23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX I was going to transfer money into my bank account XXXX BANK. When I opened the cashapp app on my mobile device it had me completely do a new login. I didnt think something was wrong until I put all my information in and it said zero0. I called cashapp and they required the screen name associated with my account. I didnt know it by heart so I reached out to my XXXX XXXX XXXX daughter. She sent me a screenshot and I called cashapp back with the app information. $ XXXX is the account in question. They told me at XXXX am on XXXX {$1400.00} was sent to XXXX last XXXX of card and the email associated is XXXX. It seems that time was the time I tried to open the app on my phone? I had XXXX direct deposits from my employer and I did not have a card to this account. Actually I ordered XXXX and it came on XXXX but I no longer had an account to activate it. Ive never took a deposit from this account. I have a XXXX XXXX XXXX daughter and the history from my account was sending her $ XXXX {$30.00} every few days. I also paid a few people for work, never more than {$100.00}. I have no clue about this card information nor do I have any clue about this outlook email? Please help me, XXXX a XXXX veteran and this money was for bills.
Product: Credit card or prepaid card

I started being frauded on XX/XX/XXXX XXXX for XXXX at Best Buy in XXXX New Mexico. I was not aware of being frauded until I received a notification from XXXX XXXX  of a balance increase on my best buy card. So, I contacted customer service and found out there was 2 other transactions purchased at the same store in XXXX New Mexico. I informed them I live in XXXX Arizona, and I did not make these purchase. They said they were going to start a fraud investigation and I would not be responsible for this purchase. I received a letter stating they were permanently shutting down my account and I owed XXXX and turned me into the credit bureaus for 30 days no payments. I have contacted Best Buy and Citibank to correct this issue and they say it have been taken care of and it has not. I have been marked on my credit report to a 30 day no pay and closed my account for being a victim of fraud. I am asking for help to resolve this outstanding balance that I am not responsible for and to fix the credit reports they have marked negatively.
Product: Debt collection

Disputed : XXXX/XXXX/XXXX CFPB : XXXX XXXX XXXX & Arete Financial Group LLC Account : XXXX In XX/XX/XXXX I contracted the services of Arete Financial Group, LLC a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for XXXX   reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is : XXXX XXXX XXXX with an original debt of {$790.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$600.00} to the creditor via the consolidation program and my balance now due is {$190.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last ( 6 ) months and have not been able to receive a response to any of my communication. 
On XX/XX/XXXX I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC and it has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer to the creditor on XX/XX/XXXX to pay off a remaining balance of {$760.00} was declined by the creditor of which I am grateful as my financial accounts highlights that balance as being incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed and I request that the amount owed be corrected to reflect the payment made of {$600.00} via the consolidation company and report the actual correct balance of {$190.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.
Product: Credit card

We purchased products at XXXX XXXX XXXX and were offered to apply for a credit card. We did so and were approved within minutes. As soon as we got home, we set up automatic payments on the website to be worry-free. Our first surprise came when our initial automatic payment was rejected, and Synchrony Bank charged us a late fee of {$30.00}. We called customer service, who were able to remove the fee and apologized, explaining that the website was being updated, which caused the rejected payment. They suggested we remove and reset the automatic payment. 

This occurred in XX/XX/year>, and I have attached a screenshot of our bank account showing we had sufficient funds to cover the {$100.00} payment. XXXX passed without any issues. However, on XX/XX/XXXX, they claimed again that my bank rejected the payment, which is untrue, and charged me another late fee of {$41.00}. This time, they said they couldn't remove it because they can only remove one late fee every 12 months. This is unfair as the issue was not due to insufficient funds but because their system malfunctioned. 

Synchrony Bank 's negligence with their system means customers like us have to bear the consequences. Please see all attached documents, including a letter from the bank and screenshots from our account proving there were always enough funds to cover the {$100.00} payment. I request a refund for the unjust late fee.
Product: Debt collection

Received a phone call from a XXXX XXXX demanding me to pay a US Bank account over drafted back XX/XX/2003. She threatened to have a sheriff come to my work and serve me papers, now they have called my head boss at admin and told her that they want to serve me papers. I have spoke with our local sheriff who advice me to get in contact with you about what is happening. The contact number they have told me to call are the following : XXXX. Their address is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. 

