23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Thank you for your time. 
I am XXXX XXXX XXXX an employee with XXXX XXXX  XXXX. 
Address : XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX I will try and keep my story short and sweet. 
I was placed on medical leave on XX/XX/XXXX. I had Short term and long term disability Insurance purchased through the XXXX/XXXX XXXX. 
XXXX, XXXX I was notified by the XXXX XXXX XXXX my XXXX was approved. 
I supplied all the information to XXXX XXXX, as well as {$28000.00} out of the XXXX Retirement accrual of {$34000.00} due to me. 

After sending XXXX {$28000.00} they then said I owe them {$57000.00} almost twice what was paid. I feel I thought I owed a little more, however I was advised by the XXXX XXXX XXXX to contact designated legal counsel. I was told there was a decision by the 5th circuit court of appeals to prevent either party from profiting over the XXXX Retirement Board back pay on XXXX, XXXX has not explained how they ended up at the figure they did. I started receiving phone calls from A collection company who left a phone number for a return call at XXXX on XX/XX/XXXX around XXXX XXXX. I received the letter from XXXX on XX/XX/XXXX dated XX/XX/XXXX, and a letter from Brown & Joseph LLC dated XX/XX/XXXX. I was placed into collections when I freely sent in {$28000.00} of which was not mentioned by either company in their desire to profit off what was not paid to me. If you can help please let me know what I need to do.
Product: Debt collection

Dear XXXX, I am writing to file a complaint against XXXX & XXXX XXXX XXXX XXXX debt that has been inaccurately reported and pursued for collection. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c, I believe that my rights have been violated, and I request your assistance in resolving this matter. I have recently been contacted by XXXX XXXX XXXX XXXX regarding an alleged debt in the amount of {$720.00}. However, after careful review of my financial records, I can confidently state that I do not owe any such debt to XXXX XXXX XXXX XXXX or any other entity. According to 15 U.S. Code 1692c, if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for communication regarding the debt to cease, the debt collector shall not communicate further with the consumer with respect to such debt. I have sent written notifications to XXXX XXXX XXXX XXXX disputing the validity of the debt and requesting that they cease all communication with me regarding this matter. Despite my written requests, XXXX XXXX XXXX XXXX has continued to contact me regarding the alleged debt, which has caused undue stress and anxiety. Furthermore, they have reported this debt to credit reporting agencies, negatively impacting my XXXX XXXX and financial standing. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX for their violations of the FDCPA. Additionally, I ask for your assistance in having the inaccurate debt removed from my credit report, as it is causing significant harm to my financial reputation. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to rectify this situation and uphold the rights of consumers under the Fair Debt Collection Practices Act.
Product: Credit card or prepaid card

I have been using Coinbase Debit Card for just under 1 year now. I recently went through all my transaction history and noticed I have 9 transaction dating back to XXXX of 2022 that are stuck in a pending state. Some of these transactions are for gas station fill ups or dining out. With these gas station transactions there is an initial hold put in place for a higher amount of money to ensure that the debit card has enough for the transaction. Shortly after this the correct amount is charged which includes crediting back the different between the hold and actual gas purchase. I understand this. Since these transactions are stuck in a pending state I am not being credited back the difference from the hold. This is also the case for dining out. I noticed I have one transaction stuck in pending and the tip has not been applied which would raise the debit a bit. The transactions I am referring to range from XXXX XXXX to XXXX XXXX. I have had too many communications with Coinbase to even count. Their support at this point useless. They give me the run around or disconnect me from phone calls/chats or ghost me on emails. They tell me this has been assigned to a specialist but i have sent repeated emails to their support email only to get a non-specific canned response. So I have resorted to reaching out to your office for some help and guidance.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. XXXX these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are currently trying to refinance our homes. Through the process, we realized that our credit scores are lower with XXXX  and TransUnion. A mortgage company notified us that one of the " key factor '' for our lower scores was that we had " Serious Delinquency ''. We obtained copies of our credit histories with both companies. Our credit histories indicate that all our accounts are 'Paid as Agreed '. We tried reaching out to XXXX  and TransUnion multiple times via phone and on-line. However, we were not able to reach anyone that could help us. We can submit disputes on-line but are limited on what we can dispute. 

Since we are not able to contact XXXX  and TransUnion to request that they look into the inaccurate reporting of our credit scores, we are unable to get better mortgage rates and lower fees to refinance. We need to be able to do this to lower our payments, stay current on all our obligations and send our child to college. Anything you can do to help us reach them and resolve this issue is greatly appreciated.
Product: Student loan

I was having my paycheck garnished for students loans. I contacted a company who told me they can stop the garnishment and lower my payments. The company is 77 Elite in XXXX XXXX Florida. I was asked to make an upfront payment before they can start. I did and it was a large amount they charged me. This occurred over a year ago. I am constantly being asked to fax paperwork then I get it from 77 Elite that it isnt clear for me to fax it again. When I call they give me the run around saying they are handling the situation but nothing. I keep sending the same paperwork over and over. I then get we need new paperwork because the documents they have are 30 days over but why didnt they send the paperwork to my student loan company its their fault. Im tired of sending documents over a year and no answers.
Product: Vehicle loan or lease

