23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1. XX/XX/XXXX. Began employment at the facility in XXXX, TX. Signed relocation package valued at {$12000.00}, ( exhibit 1 ).

2. XX/XX/XXXX. Relocated to the facility in XXXX, TX. Signed relocation package valued at {$12000.00}, ( exhibit 2 ). 
2a. As noted in both relocation packages, the relocation to XXXX nullified the original relocation commitment. 
3. During the summer of XXXX, I was temporally travelling back to and forth the XXXX, TX facility to work on equipment. During these times, I would still report to my assigned location of XXXX, TX to get a company truck and drive to XXXX. During that time, I would also return to XXXX on the weekend, and at the end of the hitch. There was no change in my reporting structure, as this was a temporary assignment. 
4. In XXXX of XXXX, I was told I was being dedicated to XXXX. From that point forward, I began reporting directly to the XXXX, TX, facility as opposed to the XXXX facility I had been assigned to. My job function had substantially changed, as I was no longer covering fleets in the field as I had been hired for, and my reporting structure had changed to include a manager from the XXXX XXXX XXXX department from XXXX, TX. Also, I was no longer required to follow the same policies and procedures of the XXXX facility when it came to submitting reports and documentation. This dedication was a de facto relocation without compensation for all intents and purposes. 
4a. Based on the notes in the two relocation packages referenced above, being relocated nullifies any previous relocation commitment. 
5. XX/XX/XXXX. I submitted my 2 week notice of resignation to XXXX. On XX/XX/XXXX, I drove from XXXX to XXXX for out processing. 
6. On my final owed check, XXXX XXXX XXXX retained the amount of {$1700.00} as money owed due to the initial relocation package to XXXX. Since this agreement was nullified by the subsequent relocation, this was money that was not legally retained by my employer ; however I was willing to not pursue this issue. 
7. In the first part of XXXX, I received a letter from XXXX stating I still owed them relocation reimbursement. 
7a. In the agreements, ( exhibits 1 and 2 ) it states, that i ) the company shall recover funds from the employees final paycheck. Since, however, my final pay was issued for {$66.00}. A reasonable person would believe that any claimed liability had been satisfied. And ii ) it is also stated that any outstanding balance would be paid back within 30 days of separation. Yet it took the company almost 6 weeks to initially contact me. 
8. On XX/XX/XXXX, I contacted XXXX and requested they send me the documents supporting their claim. They forwarded an incomplete package, including only the signature page of the contract, not the contract in its entirety. That same day, I requested the complete contract and, to this date, have not received the entire document. 
9. XXXX has since sent this matter to a collection agency, Cedar Financial, for resolution. I have requested the completed documentation package from them as well and have been unable to obtain it.
Product: Credit reporting or other personal consumer reports

I paid off my santander auto loan an the account is still reporting a balance
Product: Credit reporting or other personal consumer reports

I am filing a report against Experian for the failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating account is accurate, without providing any evidence of a inorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked as inaccurate : XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX
Product: Debt collection

On XXXX XXXX a collection agency put a ding on my credit report stating that I owed {$250.00} to XXXX XXXX for service at XXXX XXXX XXXX, XXXX, CA XXXX with an account number of XXXX. When I call the automated line for XXXX they do not recognize this accunt number. 

I have never lived in XXXX California and am in no way affiliated with this debt. Someone stole my social security number years ago and I have had repeated instances with stolen identity to the point that I file taxes with a unique pin code yearly Interestingly, when I called the collection agency, they stated my name was not on the bill, however my social security number was and that my current name and address were verified by them and was not the name of the original bill.
Product: Debt collection

I am writing to express my extreme frustration and anger regarding the negative payment status on my credit report for an account that is being incorrectly reported as a late payment account with a balance due. I have reached out to XXXX XXXX XXXX XXXX regarding the validity of the debt, but they failed to provide any proof of the alleged late payment. Therefore, I demand that you provide proof that this account was 30 days late and update the balance to { {$0.00} } or delete the negative payment status on this account immediately. The account in question is : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/2019 Balance : {$190.00}. Despite my repeated attempts to resolve this issue with both IXXXX XXXX XXXX XXXX and your bureau, I have faced nothing but obstacles and delays. It is unacceptable that this negative payment status is still on my report, and I demand that it be removed immediately. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ).
Product: Credit reporting or other personal consumer reports

I requested the original reports with my signature from XXXX XXXX XXXX XXXX which is a 3rd party company for XXXX XXXX. 

