23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To CBE Group Inc. Date : XX/XX/2023 XXXX XXXX  XXXX XXXX IA. XXXX On XX/XX/2023, I requested Information from your company to which you were not able to provide within a thirty-day period. You attempted to circumvent my request by addressing your response to my wife, XXXX XXXX, when I alone XXXX XXXX, was the one who initially wrote the request. 

Your Collection company, verbally claimed to me, to have been given my IRS account by the IRS. By law, IRS selling or relinquishing my account to a collection agency releases their authority to collect funds form said client ( s ). The Collection agency ( CBE ) must provide any, and all legal information pertaining to the said clients account upon request. Your company failed to provide any valid information from your company in reference to the account in question. 

Anyone could find out who owes money to the IRS and claim to be an entity to collect said funds ( if they have the skill set to do so ) IRS data base has been breached before, so the publics information is not secure as it should be. 

IRS never provided me with a name of the any company as being a company authorized to collect said funds on their behalf or as the entity, they have sold the account to for collections. 

Note : I was making monthly installment payments to IRS through my XXXX XXXX account when IRS stopped receiving the payments. In my attempt to contact IRS via a personal interview there were no local interviews available in the XXXX area resulting in me having to drive three hours away from my home to XXXX XXXX, to have a face-to-face review of my account. I was set up to interview with an older lady that could not answer any questions, nor did she know how to access the information requested. I asked to see a supervisor because she could not answer any question. She stated there wasnt a supervisor on grounds and that I would have to reschedule. She was completely incompetent to working the position and could not help me to understand the reason for the charges incurred on the account. IRS makes it so difficult to contact them to get an understanding of accounts to the point that people cant get their questions answered. Yet the people are held to IRS statement regardless of IRS being right or the customer. IRS will delay the people on purpose while charging them for those delays which is so unfair. 

I am requesting the removal of all accounts baring my name and XXXX XXXX name from your accounts/ legers. I am also requesting no reporting to any credit reporting agency of this none- collectable account. 

I will also send a copy of this letter to the Federal Trade Commission, Consumer Financial Protection Bureau, and the State Attorney General Office.
Product: Credit card

I have been charge {$470.00} per month for finance charge and I had called Bank of America to remove these fees. 
XXXX. From Bank of America Last name XXXX located in XXXX California.
Product: Credit reporting or other personal consumer reports

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.
Product: Payday loan, title loan, or personal loan

I received a small payday from a XXXX XXXX  company called Bridge Lending last XX/XX/XXXX, and have had issues repaying the loan ( due to financial hardship ). 
Finally, in XX/XX/XXXX I received an alarming phone call from an unidentified local number, ( XXXX ) XXXX ; the message left by this process server basically threatening to show up at my job, or at my home unless I contact the client to settle immediately, which I did. I was unable again, to make the payment of {$240.00} that I had scheduled with this collections firm, who goes by the office of XXXX, ( telephone XXXX ) ; they did extend the scheduled payment to my next payday. I contacted XXXX back later that week, to make an arrangement for partial payment, as I was not able to make the payment for the full amount. I was denied a payment arrangement. The payment of course was not able to be processed on the scheduled date, and I was contacted immediately by another process server, who left another startling message on my phone. I contacted XXXX again, only this time, I was yelled at, berated, and threaten by office manager XXXX who stated that no arrangement would be made, and the case has been refiled ... this is not how I believe legit lenders, collection agencies and process servers do business ... in addition to filing this complaint, I have decided to seek legal representation.
Product: Debt collection

I am writing to dispute the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$1200.00} Last Verified : Not available Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Closed Date : Not applicable Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Factoring Companies Account Status : Open Payment Status : Late 120 Days Creditor Remarks : Collection account Original Creditor : Not available Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : Not applicable Past Due Amount : {$1200.00} Account Type : Collection Payment Frequency : Not applicable Credit Limit XXXX {$0.00} I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated. 
Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act. 

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.
Product: Money transfer, virtual currency, or money service

Our cheer gyms email was hacked and XXXX payment was requested. When sent the funds we were notified that the account was hacked and the gym was not involved in requesting the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted via certified mail a police report, identity theft affidavit, proof of ID and proof of address to all 3 bureaus informing them of fraudulent inaccurate information reporting on my consumer report, they did not refrain from reporting or block the information within 4 days of receiving notice. It has no been over 60 days. I would like all negative fraudulent accounts reporting removed from my report indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEED HELP REMOVONG SOME INCORRECT INFORMATION FROM MY REPORTS. I HAVE YET TO RECEIVED ANY RESPONSE FROM ANY BUREUAS I HAVE 3 TRACKING NUMBERS FROM THE MAIL I SENT THEM. THESE TRACKING NUMBER ARE FROM THE SECOND ATTEMPT IVE TRIED MAKING. 

XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX TU : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Direct deposits from my employer have been going to Capitol ONe for several weeks at a new job. Capitol One is withholding my deposit due to an issue with a " third-party vendor '' ... I received one email about this 2 days ago stating this would be resolved this am ( Friday, XX/XX/XXXX ). It has not been resolved. There has been no update, NO COMMUNICATION AT ALL, and no notifications on their homepage or on the app... It is a holiday weekend. I may not have funds until Monday ( if I'm lucky, with these losers ), it is affecting my ability to pay my bills, ( which they're having no problem taking out of my account ) and to put a downpayment on a home.

Capitol One has no problem notifying me that a card has been used, that I'm overdrawn, or that my car payment/credit card bills are due, but the silent treatment of the money due to my account is simply unprofessional and truly speaks volumes about how little they value their customers.
Product: Debt collection

This was a PELL GRANT, Collection Agency WILLIAMS AND FUDGE INC Original Creditor Name XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1300.00} Amount {$2900.00} Status Date XX/XX/XXXX Status UNPAID Comments Balance Date XX/XX/XXXX Account Designator Code XXXX  Account Number XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Contact WILLIAMS AND FUDGE INC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Date Reported : XX/XX/XXXX, This was a state Pell Grant, not a loan.On XX/XX/XXXX, the President signed Public Law XXXX, the Consolidated Appropriations Act, XXXX. Under this appropriation, the maximum Pell Grant award will increase to {$6000.00} for the XXXX award year, and the corresponding maximum Pell Grant eligible expected family contribution ( EFC ) will increase to XXXX XXXX, XXXX
Product: Credit card or prepaid card

I received a letter dated XX/XX/2020 informing me that my credit limit had been lowered from {$10000.00} to {$5000.00} due to not using enough of my credit limit. Then subsequently received 2 days later from Capital One that my credit score dropped 31 points! Looking up what lowers your credit score is credit limit decreases. I called and asked them to restore my credit limit in order to keep my credit score what it was previously and was told, " that is not possible. Capital One swept across the board with decreases for people who were not using their credit limit. '' Due to the Covid pandemic, I have not been able to travel or do much spending in order to stay home and stay safe. This is an unfair practice to have the ability to lower my credit score from  over 800 well below 800. 30 points is a lot! I hope something can be done about this! These companies have power over my credit score with me doing nothing to cause the change. If nothing can be done to raise my limit, I hope someone makes laws that make it so they don't have this control over my score without me doing anything! This is very upsetting and can cause my insurance to go up as well as raise the interest rate I would be able to get for other loans as well. This is detrimental to the public as a whole and especially to do this sweeping change during a pandemic is ridiculous!
Product: Credit card

I have been struggling for six months with the chase slate credit card. The staff or employees regarding the chase slate credit card denied multiple attempts to pay the credit card and falsified my information regarding my bank account method used to pay the bill. I have been trying to escape the billing cycle for over six moths with many unreasonable late fees and late fee adjustments that I don't deserve.
Product: Checking or savings account

My former employer opened a Health Savings Account for me with Bank of America in XXXX. I contributed monthly to this account and so did my former employer. In XX/XX/XXXX, my Health Savings Account was suddenly closed by Bank of America causing medical payments to bounce. The account also had two {$300.00} distributions taken out of it in XX/XX/XXXX. When I complained to Bank of America at the time, they gave me access to a new account that did not show any former transactions. I let Bank of America know then that I wanted access to the Health Savings Account opened for me in XXXX showing all transactions, and that never happened. I received no clear explanation for who closed the account, why the account was closed and where the two {$300.00} distributions went. I received a tax statement in XXXX with no clarity for how the fair value of the account dropped from over {$2900.00} to over {$600.00} ( see attached tax statements from XXXX to XXXX XXXX. I filed an identity theft affidavit ( police report and FTC report ) and was never able to use this account for medical  payments. The account was also eligible for investment and this could not happen. 
I recently received a card for a Bank of America Health Savings Account with my maiden name on it and my current address. Please be advised, I did not open a Health Savings Account with Bank of America and continue to ask Bank of America for a clarification of what happened to the XXXX benefit that I received in XXXX which they terminated in XXXX.
Product: Credit reporting or other personal consumer reports

Im reaching out with concern over an unfamiliar inquiry that has appeared on my credit report. I never authorized or gave consent for this company to access my information, nor have I applied for anything with them. This unexpected and unauthorized activity is causing me significant XXXX and XXXX as I try to understand how and why it happened and believe this to be fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Account Numbers 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 reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$30000.00}
Product: Credit card

