23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have no outstanding debts and have received no written notification that anyone thinks I owe them money. This company has been calling me repeatedly every day using different numbers and never leaves a message so I do n't know who they 're trying to reach or why. Here is a list of the calls to date ( it is now XXXX XXXX on XXXX XXXX ) : XX/XX/XXXX XXXX XXXX Service XXXX XXXX XXXX XXXX Service XXXX XXXX  XX/XX/XXXX XXXX XXXX Service XXXX XXXX XXXX XXXX Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Service XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I brought 2 Google cards and neither one is working.. Needs further information from me but it's a gift card
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to Equifax to remove incorrect information from my credit report. I have yet to receive a response and I believe that my name, address be corrected on my report. As a result, I have a XXXX XXXX XXXX line on my report and it does not belong to me. I request that this be removed. Equifax has had ample amount of time to fix this problem and I request that Consumer Protection Bureau investigate this matter.
Product: Debt collection

Hello, I was contacted last week by a woman named Ms. XXXX claiming to be with Capital One and XXXX XXXX XXXX XXXX. She stated I was added to a Capital One account which had my sisters name and my moms name on it. She stated my social security number, drivers license number, address, and birthdate. She then told me my income is XXXX and it is being garnished due to nonpayment of the open and delinquent Capital One card that was established in 2011. I have never owned or used a Capital One Card. This woman had all my information and took {$200.00} from my bank to pay Capital one in order to avoid a garnishment on my only income. 
On another note, My sister came to my house during XXXX and stole all my mail when I was in Colorado. My sister does have a Capital One account ... The woman who called me is supposed to call me last week just called me back again to threaten my income garnishment because I disputed the transaction with my bank. Her name is Ms. XXXX. Her number is XXXX XXXX XXXX XXXX extension XXXX. 
She also called me from XXXX XXXX XXXX XXXX. Please help me. My bank has frozen my account so she doesnt try anything else I have called XXXX and experian to block my social security number and credit. I also downloaded XXXX and it flagged her number as Spam after we had spoken.
Product: Credit reporting or other personal consumer reports

CFPB COMPLAINT FOR REMOVER EVERYTHING INFORMATION Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against XXXX, XXXX, TransUnion, regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX 2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX 3. Incorrect Contact Information : The phone number is XXXX, please be updated as my primary contact number.

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill
Product: Mortgage

XX/XX/2018, approved for a home equity cash out loan with Quicken loan ( Rocket mortgage ) Our property consist of 15 lots which was purchased in 3 separate parcels. The loan officer was informed that we only wanted to use the parcel that included the home for the cash out collateral. We were informed that we need to separate the parcels into separate accounts in order for this to be done. The parcels were separated into 2 different accounts at the county appraisal district. Property id # XXXX was for requested property ( address XXXX XXXX XXXX lots XXXX ) copy of account detail is attached. Property id XXXX is for the remain lots ( XXXX ) with address of just XXXX XXXX ( copy of account detail is attached. The appraisal ( copy attached ) was done only on property id XXXX and did not include property id XXXX. Quicken loan has attached a lien on both parcels ad will not release the lots not included in the appraised value. The parcel ( # XXXX ) appraised is what our loan was based on and not the other combined parcel which also has a lien. This greatly affected our LTV & rate I have requested that they make all the disclosures available on our dashboard for further review ; as they changed the disclosures more than once or twice. I combined the accounts back together in XXXX of this year. If Quicken loan 's policy was not to split the parcels, why did they not have the appraisal done on the both parcels. They ordered the appraisal
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These were not authorized by me, I am a victim of identity theft. Per FCRA 6058, this information should be deleted from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I requested proof that the information was verified. XXXX XXXX XXXX XXXX XXXX I do not recognize this account. Please REMOVE from my report. Please send back an updated copy of my credit report to the address listed on my credit file. Thank you for your time and attention.
Product: Money transfer, virtual currency, or money service