I asked for all old addresses be removed. 
Onsite reported to XXXX XXXX XXXX and Need to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX CLAIMED I OWED WAYFAIR. I CALLED WAYFAIR 3 TIMES AND THEY SAY I HAVE NO DEBT WITH THEM. 
NOW XXXX XXXX  HAVE PUT IT ON MY CREDIT REPORT? 
I HAVE ALWAYS HAD OVER XXXX XXXX XXXX NOW IT SHOWS AS OUTSTANDING DEBT? THEY CLAIM IT IS FROM XXXX  YEARS AGO THIS DEBT? WAYFAIR CLAIMS IT'S FALSE. IN FACT I HAD A CREDIT ON MY CARD WITH WAYFAIR! 
THE XXXX MENS NAME IS XXXX XXXX AND XXXX XXXX. I HAVE SPENT HOURS TALKING IN CIRCLES WITH THEM AND THEY NEVER PROVIDE PROOF OF THIS DEBT. 
I WAS NOT ABOUT TO PAY XXXX WHEN WAYFAIR SAYS I HAVE NO DEBT. I HAVE NEVER HAD A LATE PAYMENT IN MY LIFE AND I AM XXXX. 
THEY ARE XXXX AND I DID NOT WANT TO SHARE MY ACCOUNTS TO PAY THIS FAKE DEBT AND THEY XXXX ME! 
I COULD EASILY PAY IT BUT THERE ARE SO MANY SCAM ARTISTS TODAY. 
THE LAST TIME THEY CONTACTED ME WAS XX/XX/XXXX. 
THEY HAD CONTACTED VIA EMAIL A PERSON NAMED XXXX? THEY WERE TO GIVE ME PROOF OF THE DEBIT. NEVER HEARD ANYTHING OR GOT ANY PROOF AND THEN THEY ATTACKED MY CREDIT THROUGH THE CREDIT BUREAU? THIS IS CRAZY! PLEASE HELP! 
MY FORMER NAME WAS XXXX XXXX I REMARRIED XXXX  YEARS AGO! 

HERE ARE XXXX EMAILS XXXX AND XXXX REPORTED XX/XX/XXXX STATUS DATE XX/XX/XXXX XXXX BALACE CONTACT PHONE XXXX CREDITOR ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Vehicle loan or lease

My car was totaled on XX/XX/year> by my XXXX Still to this date I am not sure where my car was even totaled or what happened. 

I did my part and was active with reporting any new documentation, news, or anything related to the accident and with the temporary attorney that my ex had hired. 

I was not provided ANY information from this company other than the other parties insurance companies phone for me to get in-touch. I was not able to get in-touch with anyone. 

As I have done the entire time since my car was totaled I was following up with the company. After them first marking it as a repossession, I was confused but they worked with the tow truck yard more than they did me. My car was sold without my knowledge and I now owe them over {$8000.00}. In the previous month my account was actually in a settlement deal of about {$2000.00}. Before the settlement amount I was almost done paying for my car. With the lack of communication or what I was supposed to handle as this is my first totaled vehicle that was financed. I was unsure and no matter how many times I reached out to them they failed to mention this amount which is now showing horrible on my credit as well as the repo. that has been reportedly been fixed but still reflects on some credit reports. 

