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

On XXXX XXXX  report all info incorrect. Someone is sending bogus info to XXXX XXXX  talked to banks involved they never sent info to XXXX XXXX  they are go to send me letters that the info is a fraud. Waiting for police to send me police report I filed about this bogus info. I know who is doing this you will see when I get report
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 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 for these violations.
Product: Credit card

Navy Federal DATE OPENED XXXXXXXX XXXX XXXX  BALANCE {$0.00} ACCOUNT TYPE Credit Card CREDIT LIMIT {$200.00} HIGHEST BALANCE {$140.00} RESPONSIBILITY Individual ACCOUNT DISPUTED Did not open account dispute ID theft
Product: Mortgage

I have asked for a request to pay off the remaining balance of my account with a horrible company. The company have prolonged the process so the can continue making money with interest and payment fees. The first attempt of asking for the payoff of my account I was told inaccurate information ( would be faxed within the next 20-30 minutes ). I then proceeded to reach back out to the company after making the payment of the remaining balance that is listed on my account-with no pay off demand received from the company. I spoke with the first agent in which didn't recite the correct payment that was received from me by the company. I got the agent to research the payment I had just processed to make sure the company was not play with such a huge amount of money. After getting the recent payment information confirmed, I proceed to ask what the balance was on the account. The agent was completely confused and begin to argue with me. I requested to speak with the supervisor in which I was advised there was still a balance on my account and that I payoff demand was faxed to me on yesterday. The supervisor proceeded to tell me that a payoff demand take 48 hours to process after I advised him I never received such information. I proceeded to request one more payoff demand to be mail via mail to me. The supervisor was very irritated with me as well as the what I was requesting. In the middle of the supervisor processing my requesting and me voicing my opinion about how this is being handled, the supervisor hung up on me. The supervisor 's name was XXXX and was not nice at all especially to a person that was paying off their account. The request that I have asked from this company is not unheard of but how I was treated for attempting to fulfill my commitment to a contract was unprecedented. I had more time to review the company that was now over my loan and the company has several complaints as well as reviews about how their billing and services are handled. If this company has so many concerns and alarming complaints, why is there no one regulating this? Why is there no check and balances in place? Me being a consumer, I should not have to deal with issues like this coming from a company rated so high by the XXXX. I'm in complete awe and disbelief that I'm not having to reach back out to this company to confirm payoff request has been processed and being mailed to me. The values that are displayed within your employees is a direct reflection of this company and the services they have to offer! This company is not consumer friendly and they do not have the family values that are portrayed across their brand!
Product: Credit reporting or other personal consumer reports

I attached the letter explaining the issue that occurred over 12 years ago with Citibank. Just because I withdrew $ XXXX cash out of my checking account at the time to pay for remodeling my house they closed my checking, savings and credit card at Citibank XXXX My payment history is excellent with XXXX XXXX XXXX XXXX cards, Master card, Home loan, XXXX XXXX XXXX XXXX, XXXX card, XXXX XXXX card, XXXX XXXX, XXXX credit card, etc. 
I have an excellent credit score in the high XXXX 's, payment history, always pay all my bills on time. Just because I withdrew cash out of my checking account long ago they should not continue to blackball me. I want to obtain a Macy 's credit card to get the extra discount on furniture and new mattresses but because Citibank underwrites the Macy 's credit card they continue to freeze me out. What happened 12 years ago should not affect approving me for a Macy 's credit card by Citibank. 
I would greatly appreciate Citibank looking into this matter and approving my credit card application. Thank you so much!
Product: Debt collection

