23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023 around XXXX XXXX  received a knock on the door from an assumed process server. The man handed me a fax copy letter with my service address and another address of an unknown party. I contacted XXXX & XXXX and was unaware of the process server. The debt collector information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had a personal loan with those XXXX  XXXX over at Wells Fargo. Final payment was XX/XX/21 with a balance of XXXX. For the past 4 years I had auto-payments set up. Which did not go through for the last payment. 

They also have the payment due of XXXX, which has been the payment for the past several years. 

Why they didn't take the auto-pay like every other time. And why are they having the payment as XXXX dollars more than the balance? 

Probably because they are XXXX XXXX XXXXXXXX. 

Thanks for doing your job at the CFPB. Stick it to them for me!
Product: Credit reporting, credit repair services, 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name XXXX XXXX   XXXX XXXX  Account XXXX  XXXX XXXX XXXX XXXX  XXXX, Account name XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. NONE OF THIS IS SHOWING ON XXXX AND I TOLD THEM I WAS A PART OF THE CONSUMER FINANCIAL PROTECTION BUREAU DATA BREACH AS WELL! 

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. 

VIOLATION OF VERIFICATION and VALIDATION OF THE DEBT NO PROOF HAS BEEN SENT TO ME. NO ACTUAL CONTRACT WITH MY WET INK SIGNATURE ANYWHERE! NO PROOF THEY NEED TO REMOVE PER SCTION 611 THEY CLAIM THEY CERTIFY UNDER OATH BUT CANT VERIFY WITH PROOF PER THE LAW! 

The following INACURATE AND INCOMPLETE Items need to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case I sent complaints and letters ON to Experian and XXXX Show more Account name XXXX XXXX Account number XXXX .... 
Recent balance {$12000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$12000.00} written off. {$12000.00} past due as of XXXX XXXX 
Show more Account name XXXX  XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$40000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$41000.00} written off. {$40000.00} past due as of XX/XX/XXXXXXXX XXXX 
Show more Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$11000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. {$770.00} past due as of XX/XX/XXXXXXXX 
Show more Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$8100.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. 
Show more Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$36000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. {$1200.00} past due as of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$2600.00} ; XXXX CARD XXXX Balance : {$490.00} ; XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX CARD XXXX Balance : {$5300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, XXXX contacted Equifax to perform a credit check on me. This was an unauthorized check and was fraudulent. My identity was stolen to open a new XXXX account. I reported this issue to BOTH XXXX and Equifax. Neither company did anything to stop the new account to be opened in my name. I then received a collection notice for the fraudulent account. XXXX finally submitted a notice to Equifax informing them that the credit check was fraudulent and should be removed from my account. To date Equifax has failed/refused to remove the XX/XX/2018 credit check. Equifax has failed to do anything to rectify this issue with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # 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
Product: Debt collection

This account was deleted to XXXX  due to the fact the company inaccurately report my account, Im requesting the company to delete in all platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I disputed an incorrect mispayment error on my credit report submitted by XXXX XXXX because they were angry that I closed a credit card account. I disputed the action with Transunion and they lowered my credit score. Now again in XXXX, I disputed a different error and once again, Transunion downgraded my credit score from that same XXXX missed payment error. How come they are allowed to continue to lower my score after already punishing me for it a number of years prior? All the other credit reporting agencies have fixed the error with the XXXXXXXX XXXX miss payment reporting except Transunion and every time they review it or I bring it to their attention, Transunion continues to lower my credit score even more. I almost lost a job because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federal student loans through XXXX XXXX were being serviced through XXXX in XX/XX/XXXX through XX/XX/XXXX. I went from being an employed XXXX XXXX XXXX with children to unemployed/not enrolled in school due to an XXXX XXXX diagnosis in Spring of XX/XX/XXXX. I made my institution of higher education aware of my situation, as I was on a scholarship. I was immediately placed in deferment until I was able to return to class. I was never contacted by XXXX that they owned my loans or how to begin payments. I received a letter that they were going to garnish my income tax refund for tax year XX/XX/XXXX in XX/XX/XXXX. I filed an extension for my tax return until I was able to sort out the discrepancy. I contacted XXXX and informed them of my circumstances, as well as explained that I had not received any communication from them about my account at all. I was told I would be immediately placed on deferment by their representative and she requested proof of my income/welfare eligibility. I faxed in everything that was requested. I later discovered that XXXX placed me in a temporary forbearance instead of deferment and my loan amount ( {$4500.00} and {$2200.00} ) gained interest ( {$810.00} ) and was sold to a new creditor. The new creditor contacted me upon gaining ownership of my loans and consolidated my loans into one loan and I owe {$7500.00}. I have 28 late payments reporting on my credit reports in the 24 months they serviced my loans. While my 2 XXXX accounts show as being closed, my student loan is reporting on 3 different accounts- 2 negative accounts being XXXX. XXXX has unfairly and incorrectly reported my history to all 3 credit bureaus for years. Reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit and jeopardizes my credit worthiness. I have the right to fair credit reporting and want them to report accurately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tal timely and effective measures to prevent ano 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 or prepaid card

