that you were never notified you owed on? I had no idea this bill was sent to the debt collection agency USCB and they were now trying to demand that I pay interest on this bill I never knew existed there. 

This seems extremely illegal to me. This company should have to notify people when they have received a bill IMMEDIATELY, and take action to make the person responsible for paying the debt aware that they have the bill and that they are accruing an absurd amount of interest every day. I would like this to be looked into. How many people have gotten scammed by this company thinking they are responsible for interest on a bill they didn't know they owed on? How is this legal? I would like to start here first and would consider contacting an attorney to uncover whether this practice is legal. I am disgusted by this company 's shady practices and am lucky that I am not afraid to demand explanations but others may have no idea it is their right to dispute such a charge. I would like the CFPB to look into this company and whether the practice of not alerting people that they have their bills while accruing interest is legal.
Product: Checking or savings account

Hello CFPB, I had a bank fraudulent transaction on my account and I have already spoken to the XXXX XXXX Police Department about my situation. I spoke with an individual online about a XXXX XXXX profit-making opportunity via XXXX. Her business handle was XXXX XXXX. I deposited an initial {$450.00} dollars for a transaction through a business medium called XXXX for {$450.00}. I didn't authorize any additional transactions further and I saw through my bank account that I got an additional {$5600.00} taken out of my bank account and before I could make a stop to this transaction ( which was at the point pending ), I was wrongfully addressed by a Wells Fargo representative that to file an investigation the file had to be an active transaction before they make any investigations, so I didn't pursue with the block on this pending transaction which was done via XXXX and XXXX ( bitcoin transaction ). This was entirely wrong and I was unlawfully taken money out of my bank account by scammers, I am unsure how it happened but I want my money back and I have supplemental information to provide proof of this. 

Please let me know what you can do because this isn't right and I need answers.
Product: Debt collection

XX/XX/year> account # XXXX amount {$880.00} under 15 us 1692g for them to proof that its my obligation to repay, proof of a perchase agreement, from the original cridetor, the date, time, and the puchace amount, FCRA, US 1681B what is the perrmissionable perpus, so under FDCPA please under this law please provide me info or remove the inaccurate info from my report thank you XXXX XXXX and im sending this sane letter to all XXXX credit bureau XXXX, XXXX XXXX, XXXX FTC, CFPB, FDCPA, FCRA
Product: Credit reporting or other personal consumer reports

I previously disputed these accounts with the relevant credit bureau ( Experian ) requesting that they verify the accuracy and legitimacy of these accounts in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify these accounts correctly, despite their legal obligation to do so. As a result, these charge-off accounts remain on my credit report, causing significant harm to my credit score and overall financial situation. 

The details of my dispute are as follows : 1. Account Number : XXXX Creditor : XXXX  XXXX 2. Account Number : XXXX Creditor : XXXX  XXXX. Account XXXX : XXXX Creditor : XXXX 4. Account Number : XXXX Creditor : XXXX  XXXX 5. Account Number : XXXX Creditor : XXXX 6. Account Number : XXXX Creditor : XXXX  XXXX Since the credit bureau could not verify the accuracy of these accounts, I have reason to believe these accounts are fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent accounts remain on my credit report. 

Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate. 
FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on furnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information. 
FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this section emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed. 
FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports. 

I Attached to this complaint : previous dispute letter and a second dispute letter, FTC report, identity and address documents, accounts disputed, and all the inaccurate information highlighted. Thanks for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute XX/XX/XXXX claim # XXXX requesting to be sent verification of debt for : XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX {$50.00} & {$300.00}, XXXX XXXX XXXX XXXX {$260.00}. I received confirmation that the debt was verified well beyond 30 days later XX/XX/XXXX, but no results were sent to me.
Product: Credit reporting or other personal consumer reports