Documents attached are my last bill to them and the current charges.
Product: Checking or savings account

I had a checking account with Wells Fargo since XXXX. They closed my account due to lack of activities ( most likely in XXXX ), which I did not know then. I contacted Wells Fargo because I still had around {$1500.00} in my checking account left, and was told that they sent the remaining balance to Georgia Department of Revenue as unclaimed property. 

However, the unclaimed property could not be located by Georgia Department of Revenue in the system, with my name and Social Security number. I contacted Wells Fargo again, they said they are unable to provide information about when and how much they have sent as proof of such an action, all they know is that they should have sent it to Georgia Department of Revenue. 

To summarize, Wells Fargo claims that the remaining balance was sent as unclaimed property, but Georgia Department of Revenue has no record whatsoever, and Wells Fargo can not provide any proof or information about the action they took.
Product: Money transfer, virtual currency, or money service

On numerous occasions since XX/XX/2019, I as well as several other mutual customers have attempted to do a wire transfer and ACH transfer to XXXX XXXX  in XXXX XXXX, NV at routing # XXXX and Bank of America continues to deny that it is not a valid routing number and will not make the transfer causing huge conveniences to myself, other customers and XXXX XXXX  staff. XXXX XXXX  if a federal insured domestic financial institution and XXXX is a valid, funds receiving XXXX with the federal reserve. BofA refuses to update their database or acknowledge when provided details that this routing number is accurate. BofA customers are unable to transfer THEIR money to XXXX XXXX  because of this issue and have to find other means to transfer the money at much higher costs. I have spoken to representatives at BofA and asked for this to be escalated to the technology department and they refuse and just tell me " The system doesn't recognize it. There is nothing I can do '' which is ridiculous. All Bank of America needs to do is have their technology team update their database to recognize XXXX XXXX  and routing number XXXX and this will solve many headaches.
Product: Debt collection

I received a letter form XXXX XXXX XXXX XXXX saying they are trying to collect a debt that's claiming I owe to LVNV Funding. I in fact do not owe them anything. I do not owe XXXX XXXX XXXX XXXX either. I told them to cease and desist for this reason. The letter is not dated and says to write back by XX/XX/year> to dispute the debt.
Product: Debt collection

I was paying XXXX XXXX XXXX a monthly payment of {$50.00} and sent to their address on XXXX XXXX. in XXXX the payment was returned. I tried to submit payment again in XXXX, and XXXX with the same result. I also called the business on XX/XX/XXXX and XX/XX/XXXX, but was unable to leave a message. 

Fast forward to XX/XX/XXXX when I received a 5 day notice to pay a past due amount of {$350.00}. I had never received any written, verbal, or electronic notice from them, despite the fact that I was told they had sent notice of their new address in XXXX and XXXX. 

I couldn't send a payment if I didn't know where to send it. I should not be held responsible for past due, or in the very least, be given some leeway on the past due amount, since I never received any written notice on their change of address, though they insist that they sent it. This is not the first time this has happened with this company, as I had initially found out they had taken over my debt by receiving a wage garnishment notice.
Product: Checking or savings account

I am filing a complaint with a CFPB regarding capital ones failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer ACT ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Student loan

I want any and all information on this loan since it started, it has been transferred multiple times and nobody seems to be able to provide all documents from the actual terms and agreements I signed when I was fooled into even getting a student loan at the age of XXXX. The school itself no longer exists so I can not get the paperwork from them either. I need everything I've ever signed in regards to this loan, and everything I did not sign otherwise I can not be sure the information AES has is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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 XX/XX/XXXX
Product: Debt collection

XXXX sent an account that I was to be removed from years ago to collections for equipment that was returned years ago. My email address was still tied to the account. While XXXX accepted the actual account holders documentation that I was no longer responsible for the account and per csr sent Eastern account services a notice to pull the derogatory information. They have refused to do so and have resubmitted since they were told the information was incorrect per my conversations with XXXX. They have added an address to my credit report where the infraction occurred. I have never lived there. I was never contacted before this was sent to collections by XXXX who I hold a current account with that has never been late ( autodraft ) or Eastern Account systems inc. who has an obligation to do so. They were contacting the account holder and sending me to collections. My rights as a consumer were and continue to be violated by Eastern account systems. From looking on line they have roughly one complaint a day sent in to the cfpb.
Product: Credit card or prepaid card