They took money out of my account and never got it back
Product: Checking or savings account

over 4 years ago I had a dispute with td bank about charges that should not been allowed to hit my account. the issue could not be resolved the overdraft remained and was reported to check systems. I have been trying recently to resolve the balance but have encountered the following problems. 1. To reach someone in the collections and recovery department the wait is sometimes upwards of 2 hours. that is every time you call even if you speak to someone need to get information and call back you could be on hold that long. ( no one has that time -- especially not during business hours ) 2. I finally spoke to a gentle man who told me the balance was no longer 250 ( approx. ) but 600+. I asked why and was told because of fees associated with collections. I work in XXXX XXXX XXXX  and you don't pay unless they collect something. No one did so what are the over 400 in  fees???? 3. I was told to go into a branch an get a print out which I did to see a detail and explanation of the charges -- the 400+ is not there and the statement has no detail but raised another?. the last transaction is from XXXX for approx. 250. but the statement says it was presented twice and then returned -- so what is the balance? when I was told it was that charge. I was also told by the rep in the location that what they are requesting is not available through the branch office I need answers that I have not been able to obtain
Product: Credit reporting or other personal consumer reports

Please, on several occasions I have contacted the XXXX & equifax agencies because I have some questions that I never authorize the companies to obtain my credit report, and they say they can not help me, these are the questions I am referring to, 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 card

Around XXXX I got a credit card from capitol one with a {$400.00} limit. I used the card to its limit and later we could not pay the payments any longer. the bill ran up to {$1200.00} in their fees i count not pay that so after 6 years they contacted me in XXXX to make a deal of paying half the bill and they would forgive the rest. I agreed and paid {$620.00} to get rid of the debt but they did not forgive the rest they reported the other half of the debt and it started over on my credit for another 7 years. They have been reporting on my credit for over 10 years now for a credit card! yes the debt was my responsibility i was young and going through tough times. I think its wrong of them to call and make a verbal agreement with me to try and resolve a debt then do the opposite of what they agreed on.
Product: Debt collection

In XXXX I moved from my home in XXXX ( that my husband owned, my name was not on the deed ) to a rental home in XXXX. At that time, we used security monitoring with XXXX. We were told that if we ever moved to a location they did not service or to a location where we were not authorized to get security monitoring, that by sending a letter of cancellation, we would be removed from the contract and service. We were also told that if the new homeowner took over service, that is another qualifying reason that we would be out of the contract. 

All of those things happened. I informed XXXX by phone and letter that we were cancelling and moving out of state to a rental home. None of which qualified us to transfer service. The new homeowner also took over the service, and put it in their name. 

In XXXX, I tried to buy a house and was denied credit due to a collections for {$1300.00} from a company called XXXX. They apparently took over XXXX. I explained the situation to them and they were supposed to remove the collection from my credit report. 

In XXXX, I looked at my credit again and found a collection for the same amount with a company called Zion Debt Holdings. I disputed this claim a few days ago and then began receiving aggressive text messages from Zion Debt Holdings regarding the collection. I asked them to send me the contract and their response was that I was the one who had to disprove the debt, not them to prove it. 

I explained to them that I did not owe this and that it should be removed immediately. 

I do not have a copy of the letter I sent to XXXX in XXXX of XXXX as I do not keep paper work more than two years old. I know that I cancelled them via letter, and phone call.
Product: Checking or savings account

First box 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 take timely and effective measures to prevent and 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent Equifax a letter with social security card and proof of address enclosed, allowing them the opportunity to remove inaccurate personal information and only report my correct address, name, social security number, date of birth and even my employer. I did not wish to have any telephone number listed on my report. I did not receive a response, so on XX/XX/XXXX, I sent another letter asking for the same thing since they have refused to report my correct information for months. I enclosed my drivers license and social security card as a final goodwill gesture to allow them to only report my correct personal information and remove all other inaccurate information. I received a letter which is attached from Equifax on XXXX XXXX refusing to remove all inaccurate information unless I send in Category 1 and  Category 2 documents for verification ( these are both documents I already sent, my drivers license and my social security card ). At this point I feel Equifax is operating in bad faith, refusing to remove inaccurate information. They are saying my documents must include the mailing address of XXXX, Ohio even though I live in XXXX, Ohio ( All my dispute mailings and IDs have always said XXXX, OH ). On XX/XX/2020 they mailed a letter to my correct address in XXXX, Ohio ( attached ), While the letter on XX/XX/XXXX ( after my personal information dispute ), where they refuse to remove incorrect information, they mailed the letter to XXXX, OH XXXX and not XXXX as they did on XX/XX/XXXX. I feel they are acting in bad faith and I have proof attached.
Product: Credit reporting or other personal consumer reports

