23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Late Payment 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
Product: Credit card or prepaid card

XX/XX/2021 PNC Bank I received three preprinted checks from PNC bank to be used to transfer balances. I called PNC and spoke to XXXX who explained that if someone fraudulently cashed one of these checks, that PNC would cover it. I spoke to her supervisor, XXXX who confirmed what XXXX said but indicated that I had to report the fraud. XXXX indicated that a {$2000.00} check would probably get PNC 's attention but smaller amounts might not and would need me to identify the possible fraud. I use my credit card for everything and place thousands of charges monthly. I do review my statement but I assure you I do not pay much attention to smaller charges so I might not even notice the fraudulent charge if it was not in the noise level. I'd not question a {$60.00} charge. If I do not question it, PNC would not address it and I would be out that {$60.00}. 

PNC or any bank should not be allowed to send out these checks and put their account holders at risk.. It should be illegal and I intend to contact my representative and senator.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I hereby submit this correspondence to dispute the accuracy of the collection account reported by XXXX XXXX XXXXXXXX on my credit report, and to demand a cease and desist regarding the same. The account details are as follows : * Reported Date : XXXX XXXX, XXXX * Balance : {$180.00} * Overview : Needs Attention. You have 100 % left to pay on this collection. 
* Original Creditor Name : XXXX XXXX XXXX XXXX XXXX * Opened Date : XXXX XXXX XXXX  ( XXXX yrs, XXXX mos ) * Account Status : Open * Type : Derogatory * Responsibility : Individual * Remarks : Account information disputed by consumer, meets FCRA requirements I assert that the reporting of this collection account violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : * Inaccurate Reporting : The reported balance and account status do not accurately reflect the true state of the account, contravening FCRA 623 ( a ) ( 1 ) ( A ). 
* Failure to Investigate Dispute : XXXXXXXX XXXX XXXXXXXX has neglected to conduct a reasonable investigation into my dispute, as mandated by FCRA 611 ( a ) ( 1 ) ( A ). 
* Failure to Report Accurate Information : XXXXXXXX XXXX XXXXXXXX has inaccurately reported information regarding the original creditor, in violation of FCRA 623 ( a ) ( 1 ) ( C ). 
Furthermore, pursuant to the statute of limitations for creditors to report a collection account in the state of Oklahoma, which typically spans 5 years, any collection account exceeding this timeframe is deemed time-barred and should not be reported on my credit report. Thus, the reporting of this account constitutes an additional infringement of my FCRA rights. 
Moreover, I hold TransUnion accountable for allowing this account to persist on my credit report beyond the statute of limitations, thereby further breaching the FCRA. 
Should this dispute not result in the deletion of the aforementioned collection account, I will be compelled to escalate this matter to the Attorney General of the state for the violation of my FCRA rights. 
I demand that the Consumer Financial Protection Bureau conduct a comprehensive investigation into this matter and ensure that XXXX XXXX XXXXXXXX and TransUnion rectify the inaccuracies and expunge the collection account from my credit report. Additionally, I request written confirmation of the investigation 's conclusion and the subsequent corrections made to my credit report. 
Please consider this as a formal dispute and demand for a cease and desist regarding the inaccurate reporting of this collection account. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

no activity on this account since XX/XX/2019. Reporting only on my Equifax. Called creditor @ XXXX. The creditor shows 2 active accounts for me, but none of which are with crescent any more. The account is outsourced to XXXX XXXX contact number, no good.
Product: Debt collection

The apartment complex named : " XXXX XXXX XXXX XXXX '' is attempting to falsify and report negative information on my credit report. 

I have NEVER lived in this apartment, never signed a lease or etc! I am being told to pay {$1700.00} I am being harassed and DEMAND for this to be removed. 

Apartment name : XXXX XXXX XXXX XXXX Address of apartment : XXXX XXXX XXXX XXXX, XXXX AZ XXXX The Creditor : Cullimore & Coleman, XXXX XXXX XXXX XXXX XXXX AZ
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts and fraudulent inquiries showing up on my credit report. I have asked TransUnion to remove them before with no help And today I spent another hour of my time asking for help. The lady that I was asking to help me with my issue said she couldnt help me and refused to connect me to someone that could help me. The agent was no help at all. 

