23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A collection agency began reaching out about charges that were over XXXX years old from an apartment rental I stayed in with XXXX mates from college. The charges that were presented did not align with the lease whatsoever, but the collection agency showed no concern about correcting the matter or looking into my statements. I have asked for a verification of these charges and their alignment with the lease contract, but have received nothing in return except a " verification of debt '' that they present, which is the charges that were drafted up over XXXX years prior from the apartment complex, which I had never received before. 
I have personally gone through the lease contract and can not identify any legitimacy for the drafted charges, meanwhile the collection agency has failed to provide me a thorough representation of their validity in relation to the physically signed contract. 
The debt amount began at {$7700.00} ( nearly XXXX the rent amount ) and continues to grow and accumulate interest despite having not been provided with a reasonable justification for the charge. The contract period was from XX/XX/XXXX - XX/XX/XXXX.
Product: Checking or savings account

XX/XX/XXXX : I am receiving information from a collection agency requesting I pay BMO Harris Bank {$890.00} for a checking account opened that is in my name. I never opened an account with BMO Harris Bank ever. XXXX XXXX XXXX  sent bank statements from XX/XX/XXXX until XX/XX/XXXX stating I deposited {$4900.00} and withdrew {$5800.00}. It has my name and address but this is not something I did. I called the Bank last year and left a message with a man and told him I never opened an account. I had asked for a signature card or any information that they could give me that shows I opened an actual account with them ( I did not ). No signature card or information except bank statements with my name and address. Someone fraudulently opened a savings account in my name and withdrew money ( over drawn ). It was not me.
Product: Credit card or prepaid card

I placed an order with XXXX online witch i then bought furniture I did not receive the livingroom set sofa loveseat and chair. I bought a dining room table set with 10 chairs that i sent back due to damages but I was never giving a refund for any of these items. 

I also placed an order with XXXX and I canceled my trip but I was not refunded I called XXXX I also called XXXX XXXX both places told me there was nothing I could do. I called XXXX XXXX   with all of my information but they did nothing as well to help me. 

Charges for : XXXX {$2000.00} Charges for : XXXX {$1000.00} I also have inquiries on my report that affect my credit score and I have no knowledge of these 6 hard inquiries that hurt my credit report. I did not authorize theses inquiries and Im requesting that it gets removed from my credit report. I am a victim of identity theft I also made a police report witch I will have for future reference.
Product: Credit card or prepaid card

This card is co-owned by myself and my daughter ( XXXX XXXX XXXX ). On XX/XX/2021 my daughter, XXXX, went to XXXX XXXX XXXX owned by XXXX XXXX ) at around XXXX XXXX She ordered either 2 or 3 drinks for herself and two friends. The bartender kept the card to keep a tab open. My daughter left the bar around XXXX without ordering any more drinks, and she forgot to pick up her card. Someone ( bartender? customer at the bar? bar owner? ) charged {$1100.00} to this card at XXXX. The tab was closed out the next day, XX/XX/2021 with a forged signature. We contacted Wells Fargo when the charge showed up, and they advised XXXX not to close the account, and that they'd take care of it. We followed their advice. They removed the charge for a period of time, then put it back on, without notifying us. We finally decided on our own that the best course of action was to report this fraud to the police in XXXX XXXX  XXXX XXXX where XXXX is located ), and they took a report and are still investigating this crime. I've spent over 20 hours talking to Wells Fargo about this, without satisfactory results. This is a clear case of fraud, with an open police investigation, and a clearly forged signature. My daughter also forwarded time-stamped photos and a taxi receipt to Wells Fargo to prove she wasn't at XXXX when the tab was closed out. I've repeatedly asked Wells Fargo to explain why they won't remove it, and they keep saying it's because there's a signed charge slip. I've had fraud removed from my other cards when there was a signed charge slip, and this signature is forged, so I'm not buying their explanation.
Product: Debt collection

