23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received a letter from Phoenix Financial Services alleging that I owed a debt for services rendered on XX/XX/XXXX, seven years ago. The debt was allegedly incurred in the State of Florida. The statute of limitations on such a debt in Florida is 5 years. I gave the letter to my attorney so that he may respond accordingly. 

Today, XX/XX/XXXX, I noticed a missed call from a number which appeared to be a local Georgia number. I called the number back. I did NOT hear the usual " Thank you for calling XYZ Business, etc. ". What I got was a real live man on the other end who asked for me by my maiden name. I replied " yes, that's me but that's my maiden name, who is this? '' to which he replied " Ma'am I don't have time to play charades with you '' and hung up the phone. Not only was his reply unprofessional ( I didn't even know at that time that I was supposed to be speaking with a professional ) but it made no sense. I tried calling back several times to try to find out what this was about and each time the phone rang the person would pick up and hang up. Finally, a woman picked up and identified the company as Phoenix Financial. At this point I was so angry and frightened that I could barely explain to the woman what had transpired with the previous caller. 

The practice employed by Phoenix Financial today was beyond unprofessional, it was abusive. Not only is this company acting outside the scope of the law, but they went as far as to frighten and intimidate me by having an unidentified man call me from a number local to me behaving much like a stalker and not like the representative of any company. What's worse is that the man that originally called me was so creepy and unprofessional that I truly fear what he would do with any personal information he may have on me.

It should be noted that I have monitored my credit closely over the years and have never seen a debt owed to this company on my credit report nor have I ever received any communication, written or otherwise, from this or any other company regarding the alleged debt, prior to XX/XX/XXXX, a date well beyond the statute of limitations for this alleged debt. 

As a XXXX XXXX survivor, I would also like it noted that Phoenix Financial went out of their way to obtain my brand new address and phone number apparently for the sole purpose of deeply frightening me being that the alleged debt has run its limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a credit card for the company XXXX which is provided by the company " XXXX XXXX. '' Back in XX/XX/XXXX, I submitted an update to have a new checking account added to my profile via the website for XXXX XXXX. The website had technical issues because it never added the account and caused a payment issue. I found out because the company contacted me to say that I was behind on a payment, when I had already submitted it with ample time. The same issue occurred XX/XX/XXXX, I resubmitted via the website to add the new account and submitted the payment for that same checking account and again, XXXX XXXX had the same issue. So, they then needed to add the account manually through a supervisor in XX/XX/XXXX. Once everything was finally updated, payments cleared through the account. The supervisor ensured me that due to this NOT being my fault, and it was a technical issue with the website for 2 months in a row, she would credit me the 2 late fees that I was unaware of. I also had asked her if this would be reported negatively to my report and she also assured me, that it would NOT be reported negatively. During this time, I was also homeless so I did not have funds to be financially stable, but I found a way to not only get my account paid but also now I've been sending chunk payments every month as of XXXX and XXXX so over 97 % of the credit has been paid down. Now, that I have access to my credit report as of late XXXX, I started to utilize credit services more and see that the 3 credit bureaus all reflect I am late 2 payments for " XXXX XXXX. '' All of this was of no fault of my own, but even as a homeless man, I did my due diligence to submit my checking account and paid on time every month. This company needs to remove this because their faulty system was the issue and " XXXX XXXX '' was willing to refund me the late fees AS PROOF, that they were in the wrong. It took them 2 months to get my new account added, and the payment to finally process. They admitted it was a tech issue. This has caused negative impact in my score for years and has hurt me from having better employment opportunities, as well as has hindered me from applying for credit cards or even qualifying for credit limit increases. I submitted about 2 or 3 contacts via mail in form of dispute letters in XXXX, and via phone to have this removed, but the company will not budge, even though supervisor admitted due to website issues, they would give me late fees removed. So, if late fees are removed, why is it still reporting late to the bureaus? Doesn't make sense. Please have them remove from all 3 credit bureaus asap as I'm fixing my credit of inaccuracies in order to buy my 1st home soon. Thank you.
Product: Debt collection

BERLIN WHEELER INC WERE SENT NOTICES OF CLAIM DISPUTE. I HAVE NO TACIT AGREEMENT OR PRIVITY OF CONTRACT WITH THE ABOVE MENTIONED FIRM.