I want them to stop calling me ... this is very scary!
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 customer financial protection act ( CPFA ). Specially cash app failed to take timely and effective measures to prevent and addressed fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution was unfair and deceptive as they did nit comply with error resolution requirements under the 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

Commonwealth Financial Systems is trying to force me to pay a debt that is not real. They are attempting to collect this fictitious debt on behalf of XXXX XXXX XXXX XXXX, which is a business that I have NEVER been to. There are dozens of XXXX reviews for XXXX XXXX XXXX that are all from people who also have never ever been to XXXX XXXX XXXX, yet have received bills and calls from debt collectors regarding this made up services. Some of these unfortunate targets say that they have actually paid the requested amount, but they still continue to receive new bills.

The first communication that I received from Commonwealth Financial Systems was extremely suspicious and I believe it may have violated the FDCPA. The caller refused to identify themselves and would not tell me why they were calling or who they represented. The asked me to provide personal information before they would share any information with me regarding the call, which I refused as it clearly seemed like a scam. They asked for my social security number and date of birth. When I asked again what the call was about, the called said that it was " in regards to a business proposal '', which I now know was a complete lie and is in direct violation of the FDCPA. When I refused to give my personal information, the caller made it clear that they knew my current address, in a manner that I perceived as threatening and distressing. They then said that they would be sending me a letter, which later arrived. 

This letter included the amount of the fictitious debt and named XXXX XXXX XXXX XXXX as the debt holder. The letter indicated that if I did not dispute this claim within 30 days, that they would assume it was legit, which can not honestly be the appropriate way to approach debt collection. 

I called the number at the bottom of the letter with the correct extension and asked for the person named at the bottom of the letter. I was told that this person worked in a different department even though I dialed his extension. The person who answered the phone then said my name and that they knew it was me calling, despite me not identifying myself to them. They then immediately asked me for my date of birth and social security number again. I told them I was not comfortable giving out this information. They transferred me to someone who I was told was a manager, and the same process repeated. I asked why I should give out personal information to such a suspicious party and the manager only insisted that they were legit, " of course we're legit, we sent you a letter. '' was his only explanation. I refused to give my personal information to this shady company regarding a fake debt. This is a clear and obvious scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was contacting you to file a complaint on Amcol Systems debt collection agency. This issue with this derogatory account that they are constantly reporting my credit has not been resolved for at least 2 years. I've requested the information that I am entitled to have at least 5 times, and have yet to receive a response. I've been in touch with XXXX, XXXX, and XXXX and they keep on verifying the account as accurate without providing me with any type of feedback. This derogatory account does not belong to me. I do not even know where it came from. It's a debt for {$1000.00}.
Product: Credit reporting or other personal consumer reports

My report was pulled on these days without my knowledge or consent Transunion 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: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made attempts previously to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed. They have the option of paying me or delete these accounts as soon as possible.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies, my financial institute and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds were unfeasible. The CFPB 's finding indicate that Zelle has not not only neglected to protect consumers but has always allowed repeat offenders to exploit the system, leaving user vulnerable to scams. the lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I am compelled to write to you regarding an urgent and distressing matter involving my credit account with XXXXXXXX XXXX XXXX XXXXXXXX, which was discharged through XXXX XXXX bankruptcy XX/XX/year>. It has come to my attention that XXXX XXXX XXXX with XXXXXXXX XXXX XXXX XXXX located in XXXX, Ga has been engaging in unauthorized and fraudulent activities by updating this closed account included in my chapter XXXX as an open balance account on my credit report. These updates have occurred on a nearly monthly basis since the accounts legal closure, directly contravening federal laws and the terms of the bankruptcy discharge.Hes been financially bullying and Ive just realized the negative impact its had on my account Hes a big issue and a horrible banker in this community and I do not appreciate the crooked behavior of this banker.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to send me a copy of my report and they have failed to do so.
Product: Bank account or service

