23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been contacted by a representative from Collection Attorneys USA LLC, they have called my place of employment, threatening to come looking for me. I spoke to them and advised tehm of my situation and reason why I had stopped making payments, which was me being diagnosed with XXXX and had some deaths in my family. I understand I have this debt and I am willing to apy it but there is no way I can pay the {$2000.00} she wanted immediately, she tehn proceed to say she would take it to court and I would be responsibel for over {$3000.00} if she did that. There si no way I can afford that either. I am a XXXX mother caring for my XXXX children and XXXX grand kids on 1 single income. Any help that can be provided will be greatly appeciated. I am willing to pay in installments but just can not afford to pay the lump sum they are asking me to. 

Thank you
Product: Credit reporting or other personal consumer reports

privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX. Account XXXX XXXX Account Name : XXXX XXXX. Account XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXXXXXX XXXX XXXX. Account Number XXXX 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. 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
Product: Checking or savings account

I had a cash app card that suddenly had a XXXX balance and i don't know how. When I contacted customer support to inquire about these charges, they closed my account without a response or reason. This transaction is still in my name and on my credit and preventing me from furthering my education and buying home and has caused me considerable suffering. 

I tried to become a member of the class action law suit against cash app, submitted the claim form but never heard anything back. I contacted the attorney listed in the class action notice I originally received regarding this lawsuit and they said XXXX past the submital deadline to be included and referred me to your office. 

Please let me know what O should do or who to contact. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I requested a balance transfer of {$15000.00} from this card after receiving an offer of 0 % interest until XX/XX/XXXX. 

On XX/XX/XXXX I noticed that my XX/XX/XXXX payment included the XXXX in my autopay payment. I called customer service and asked why this was included and was told because I set it up that way but I still had time to change the payment. 

I told your agent that circumstances had change and I was able to repay the XXXX but would only do so if the balance transfer fee of {$750.00} were waived. He put me on hold and came back stating he spoke to his supervisor and that if I paid the entire amount due the {$750.00} fee would be reversed. I agreed to that. These conversations should be reflected either in my account notes or a recorded line. 

I watched and waited until the account closed on the XXXX, but no credit was posted. I called back on XX/XX/XXXX and spoke with an agent who said I had not paid the entire balance therefore I was not entitled to a refund of the balance transfer fee. I then asked to speak to a supervisor who was abrupt and borderline rude, the most interesting thing he said was he was not aware of my conversations on XX/XX/XXXX, really?, he couldnt look at my account? 

Even if the agent I spoke with on XX/XX/XXXX, and his supervisor, spoke in error, they are agents of Citi and Citi should honor what they told me. 

I sent the attached letter on XX/XX/XXXXXXXX  and received a response from them in a letter dated XX/XX/XXXX. 

I sent a 2nd letter on XX/XX/XXXX, appealing their decision which said. 
I am writing in response to your letter of XX/XX/XXXX. Although your letter says to call, I do not wish to do that because I am so tired of speaking to people who either dont understand what I am wanting or do not have the authority to do what I am asking, which is to refund the {$750.00} balance transfer fee I have been charged. 

In short, your letter states that the reason you can not refund the cash advance fee is that after all payments were made, I owed {$210.00} on the balance transfer therefore I am not entitled to a credit of the {$750.00} fee I paid. 

I am enrolled in automatic payments and aside from promotional balances, pay my bill in full every month. This has been the case since XXXX when I first received the card. When I do a review of how my XXXX payment was allocated, and, review my XXXX statement, the only balances due are the ones that are on flexible plans that were created before I did the balance transfer on XX/XX/XXXX. 

I repeat, my XXXX statement shows NOTHING owed on the balance transfer. If you can show me how my {$18000.00} was allocated and failed to pay off the balance transfer, I will let this matter drop. If you cant, or wont, I may file a complaint with the Consumer Financial Protection Bureau. 

As I stated before, even if the agent I spoke with on XX/XX/XXXX, and his supervisor, spoke in error, they are agents of Citi and Citi should honor what they told me. 
Their response was basically the same as their response on XX/XX/XXXX. I am attaching copies of all correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found the following to be in error. I would like these items deleted off my report FCRA VIOLATION. 

XXXX XXXX XXXX # XXXX - account unknown, bureaus can not validate please delete XXXX XXXX XXXX # XXXX - account unknown, bureaus can not validate please delete off my report XXXX XXXX XXXX XXXX XXXXXXXX - EXPERIAN is reporting past due however I do not have any late payments- please update my report to paid as agreed. Also last date active is showing XX/XX/2018 ( see attached )
Product: Credit card or prepaid card

