23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I placed an order to terminate service on XX/XX/XXXX. We sold our house and our closing date was XX/XX/19. Unfortunately, the cable company equipment was packed by the movers, but I called the cable company to let them know that I would return the equipment as soon as our goods were delivered to the new house. This was done on XX/XX/XXXX. I boxed everything up and they received it all on XX/XX/XXXX. The XXXX tracking number of the shipping label the company sent me was xxxx xxxx xxxx. 

The monthly bill was usually due on the XX/XX/XXXX of each month and was typically {$200.00}. I would see being responsible for the difference covering the XX/XX/XXXX through the XX/XX/XXXX, but no more. A couple of days ago I received a collection letter for {$300.00} from XXXX for supposed equipment charges. This is incorrect and should be made right by the company immediately. I have made 10-15 attempts to speak with someone at the company without success. I even spoke with the collections agency, who has no historical background on the debt, and they gave me another number to call. No luck either. 

Important Dates : XX/XX/XXXX - new statement for {$200.00} XX/XX/XXXX - new statement for {$740.00}, which included a new charge of {$530.00} for equipment. In the same statement they show a credit of ( - {$190.00} ) for partial monthly activity. 
XX/XX/XXXX - new ( and last statement ) for {$300.00}, which shows a credit of ( - {$440.00} ) as equipment credit. 

As you can see the math does not add up. Also, they never called my cell phone, which the account was under and I still have of course. Lastly, I have all the statements and receipts referenced above. 

Any assistance is more than welcome. 

Thank you so very much!
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 violates consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud in 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 Electric Fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss I seek appropriate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping for a new electric service provider online and was quoted {$200.00} deposit to start service with XXXX XXXX XXXX, I decided to go with another company and never paid the deposit for XXXX XXXX XXXX and never intended to do business with XXXX XXXX XXXX. 
I started receiving collection calls and told the representatives that I never agreed to proceed with the service. 
I recently applied for a mortgage and was told VIRTUOSO SOURCING GR had reported a collection of {$28.00} on my credit report and the original creditor is XXXX XXXX. 
I filed a complaint with the XXXX and received a response from XXXX XXXX stating that I enrolled in service on XX/XX/XXXX and services began the following day on the XX/XX/XXXX.

I have a receipt for payment on the XX/XX/XXXX to XXXX XXXX XXXX. 

I feel this is very deceptive to appear as XXXX XXXX XXXX but actually be XXXX XXXX, and require a deposit to start service and then start service without the deposit and without my knowledge. 

Now my credit report is being affected by this unfair and unethical business practice. 

I have explained this to the company directly, and provided the receipt for payment to the company I chose to do business with on the same day that I was told I enrolled with XXXX XXXX. 

All I want is this removed from my credit report.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes to help remove all inaccurate information only credit report with experian. looking at the data submitted it is invalid an is hindering my file. please review all data an delete the required information. this has hindered my file an caused lot of errors. please help clean my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that there was a discrepancy in my account, and they wanted me to send proof ( my drivers license ) of who i was even though they would not inform me as to what the discrepancy was, ( each time i have to ask to speak with someone who speaks English ) then they hang up. i have yet to find what the problem is even though i have scanned and sent my ohio drivers license.
Product: Mortgage

I purchased my mortgage loan through XXXX XXXX XXXXXXXX. So they sold it to M & T Bank and another company called XXXX. So thats XXXX different companies passing my personal information around at the time me not knowing whats going on. They say they sent letters I didnt received or sign to return. They had my phone number they never called. They didnt have the correct email address so yes I called to correct that. So yes at the time I was confused getting information from XXXX different places and i was wondering why because I had a bank account with XXXX XXXX XXXX and my payment was on auto pay at the time. This is impacting my credit score and im trying to move on with my life and get funding for my business so can I please get this off my credit! I see its a law that banks can pass your information on but i dont think thats fair especially being that I pay a lawyer to read over the paperwork when I first purchase my house. Now to hear that someone can get my information, home and my loan giving to them is terrible and hard to digest this! As you can see after this or even before this issue I never had a problem I truly hope I get this resolved. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Thanks Im advanced.
Product: Credit reporting or other personal consumer reports