After closing my accounts with Chase Bank they sent me a credit balance refund check that Chase Bank would not cash because I did n't have an account with them. The XXXX XXXX branch located at XXXX XXXX XXXX, XXXX KY XXXX began this scam at the drive-thru window then I went inside and discussed it loudly with the bank manager who upheld the scam and refused to cash the check issued by Chase Bank. This is flat out fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous reports with you about inaccurate information on experian. Tonight I was denied a car loan because - at first my credit could not be accessed because it says I have a fraud alert!!! i have tried for over a year to remove the fraud alert and experian has responded to my complaints through your company saying I have no fraud alert. Yes I Do.  The dealer was able to pull my experian credit which gave them a score of XXXX and had multiple collection reports on there that were removed by creditors on other two reports but still on experian. I am so frustrated with experian and their inaccurate and not up to date information. Last year around this same time I lost out on purchase of a car because no one including me could get past fraud alert nor could we speak with a live person
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, Account number XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Checking or savings account

I had a duplicate payment for my credit card deducted from my checking account. The duplicate payment was unauthorized. I called my credit union to enter a complaint about this error and they told me to work with my credit card issuer and would not help me with recovering the duplicate payment.
Product: Mortgage

My wife and I bought our home in XX/XX/XXXX with an adjustable rate mortgage loan for {$220000.00} through XXXX. This loan was eventually sold to PHH Mortgage, and we are having a problem with this company. Due to unexpected hardship and an increase in the payment due to the interest rate adjusting I missed some mortgage payments. We began trying to work with PHH Mortgage to fix this issue and be considered for modification or other programs they had available. We received letters from PHH Mortgage telling us that they wanted to help and work with us. However, when we tried to follow up with them via phone we found the opposite to be true. We were transferred from one department to another. We were never assigned a single point of contact. We were given conflicting information, and led to believe that there was no help available, even though other representatives and letters from PHH led us to believe that there was help and that we qualified. Besides being confusing it was painful because we fell further and further behind on the loan because of the obstructionist tactics of PHH Mortgage. We are now in foreclosure and PHH is preparing to set an auction date of our home. I served my country proudly as a XXXX and paid on this loan for over 10 years. They have collected thousands of dollars in interest and principal payments from me, and now they are refusing to give me the chance to fix this problem and save my home. 

We had no issues paying on this loan for the first 10 years, and even after I retired from my position as an Industrial Designer we were able to afford the payment. We ran into trouble in XX/XX/XXXX when I began having some medical issues that required large co-pays. The issue was exacerbated when PHH Mortgage began servicing this loan and the interest rate adjusted and our payment went up almost {$300.00} a month. We hung on as long as we could, but eventually started missing mortgage payments. Not long after that we attempted to initiate communication with PHH Mortgage to be reviewed for a modification. My wife was and still is working full time, and I was receiving SSI, so we had income, but due to our hardship and adjusting rate our payment was no longer manageable. 

We believed PHH when they sent us letters stating that they intended to help, that there were programs available for people in our situation and eagerly anticipated working together to restructure and modify our loan. However, we were sadly mistaken. I feel the least they could do is give us the opportunity at resolving this matter. Instead we talk to a different person every time we call and we have never made any progress in getting a review for options conducted and face the real possibility of losing our home to foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, account XXXX XX/XX/XXXX I received a notification from XXXX that my account was reported 30 days late and charged off delinquent. I have never missed a payment my most recent payment was on its due date XX/XX/XXXX in the amount of {$30.00}. I have tried contacting the company numerous times and in result I've been told to contact the credit bureau or the reps would just end the call with no further information. 

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 1681 Section 1026.10 ( a ) does not require the creditor to post the payment to the consumer 's account on a particular date ; the creditor is only required to credit the payment as of the date of receipt. 