There is an account from a place called XXXX XXXX showing up on my Transunion Credit report that is not mine. It says the following XXXX XXXX Account # XXXX opened XX/XX/XXXX {$510.00} balance Collection account. 

This is all inaccurate. I have never opened or had an account with this company. I have never spoken to anybody from this company nor signed any documents or contracts with them. I haves never applied for credit with this company.. I want this. Account removed from my credit profile immediately and permanently. 

The other account that is showing up has been disputed several times to be removed from my credit profile and TransUnion has refused to to help me. That account is as Follows XXXX account # XXXX Date opened XX/XX/XXXX Charge of of {$1100.00} I have never used XXXX XXXX services so Neither of these accounts are mine and are in direct violation of the Fair Credit Reporting Act 15 U.S.C. 1681 I have consulted with an attorney and we will be filing a lawsuit pertaining to both of these fraudulent charges against TransUnion if these accounts are not removed immediately and permanently as they are both inaccurate and fraudulent. We will also be filing for TransUnion to reimburse for all attorneys fees and court costs. 

And there is 2 fraudulent inquiries on my credit report that were illegally done they are as follows XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

A collection agency, USCB AMERICA, is trying to collect an alleged debt I owe to XXXX XXXX in California. I expressed my desire to settle the debt it had been provided and was a justifiable charge. These would be the same requirements I need to submit to my insurance company in order to be reimbursed in a timely manner. 
No proof or document has been provided so far. All I receive is an incessant bill in the mail that includes interest on the alleged debt. I am not refusing to pay but I need to justify and prove to my health insurance carrier, in a timely manner, that I need to be reimbursed for the medical expense. I am 80 years of age and I am having difficulty getting the proof I need. I have written my healthcare providers and have not heard from them either. Please help.
Product: Credit card

Got best buy credit card, witch I did not signup for. Somebody charge XXXX dallors on it before it was even activated.
Product: Vehicle loan or lease

On XX/XX/2019 i applied for a loan with XXXX XXXX  for a used vehicle they approved me for XXXX at 24 % interest i live in pa XXXX county went to XXXX XXXX with my paperwork from XXXX XXXX   they really tried to help me but said that in the state of pa a car loan cant be any hirer then 21 % they contacted XXXX XXXX and told them that and XXXX XXXX said they are allowed i also contacted XXXX XXXX told then that tried to get them to comply with state law they said they were allowed because it was a direct loan but XXXX got legal advice and was told was not legal this needs to be investigated how many people out there in pa are paying 24 % if it is illegal people are being prayed upon by this company please let me know if its legal or not I canceled my loan i really needed help with a vehicle loan
Product: Credit reporting or other personal consumer reports

2 months ago, I got my insurance bill that was being renewed by XXXX XXXX. I have had them for a few years, and they were increasing my premiums substantially. I thought that was odd, so I called another insurance company XXXX to get a quote to possibly change and they denied me coverage. They told me that there were 5 accidents on my record showing me at fault. I have been in a few accidents over the past 3 years, but I was not driving in any of them and all but 1 was labeled not the driver at fault who was actually driving the car that I was in at the time. Since I was not driving, and the accidents were not the fault of the driver of the vehicle I was in- why would they show me at fault? They should not be showing on my record at ALL. There was also an accident from a previous boyfriend that I had no idea he had an accident and was not in the car- this most certainly should not be listed on my driving record. When I called LexisNexis and reported all of this as inaccurate- they let me know they were going to " Investigate '' this, and I put investigate in quotes bc I got a letter 30 days later from them letting me know they called XXXX XXXX XXXX find out about the data and they deemed all the information on my driving record as ACCURATE. Completely unbelievable. Now I let them know that was unacceptable and appealed that decision. Now they want me to jump through the hoops to prove my innocence while I am still being overcharged by liberty mutual and being denied coverage from anyone else b/c of their reporting it shows that I am too much of a liability to even insure. I should have XXXX  accidents under my driving record. PERIOD. This needs to be fixed. If they are doing this to me- I bet, they are doing this to millions of other Americans, and it needs to be fixed. They need to be held accountable.
Product: Mortgage