Ive had issues with paying my XXXX XXXX in the past using their app and web portal. It frequently crashes as it moves between the app and a website for payments and then freezes. Additionally, the XXXX XXXX statements were going to my spam inbox ( XXXX  ) and I did not realize that. I thought I had made payments monthly when Im paid on the 1st, but one apparently didnt go through most likely due to issues with their website. I also never received any sort of overdue payment notice until it had crossed 30 days. I discovered this when logging in to pay the nexts months balance and promptly made the payment. I have a long credit history ( 20 years ) including the XXXX card and have never missed a payment. This single late payment, which I made a good faith effort to pay and was never made aware it was overdue, is negatively impacting my credit. Ive requested that XXXX stop reporting this payment as late over 30 days, but received a generic response that the information is correct which is not accurate based on the information provided above. It is true that the payment did not process, but that was not my fault. There is absolutely no reason I wouldnt pay a {$30.00} bill by the due date as indicated by my credit history in general and to XXXX. XXXX has refused to do anything is not representing what actually happened to the credit agencies and the agencies are taking XXXX  word for things without proper investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute to Experian requesting a reinvestigation AND Method of Verification about the following account Fair Collection & Outsourcing dated ( Account Number XXXX ; Opened XX/XX/XXXX ; Balance {$960.00} ). Experian just sent me automated reply without providing proof of " Method of Verification ''. I have requested Experian method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).
Product: Bank account or service

I entered into the bank on an afternoon leaving town. I did multiple legitimate transactions and left the bank. I received a call the next day when I was traveling that the teller claimed to have given me XXXX too much. Not true and I left with what I though he owed me in an envelop. When the week came I not iced that not only had the teller cashed a check through my account without warning but that they took XXXX out of my savings robbing me of XXXX dollars. I am now XXXX negative that I ca n't afford to pay and my credit and account at risk. This is such a violation of bank laws and tactics Wells Fargo Should be ashamed.
Product: Credit reporting

I had id theft in XX/XX/XXXX and XX/XX/XXXX involving XXXX and XXXX. Once I received bills in XX/XX/XXXX or so, I called companies sent letters notified experian credit who are useless and less than useless. Toliet paper has more value. 

XXXX removed the item promptly. XXXX however did not. I sent police reports, letters etc. then XXXX sold the account to someone called XXXX XXXX XXXX, who sold it again to XXXX, XXXX, XXXX, XXXX and XXXX, lawyers. 

I filed a complaint with the XXXX of Minnesota. XXXX XXXX sent me a letter dated XXXX/XXXX/XXXX stating ceasing collections and will request removal this item from all credit bureaus. So I disputed items with experian and sent them copy letter. 

Today I was on phone with experian over an hour. I asked for a description of the investigative process used to determine if valid debt. I was told, by the fraud dept!!! That they contact the creditor who if states yes, is yours, it stays on your credit report!!!!! That is not what the Fair Credit Reporting Act says.
Product: Mortgage

I have been working on a HAFA short sale with Loan Care for over 90days and I was never able to get through to one of the processors on the file. Every time I called I was told that there was another document that was needed but no one ever called me to request that document. Immediately after I found out what was being requested I submitted it right away. 
Recently on Monday XX/XX/XXXX the property got foreclosed on and the lender refused to try and stop the sale date.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance win tne Fair Crealt Reporting act. The List or accounts below nas violated my rederally protected consumer rignts to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 : It also states a consumer reporting agency can not furnish a 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: Debt collection

This collection is being to the bureaus that I do not have knowledge or aware of. This is clearly fraudulent. Listed below are the details of this collection account. 

XXXX XXXX XXXX XXXX XXXX # : XXXX Opened : XX/XX/2020 Balance : {$1400.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Broke The Law!
Product: Credit card or prepaid card

I was solicited to use a Home Depot credit card- issued through CitiBank . One I hold but very rarely use since selling home. 
I bought a {$45.00} drill in XXXX after getting " important notice '' that I needed to use card to maintain account. Due to oversight and bombardment with junk mail, I may have inadvertently thrown statement in trash, or it wasn't received. 

When I did get next statement, I called to inquire about late fee showing.I told them I would pay the bill that day which I did, driving directly to Home  Depot  to do so. They agreed to remove the fee, but said I needed to call again, as a second late fee was charged, and they could only remove one on that day, but would be no problem to remove the 2nd. 

When I got next statement and saw no fee at all was removed, I attempted to call again. I got disconnected after being on hold for some time. I called back 2-3 days later and was connected to an adult chat line. 