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 balance represents fraudulent transactions on a XXXX XXXX issued credit card for XXXX XXXX. XXXX was the predecessor to Midland Credit Management. The fraudulent balance, after XXXX XXXX shut its doors in XXXX or XXXX of 2020, was {$58.00}. To be clear, my actual charges to the card in question were paid in full when the company closed. In dealing with XXXX to try to resolve the fraudulent balance of {$58.00}, I was told, by the customer service department, " Ordinarily, we would be able to waive these charges, but, since XXXX XXXX is out of business, we can't. '' So, although, the transactions were fraudulent, they would not waive them because the company was bankrupt and out of business. It is still unclear how that equated to me needing to cover the expense. Every few months, I would dispute the charges with the credit bureaus, XXXX would lower the balance, then, the process would start all over again. Prior to the account being sold to Midland Credit Management, it had once again bloomed to {$370.00} which includes interest and late fee. I explained this long, drawn-out history, repeatedly, but Midland refuses to acknowledge it. In fact, in a demonstration of utter ignorance and a sheer lack of common sense or maybe with specific intent to be obtuse, Midland 's representatives ' solution was to send a copy of the bill showing the balance of {$370.00} as their version of proof that the charges are mine! I do not understand how these tactics are legal. How can I be forced to pay for documented, demonstrably fraudulent transactions? For a company that is no longer in business? On charges which, most likely were written off in the companys bankruptcy proceedings? How can Midland slither into this issue and ignore the prior history while demanding full payment?
Product: Debt collection

The amount they asking me to pay is incorrect much & the date is wrong, they called me asking me about the money when I refused she threaten me to share my personal info & she will issue a warrant for my arrest..
Product: Credit reporting or other personal consumer reports

I have 3 inquiries in my credit report under XXXX XXXX from XX/XX/XXXX, Informative Research miscellaneous from XX/XX/XXXX, XXXXXXXX XXXX XXXX  XXXX from XX/XX/XXXX. I do not recognize this inquiry because I am have just turned XXXX XXXX XXXX that time and does not know anything about credits. Please dispute/remove this in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a charge-off in XXXX and started to dispute it on XX/XX/XXXX to request it be deleted and I never got an answer from TransUnion. I have submitted disputes XXXX more times since, on XX/XX/XXXX and XX/XX/XXXX. Still, to this day, no response!
Product: Debt collection

I made a payment but it pulled from the wrong account somehow ( I have tried to remove this account several times to avoid this from happening, but I'm unable to do so in the portal ) so it was returned. I didn't know this because I never received a notification from the company, so I was unable to rectify the situation before my payment was considered late. Once it was considered late, I was charged with several late fees, and my payment due went from {$30.00} to {$290.00}. I have since paid {$50.00} towards the amount to at least remedy the actual amount that is overdue ( and then some ), but am unable to pay the remainder until I get paid tomorrow, as this multiplied payment was an unanticipated expense. 

Now, I have received 12 phone calls over the course of the last 5 calendar days, only 3 of which ( including today ) are business days. Based on their course of activity thus far, it is likely I will receive a minimum of two more calls this evening. I attempted to answer the most recent two calls ( the previous 10 were sent to voicemail due to my phone being on do not disturb ), but the first call hung up on me and the second call was a recording telling me to call them. Therefore, I was unable to speak with a real person to inform them that they no longer have permission to contact me via telephone. 

They have called me from several numbers, some of which come up as " COMENITY BANK '', others come up as " Unknown Caller. '' The call history is as follows : XXXX. Unknown Caller, XX/XX/XXXX @ XXXX. 
XXXX. XXXX, XX/XX/XXXX @ XXXX. 
XXXX. XXXX, XX/XX/XXXX @ XXXX. 
XXXX. XXXX, XX/XX/XXXX @ XXXX. 
XXXX. XXXX, XX/XX/XXXX @ XXXX. 
XXXX. Unknown Caller, XX/XX/XXXX @ XXXX. 
XXXX. Unknown XXXX @ XXXX. 
XXXX. Unknown XXXX @ XXXX. 
XXXX. XXXX, XX/XX/XXXX @ XXXX. 
XXXX. XXXX, XX/XX/XXXX @ XXXX. 
XXXX. XXXX, XX/XX/XXXX @ XXXX. 
XXXX. XXXX, XX/XX/XXXX @ XXXX.