So I was XXXX XXXX XXXX XXXXXX/XX/XXXX up until XX/XX/XXXX and my card was used and paid for through these months. I don't want to explain too much so I have added documents showing my XXXX  date, ( Day of XXXX ) and my XXXX date. The day I was held until. Therefore that shows where I was, when and how long. I have added a few documents but I had not made a payment personally since before XX/XX/XXXX. After that date I was struggling with legal problems and had went to XXXX XXXXXXXX after another. I was not home, I did not have any of my cards or phones. I couldn't access my emails and phone numbers and I had no access to the XXXXXXXX XXXX Therefore I don't know who used it when they did. If they made payments for a little while or not and then they maxed out and just stopped making payments. 
Now so that you know I was back home at the date I was released on XX/XX/XXXX. This is when I finally returned home and a week or so later I found out about this credit line and how much I owed. I made a {$20.00} payment out of confusion and wanting to resolve this, but later I investigated and seen that there had been transactions and what not that I did not make. So that's why I'm here again reporting and disputing this account once again because I need to resolve this. I will pay back what I owe but {$880.00} is not what I owed. My credit limit was only {$400.00}. As you can see there must be a lot of fees and whatnot because of no payments and I'm very stressed out about this as my credit is very important to me. I'm only XXXX XXXX XXXX and I've always did my best to spend what I can afford and make on time payments. I can not have this report remain on my credit as it was fraudulent 100 % I'm very thankful for anyone who looks into this and I will leave another message down below. Thank you for your time.
Product: Mortgage

My principal balance was {$35000.00} on my statement for XX/XX/XXXX. When the loan was transferred to PHH the balance became {$50000.00}. My loan was modified back in XXXX with principal forgiveness of {$8700.00}. The unpaid balance was {$41000.00}. My mortgage payment is drafted each month on time. I have been current on my mortgage to this present day. I questioned the increase in my balance and was given a letter stating I had outstanding principal. They also mentioned I was assigned to HUD under their " Assignment Program '' and payments submitted were less than the contractual amount. I requested my payment history and that isn't true. Payments I made would have been sent to suspense if they were less than the contractual amount. I have not signed or requested any additional assistance from my mortgage company since XXXX. I have not received a legitimate reason for this increase. I don't want to be responsible for any servicing mistakes that may have been made 10 years ago. Thank you.
Product: Vehicle loan or lease

I have 13 late payments on my car loan with Nissan Motor Acceptance. I was having financial hardship with repaying my loan and fell behind on payments at one point. I have reached out to the company with a goodwill letter in hopes that they would honor it and remove but was unsuccessful and they weren't willing to change the status. i am current and have been for the last 12 months.
Product: Credit card or prepaid card

My wife and I filed our taxes on XX/XX/2023 with XXXX XXXX. We opted for a refund advance and were required to open a Money Spend Account with Credit Karma, which my wife did. We received our advance no problem, it was for {$1000.00}. On XX/XX/XXXX the account was closed with no notice and the remainder of our tax refund was due to be deposited on XX/XX/XXXX. We tried virtual chat and was given a number to call so we tried that. We were told they could offer us no information and to look for an email which we still have never received. We made multiple attempts to talk with Credit Karma about the situation and have been hung up on multiple times, once by a supervisor named XXXX. The IRS shows the deposit as being accepted and still in Credit Karma 's possession, the full amount of the deposit was {$7100.00} this is before the advance and fees are taken. Credit Karma claims to not see any deposit and there is nothing they can do. The IRS gave us a trace number for the deposit and once again we were told by Credit Karma they could give us no information look for an email. This delay in receiving our money has forced my wife, stepson, XXXX  brother in law, and myself into being basically homeless, we currently are staying in a friend 's spare room. I just want our money. We paid for this service and they seem to be holding our money hostage.
Product: Debt collection

This debt for {$14000.00} is for Capital One Bank. No date is given as to the debt. The collection agency is XXXX XXXX XXXX, XXXX -- XXXX XXXX XXXX -- XXXX, VA XXXX. The Debt is very old as it states on the collection request : " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report payment or non-payment of it to a credit bureau. '' I will not pay this debt and I want all communication to cease, either by phone or mail. If it does not cease I will consider legal methods. 
Thank you.
Product: Checking or savings account

I am being charged {$10.00} per month however, I should not be charged at all.
Product: Money transfer, virtual currency, or money service

Previously I had sent tens of thousands of dollars through Wise to vendors domestically and internationally with no issues. Suddenly on the last transaction they required biometric verification of me holding an ID with no explanation why. When I inquired about how long the biometric data would be stored, I couldn't get a definitive answer. Most of the responses didn't have a human 's name in the signature, some said 1 year, some said 6 years and nobody really addressed the previous emails. This started in XXXX and despite saying resolution times are 14 days, months went by. The tone of the emails was dismissive. After pressing and sending FTC regulations on the policy, I was told I could " submit complaints to XXXX  and CFPB ''. 

Email screenshots attached. Dozens of other similar emails not attached. 

I'm also selecting " TransferWise '' as the company but they have renamed to WISE.