XXXX XXXX charged a late fee to my account for XXXX of this year because my payment came late. I called and asked if I could have the fee removed. The person I spoke with said they noted it and that the fee will be removed and reflected in the XXXX bill. The paper bill I received had showed a minimum amount that reflected the fee still there as well as my XXXX payment having not been received. I knew this was incorrect, and their website doesn't pull up on my computer and I've been trying to register for an online account since I opened the account over two years ago at this point. So I called customer service to get the actual minimum for the XXXX bill. I was quoted a number that clearly reflected the late fee from XXXX I was told would be removed. The person on the phone insulted my intelligence by saying the person you spoke with earlier misspoke and said they remove the fee from my total balance after I pay it. How is it a fee removal if the fee is " removed '' after I give you money for the fee. I don't appreciate being lied to nor condescended. I then called back and asked about the dispute process and was pointed to their web page that customers are expected to print out, fill out, and then send snail mail to some address in South Carolina. This is from a company that on their online portals and every paper bill encourages us to go paperless with their " XXXX '' website that has not allowed me to register for it since I've opened this account. This leads me to believe the dispute process is a formality, farce, and nothing they actually take seriously. I want to dispute the fee and I want it removed from my due balance immediately like I was told it would have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian Business Cred ( inquiry XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted an online dispute through Transunion regarding late payments being reported for two of my XXXX XXXX Credit Card accounts. I received and email today from Transunion stating that my dispute was complete and both these accounts were deleted from my credit report. I spoke to Transunion regarding the error and they acknowledged the dispute was for late payments and said that the reason why it was deleted was because the Creditor failed to respond. which is not true because I have a letter from XXXX XXXX stating that they will be reporting to all the CRA 's to  remove the history of late payments.
Product: Money transfer, virtual currency, or money service

lam 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 proces 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 reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that XXXX  credit cards are reflecting after being paid and removed. The credit card has been placed back on my credit and is now reflecting XXXX years XXXX months which exceeds the statute of limitation for reporting. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy ( XXXX XXXX : ) I demand this account be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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.

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

In  XXXX    XXXX  , a {$200.00} charge was made on my account, however, a return of {$110.00} on the same  day (     XXXX   XXXX   XXXX   ). No statement or account information was sent to us for the remaining balance of {$93.00}.  The first time we were informed of the account having a past due amount was with a collection notice we received in the mail on or around    XXXX   XXXX   XXXX  . At that time, I logged on, not knowing that there were any charges on this account an d paid the {$93.00}. We also sent in an email to Target that we had not been receiving any statements, and that we would like them to reverse th e three excessive lat e fees that totaled {$100.00}, on the account. They reversed the interest charges but sent another collection notice via  US m ail on    XXXX   XXXX   XXXX  , wh ich we only received on    XXXX   XXXX   XXXX  .  I spent ov er 2 hours on the phone with different departments to close this account and asked to   speak to someone about resolving the {$100.00} in charges on the account. They told me that unless I paid the amount of {$48.00}, they would continue to fine me for not paying their fines and interest on the fines. I believe that {$100.00} on a {$93.00} balance is excessive whe n Target made no attempt to contact us to let us know about this balance. They have our phone numbers and could have easily had this resolved in 30 days ( as we have a history of paying our account in full ). Despite all of my attempts, I am being forced to continue to incur late fees and their interest indefinitely for non-payment of late fees, which I think is just unconscionable. They do their own collections, so while I would like to resolve this matter, they are not interested in settling it and I do n't want to continue to p ay fees when my account has been paid in full.