I have tried to contact this credit card company, Chase Bank asking them several times to send me Verifiable Proof ( An Original Consumer Contract with my signature on it ) stating this debt of {$2500.00} is mine. They have failed to positively verify this account which has hurt my ability to obtain credit. Chase Bank continuously sends bills and collection letters in the mail that DO NOT belong to me. Under the FCRA, unverified accounts must be deleted if the company is unable to provide me a copy of verifiable proof and this company is refusing to do so. Please assist in having this account remove from my XXXX, XXXX and XXXX  Credit Report. Thank you!
Product: Credit reporting or other personal consumer reports

On Monday XX/XX/year>, I spoke with a Equifax representative named XXXX from the Office of Consumer Affairs at approximately XXXX EST. He claimed he was XXXX XXXX but refused to give me his title or position. I requested his position multiple times. By the end of this phone call, he refused to file a dispute and disconnected the line. I was able to participate in the end of call survey and left a warranted terrible review for XXXX. I've been disputing two accounts on my personal credit file that need to be removed for 7 years retention. These accounts are accurate and I'm not denying the accuracy. They are a XXXX XXXX charged off account and a XXXX XXXX XXXX  account. Both accounts are linked as they represent the same charged off balance. Please review the phone call I had the misfortune to participate in, it would be a great coaching opportunity for the rep named XXXX. No one should be disrespected or have their line disconnected while trying to resolve your issue.
Product: Debt collection

For previous credit card debt charged off by Bank of the West, I received notice of collections from XXXX XXXX XXXX back in XX/XX/XXXX. I proposed to pay XXXX per month, if able, to settle my debt of about {$9700.00} in five years. XXXX XXXX XXXX  did not respond to email requests and did not acknowledge receipt of my payments until XX/XX/XXXX when I was unable to make a payment until a month later. They then emailed back and advised me to call the collections agent assigned to my file, which was a direct violation of my request to only communicate by email as stated in the original note. 

From XX/XX/XXXX to XX/XX/XXXX, I continued to make monthly payments to XXXX XXXX when able in a total amount of {$3500.00}. My payments did not apply regularly to the account balance, and the reasoning given for this was interest rates. I distrust the agency 's records system because numerous emails were directed towards the incorrect name " XXXX '' and various agents ' names were used that did not provide further information. Also, requests were not answered to provide receipt of payments on several occasions and overall balance plus interest. I made a payment of {$75.00} on XX/XX/XXXX and notified collection agency that catch up payments would be made in XXXX for which a response was given : " Hi XXXX, This is to inform you that your account has been cancelled back to Bank Of the West, so please call them for any future payments. '' No notification was given that collections account was being cancelled. This was second time collection agency directly retaliated against my written request for no phone contact by demanding I call their office. 

Bank of the West also performed an inquiry on my credit report in mid-XXXX XXXX without my consent and without advising. I was still making a payment in late XXXX and see no reason for the company to make any inquiry on my credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account balance is a result of identity theft. I have communicated this with the creditor and they refuse to remove from my credit.
Product: Credit reporting

I am being asked security questions so that the credit reporting companies can verify my identity and none of the questions pertain to me! For example, XXXX question asked me to verify a prior telephone number, none of the choices were ever my number, XXXX question asks about a mortgage taken out in 2010 and what finance company I used, I did n't take out any mortgages in 2010 so my answer was none, another question asked what XXXX I formerly lived in, I did not live in any of choices given, my answer was none, so they could not verify it was me! I do n't know what to do, can you help?
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and I noticed that some hard inquiries on my credit report that do not have permissive purpose according to the Fair Credit Report Act anything on my credit report that does not have permissive purpose must be deleted according to the 15 USC 1681 B. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Inquiry Type Individual
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc ) due to inadequate customer service, and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent an address fraud on their platform, leaving My Account vulnerable and unprotected. Furthermore, they dispute, resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting agency can not furnish an 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Barclays and requested to close my account in XXXX. The representative said I needed to pay off the balance to do so. I paid off the amount the Barclays representative requested and he verified the account closed. 

2 months later they sent information to the credit bureau that I was 30 days late on a payment and my score decreased by XXXX points. 