THIS IS A REQUEST FOR AN ACCOUNT CHAIN OF TITLE/OWNERSHIP VERIFICATION OF DEBT. RE : AFNI, INC # XXXX To whom it may concern this is the 3rd or 4th Debt collection agency attempting to collect a debt that has never been verified, never sent noticed before placing it on my credit file violation of both FDCPA & FRCA FEDERAL LAWS. This account has been illegally re-aged 4time prior to landing in the current office database of AFNI INC XXXX XXXX  XXXX, XXXX IL XXXX. This complaint is submitted under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. PLEASE DELETE THIS FILE AT ONCE. IT HAS BEEN IN DISPUTE SINCE XX/XX/XXXX BEFORE IT WAS TRANSFERRED TO THE AFNI, INC # XXXX.
Product: Debt collection

Well I use to have a XXXX XXXX card however the company closed. However about an year and a half ago I go really behind so I set up a payment arrangement through the company where they would take out so such money from my account which they did for a whole year tell my account was at XXXX. The payments were to be removed by ACH. With the company closing I tried to utilize the XXXX dollar balance that was available however all the stores had close 3 days before what was weird is I had an available line of credit of XXXX at that time I owed nothing then Comedity bank started calling threatening me that I owed them money nevertheless the had been taken money out of my account by ACH every month. It's not my fault that they failed to uphold the negotiated arrangements. This has had an adverse impact on my credit I have called them and spoke to them about this matter several times but they have been very unprofessional and refused to look into fixing there own mistakes. It is very unfair because you can't actually log on to the XXXX XXXX  app. That would verify the amounts but there is a break down prior to the company closing and the bank that finances there credit cards.
Product: Debt collection

Credit Acceptance Corp has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

Calvalry portfolio services reporting incorrect information/ balances, account was settled by XXXX XXXX XXXX  and paid according to terms.
Product: Debt collection

I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section 609,623,809 i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent on XX/XX/XXXX to XXXX  disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3. XX/XX/XXXX XXXX, XXXX, XXXX dispute letter for XXXX, XXXX XXXX XXXX XXXX1 4. XX/XX/XXXX Debt validation letter sent to XXXX XXXX disputing amount owe XXXX 5.XX/XX/XXXX XXXX, XXXX , XXXX dispute letter to XXXX amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to XXXX 7. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX {$530.00} & XXXX XXXX # XXXX {$720.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditors ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Checking or savings account

I signed up for a basic checking account from citibank under the impression that I could avoid the $ XXXX monthly fee if I set up automatic bill pay. This seems to be accurate when I searched my fee history from XX/XX/XXXX-XX/XX/XXXX for the most part ; however, on XX/XX/18, XX/XX/18, and XX/XX/18, I was charged a monthly service fee of {$25.00}. On XX/XX/18, the {$25.00} fee deducted on XX/XX/18 was returned to my checking account. 

I was wondering why Im randomly being charged a $ XXXX monthly fee, as I never signed up ( and would never sign up ) for the the checking account that requires a combined balance of {$10000.00} across various citi accounts. Furthermore, since I have never even met this requirement while being a citi customer, wouldnt I see a $ XXXX  monthly service fee every month? 

I also have never been charged ( from what I can see on the website ) the $ XXXX   monthly service fee either, which I assumed was due to the fact that I made sure to set up automatic bill pay immediately after opening the account to meet the requirements for avoiding the fee for basic checking. 

When I chatted with a representative online, they were unable to provide any relevant information.
Product: Money transfer, virtual currency, or money service

I was contacted by a third party company promising to reduce my student loan debt or even erase it for a fee of {$1300.00}. Name of the company is Equitable Acceptance Corporation and the account was opened on X/XX/2017. They have not even contacted XXXX or provided any type of service that they have promised to provide. I would like to not have to pay this scam company any more money and get it taken off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/21. I have no mortgage credit score per XXXX XXXX. XXXX. Reports no score. Called over and over says its ok. But never is
Product: Debt collection

I had an XXXX  on XX/XX/XXXX. At the time, I had XXXX XXXX. The company failed to notify me in time to appeal to both of them to help cover the remaining balance of my bill because of an address change. At the moment I am in contact with one of them to see what happened. I am also in contact with my current insurance to see if they can be of assistance. Furthermore, when talking with someone from XXXX XXXX ( around XX/XX/XXXX ) they told me that they will send some information to help me fill out an application. I have yet to get that. I just got a letter from the debt collector and they told me I need to send a reply by XX/XX/XXXX. That letter was delayed because it was sent to the wrong address.
Product: Mortgage

I submitted a Monthly Payment to Mr. Cooper on XX/XX/2024 of {$2100.00}, of which {$730.00} was to principal and {$1400.00} was to interest. Loan balance after this payment was {$230000.00}. 