I signed up for the XXXX XXXX XXXX Mastercard offered by Barclay Bank on XX/XX/XXXX. This card comes up with an annual fee of {$89.00} for each year of membership, which I paid during the first month when I signed up. When my one year came around, I decided that I no longer want to keep the card open and on XX/XX/XXXX, contacted Barclay requesting to close my account. At this time, they had charged the annual fee of {$89.00} ( for the upcoming year ). I was told by the customer service representative that since I am cancelling and not renewing my membership, the fee would be reversed and the balance XXXX  out. This was not done and I was charged a late fee of {$19.00} on XX/XX/XXXX. I called and spoke to another representative named XXXX, ID # XXXX, on XX/XX/XXXX regarding this matter. He stated that the last representative did not do what she told me she would. He apologized and stated that he would make sure the annual fee and the late fees would be reversed. I confirmed with him multiple times that this would be done as I do not owe these fees since my card was closed. He understood and stated that he documented the file. On XX/XX/XXXX, I was charged another late fee of {$19.00} ; none of the charges ever reversed. Once again, I was lied to by Barclay 's representative.
Product: Student loan

I was referred to XXXX by a friend. I was told they were an Obama Loan Forgiveness company. I called them, and they said they worked with the Dept. of Education. I was told I was running out of time to consolidate the loans under this program, had to pay {$49.00} a month for 3 years. Signed contract on XXXX XXXX, 2016, was told they will consolidate and wipe out loans completely for a total of {$1400.00}. Found out after that it said I had three days to cancel in fine print. Called the Dept. of Education and they said they had no knowledge of this company and that they should not be taking fees for this service. 
Called back saying I wanted to cancel because they were not with the Dept. of Education and I wanted to go back to school to get a XXXX, and knew I could get loan forgiveness. Asked if I could pay a penalty but was told I was stuck with them for at least ten years, or to pay the {$1400.00} immediately. Changed bank account but they keep calling me, since XX/XX/XXXX, to collect payments they think I owe. Sometimes they say they are XXXX and sometimes they are Equitable Acceptance Corporation, collecting for XXXX. When they call, they often tell me that they will mess up my credit if I do not pay. The supervisor XXXX was menacing and rude, and I was hung up on and transferred to different people. I also receive monthly emails from XXXX. 
I contacted XXXX XXXX XXXX, and they wrote a letter to XXXX on my behalf, asking them to stop contacting me. They have continued since the letter was received.
Product: Debt collection

ABC Financial has been contacting me concerning a past due amount owed for a health club membership that to my understanding was cancelled. I informed ABC financial that I had went into the gym location and informed them that I wanted to cancel months ago. ABC Financial informed me that they will continue to bill me unless I write a letter and send it to the location asking to cancel. This could not be ethical, I did n't write a letter to sign up for the membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I received a copy of my Transunion Credit Report ( # XXXX ) XX/XX/year> through annualcreditreport.com that linked me to transunion.com and noticed some things are incomplete and not accurate that were reported. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow all reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report belongs to.

I sent a letter to Transunion Certified mail, Tracking # XXXX XX/XX/year>. 

I asked them to investigate the following accounts : 1. XXXX XXXX XXXX ( {$2700.00} ) 2. DEPT OF ED / XXXX XXXX ( {$3700.00} ) 3. DEPT OF ED / XXXX XXXX ( {$2500.00} ) 4. DEPT OF ED / XXXX XXXX ( {$3700.00} 5. DEPT OF ED / XXXX XXXX ( {$2400.00} ) 6. DEPT OF ED / XXXX XXXX ( {$4700.00} ) 7. DEPT OF ED / XXXX XXXX ( {$1100.00} ) 8. DEPT OF ED / XXXX XXXX ( {$5800.00} ) 9. DEPT OF ED / XXXX XXXX ( {$2200.00} ) 10. US DEPT OF EDUCATION XXXX XXXX ( {$3100.00} ) because I believe that the open date is not reporting correctly, date last active, date of last payment, and monthly payment accuracy aren't correct.

Transunion received the mail XX/XX/year> and the return slip stamps it was signed for by XXXX XXXX who is labeled Agent on the return slip.

Despite receiving my dispute, TransUnion has failed to respond with any updates, corrections, or investigations regarding the inaccuracies in my credit report. As of today, XX/XX/year>, more than 30 days have passed since TransUnion received my dispute letter, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( 1 ) ( A ). Which states when a consumer disputes the accuracy of information in their credit report, the credit reporting agency must investigate the disputed information within 30 days. If the investigation does not resolve the dispute, the disputed information must be deleted or corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IN XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states XXXX  account type as derogatory, Experian account status as paid, and XXXX  account status as paid, which you are reporting different information between agencies, which makes this account invalid, delete per violation. Secondly, XXXX  reporting payment status as collection/charge off, Experian payment status reporting current, and XXXX  payment status as current, you are reporting different information, which makes this account invalid, delete per violation. Per reporting, you claim this account was paid, by who? what payment type? and where is the original copy of the payment? Please note, do not submit copies of credit card statements or payment history as proof, which is not valid proof and will not hold up in court. 

Per violation, you are reporting different account status and payment status between credit agencies, which is hurting my financial situation and causing me pain and suffering. As a result, I will seek legal action for defamation and according to your reporting, it stats the debt is still showing unpaid, which has hurt my financial situation., which as caused denial for of current and future funding. In addition, if the account was paid, then you have no legal right to still collect on this account. 