I called Barclays XX/XX/27 and spoke to the representative. She confirmed that I paid off the account and closed it in XXXX. She told me that there was a {$15.00} charge that Barclays generated onto my closed account after the account was paid off and closed. She explained she could waive {$9.00} but the rest had to be waived by another department. The next department verified that they saw the notes made but could not waive the {$6.00} or help me with the negative credit reporting. I insisted she take this up to a higher level and she said she would open a case but cant guarantee anything. She also verified that in their notes I paid off my account and closed it. She gave me some explanation that Barclays was generating a late payment charge the same day I paid off the balance and therefore once I closed it, that amount still attached to my card. I challenged that explanation as the first rep that gave me the payoff amount confirmed the amount to be everything that was owed. 

I feel this is fraudulent and they have no right to report this as a late payment to the credit bureaus.
Product: Debt collection

I had a court date for XX/XX/21 for a judgement hearing, got many cards mailed to me from the court to remind me of my court date, also received phone call on XX/XX/21 which was a Friday from the court clerk reminding me of my court date for the XXXX. On that following Monday XX/XX/21 a judgement was entered against me from this debt collector Hayt Hayt & Landau, same court, same judge for my court date on XX/XX/21. How does that happen? Filed earlier complaint against this debt collector, I stated that I never got the respond back to their answer on my side, never the less, they stated in that complaint that they sent me the verification I asked for. They never did, I'm stating that here now also.
Product: Mortgage

XX/XX/XXXX Specialized Loan Servicing ( SLS ) account is current. The past due XXXX XXXX XXXX balance transfer of XXXX as of XX/XX/XXXX is not valid. The last collection call received on Thursday, XX/XX/XXXX by collection rep. XXXX stated our account is now 30 days due. I am submitting a copy of fax response sent to Specialized Loan Servicing on XX/XX/XXXX stating that XXXX   XXXX XXXX admitted to their error of misapplied payments and stated that all payments were made on time. Therefore, no payments were missed. Proof of all payments made to XXXX and SLS are attached to show proof of timely payment. Therefore our account is current before and after loan transfer on XX/XX/XXXX. Please correct past due balance to XXXX, remove all late monthly payment history from all credit bureaus and remove all late fees charged. 

I am submitting a copy of my fax response sent to SLS on XX/XX/XXXX as a complaint with Consumer Financial Protection Bureau ( CFPB ) because each time I speak to a collection representative, there is no update to my account of XXXX XXXX XXXX payment corrections or responses made myself or XXXX XXXX XXXX. The Collections Department keep stating that they have not received any updates from their other internal departments. They have no proof of all payments made for the period prior to XXXX loan transfer on XX/XX/XXXX. Each time my CFPB complaint is submitted to Specialized Loan Servicing ( SLS ), SLS closes my case and uses the same response letter written by SLS Customer Care Representative ID # XXXX, by the name of XXXX XXXX, I have attached fax confirmations, XXXX   XXXX XXXX statements XXXX to XXXX, proof of all my previous monthly XXXX payments for period XXXX made to XXXX XXXX XXXX ( XXXX   ) which were also posted on the XXXX   XXXX XXXX home equity line statements. SLS keeps stating that that they need proof of payments before they can update my records. I have supplied an online XXXX payment report of all my XX/XX/XXXX-XX/XX/XXXX XXXX   payments to show proof, which has the same payment confirmation numbers posted on the monthly XXXX   statements. From the statement it is clear that payments from XX/XX/XXXX to XX/XX/XXXX were all misapplied. Each monthly payment, per loan terms must be applied as part principal and part interest. Please make the necessary corrections. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off a Delinquent Account a few days ago, I have proof of it also. I contacted them on XX/XX/XXXX and talked to someone and they withdrew the amount from my bank account. They have yet to remove it off my credit report.
Product: Debt collection

On XX/XX/XXXX I received an email from XXXX for an agreement to settle a debt of {$1000.00}. Previously I had received an email from XXXX that the balance was {$970.00}. 