XXXX XXXX XXXX Credit Card XXXX XXXX occurred on XXXX, XXXX and XX/XX/2023. This reason for the late payments I was bedrest and hospitalized in between time due to serious health issues and being a high risk XXXX. I've attached a letter and hospital documentations below. Please read and take it into consideration
Product: Money transfer, virtual currency, or money service

I am filing an complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Customer 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 Futhermore, their dispute resolution 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: Debt collection

Central Credit Services LLC sent me a letter dated  XXXX   XXXX ,  2017  wherein they claimed that I owed {$14000.00} to  XXXX . I disputed the accuracy of this claim because the account was paid in full according to our settlement agreement dated  XXXX   XXXX ,  2017 , and as per my letter dated  XXXX / XXXX / 2017  sent along with full payment of {$6700.00}. Their office, and  XXXX  tracking have both confirmed receipt of my full payment on  XXXX / XXXX / 2017 , and I have a copy of the deposited cashiers check. I had also requested in writing that they remove the now paid account and my personal information from their records and that they no longer contact me, or the other borrower, in exception for confirming that the account has been paid.     Their collection letter in which I 'm filing a complaint about came after my payment and written request, and I have received at leas t 1 m issed call with no voice message left from their office.     I sent my dispute letter in response to their letter dated  XXXX / XXXX / 17  to their office with all supporting documentation on  XXXX   XXXX ,    2017  via certified mail with return receipt requested.
Product: Debt collection

Lvnv Funding LLC attempted to collect a debt of {$1000.00} that I believe is incorrect. I have not received adequate information verification for this debt despite my requests. Please investigate and rectify this matter.
Product: Consumer Loan

Paypal flips your purchase to PayPal credit several times during the checkout process. If you miss XXXX of the clicks you use PayPalCredit without knowing it. 
I did this and got hit with {$2.00} minimum interest and {$5.00} late fee. I paid to get my account in good standing. 
When I called to request the charges be reversed I was told that they would not refund the {$2.00} interest ever and they could n't refund the {$5.00} late fee now because I paid it. 
So I paid a total of {$7.00} " interest '' for 2 months on a {$17.00} purchase. 

I think that this is predatory lending.
Product: Credit reporting or other personal consumer reports

My account withXXXXXXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

XXXX cancelled travel plans XXXX XXXX. They have received a refund from service providers for my cancelled trip. Failing to pass the refund along to me, instead apparently retaining the refund for their own benefit. Citibank contacted the merchants bank and was told I was refunded {$2900.00}. The full amount owed to me is $ XXXX have received XXXX dollars refunded, no credits or vouchers.The trip was paid in full XX/XX/2019. Citibank advised a letter was sent to me that I did not repsond to by XXXX XXXX. Therefore, Citibank is no longer able to dispute the charge. This is unfair and deceptive conduct. I received no letter or email. I paid for a service that was not provided/merchant unable to provide a service/services not rendered. I would not continue to be disputing if I received a refund. Citibank needs to stand up for there customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ XXXX only address that should show is : XXXX XXXX XXXX. 
XXXX, NJ XXXX
Product: Credit card

I opened a XXXX XXXX card at my local store. The card was commissioned through the First National Bank of Omaha. 

I had XXXX charges, XXXX from a company called XXXX XXXX XXXX XXXX XXXX  XXXX IL that I did not authorize. The charges occurred over a period of XXXX  months. I did not read the details of the transactions each month, but paid the bill each month. 

When I discovered the charges that I did not authorize, I filed a dispute with the credit card company. They said that I had bought an educational plan. I did not need this or buy this plan. I have XXXX outstanding disputes with the company. 

I filed case # XXXX and spent lots of time on the phone to have them credit my account for the XXXX charges. They did not credit the account. I closed the credit card. 

Now that I have learned of your agency, I decided to file a complaint
Product: Credit reporting, credit repair services, 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 as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$340000.00} XXXXXXXX XXXX XXXX Balance Owed : {$9800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2700.00}
Product: Mortgage

my mortgage was transfered from XXXX  XXXX  XXXX  to fay servicing in XXXX of this year. i started paying to fay services in XXXX and have mailed a check every month. not only did they say that they recieved no checks, but that XXXX XXXX XXXX  hadn't gotten any payment from them since XXXX of XXXX  to XXXX of XXXX, when fay servicing took over. all i have are these cancelled checks. 
I would like all of my checks to be deducted from whatever balance they say that i owe. and that they update my account. 
i have sent XXXX per month since XXXX of this year that is a total of XXXX i would like to see a balance sheet that reflects this. my wife and i are coming out of bancruptcey. 
and if fay wants a higher monthly amount, that is fine. we just want the amounts we've paid already to be taken into consideration..