Please note, I have enclosed a screenshot of my current credit report as proof. Please review.
Product: Student loan

I cosigned a private student loan for my sister. She used it for lawyers as she was getting divorced. She never used the funds for college. I went into bankruptcy and they refused to discharge this loan even though it was n't federally guaranteed and the monies were not used for educational expenses. I 'm out of bankruptcy now and all of my student loans are suddenly under Navient along with my sister 's loan. I 'd like to discharge them all.
Product: Checking or savings account

I am unable to access the ATM machines inside the branch after hours. The card reader to allow entry into the branch has been broken on 2 separate occasions. This happened at the Bank of America located at XXXX XXXX XXXX XXXX XXXX, IL XXXX United States
Product: Credit card

The Home Depot offers consumer credit cards which are serviced through Citibank ( citiretailservices ). They periodically offer extended terms offers of no interest for six, twelve, eighteen, or twenty-four months on purchases of various amounts. I find that the deferred interest charges are being accumulated in an amount that exceeds the rate that is in the account agreement and that appears on the monthly statement. 
On my XXXX/XXXX/2016 statement, the deferred interest charges increased by {$23.00} on the {$1100.00} promotional balance and by {$61.00} on the {$2400.00} promotional balance. When I calculate the 30 days interest at the published 25.99 % rate, I get {$22.00} and {$52.00}, respectively. 
I am attaching copies of the XXXX/XXXX/2016 and XXXX/XXXX/2016 statements.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my credit report. 

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: Payday loan, title loan, personal loan, or advance loan

They approved without validation of income or proof repayment. Im self-employed, and my business income was consistently going down I had multiple overdraft fees in both my business and personal accounts. My credit card usage went up, and my credit score went down drastically over the past year. I was desperate for income due to medical bills, and this is by definition, predatory lending.
Product: Credit reporting or other personal consumer reports

I noticed that I was a victim of identity theft, I immediately went to the authorities & made a complaint ( police report ), as well filled out an FTC report as well ( notarized ). I alerted the Bureaus as well as the unauthorized creditors of the findings. Unfortunately I had to escalate my dispute to exercise my rights to clear my profile of fraudulent activity found.
Product: Debt collection

Refusing to remove collections in compliance with the Texas Financial Code Sec. 392.101 after failing to validate debt within 30 day of mailed request On XX/XX/20 National Credit Adjuster received that I sent a debt validation letter that was sent via certified mail by me on XX/XX/20. The debt validation letter requested that the collection agency provide me with the required information for debt collection in Texas based on the Texas Financial Code. The agency failed to respond to the request as required within 30 days in ordinance with the Texas Financial Code by Sec. 392.101. I called NCA on XX/XX/20 multiple times seeking a removal for failing to respond resolution and spoke to an male agent who told me that regardless of them not providing information under no circumstances would the collection be deleted. I called back and another agent named XXXX who told me good luck with getting it removed as they were not going to. I called back several times more and was supposedly transferred to an escalation department but the call was ultimately hung up each time transfered. The Texas Financial Code Sec. 392.101 requires debt collections to provide the following  information to validate debt : The name and address of the original creditor * The original date of default or non-payment of the debt with original creditor *The date the debt was transferred from the original creditor to the third party debt collector An authorized agreement that shows obligation for any interest, charges, fees or expense incidental *The original balance *The current balance * Any fees added by your agency.
Product: Debt collection

The doctors office charged me for procedures that were paid for that were done by specialists. XXXX paid them and another office for same procedure. also took my co pay in cash stated they would email receipt. I contacted XXXX legal department on this office and also XXXX XXXX. I also contacted there billing office for XXXX XXXX XXXX. They continue to be rude and ruin my credit. I stopped goinmg to them after wrong medication and billing issues. This has been the 6 collection company that wont stop calling and threatens me. XXXX legal dept is working on this care. Iam XXXX with XXXX XXXX and other XXXX and am ununable to get financing for procedures that will save my quality of life cause of this collection opn my credit bureau and the time it has taken for XXXX to fix it.
Product: Debt collection

XXXX XXXX has repeatedly sent me a collections bill for a XXXX account that I have no knowledge of. On the bill itself the identified person is XXXX XXXX XXXX .. That is not my name. I tried to dispute this with them by sending tax documents and even a copy of my social that shows that my correct name. I 've called several times and made several attempts to resolve this matter and delete this collection account on my report since it 's not only hurting my credit but it 's FALSE information. Thank you.
Product: Debt collection

XXXX XXXX - XXXX - is reporting and attempting to collect a debt I already paid! I already settled this debt over a year ago to the previous creditor. 
Also I never got a notice from you, I just saw it on my credit! You did not give me a 30 day right to dispute notice so that I could let you know that this was paid already.
Product: Debt collection

Spoke with NCA in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.