23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

occasionsSwitched cell phone carriers from XXXX to XXXX on XX/XX/XXXX. The final XXXX bill was brought to XXXX and they mailed us XXXX pre-paid XXXX cards with the early termination and fees total. We sent everything to XXXX and paid the outstanding balance so that we had a zero balance. The following month we received another bill from XXXX stating we owed another month of service totaling approximately {$280.00}. 

We contacted XXXX and explained we have all the documentation proving we had paid everything in-full and no longer was with them, but they were adamant we owed the money for a difference of XXXX days between the billing cycle and when we actually left their service. 

We tried on several occasions to correct the problem, but it was to no avail. After a few months we found that XXXX had actually put us in collections and it was having a negative effect on our credit scores and history. We started receiving repeated phone calls from a collection company ( ERC ), but again they just wanted the money and did n't want to hear anything but how we were going to pay it off. We finally researched how to file a complaint against these companies for their actions are awaiting resolution.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XX/XX/2024 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Checking or savings account

XXXX Finance charge for overdraft charged by the bank {$.00} when there was no overdraft to charge for. 

XXXX XXXX, I called bank and was transferred twice until same agent who could not be understood well, came back on phone to say call another time. I was refused help by the bank and this has become the normal response for this bank. 

There has been no explanation of the fee. The bank should not be allowed to rob people of any amount of money.
Product: Credit reporting or other personal consumer reports

i am a victim of data breach and identity theft and would like all accounts mentiontioned to be block and deleted putsuant 15 us 1681c-2 ( a )
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I XXXX at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any re-investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

Dear Credit Corp Solutions, I formally dispute the alleged debt reported by your company related to original creditor, XXXX XXXX. I have no contractual relationship with either entity, making this claim fraudulent and a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and completeness of information contained in my credit report due to being a victim of a data breach. I am requesting the immediate deletion and blocking of the following fraudulent accounts, as they were not opened by me 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 Amount : {$630.00} Furthermore, I request the removal of the following unauthorized inquiry made on my credit report : SYNCB - Inquiry Date : XX/XX/XXXX
Product: Checking or savings account

In XX/XX/XXXX  I received a written offer from Capitol One to open a 360Checking account and make two deposits of {$250.00} or more each within 60 days and be entitled to receive a bonus of {$350.00}. I opened the account and made my first deposit of {$250.00} on XX/XX/XXXX  followed by another deposit on XX/XX/. In XX/XX/XXXX  I called to ask about the bonus when the bank representative told me everything is perfect but the bonus will be paid 60 days after the second deposit date. On XX/XX/, sixty days after the second deposit another representative told me again all is perfect and that I will be called on XX/XX/XXXX  about it. No one called so I called on XX/XX/XXXX  when the rep told me that I don't qualify for bonus because the deposit should have come from some other recurring sources which was not mentioned before during account opening process or during the calls I made to their help desk. 
Obviously this is a fraudulent act thru which the bank managed to collect money, increase capital, increase number of accounts and number of customers
Product: Mortgage

We were selling property in XXXX, NV in XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXXXXXX XXXX XXXX XXXX to have the tax payment stopped as the payment would be handled through closing. The loan closed on XX/XX/XXXX with the taxes paid through the title company. On XX/XX/XXXX I received a  letter from XXXXXXXX XXXX stating that the tax amount of {$280.00} was disbursed from the escrow account on XX/XX/XXXX and they could not stop the check. Receipt of this letter was after the loan had closed. This resulted in a duplicate payment of the taxes. I was assured that they would receive the funds back when the tax office refunded the money. On XX/XX/XXXXI contacted XXXXXXXX XXXX XXXX XXXX and they told me that had not received the refund and referred me to Corelogic Inc. as the  refund would go to them first as they make the bulk payments for XXXXXXXX XXXX. I called Corelogic Inc. and was told that they had not received the refund from the tax office. I called the tax office and was informed that the refund had not been sent and could take up to 6 weeks. 