Date of Fraudulent Activity : XX/XX/2019 Amount : {$6600.00} Locations : 1 - XXXX XXXX  XXXX XXXX XXXX Promo Purchase - XXXX, GA 2 - XXXX XXXX  XXXX XXXX XXXX Promo Purchase - XXXX, GA Actions Taken : 1.  Called the company informed them of the fraud. 
2. Created a report to FTC for Identity Theft 3. Submitted a request to the 3 Credit Bureaus alerting them of the fraudulent activity 4. Filed a police report 5. Reached out to a Lawyer for legal council 6. Sent XXXX a Notice for Furnishings ( no response ) - XX/XX/2019 6. Called XXXX to request the account number for the fraudulent account because the police say it's required to submit a subpoena for information used to create the account. 
However, XXXX would not provide me with this information so they can not subpoena for the information and I can not file lawsuit against the person that is using my identity to open fraudulent accounts. 
I'm stuck in a catch 22. XXXX will not give me the account number. The police can not subpoena information without it ( they have tried and it gets sent back stating the account number is needed ). 
-- -Special Note : XXXX did close the fraudulent account and reach out to the credit bureaus to have it removed from my report. However, I still have the inquiries on my credit. They stated it may take some time. -- -
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using a lost ID and attempting to apply for credit/loans showing up as hard inquiries on my credit report
Product: Mortgage

XXXX XXXX XXXX transferred the servicing of my loan. I was XXXX payments into a FHA XXXX payment trial. I have continued to pay my monthly mortgage payment to my new servicer. Carrington Home loans. My previous foreclosure with XXXX XXXX XXXX was supposed to be dismissed once I accepted the Modification. Last week I had to attend a hearing with my private attorney and the XXXX XXXX XXXX attorney. The Judge wants to advance the foreclosure. I am afraid of losing my home during the modification. Carrington mortgage needs to dismiss the foreclosure and get my loan modification completed. Pursuant to the CFPB bulletin XXXX Your agency was concerned about loans being transferred during the modification process and this is exactly what has happened to me. Please help me get this resolved so that I can keep my home. Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Global Lending Services LLC is reporting late payments to my credit report. My XX/XX/2023 payment was deferred. My XXXX payment was made. They have reported that both payments were late and that is incorrect.
Product: Credit card or prepaid card

I believe I opened a secure credit card on XXXX or XXXX of 2014. When I was misled and pushed by the bank officer, after assuring and promising that I will have absolutely right to get unsecured credit card within 6 months time under Wells Fargo business policy. However, I have learned in a hard way that it was not true. Even though, I have never late or miss my payment for a single day since the opening of this account, and also the APR is close to 25 %, I have not gotten yet to this day what I was promising more than 6 years ago. This simply makes me mad as XXXX, because what the bank promising was simply untrue, even I have a credit score between very good and excellent. This is very depressing, because they don't really care, for something that I can not explain and understand. This is unacceptable, unfair and unethical. The opportunity cost of 6 years is beyond incalculable financially and emotionally. Of course, I got a negative yield by any measure. Today, this is particularly true for me, after wating for 6 years. 

Over the entire 6 years period, I spoke with different customer services regarding this issue more than 40 to 50 times, but I have only gotten a lip service saying " you are not graduating yet, wait a little bit, we will let you know when the time is right ''. I was constantly pleading with them to stop this trend of misleading not to continue forever, but anyone they are doing it. 

Not only this but also they opened awhile ago a new account without my consent, when I found out, they apologize over the phone, and I moved on. Despite of all the bad things, I have continued my business. Now, almost my faith is collapsed. 

Now, I realized that Wells Fargo system becomes a grave concern to me. That is why I am desperately seeking your assistance. 