I had a loan with Toyota Financial Services XXXX for a XXXX XXXX XXXX XXXX this truck was involved in a total loss accident back in XX/XX/XXXX and my insurance XXXX and XXXX XXXX covered the total loss on XX/XX/XXXX. After the truck was covered for the loss i did have a remaining balance on the loan due to skipping XXXX payments during the XXXX XXXX that i got effected by it. I agreed to pay the remaining balance in a XXXX  month term agreement of the amount of {$330.00} from XX/XX/XXXX till XX/XX/XXXX. I also enrolled in autopay since XX/XX/XXXX and the first payment was taken out on XX/XX/XXXX XXXX payments were going threw fine till XX/XX/XXXX XXXX i noticed on bank account that the month of XX/XX/XXXX the payment failed i don't know why if i had money in my account. I also contacted XXXX to give me an explanation but all the told me was that it must of been a glitch due to the due date landing on a XXXX and that was it they told me to call my bank. I called my bank XXXX and asked them to check if XXXX tried taking the payment out and they told me No that to contact them because it didn't look like they tried pulling the payment at all. So i called back XXXX and after that they didn't really want to give me and explanation of why that happened it was like talking to wall all they told me was that they couldn't talk about it and they would just transfer me to their collection unit. I also wrote to them XXXX letters asking them to reopen my account because at that point they had already closed my account without my knowledge and gave me a charge off on my credit when i had been loyal to them on making payments on time. On the letters they send me back all they said was that the information that they had was correct and they were sending it over to the credit bureaus reporting it as if i didn't make my payments on time. At this point I'm really upset and frustrated that they unfairly and unjustifiably closed my account without prior contact via email, phone call or letter to make me aware they were going to close my account without reason. Due to their actions now i have a charge off on my credit score resulting my scored to dropped over XXXX points from being XXXX to XXXX the years XXXX worked so hard on my credit to have an outstanding XXXX XXXX by being responsible making payments on time. I hope to find a resolution to this issue because this is being a nightmare and has added unnecessary stress to my life since i was preparing to purchase a home by the end of this year. As of today the balance that is due to XXXX is from {$1800.00} to {$1600.00} after making a {$200.00} payment to the their collection unit XXXX XXXX XXXX XXXX.
Product: Debt collection

After carefully reviewing my latest credit report, I noticed the presence of several unauthorized accounts.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address an issue regarding late payments on my credit report. After reviewing my records, I discovered these late payments, which I believe to be inaccurate. Despite sending letters over 30 days ago, I have not received a response, nor have I been provided with adequate validation. I am seeking your assistance in resolving this matter as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX Have Violated My Rights. 


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 States A Consumer Reporting Agency Can Not Furnish A Account Without My Written Instructions.
Product: Money transfer, virtual currency, or money service

XXXX 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 for these violations
Product: Debt collection

When researching the collection agency, Credit Collection Services, who put incorrect information on my credit report, I discovered that this company is not authorized to do business in the state of Texas. I live in Texas and was under the impression that a collection company has to have a valid license to do business in this state. Please contact Credit Collection Services and instruct them remove this debt from my credit reports. 

RE : Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Thank you. 

XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX and most recent data breach. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously and immediately!!!
Product: Vehicle loan or lease

I was having a lot of problems with the car so I told them to come pick up there vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a section 609 dispute letter to Transunion on XX/XX/2023 on five accounts, " XXXX XXXX '', " XXXX XXXX XXXX  ", " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It's been way over 30 days and the matter has not gotten resolved. The credit company is not complying with their own policies in a timely manner. I've attached a copy of the letter that was mailed out to Transunion.
Product: Debt collection

On XX/XX/2019, I recieved an automated phone call, which was then answered by a representative of XXXX XXXX XXXX. I've been recieving and responding to these phone calls for the past month or so. Explaining to XXXX that I intend to resolve the debt. The representative I spoke with today at approximately XXXX XXXX, mountain time, seems more concerned with why the debt defaulted in the first place. I explained the debt was at least 2-3 years old, and was ready to reach an agreement with them. He continued to insist that I explain why the debt became delinquent. Which, in the case of such an old debt, is immaterial. I made every effort to communicate my intentions of resolving the debt, to no avail. I also asked the representative for his callback number, in case I needed to reach him again, he did not refuse to provide it, however he did not give it to me. Thank you
Product: Credit card or prepaid card