Beginning of this year I was in the market to get a new vehicle. Unfortunately I was denied due and told that I had something negatively affecting my credit history so I pulled my report to see the issue. I then found out that this account with XXXX was on my credit report. I did a dispute and never received the findings of the investigation it just came back on my credit. I called XXXX and was given the information to Foster & Moore prior to that conversation, I the consumer was not informed or contacted in any manner to inform me that my information had been sold to a third party. At the time I did not have much understanding of the process I just wanted to be able to purchase a new vehicle so I called to discuss the account. Again, because of my car situation I just wanted the account to be removed from my credit report so I called and asked if I were to pay it will the delete it. I received an email confirmation letter stating if I made a payment {$970.00} by XX/XX/XXXX that they would inform XXXX that my obligation for the debt had been paid in full. The amounts claimed to be a debt do not match. There was never any validation or investigation done. 

My complaint with Foster & Moore is the fact that I never signed a contract with them. I was also never provided any documentation from XXXX when I disputed this on the findings from the investigation. I dispute this debt a contract was never established my consumer rights were violated when my information was sold without my permission. If you disagree please provide proof in writing.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Fraud Department XXXX XXXX XXXX I am writing to dispute the following information that your company provided to credit bureaus. 

This item credit inquiries on credit reports is fraudulent, on XX/XX/XXXX because my identity was stolen and i did not authorize my credit to be ran. I am requesting that XXXX XXXX XXXX and have the inquiries ( s ) removed. 

Enclosed are copies of the identity theft police report supporting my position. Please re investigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX Enclosures : Police Report
Product: Credit reporting or other personal consumer reports

Trying to emergently put a credit freeze on my reports. Equifax will not let me log in - when I go thruogh the hoops, a screen pops up saying, " We are temporarily unable to complete this request. '' No number to call, nothing. If I try and start over and create an account, it says I already have one. Round and round I go.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifaxcredit reports now in XXXX is totally not helpful and does not know anything but what that are told.

1. 3 hard inquires that my die was frozen. I triedfor a year going through them and it is more then frozen.They don't allow me into ny credit for.Since they moved t XXXX they have my score even messed u p. They let credit cards close down but tried to lEt there cards that they get rgit get over credit freeze and give me HARD INQUIERYS. 
A. XXXX XX/XX/2020 B. XXXX XXXX  XXXX C. XXXXXXXX XXXX XXXX XXXX All 3 were on credit freeze that whole year until today. 
No investigation was made like FCRA SECTION 609, 611 OR 625 were not even used for any thing wrong with credit file. My score should be over 750 but they made cards close by letting them use my report to see info like was I using there cards or stuff that was licked.
Product: Student loan

XX/XX/2018 - My assigned academic advisor informed me if additional money to afford attendance at XXXX XXXX I would be required to obtain a private student loan. She advised I borrow {$40000.00}. Discover Private Student Education Loans responded immediately with an approval. XX/XX/2018 I called the bank and was told the XXXX had approved {$36000.00}. When I called the XXXX I was told checks of that size required two signatures and the XXXX was on vacation and my only option was to wait for him to return. Discover had assured me it was in my best interest to take a variable rate to keep my payments low, as they would simply refinance them in case I needed more assistance. Weeks later the XXXX returned and my check was mailed to me. After multiple grievances with the skelton staff, price gouging, and rare availability to me as a distance enrolled student. Months later it became evident this was simply common practice. As I let them know the money I was borrowing for little to no instruction was unacceptable. As I quickly found another program, I gave them proper notice. They promptly further informed me I would need to pay for the semester they had enrolled me before giving notice, I refused. Now having XXXX XXXX XXXX from a reputable program COVID was slowing down and, as instructed, I called Discover back as we had previously arranged to reduce the rates and lock them around 2 %. I was told the offer was not available, and rates could only be locked at 8 % and 11 % respectively. They allowed me another year through another special program for borrowers just like me. I accepted, once again believing in a year things would be better, and rates would go down as promised. They never went down. At just over $ 500 monthly I have lost my job and am unable to make these payments. As the bank states that have no options for me, I now am near defaulting for the first time ever on a student loan. Both the school and Discover continue to plague me to this day whether its these payments or needing to request official transcripts. I assure you, neither institution have been easy to work with and I need your help to challenge the loans and remove them so I can move on to paying for the Federal Loans that afforded me a quality education. Thank you in advance for resolving this miserable experience.