My loan has 7.365 % interest late. Last payment was XX/XX/2024. Therefore, this interest calculation was wrong, causing my outstanding balance being overstated, causing all of my subsequent payments to be wrong.
Product: Money transfer, virtual currency, or money service

Money transfer were initiated and supposedly cancelled by XXXX : 1. XX/XX/XXXX- {$1900.00} transferred on XXXX app initiated by me, but cancelled by XXXX   after funds were removed from my account. Notified by XXXX on text regarding a refund that will occur back to my account in ~5 days 2. XX/XX/XXXX- {$2000.00} transferred on XXXX  app initiated by me on XXXX  app , but received cancellation notice from XXXX  after the funds were removed from my account. Notified by XXXX on text regarding a refund that will occur back to my account within ~5 days. 
3. XX/XX/XXXX- {$1900.00} transferred by me on XXXX  app and received notification from XXXX  that the daily max is {$1000.00} and that I will receive a {$900.00} refund to my account. 
I never received any of the {$4800.00} to date. My bank chase has not been helpful in recovering funds.
Product: Credit reporting or other personal consumer reports

XXXX  account # XXXX I have asked that this account be re-investigated repeatedly. 

Equifax and XXXX failed to investigate this account properly after I repeatedly asked to have the account removed, your neglect has once again violated my consumer rights.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX. XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I joined a Gym for a few months then called to try to cancel my membership. The woman I spoke to convinced me to put my account on a freeze, instead of cancelling, but did not mention that you can only have you account on freeze for so many months. Fast forward a XXXX6 months, I start getting charged the monthly membership cost again. I called the gym and they said that they told me about the automatic unfreeze on the phone, which did not happen because I would otherwise not sign up for it. XXXX  then sent me to collections where I received numerous phone calls from XXXX XXXX XXXX based out of XXXX XXXX XXXX Utah. I'm not getting contacted by XXXX XXXX XXXX out of Utah which is a law firm with a debt collector agency as a part of it. I spoke with a man named XXXX XXXX there, who informed me they would only take full payment, not partial payment as a settlement, and that if I did not handle the outstanding balance immediately they " may '' report this to the credit agencies which would impact my credit score. 

This feels like malicious and misleading billing practices from XXXX XXXX XXXX ( Colorado location in XXXX XXXX ). I've since been repeatedly harassed by debt collectors for a balance that I feel I shouldn't owe. I'm also having a hard time finding the original agreement that I signed with XXXX XXXX XXXX and it seems that I can not access my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a text message stating XXXX XXXX XXXX had sent me a payment of XXXX through Zelle, XXXX XXXX owed me this debt and he said he wired it to me but did not say how. I order for me to access these funds ; I had to provide my birthdate, address, phone number, email, and checking account number. 

After I gave all of this information Zelle had no record of the payment and implied they couldnt do anything about it. The sender claims he made the payment, which he would have had to since Zelle had my phone number to text. 

The biggest issue is Zelles parent company is a credit reporting agency. I believe they are fishing for private information from consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is not mine SYNCHRONY BANK balance : {$570.00} Account Number : XXXX Please remove it from my credit report. 
this account does not belong to me and im not liable for this debt please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$3200.00}
Product: Checking or savings account

XXXX Bank accounts were requested to be opened with XXXX XXXX, Navy Federal Credit Union and XXXX. Three fraudulent accounts were successfully opened on XXXX. 