ALSO STATED : BERLIN WHEELER INXXXX IS A THIRD PARTY JUNK DEBT BUYER, HAVING NO BONA FIDE PROOF OR FIRST HAND KNOWLEDGE THAT I SIGNED A CONTRACT WITH THE ALLEGED CREDITOR XXXX XXXX. 

BERLIN WHEELER INC ARE USING A SCHEME OF FRAUD BY MAIL/EMAIL TO IMPLY A CONTRACT BETWEEN THE PARTIES.

FURTHER STATED : BERLIN WHEELER , INC FURNISHED THE CREDIT REPORTING AGENCIES WITH FALSE, FRAUDULENT, AND MISLEADING INFORMATION, RESULTING IN A MAJOR DECLINE OF MY CREDIT SCORE, AND DENIALS FOR CREDIT. THIS IS A DIRECT VIOLATION OF THE FDCPA AND [ FCRA 1681b ] WITH REMEDY UNDER [ FCRA 1681n ].

ACCORDING TO THE PUBLIC ACCESS TO COURT ELECTRONIC RECORDS ( PACER ), BERLIN WHEELER , INC. HAS BEEN SUED SEVEN PLUS TIMES OVER THE LAST TWO YEARS FOR DEBT COLLECTION HARASSMENT. 

THIS IS PRIMA FACIA EVIDENCE OF RACKETEERING AGAINST THE PARTY ( S ). 

THERE IS NO PROOF TO THE CONTRARY.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer services 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 or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX, XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

WE HAVE TRIED MANY TIMES THRU A LONG PERIOD OF TIME TO SOLVE THIS ISSUE WITH THE COMPANY. 
HERE IS THE LETER WE SENT IN XXXX. 
WE RECEIVED NO ANSWER TO : Bank of America XXXX XXXX Bank of America Attn : XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX Property address : XXXX XXXX XXXX. XXXX NJ XXXX Loan Number : XXXX XX/XX/XXXX To whom it may concern, The property referenced above was originally purchased with a loan from XXXX XXXXXXXX, which was subsequently absorbed by Bank of America. Shortly thereafter, the loan changed servicers numerous times. 
In order to keep the property, we proactively filed for a loan modification with every one of the servicers during an eight year period. Due to the very high volume of foreclosures and modifications being processed as a result of the financial collapse of XXXX, none of the servicers, including Bank of America was able to make the loan current. 
Finally, in XXXX, XXXXXXXX XXXX  was able to modify this loan ; however, the terms of the modification failed to contain a fair and accurate valuation of the property, making repayment of the loan unmanageable. The loan is currently being serviced by Bank of America. 
We very much want to keep the property and fully intend to pay the mortgage, but we would like to renegotiate the terms of the loan in order to avoid foreclosure and hope that you can help make this possible. A fair and reasonable reduction of the principal and interest rate would enable us to better manage the new payments. 
I am willing and able to provide any documentation or information necessary to move the process forward and I would be happy to discuss the situation with you at your earliest convenience in order to find a solution. Please call me at any time at XXXX or send an email to XXXX. 

Thank you for your time and consideration, XXXX XXXX XXXX XXXX XXXX Below find a paragraph of the letter we received from Bank of America in XXXX for twin property number XXXX, at XXXX XXXX XXXX. 

Dear XXXX XXXX : Your mortgage is approved for a principal forgiveness modification. 
Please return the Modification Agreement no tater than XX/XX/XXXX. 
Your first modified mortgage payment is due XX/XX/XXXX. 

Thank you for completing the Trial Period.