OnXX/XX/XXXX, I followed up with XXXXXXXX XXXX and Corelogic and was informed that they had not yet received the refund. I went to the tax office that day and they told me that the refund was going out that day. 

On XX/XX/XXXX, I contacted XXXXXXXX XXXX again and again was referred to Corelogic. I spoke with XXXX who told me that the tax office sent the refund to the wrong company which made no sense to me because the tax office told me it would go back to Corelogic. Corelogic told me that the refund went to XXXXXXXX XXXX and they had contacted XXXXXXXX XXXX onXX/XX/XXXX to get them to send the money back but was uncertain how long it would take. I contacted the tax office for verification and the tax office told me that the refund was sent back to Corelogic Refund Department on XX/XX/XXXX. 

My opinion is that Corelogic sent the refund to the wrong Company and they are trying to cover their tracks. I has been over 4 months since this property closed and I am no closer to getting this refund than I was at closing. This is obviously the mistake of Corelogic Inc.
Product: Debt collection

I HAVE BEEN DEALING WITH THIS ACCOUNT FOR SOME TIME NOW THAT IS NOT MY ACCOUNT ASKING THESE COMPANYS TO REMOVE IT FROM MY CREDIT REPORT BUT THEY HAVE YET TO REMOVE IT
Product: Debt collection

Collection Center , Inc. has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is using my identity fraudulently. Transunion is reporting a fraudulent account on my credit report. A FTC report was filed and is enclosed. XXXX/DEPT OF ED XXXX needs to be removed not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have NOT given permission for XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b.

TransUnion must remove all information reporting from and relating to XXXX XXXX ( Original Creditor 10 XXXX XXXX ) including third party debt collection accounts associated with XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) : Account # : XXXX
Product: Mortgage

This is an issue with Sierra Pacific Mortgage Company. 
I was contacted by my county that my XXXX real estate taxes were not paid and now in collections. I contacted XXXX XXXX in XXXX to question this situation as they were responsible to pay them out of my escrow. I was told it could take up to 2 weeks for the investigation and I would be contacted. After the 2 weeks was up I contacted them again and at this point I was told they concluded they were at fault. They told me they were going to overnight the check and there was nothing I had to do. That proved to be completely false information. I contacted my county and collection agency to see if it was rectified which to my surprise it wasn't. I contacted them again and had to explain everything over again, once again told they were handling this ASAP. Well they didn't... I contacted them numerous times since, asked to speak directly to supervisors which once again required the entire story and they would " look into it ''. All asking me to submit paperwork again that I had already submitted. I asked them numerous times to give me something in writing stating they had sent payment out all of which was denied with explanations that was something do not do. I spoke to a supervisor named XXXX who promised me a return call which also did not happen. When I called back again and asked to speak to her I was told there was no way to talk to her but they would put me through to a supervisor .... This situation with me contacting them has happened close to a dozen times. On XX/XX/XXXX I was told once again they were going to overnight the check. Only to call XX/XX/XXXX and be told by a different employee they DO NOT overnight checks ever and best case would be handled by XX/XX/XXXX but if it was going to impact my closing I could contact a lawyer. I have been lied to over and over and over again. This is impacting my credit, impacting me refinancing which will put me right back in this circle of frustration with this untrustworthy, unreliable and fraudulent mortgage company. I had a closing to refinance this property set for XX/XX/XXXX which had to be delayed until today XX/XX/XXXX to give them time to fix this issue which ended up with me being required to pay their fees that were in collection .... Attached is a letter from them dated XX/XX/XXXX saying they would handle this. This has been ongoing since XXXX and as of today at my closing XX/XX/XXXX they still have not paid their fees incurred by their irresponsible actions. I have filed a complaint with the XXXX  which is currently open and communication has ceased on their part. Their only replies were stating that they would contact me ASAP which hasn't happened. They have all my information, they have all the required documents I have wasted hours upon hours talking to different people only to be given the complete run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX has been reporting false information which have n been validated on my consumer report under and is in violation of 15 usc 1681 ( 2 )
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 customer practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take a timely and effective measure to prevent and address fraud on their platfrom, leaving my account vulnerable and unprotected. Futhermore, 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 finniacial loss. I seek appropriate redress for these violations
Product: Credit card or prepaid card