My mortgage company stopped escrow without consent. It is clearly written in my contract. I have been working for a over month to have my taxes paid. This will be added now to my monthly mortgage payment. They guaranteed my taxes will be paid but still are pending. I have made several calls with no resolution. I am told it is being worked on by the tax department through the mortgage company. I do not get call backs even though I have asked to be called. I ask what I can do to help resolve this issue. I am told there is nothing more I can do. I have contacted my local tax collector and they have also sent the delinquent tax information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their 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 have caused significant inconvenience and financial loss, and I seek appropriate redress. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their 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 have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.
Product: Debt collection

Midland Credit Management called. They were told that there is no debt. I get at least 5-6 calls a day from them. I blocked the calls on my phone. They keep calling.
Product: Vehicle loan or lease

On XX/XX/XXXX I returned a phone call to Tidewater. I was advised my account was " under director approval '' for non-payment. The agent asked if I intended on making a payment to which I replied " Yes, I usually pay around the XXXX of the month ''. The agent replied " Actually last month you paid on the XXXX and the month prior the XXXX ''. While her intent was to argue, she actually affirmed my statement and also affirmed that I had indeed been making payments ; which Tidewater has accepted with no issue.

I again advised her I would be making a payment for {$320.00} plus a late fee on the XXXX. She then placed me on hold to speak to my " Account Manager ''. She returned advising Tidewater would not accept any payment unless it was made via Debit Card.

By doing so, Tidewater has violated consumer protections in regards to abuse/deceptive business practices. She also made a comment they do not accept check payments from me.

As my account clearly reflects, my payments are made via Online Banking Bill Pay through XXXX XXXX  XXXX. If my account is truly documented in such ways, why would Tidewater honor previous payments?

I was advised if I made a payment it would be returned and not honored unless I agreed to make a debit card payment through them. Further, I was advised my account would he escalated for non-payment even though I just offered to make a payment. For the record, all phone calls to and from my cell phone are recorded and retained for legal protection. Tidewater has been previously made aware of this and also records conversations on their end. This voids any recording notice that they feel they should be entitled to.

Tidewater charges for payments initiated through them regardless of the method used. Tidewater charges {$10.00} for all payments made regardless of amount. Tidewater 's business practices not only allow it to make substantial profit via this practice but also pass on added costs to consumers. This practice is clearly abusive and aimed at producing additional revenue. ACH payments cost lenders less than {$3.00} per transaction. This business practice is a ploy by Tidewater to take advantage of customers financial situation by offering sub prime lending products and charging unreasonable and unethical fees for such products in regards to servicing.

Tidewater also violated collection laws by contacting 2 parties that are not of any relation via blood or marriage to me about the status of my loan.
Product: Debt collection

I have contacted this companies ( XXXX XXXX & XXXX XXXX XXXX ) about these debts, they have fail to provide me with the : Original application or contract, Any and all statements allegedly related to this debts, Any and all signed receipts, and any and all cancelled checks, in accordance with the debts collection practices acts section 1692G.
Product: Mortgage

I lost my job nad was not able to make payments. I was referred to the XXXX owners Held Line located in XXXX FL help me modify my monthly payment. They asked me to send documents and i was charged XXXX . I sent all the documents they were asking for with a deposit of XXXX . The kept calling me to send them the remaining balance of XXXX. I refused because i didn't receive any updates from them about the case evolution. 

It has been 3 months i'm calling them in vain. All the mortgage statements go to them. I don't receive any statement from the mortgage company for a while. I don't know what to do now.
Product: Debt collection

Receiving multiple letters and Phone calls from Jefferson Capital Systems LLC ( Address : XXXX XXXX XXXX XXXX, NC XXXX ) Saying we owe a debt in the hundreds for which we are not familiar with the vendor and that they could take legal action or sue. 

We were hit with anxiety and panic and XXXX searched the company turns out 80 % of web pages brought up are warnings that this is a scam. 