Your Loan was modified with a loan assistance program offered by Bank of America, as part of a settlement with the Department of Justice This modification program includes a significant forgiveness of principal, and an affordable monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continue send me email about credit cards. The I already been a prove. 2 months a go. I was opening the emails and filling the information the was ask. Always was Denied. The company XXXX was referring me Continue open my credit report. My score when down 54 point. I finally figure out there game. Now the want me to hire some with XXXX  to increase my score, also they want to apply for credit. They know the I wont qualify. My score its low. Plus I got an account charging me {$1000.00} Which was my ex the primary person.
Product: Checking or savings account

I am a property investor with several properties in both Idaho and XXXX  XXXX as well as XXXX. When I was in the US in  XX/XX/2019 I was encouraged to open an account with First Interstate Bank in XXXX Idaho. At the time I signed all the forms and provided all the identification that they required. They did not indicate that would be any problem with me being an XXXX resident when I met with the representatives of the bank, XXXX XXXX. On returning to XXXX, they informed me that even after providing additional information to them and signing another form for the second time, they informed me that they were going to close my account. I wish to lodge a complaint against this bank for misleading statements and incompetence as it became apparent that they never should have offered me an account or opened one for me. This wasted a significant amount of time and I would like this matter to be investigated. I have discussed this matter with the local branch manager XXXX XXXX requested some form of compensation but they refused to do this. Please call me if you have any queries.
Product: Credit card

I am part of the XXXXXXXX XXXX XXXX I made my XXXX payments and was eligible for the upgrade. I did the upgrade and Im still getting charged for a loan that should have been closed. Customer service representatives are unable to help me or to escalate my concern.
Product: Debt collection

Accepted XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Offer Accepted for value received {$8500.00} of the obligation due Pay to the Bearer For Special purposes such as bailment or general deposit. Account XXXX Signature Business By Accommodation : AH/ Agent Without Recourse, XXXX XXXX
Product: Mortgage

My mortgage was sold to Specialized Loan Servicing on XX/XX/2016. My mortgage payment was due on XX/XX/2016 I made the payment of XXXX on XX/XX/2016 to the original creditor. The new company is now applying my payments a month behind and reporting my account as delinquent. I have sent them proof of all payments but they will not correct the mistake. I have also called the original creditor and they claim they are due that payment from XX/XX/2016 and when the loan was transferred it was marked current with the next payment due on XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I opened an account with XXXX XXXX XXXX XXXX and the account was closed on XX/XX/XXXX, A derogatory remark was made on my credit report Experian, XXXX, XXXX, stating that this account has a balance of {$2500.00}, and also that I have late payments XX/XX/XXXX of 120 days late I can not understand how this can be possible is the account was closed in XX/XX/XXXX and how can any account be reporting late for 120 days for 3 consecutive months? Also I did have an account here but my balance has never been {$2500.00}, I do n't understand how they can add {$1000.00} plus dollars to my account, please help me I have contacted this company many times I would like to address these issues by either paying what i truly owe them or get this negative remark removed from my credit report.
Product: Checking or savings account