I did a cash out refinance on my home in XXXX last year and the money I took out was used to pay off all my debts which included loans, credit cards and one car loan. I received separate check from the title company to pay each individual creditor. Everyone of my creditors except for CitiBank credited all my accounts. Citibank was giving me extensive issues with providing me the account number as it was for a XXXX card that was closed months previously and destroyed and signing into my account and statements only provided the last four numbers of the card. After going back and forth and them telling for security reasons they could not give me the account number over the phone, I asked them to send me a letter with the account number and they never did that also after they said they would. I then after having the check for weeks decided to put my social security number as they let insisting to do to indenting the account for processing. The check was cashed and my account was not credited and I called many times to find out why the account was not credited, even sent in the evidence of the cashed check after my the my deed holder XXXX XXXX XXXXXXXX reached out to the title company and sent me the evidence. They sent the information to their escalation department and then sent me a letter saying the check was cashed by XXXX XXXX and not them. I went to XXXX XXXX with the evidence and they are claiming the check was cashed by XXXX XXXX which is a part of CitiBank and they do not have any records of the funds. The title company is saying they cant help me either as the check was already cashed. To further matters Citibank is not only resolving the issue but has sent the account to collections who I had to contact and let them know this is a debt I paid off and sent them the evidence and they are now disputing the report with Citibank. Is there any way you can help me?
Product: Mortgage

You do not help people. You take complaints, but take no action. You accept Ditech 's response and close complaint. Ditech lied about the way things were handled, but you would do no further investigation. You accepted their response at face value. What kind of help do you actually give? 

Ditech Financial LLC should be investigated. There are many complaints against the. What good do you do if you don't look into Ditech? 

I can prove Ditech lied, but you won't look any further. 

I DON'T THINK YOU ARE DOING YOUR JOB.
Product: Bank account or service

I discovered two-three weeks ago that Associated Bank was assessing overdraft fees for debit card transactions on my business account. It was my understanding and experience that if funds were not available, I would receive an " insufficient funds '' notification at the time of the transaction rather than have Associated Bank treat the transaction as a chequing account overdraft. 

When I opened the accounts, I spent approximately one hour and one-half hour meeting with the banker. At no time was I informed that overdraft fees would be charged to my debit card transactions if funds were insufficient. After I discovered this issue, I contacted Associated Bank and was told that there was an " opt-out '' for such transactions. This option was never discussed with me at the time I opened the account as I would have opted out. 
After reaching out to the bank and asking for a resolution - i.e., the restoration of the overdraft fees for the last 30 days, I informed them that if we were unable to resolve it I would be moving my accounts. This morning I received notice from Associated Bank that it would refund me a small portion of the overdraft fees. However, Associated Bank canceled by debit cards and closed my bank account. When I went to the bank to determine why my cards had been canceled and the accounts closed, I was met by several bankers at the teller window who simply stated " Your accounts are closed. '' I did not ask to close my accounts and instead told a Associated Bank representative that I would be meeting with my accountant on Tuesday XX/XX/XXXX to discuss the accounts, ensure that I had retrieved my bank data, speak with an attorney, and move the accounts. 
Associated Bank was sued for the same practices in federal court in XX/XX/XXXX ( Civil File No. XXXX ( XXXX. Fla ). In XX/XX/XXXX, a settlement agreement was reached wherein the Associated Bank agreed that it had an affirmative duty to inform its customers of debit card charges and to provide them with the opportunity to opt-out. 
The same practices continue to be applied.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account on my credit report which I have NO knowledge of nor did I sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. This account has been furnished WITHOUT my permission or authorization. All is currently being fully investigated by the FTC.
Product: Debt collection

I have had to pay more money on higher interests due to this incorrect information Santander account on my credit XXXX and XXXX and now once again they pull my credit in XXXX without my permission from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}