We are on top of our finances at the moment and want to stopped being harassed with a hoax company and false information threatening legal action.
Product: Payday loan, title loan, or personal loan

XX/XX/2023 was my first payment to XXXX XXXX for the purchase of animals from XXXX XXXX in XXXX Ohio ( ferrets ). The total loan amount was {$720.00} with an APR of 133.97 %. At the time of signing this agreement, I was XXXX XXXX XXXX and did not know the meaning of interest rates. I was rushed to sign the papers and make the purchase by the company, XXXX XXXX. I have come to learn that this APR would be considered a " predatory loan ''. I did not realize this until early XX/XX/2023 when I found that I still owed {$750.00} on my loan. I had made payments of {$42.00} biweekly up to that point, which would have been around 15 payments. Logically I should have only owed about {$91.00}, yet my balance was still {$750.00}.
Product: Credit reporting or other personal consumer reports

I never gave any written consent to furnish any private information to any corporation. 
As of XXXX XXXX XXXX  has reported an account to my credit report of {$8100.00} with zero consent from myself. 
Account # XXXX They have violated my rights and have humilated me in front of friends, family and work place. 
My credit went from XXXX to XXXX in the matter of a month do to this fraudulent activity. 
I can not apply for any of my own credit do to this fraudulent activity. 
I exercise my rights using the federal codes and demand these accounts be removed from my report immediately. 
15 US Code 1681c 15 US Code 1692
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX  XXXX XXXX Balance Owed : {$1900.00} 2. XXXX XXXX  XXXX Balance Owed : {$3200.00} XXXX XXXX 1. XXXX XXXX XXXX Balance Owed : {$1500.00} 2. XXXX  XXXX XXXX Balance Owed : {$640.00} 3. XXXX  XXXX XXXX Balance Owed : {$1900.00} 4. XXXX XXXX  XXXX Balance Owed : {$3200.00} TRANSUNION XXXX 1. XXXX  XXXX XXXX Balance Owed : {$1900.00} 2. XXXX XXXX XXXXXXXX Balance Owed : {$3200.00}
Product: Credit reporting or other personal consumer reports

Hard inquires reported on my credit report from companies I never gave my information or written signature to Coaf XX/XX/scrub>/24 & XX/XX/year>24 XXXXXX/XX/XXXX XXXX/XXXX/24 XXXX XXXX/XXXX/24
Product: Vehicle loan or lease

Last XXXX i called in USBank and asked for lease payoff on my XXXX XXXX XXXX she gave me the dollar anmount i paid in full. Come this XXXX or XXXX i get letters from USBank saying i owe, i call in and they say its personal property tax and I DO NOT owe that until lease end. Ok i call in again after getting late dues for payments missed they can not explain anything and now i owe late fees. I say whats the ammount to keep me out of collections as the lease is in the last month and i planned to turn it in and use the positive equity on it to pay off any remaining dues. I pay the ammount said and guess what. Now im in collections. There is many problems here. Please help!
Product: Student loan

Dear Team, As we hear more and more about the damages and faulty practices by both schools and lenders my story is no different, a great travesty! The two loans which were consolidated in XXXX are essentially the same balance at hand in XXXX after still paying over {$110000.00} and yet they want another 20 year commitment for {$120000.00} balance to consolidate again. Just criminal. I have paid before consolidation in XXXX and from XXXX onward to XXXX with the same if not more outstanding balance. AES is the gatekeeper who does nothing after repeated calls because they are NOT the lender. every time I call to ask for some kind of forgiveness they will not honor even after working for nonprofits which are listed for forgiveness because my loan does not qualify. Again, I have had and made consistent payments for over 20 years. The loans came with a very high weighted interest since loans were originally taken out in the XXXX so now at 6.125 % for {$38.00}, XXXX and {$81000.00}- they are now at {$39000.00} and {$87000.00} with consistent payments of well over {$130000.00}. They were never honest and up front as to the types of pay back the loans that would be forgiven so even when I made consistent payments they did not fall under the description for forgiveness.
Product: Credit reporting

I have not used XXXX XXXX in any instance. I dont know how XXXX is on hard inquiries, i did not use them in any form
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting on my credit report. They are both reporting the same collection with the same balance and account number on XXXX. XXXX is only reporting the same collection on XXXX and not the other bureaus. This is a violation and it needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I mailed a certified dispute letter to XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 1200 complaints on CFPB they also have over 100 complaints with the XXXX.
Product: Debt collection

They called a friend of mine and harassed him. They were apparently trying to locate me. They called me tok and did n't leave a message. I am certain that they are using call spoofing.