I am writing regarding my account with your company, Account Number : XXXX which has been marked as charged off. I am not disputing the account or its status ; however, I would like to request clarification and verification of the following details for my records : The date of the first delinquency on the account. The date of the last payment made on the account. The date the account was officially charged off. This information will assist me in maintaining accurate records and understanding the timeline associated with this account. Please provide this information in writing at your earliest convenience. If additional documentation or identification is required to process this request, feel free to contact me.
Product: Debt collection

I just recently married my husband and I am trying to help him pay off his credit card debt. We received a letter from the courts regarding garnishment of his wages. The company in question is Javitch Block LLC. I called this company about 2 months ago to get a balance on the account and also question if there are settlement options. I was told by their rep XXXX that typically when an account is in garnishment status, they do not offer settlements, however they always review offers. He indicated that not all offers are accepted, but we could always make an offer to pay in full to fulfill the debt. I told him I wanted to talk to my husband in regards to what we could afford if we made an offer, and that I would call back. I just called this company back today ( XX/XX/18 ). After waiting on hold for 23 minutes, I spoke with XXXX XXXX who told me that since the debt is being garnished, there are no settlement options. I explained to her what XXXX told me, and she confirmed this by looking in the notes in my husbands file, and told me that since the remainder of the debt was " only '' {$570.00}, they would not accept any offer. I asked her why? She said because the amount is so small. That amount is not small to me, and I asked her why I was told that their company accepts any offer for review. I asked her what would the process be if I wanted to offer {$100.00} to pay off the debt, and she said that she would review it, that it was just reviewed based on my verbal example of {$100.00}, and that it was denied, she was not accepting any offer I wanted to give them. She was very abrasive, and treated me as if I was beneath her simply because I was trying to make an offer to pay off this debt. Then she transferred me to her supervisor, XXXX XXXX, who clearly has been doing this job for way too long as he treated me worse than XXXX. He would not let me talk, finish a sentence, and wanted nothing to do with hearing my explanation. He kept saying that he was not hearing any offer, we are required to pay the remainder in full. Why was I told otherwise a few months ago? Why would they not want to settle a debt? I told him he sounded like he has zero patience for me, or my questions, and he cut me off saying that he was been doing this for 18 years, and that I could ask anyone he works with, he is the most patient person on the team. I told him to have a nice day and disconnected the call. I feel they lied, and misled me regarding making an offer to clear up this debt, and because I challenged them, they want nothing to do with working with me. I find it VERY hard to believe that if I offered them close to the full amount, they would deny it, but they didn't even give me an opportunity. Also their customer service is HORRIBLE. Just because we have an outstanding debt, does not make them better than us. I am very unhappy with my experience and feel awful for anyone who has to deal with their company.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I called Cash app support to get help with my account after changing my phone number and was locked out of the account from which I have funds on the account. I verified all the information on the account and was advised I was unable to gain access since I did not have the old number anymore. I was told unless I get access back to my old number the funds would just sit there. I asked if there was any way I could cancel the account and have my funds mailed in a check and was advised no. So I am filing a complaint against the cash app because I feel as if they are robbing consumers. XXXX how many people all over the world they are doing this to. What happens to consumers ' money? Too hold on to consumers ' funds is totally unlawful.
Product: Checking or savings account

BBVA Compass ( the Bank ) refused to provide me with substitute checks copies for your XXXX Checking Account ( # ... XXXX ). 

A certain number of checks were paid out of my account but the Bank will not provide me with copies of the cleared checks. I have also requested all of my funds currently being placed on hold/restricted/or otherwise be release to me immediately every single time I make callas to BBVA. 