Then I got notices from my credit monitoring services. I called again. Was told by a representative and her supervisor that they would not and could not do anything unless I made a payment. I refused, They have since decimated my credit, reporting as 60-90 days late. I called again today and was again told they could remove just one late fee but I had to pay two others. I refused
Product: Money transfer, virtual currency, or money service

Zelle has defrauded me out of money, there was a ton of fraud and I have not recieved my money back or answers.
Product: Credit card

I did not agree to {$3700.00} deferred interest it was advertised as XXXX mo 0 % interest and 29.99 % monthly after the promotional period. This is false advertising and predatory lending.
Product: Credit reporting

Disputed this collection on XXXX and it was Verified Accurate in XXXX-3 business days on XXXX. 
1. This account was removed before as it is not my account. 
2. I have no knowledge of this account. 
3. I followed up with my XXXX XXXX XXXX who advised I am not in collections and do not have a current balance. 
This debt is frivolous and should be removed immediately. How can an item be disputed and verified in 2 business days? What is the process for verification? What information has the collection agency provided that this collection is valid and in my name? How was I able to have XXXX service if this collection is stating have an over due collection balance of XXXX. XXXX? 
Please remove this debt.
Product: Payday loan, title loan, or personal loan

I lost my job in XXXX and started working again in XXXX, my pay was cut by 3/4 but I took what I could get. XXXX called me over and over and I explained all this to him and told him Id pay when I can. Last Friday I told him I was meeting with an attorney to file bankruptcy and provided him with the attorneys information. XXXX began to call me again yesturday 3 times and today twice within 5 minutes of each other. I have the voicemails saved including the times they called.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 a 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

A few days ago I called nelnet to find out why they haven't approved my annual recertification. They refused to answer my question directly and tried to steer me into sending in the wrong forms to push my recertification past the due date to illegally charge me more fees. They did once before and charged me {$4000.00} to my account which drives up my debt exponentially. I request nelnet and the people I have spoken with on both occasions to be charged with financial fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, XXXX, FOCUS FINANCIAL SERVICES , has violated my rights. 
1

5 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. 
This account reported twice on XXXX, and based on my knowledge I don't owe this debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with fair credit reporting act XXXX accounts # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX has 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 : its also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

Ally finance XXXX XXXX XX/XX/2024 I seen my credit was ran, this was not my consent. And under the fair credit act I would like these removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a 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: Mortgage

I received a letter from Suntrust, now Truist Mortgage. My original loan was with XXXX XXXX XXXX do not have an escrow account. I pay my own taxes and insurance every year on my own. SunTrust/Truist sent me a letter in XXXX, 2022 stating that they would be force placing insurance on my account in the amount of {$860.00}. I contacted Truist mutliple times in order to email my declaration page as proof of insurance. The email provided to me by the customer service representatives was incorrect, therefore they did not receive my declaration page. On XX/XX/2022, I contacted Truist again and stayed on the line until they verified they received my email. On XX/XX/2022, I received confirmation that they removed the {$860.00} from the force placed escrow account and acknowledged that I did not owe the money. On XX/XX/2022, Truist took not only my mortgage payment, but the {$860.00} in force placed insurance. This is the second time I have had a mortgage service company attempt to force place insurance on me. This is a major theft on the mortgage consumer. The companies force place these inflated insurance premiums, take our money, and create financial stress on the consumer. I have had to spend a significant amount of time in order to rectify this situation that was created by the mortgage servicing company. In the meantime, they have been sitting on my money, stealing the float and making millions of dollars off of this practice. This strips the consumer of valueable time and interest on our own money. This happens year after year. We are talking about 100 's of millions in stolen money and float that belongs to the consumer and mortgagor. It is theft plain and simple. There is multiple trillions in mortgage debt. The practice of force placed inflated insurance creates chaos for the consumer. There needs to be a deep and complete audit of this criminal practice. In addition to receiving my {$860.00} back, I want treble damages to compensate me for my time, lack of use of my money and all the chaos it has caused. Even when the mortgage company acknowledges the mistake, they take weeks to refund the money. Slick process for them, highway robbery for the consumer.
Product: Mortgage

My file was submitted to underwriting with XXXX paystub when I submitted XXXX to the loan originator. Processing took a week off to move offices and not work my file. Underwriter found service cable to house needing to be replaced and now no one will ask for a rush revised appraisal after its been know the seller doesnt want to get out on the closing date
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment that resulted to this account getting a charged-off. This is paid already. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Checking or savings account

On XX/XX/year> I finally realized that I was being charged for an insufficient funds fee for an account that was supposed to be a savings account but somehow was converted into an additional checking account. I closed the account and requested to know how this account came to be. They claimed it had always been this. I insisted that that was not correct. I asked if I could be refunded and have my complaint moved up to XXXX. I was told I could get the refund for the month and I could close the account. This of course was after I requested it to be closed. I never heard from XXXX or ever received a call from Wells Fargo