I have had a Best Buy credit card for years. I made a promotional purchase that, due to unforeseen issues, I was not able to pay in full within the timeframe. So when it expired, all accrued interest was added to the account, making to balance go over the credit limit. Instead of doing like most credit cards, blocking the card until balance goes below the limit over a period of time while accruing interest, they make the full overage amount plus principle due on the next payment. My payment went from {$150.00} a month to {$1200.00}. There is no where in the disclosure that says that will happen and is Unfair, Deceptive, and Abusive practice. Furthermore, it completely goes against the Fair Lending laws, in which no cost of debt is provided. I entered a settlement with Citibank to pay the card off in XX/XX/2020. However, COVID19 hit, my wife lost her job and I lost half of my income. I ask to extend the payoff, and the manager says that due to fair lending, they can not. Fair lending has NOTHING to do with a nationally declared pandemic. There is no reason they can not extend the terms of the settlement. I need to feed my family. There is absolutely no reason that Citibank can not postpone the settlement payment at least a month or two. That does not, in any way, violate any fair lending laws. In fact, quite the opposite. Instead they want to be greedy. They could never, to this date produce an accurate statement, regardless of how many times I asked. This bank needs to be looked at for IDAAP violations and CARES Act violations. The deceptive trade practices are, proven in court, illegal and it is time they are held accountable.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and notice that credit cards were being taken out in my name and I had no knowledge about the credit being given. Capital One Bank has Issued to credit cards in my name back on XX/XX/XXXX account last four numbers XXXX with a credit limit of XXXX dollars and a balance of XXXX dollars, the account was closed on XX/XX/XXXX and the last payment was made XXXX. I nerve applied for a card from this company and would like it removed from my credit report. 
This credit card account last 4 numbers are XXXX issued by the same company listed about on XX/XX/XXXX with a credit limit of XXXX dollars, with a balance of XXXX dollars. The last payment date was XX/XX/XXXX, and a closed date of XX/XX/XXXX. I would like the credit issue removed from my credit report. I was never issued credit by this company in XXXX. 
This next credit card was issued by XXXX with the last four number of the card being XXXX. Issued on XX/XX/XXXX, with a credit limit of XXXX dollars, and a balance of XXXX dollars, last account activity on XX/XX/XXXX and a close date of XX/XX/XXXX. I never applied for this card, and would like this matter removed from my credit report.
Product: Debt collection

My bank is Bank of America. I set it up when I was XXXX XXXX XXXX having my mother as a co-owner because I was XXXX. My older brother also had a bank account with bank of America with my mother as the co-signer My brother got scammed and money was removed from his account making it XXXX overdraft, he had to settle and agreement and was removed from bank of America as a customer but had to make monthly payments. 

Unfortunately this XXXX he didn't have enough in his bank account and their decision without my knowledge was to remove all money from my account in its entirety leaving it XXXX because i had incoming bills set. Their reasoning for this was because my brother owed money and they told me they're allowed to seize money from associated accounts ( even though theirs no direct link to my brother its because my mother is the common denominator ). I've received no notice, no one to explain this for me. 

I work so hard for my money and I don't understand how they can just take my money for my brother 's debt
Product: Checking or savings account

I opened an account to fund, last week. they claimed they called left a voice mail and set me a letter. never got a voicemail or a letter for the verification. i have now decided to open a different checking account with a complete different bank. i asked them to allow me into MY OWN ACCOUNT to get MY money to transfer it to close this account with them today. they have since claimed they cant transfer MY MONEY. and now wont let me make a user id to get into the account to do the transfer myself. they wont let me in my account with my own money and refusing to give me the bank office to call me verify my identity give me my money and close my account with citi immediately.
Product: Checking or savings account

I have tried almost everyday for 2 weeks trying to get the last statement of my checking and savings account for a mortgage refinance and every time I try to view the statements online, there is an error message. I have messaged the bank several times and everything time I get a response, I get a generic response saying it's fixed when i still get the error message.
Product: Student loan

I have worked in public service since XX/XX/XXXX. I have not changed jobs. It has ALWAYS been my goal to utilize the Public Service Loan Forgiveness Program. Beginning in XX/XX/XXXX, with the exception of a 2 year deferment while obtaining my XXXX XXXX XXXX, I have paid every single student loan payment on time and in full via direct debit. If you're doing the math, I should have been eligible for forgiveness late last year at the end of XXXX. However, my account was still in complete chaos, as it had been for almost a whole year, after being involuntarily switched to XXXX for servicing. I had no idea what my standing was within the PSLF program and my repayment options were suddenly changed for the worse. Only now, the fall of XXXX am I able to view my " progress '' towards PSLF on their website. To my horror, I have XXXX " ineligible payments '' towards PSLF. That is over XXXX years worth of payments that are, in my eyes, WASTED. My previous servicer, XXXX, never made it clear that my repayment options were not eligible for PSLF. And now that I am married, PSLF is centered around income-driven repayment options, thereby significantly increasing my payment. My husband has never contributed to my student loan debt and it is horribly unfair to be given a repayment option that is literally 37 % of MY income.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit someone use my credit under my name
Product: Debt collection

Midwest Recovery Systems XXXX XXXX XXXX XXXX submitted a collection account XXXX for {$690.00} to my credit files with XXXX, XXXX, and XXXX on account that does not belong to me. I contacted the Florida Attorney General and explained the issue and was informed that this a time-barred debt in accordance to Florida statute and that I should receive notification of the validity of the debt from the debt collector. I have not received any notice and it appears that the debt collector is using tactics which violates my rights under the Fair Debt Collection Act. Please assist me in this issue.