Bank records show the XXXX Checking Account ( # ... XXXX ) in question was charged off on XX/XX/XXXX with a balance owed of {$230.00}. You also had two other deposit accounts ( # ... XXXX and # ... XXXX ) which were charged off on XX/XX/XXXX with balances owed of {$1300.00} and {$15.00}, respectively. Between XX/XX/XXXX and XX/XX/XXXX, a total of thirteen ( 13 ) checks were presented to this account ( s ) ( # ... XXXX and # ... XXXX and XXXX and were all allegedly returned unpaid. 

The checks that were presented to the account are as follows : XX/XX/XXXX Check # XXXX {$59000.00} XX/XX/XXXX Check # XXXX {$10000.00} XX/XX/XXXX Check # XXXX {$1000.00} XX/XX/XXXX Check # XXXX {$1000.00} XX/XX/XXXX Check # XXXX {$55000.00} XX/XX/XXXX Check # XXXX {$10000.00} XX/XX/XXXX Check # XXXX {$10000.00} XX/XX/XXXX Check # XXXX {$60000.00} XX/XX/XXXX Check # XXXX {$11000.00} XX/XX/XXXX Check # XXXX {$10000.00} XX/XX/XXXX Check # XXXX {$5000.00} XX/XX/XXXX Check # XXXX {$27000.00} XX/XX/XXXX Check # XXXX {$9800.00} On the memo portion of the checks, it states either for setoff and adjustment or Paid in full, for setoff/adjustment. 

Lastly, some checks appear to be electronically generated via computer with the routing number and account number for BBVA Compass but have the financial institution name listed as XXXX XXXX XXXX which were remitted in error and explanation given to XXXX at BBVA. 

Notice is hereby given that BBVA has forbidden me from ever entering any bank location. Ever! 

" Due to your behavior during one of these visits to the XXXX XXXX Banking Center on Tuesday, XX/XX/XXXX, the Bank has made the decision to revoke your privilege to enter and/or contact any BBVA Compass property. Contacting includes, but not limited to, telephone calls, emails, and social media direct messaging. Further appearance and/or contacting shall be considered trespassing and/or harassment, and the Bank will seek all remedies within its power. A No Trespass/No Contact Notification Letter with this information was sent to your address of record on XX/XX/XXXX. A copy of the No Trespass/No Contact Notification Letter is attached to the CFPB portal for your review. "
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL -Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Checking or savings account

On XX/XX/XXXX, I tried to make a purchase from a merchant. I then received an email from the merchant asking for a copy of my government ID. I explained that I was not comfortable with this. The merchant assured me it was no problem that they would refund my money and just have me send money via XXXX through my banking app. I was also hesitant about this but the merchant took the money via XXXX. I later received merchandise in the mail from the merchant and it was not what I paid for. I reached out to the merchant regarding this and the merchant blocked me and went non responsive. It was apparent to me at this time that I was a victim of a scam. I tried for several days to reach the merchant regarding this and never was able to receive a response. I reached out to capital one and explained the situation and that I was a victim of a scam. Capital one allowed me to dispute the charge and said they would contact me for more information. I was never contacted and my claim was denied because the money was set via XXXX. Even though I informed them that I was scammed. I then asked could I dispute the original charge and they allowed me to dispute the original charge and said they would call me for more information. I was never called. My claim was again denied because the merchant was wise enough to refund the debit card transaction and take the money another way. I then went into the branch hoping that I would be able to show them proof I was taken advantage of and submit another dispute. I was told by the Branch Manager- to leave his establishment because there was nothing he could do for me and that I would just have accept my loss. I then filed a claim with the XXXX against the original merchant and also against Capital One. I have not been contacted and it was been over 2 weeks. I received an email from Capital One to beware of scammers taking money via XXXX but when I called in I was told that I could not file a dispute, my money would not be returned, there would be no investigation, and that I could not speak with a supervisor or have the supervisors name. I would like my money returned to me by Capital One, charged back to the Merchant. I was a victim of a fraudulent transaction and nothing is being done to help me.