All three banks have been notified and have started investigations. My local police department has also been notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last payment received on XX/XX/2023 but they reported it as currently delinquent as on XX/XX/2023.
Product: Debt collection

C & F Mortgage Corporation and/or XXXX XXXX  XXXX XXXX XXXX XXXX, Virginia including all of its officers, employees, agents, assignees, and successors in interest of such loan and/or property deeded to and/or titled to XXXX and XXXX XXXX ( " XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX '' ) husband and wife as representation of one or more deeds and property of heirship and ownership have been subject to discriminatory conduct since approximately XX/XX/XXXX or thereafter under the names of XXXX and XXXX XXXX and prior under the ownership of XXXX XXXX family. ( 1 ) In the year of XX/XX/XXXX, the officer/employee that transferred XXXX XXXX XXXX XXXX property in the approximate year of XX/XX/XXXX-XX/XX/XXXX and thereafter on the " XXXX XXXX '' XXXX XXXX XXXX, XXXX XXXX, Virginia under the contracted name of XXXX XXXX XXXX and under the current name XXXX XXXX XXXX failed to notify or provide copies of this consent order, failed to properly identify appropriate parties ( heirs ) and/or failed to obtain proper signatures for a " release '' in this matter. The XXXX XXXX XXXX XXXX Descendant 's hereby certify by Champion Member, XXXX XXXX XXXX ( granddaughter ) that a release is DENIED. ( 2 ) There is no evidence of such training for the officer/employee referred to and/or identified in documents as obtaining consent or for committing such act. ( 3 ) The release is insufficient as it pertains to the history, legacy, and value of such estate ( s ) of XXXX XXXX XXXX XXXX as well as the heirship ( s ) of the XXXX XXXX XXXX XXXX XXXX 's. Therefore, the XXXX XXXX XXXX XXXX   Descendant 's hereby declare that C & F Mortgage Corporation and XXXX XXXX  XXXX XXXX  XXXX XXXX, Virginia as well as their past or present officers, employees, agents, partners, subsidiaries, representatives, assignees, and successors remain liable for ALL claims. and ( 4 ) The XXXX XXXX XXXX XXXX Descendant 's were not provided access to copies of the consent order entered by the Court in the United States vXXXX C & F Mortgage Corporation and hereby provide further notice that there will not be a release to C & F Mortgage Corporation for the estate ( s ) of XXXX XXXX XXXX XXXX, husband and wife and/or XXXX XXXX XXXX XXXX Descendants.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unlawful and unethical practices related to their smart home service. I am deeply concerned about the negative impact on my credit report due to XXXX XXXX XXXXXXXX XXXX actions, which have resulted in significant financial and reputational harm.

Unauthorized Credit Reporting : I subscribed to XXXX XXXX XXXX XXXX smart home service with the understanding that they would not report my payments to credit bureaus without my knowledge or consent. However, I discovered that XXXX XXXX XXXX had reported my payments without providing any prior notice, violating my rights as a consumer.

Delay in Cancellation and Late Payments : On multiple occasions, when attempting to cancel the service, XXXX XXXX XXXX deliberately delayed the cancellation process. This resulted in my credit report reflecting late payments of XXXX XXXX, and XXXX  days, severely damaging my credit score. Such actions were not only unethical but also in direct violation of consumer protection laws.

Credit Reporting Blackmail : To rectify the credit reporting issues caused by their own actions, XXXX XXXX XXXX demanded payment in full of the system. They explicitly stated that if I paid the outstanding amount, they would delete the account from my credit report. This amounts to credit reporting blackmail and is a clear violation of fair business practices.

Incomplete Deletion from Credit Report : While XXXX XXXX XXXX has claimed to delete the account from some credit reports, it still appears on my Transunion credit report. Despite numerous disputes, Transunion has failed to investigate and correct the inaccuracies.