Sincerely, XXXX
Product: Debt collection

my wife and I had a cell phone with XXXX XXXX in 2004, or prior ; the only statement I have kept is from XXXX, 2004. XXXX was bought out by XXXX, which has since been bought out by XXXX. I was charged an early termination fee, despite my explanation that we had fulfilled our contract. Obviously, I refused to pay it, and I 've had to dispute it with XXXX, repeatedly, as well as at least 1/2 dozen subsequent collection companies. 
I called XXXX today, and explained this and will forward add'l documentation to them. I understand the the current owner is Pinnacle Credit Services , LLC ; So I will name them in this complaint. The documentation that I attach will illustrate how wrongfully we have been harassed about this obligation for more than 10 years.
Product: Credit reporting or other personal consumer reports

XXXX filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts : XXXX account with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
XXXX XXXX  credit card with account # XXXX opened on XX/XX/year> and a balance of {$300.00}. 
XXXX XXXXXXXX account with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$560.00}. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$280.00}. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/year> and a balance of {$16000.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$1700.00}.
Product: Credit card

I am filing complaint against Fiserv, XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX In XXXX of XXXX, I signed a no annual fee contract with the company for merchant service. In XXXX of XXXX, I found an annual fee security bundle of {$290.00} charged against my account. I called the company on XX/XX/XXXX, a sales named XXXX called me back. He said on the XXXX Statement, there was such a wording : " The security Bundle Fee of {$290.00} will be charged to your account on or after XX/XX/XXXX, and will appear on your XXXX XXXX month-end statement. Continuing your merchant account with us or using your account after 30-days following the date of this notice will confirm your acceptance to these terms. ". I told him I never agreed to this term, and want to close my account and get money back. XXXX promised me to send me a written message, stating if I continue to use the account, I will get the refund within 60 days. As of today, XX/XX/XXXX, I never got his email, and called him again, he said even I want to close my account, there is no refund for the annual fee.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX  accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX {$250.00} date opend : XX/XX/XXXX XXXX XXXX BALANCED {$500.00} DATED OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} DATE OPEN : XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am demanding the deletion of the account XXXX XXXX XXXX XXXXXXXX. Not only is the collection agency reporting this account illegally by not verifying the account, per FCRA and FDCPA regulations, the alleged balance is less than {$500.00} and should not be on my consumer report. Congress passed the No Surprises Act to help protect Americans from certain unexpected XXXX  bills, including surprise XXXX  bills for XXXX  services from out-of-network providers. XXXX XXXX under {$500.00} are to be removed per the change that went into effect XXXX XXXX. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA and FDCPA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.
Product: Credit reporting or other personal consumer reports

I greatly value the relationship I have with the following creditors and have consistently made on-time payments for such a long time. This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX {$12000.00} - XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX {$35000.00} - XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5900.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} - XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$26000.00} - XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX. I used Paypal Pay in 4 to purchase 2 items on XXXX ( XXXX XXXX ) on one order totaling {$460.00} XXXX. Items in the order was fulfilled by different sellers Item XXXX Delivered as expected ( {$41.00} ) Item XXXX Wasnt sent to my address ( XXXX XXXX XXXXXXXX - {$420.00} ). More detail on this below XXXX. Filed a dispute with Paypal, escalated it 4 total times, provided a clearer explanation that the seller is being deceitful and that they should ask for and check proof, and apply common sense. Paypal denied the claim. 
XXXX. I escalated again, Paypal agent on the phone called XXXX, confirmed with them that the package is not addressed to me, agreed that this is an obvious scam and he has seen it happen before. 
XXXX. Paypal backoffice team closed the case in XXXX 's favor citing that the package was delivered, without checking WHERE it was delivered! 
XXXX. I Re-escalated the case with paypal, agent on the phone once again agreed that this is a very obvious scam. 
XXXX. The entire world knows that XXXX only provides the full proof of delivery with address to the Shipper with their account number, not to the customer if the package was not shipped t them. 
XXXX. Yet, Paypal keep asking me to provide proof from XXXX that the pacakge was not sent to me. 
XXXX. Ofcourse the seller hasn't provided the document because they never sent the package to my address. 
XXXX. Even more obvious- the tracking number was created XXXX minutes I placed my order! Its in the XXXX tracking! Paypal refuses to acknowledge a VERY OBVIOUS scam! 
XXXX. Paypal has neglected process, common sense, the law, policies by asking the customer to provide proof that they know the customer can not provide. 

THE DOCUMENT PROVIDED BY THE SELLER, AND ACCEPTED BY PAYPAL ONLY SHOWS THAT THE PACKAGE WAS DELIVERED SOMEWHERE, NOT TO ME. 

THAT DOCUMENT DOESN'T SHOW THAT IT WAS DELIVERED TO ME. 

THE SELLER IS THE ONLY ONE WHO CAN AND SHOULD PROVIDE AN AUTHENTIC DOCUMENT WITH THEIR ACCOUNT NUMBER THAT SHOWS THAT PACKAGE WAS SENT TO ME IN THE FIRST PLACE!!!! 

ITS COMMON SENSE!!!