Ive received numerous emails and and letters to my fathers house about things I have no idea about
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A 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. Any other adverse item of information, other than records of conviction 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: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes my name is XXXX XXXX and Transunion are reporting accounts as delinquent on my credit report. I spoke to all the creditors and ask them is they reporting that and they said no they see that I have on time payment these creditors are XXXX. Applied bank Showing XXXX missed payment when I paid XXXXXXXX XXXX XXXX XXXX XXXXXXXX showing XXXX missed payment that showing delinquent payment when I paid Ontime All XXXX asking Transunion to do is remove those late payment from these accounts because it inaccurate I never been late on my payments there are a dispute already in place but I need this to be expedited because this is hurting my score I already spoke to the creditors and they advise me that Transunion is reporting my account inaccurate and it need to be fix or I will get in contact with my attorney general please remove those late payment that showing for applied bank And XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX of XXXX I opened a credit card account with XXXX. The literature that was mailed to me stated that the initial credit limit of {$700.00} would be doubled after seven months if the account remained in good standing. That is, no late payments were made on my part. I called XXXX  in XXXX to ask when my limit would be doubled. The representative informed me that since all payments had been made on-time, the credit limit was set to be doubled in XXXX. After I made a on-time payment for XX/XX/XXXX, I noticed that the account limit was still {$700.00}. I called customer service and was informed that my account limit would not increased due to the fact that it had briefly been over the credit limit. I responded that this was not part of the original contract and reminded the representative of my earlier conversation with a XXXX agent. She then informed me that since my initial credit limit was under {$1000.00}, my limit would double after ten months, in XXXX of this year. She completely omitted the over-the-limit issue. Again I reminded her that I had spoken to an agent who indicated that the limit would be doubled in XXXX. The representative was very rude and constantly interrupted me. I informed her that I would report this matter to the CFPB, the FTC, and my state 's Attorney General 's Office.
Product: Credit reporting or other personal consumer reports

I have been trying to get TransUnion to correct my personal consumer report but they refuses and continues to furnish inaccurate and unverified information on my consumer report and file. I am in the process of taking control and securing my personal and private information. This massive data breach has exposed my information and I am very concerned with inaccuracies on my report. Please address this matter. Attached is a notices for demand TransUnion to remove all items within attached notice.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts, address and inquiry as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 or prepaid card

Capital One Case # XXXX Amount {$660.00} Purchase Date : XX/XX/2019 Capital One Card Services One XX/XX/2019, I booked a flight on XXXX XXXX ( Ref : XXXX ) to XXXX. Shortly after, I received a jury duty notice. I contacted XXXX to identify if there was a policy to resolve extenuating circumstances as I was no longer able to receive the service paid for. They notified me they would not refund me nor waive rebooking fees, they would provide no relief, therefore I was out {$660.00} due to their draconian policies. Never in my communication, did I request that they cancel my flight. 
Not long after ( within 2-3 weeks ), I noticed that my flight was completely cancelled with no communication from the airline whatsoever. The flight was no longer in my account nor could it be searched for. For some reason, now not only did I not have my flight that I could not cancel but could rebook, I had nothing. XXXX took it upon themselves to cancel my flight and resell my seat without request from me, providing me no services and no merchandise for the {$660.00} paid. 
I disputed this transaction but as of XX/XX/2019, but Capital One rebilled me as apparently there was an issue with my dispute even though I received nothing in return for my payment to XXXX and they breached their carrier agreement. Capital One states that XXXX XXXX provided proof of their cancellation policy. Once again, however, I never requested a cancellation as at very least I could have done a name change on the ticket or booked it for a future date. I now have no flight on XX/XX/XXXX, nor an ability to rebook. 
I contacted capital one on XX/XX/2019 for assistance and was told that the matter was resolved due to Norwegians response. 
I dispute this charge and request a 100 % refund as XXXX has not provided the service agreed in any shape whatsoever, including the ability to rebook and cancelled my seat without request. No service has been rendered or merchandise provided, and they have breached agreement. Should this charge be held, I will contact the CFPB for relief beyond what has been currently ( or not ) provided. 
Never in writing nor via any form of communication did I ask XXXX to cancel my flight, however, the flight was cancelled without request nor did they correspond with me in any manner to inform me of such. 

I have attached proof that my seat no longer exists including : -original receipt showing booking number -proof there are no bookings on my account -proof that you can not search the XXXX   website for my booking ( it has been deleted )
Product: Credit card or prepaid card

Two months later i continue to be jerked around by this pathetic company. 2 weeks ago someone called me from there and said she would look into it and resolve the issue and then she disappeared. There are not XXXX purchases made through the Capital One XXXX rewards browser plug in that were activated and I followed all the rules and this company fails to credit my account and pay what they advertise and owe. I have another more recent purchase that shows up right away in my account as pending, so there is no excuse that these other two do not. I am attaching screenshots of the transactions