23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> CKS Prime Investments , LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Demand Regarding Alleged Debt Reference Number XXXX Dear CKS Prime Investments , LLC, I am writing to formally request that you immediately cease and desist all communication with me regarding the alleged debt referenced above. This includes, but is not limited to, phone calls, letters, emails, or any other form of communication. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I hereby notify you that I refuse to pay this alleged debt and request that you stop all further contact with me regarding this matter. Any further attempt to collect this debt, except as allowed by law, will be considered harassment and a violation of my rights under the FDCPA. 

Additionally, I request that you provide validation of the alleged debt in accordance with 15 U.S.C. 1692g, if you have not already done so. If you are unable to provide sufficient documentation proving the validity of this debt, you must cease all collection efforts immediately. 

Please note that failure to comply with this request may result in me taking legal action against your company, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

This letter serves as my formal notice to you. I expect written confirmation of your compliance with this request. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There appears to be an error in the reporting of an collections account with  XXXX   XXXX  on my credit report with No Balance and an  Open Status.   <P/> This is an error in reporting as per the FCRA and FDCPA guidelines.  <P/> Please remove the account immediately from my credit report.
Product: Debt collection

Vital Recovery Services has called me at least XXXX times. I spoke with a manager who informed me that the calls were in error and they were managed by basically a " robot ''. She promised my number would be removed. My number was not removed so I called again. I spoke with another person who assured me there was an error and that my number " was n't even on their books ''. I 'm still being called daily ( often twice daily ). This is disrupting my life and business since my phone is a critical part of my business as I 'm self employed. 
Vital Recovery Services- XXXX
Product: Mortgage

Our mortgage closed in mid XXXX. Property taxes were supposed to be paid as part of the closing. The taxes were not paid and are still owed. We called New American Taxes department twice in XXXX ( XXXX and XXXX ) and again today XXXX XXXX. The county treasurer verified taxes remain unpaid. The taxes owing at closing were about {$1000.00} and as of today the total taxes including XXXX is {$2100.00}. The county is asking us why this has not been paid timely. This goes on our records as a late bill.
Product: Debt or credit management

Trial submissions was canceled, confirmed that it was canceled and still taken from my account. 
I am not able to go in and see dispute information under the free portion
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files.XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$4000.00} XXXX XXXXXXXX. XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Telephone payment made via XXXX system. The system did not post the payment at the time payment made. I discovered this error made by XXXX payment system and notified XXXX XXXX. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error occurred at the time the payment was made. The telephone system provided by XXXX XXXX to consumers allowing the processing of payments is not infallible. XXXX to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...
Product: Bank account or service

I asked yesterday for Bank of America ML to make payments to XXXX credit cards ( XXXX and XXXX ) for {$500.00}. They show as being process in my on-line bill pay system on XX/XX/XXXX and yet they do n't show up on XX/XX/XXXX in either my account balance or account history. As such, these payments are not accurate reflecting my account balance and may over draft my account nor are they showing up as pending. I have overdraft protection but this payment to a bank card within a bank system is extremely misleading. Bank of America requests that customers use on line bill pay for services and ease of balance tracking. Please advise as to how BAML will create a system that accurately reflects all transactions made with bill pay and are accurately reflected in account history and pending transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian choose to disregard true information by not deleting a bankruptcy off of my report. I have proof that Experian is not doing their due diligence to rectify their fraudulent activity.
Product: Student loan

My federal student loan is serviced by MOHELA. Six months ago, I requested a forbearance because of unemployment. The process entailed filling out and submitting XXXX forms along with documentation of unemployment. I did so, and my request was denied. MOHELA wanted a different more documentation. I initially had trouble getting additional documentation, but eventually downloaded from the website of the Texas Workforce Commission ( TWC ) a Payment List Summary. This summary contains information about when and how much I was paid in unemployment benefits. It also indicated that I had received the maximum amount, and that was ineligible to receive additional benefits. XX/XX/XXXX, MOHELA informed me that my request was denied because I had not submitted the documentation with the XXXX forms. 

I submitted a new request XX/XX/XXXX with the XXXX forms and the documentation from TWC. On XX/XX/XXXX, I was informed by MOHELA that my request was denied because TWC document was not recent enough. When I called, I was told that I would also have to register with MOHELA 's Career Services. 

This pattern indicates to me that MOHELA is unwilling to approve my forbearance. If that 's the case, then I will be very frustrated and puzzled because I have continued to make payments despite being unemployed since XX/XX/XXXX. I have used my retirement funds to meet financial obligations while I have diligently sought employment. At this point, I would like help in trying to resolve this matter with MOHELA.
Product: Credit reporting or other personal consumer reports

I have no connection with the creditors listed in these inquiries, and they are not related to me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer Service and unfair 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX Balance : {$290.00} Chapter XXXX Bankruptcy XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company XXXX XXXX  has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidenceXXXX XXXX XXXX XXXXXXXX! XXXXXXXX XXXX
Product: Student loan

Heartland ESCI has been overcharging me for my monthly student loan payments, stating on my account that I 've been paying less. Thankfully this is a small loan, so my payments are n't much. But others with larger loans could be overcharged as well. My bank statements show I 've been paying them {$35.00} each month from XX/XX/XXXX untilXX/XX/XXXX, but Heartland 's website reports I 've been paying {$33.00} for statements of {$34.00} during this timeframe. They reported me as past due for an amount of {$1.00}. If I 've been paying {$35.00}, {$1.00} higher than the statement amount for a couple of months I should not be past due {$1.00}. If I continue paying {$35.00} every month for ten years I would be paying them {$120.00} more, and for what? The servicing fee is included in the {$34.00}. Something is off with this company.
Product: Credit card

A double payment was made to my credit card account in the amount of the outstanding balance resulting in a negative balance. The company was contacted to request refund of balance. I was originally quoted 14 business days for return of payment. After discussion, 3-5 business days was quoted if I could provide proof of the double payments clearing my bank account. Proof was sent within 1 hour of request and the fax was transmitted successfully. 5 business days later, I called and was told that the refund would be sent after 8 business days following the original request. After further questioning, the company agreed to expedite the process, approving payment within 24 to 48 hours ( from the call on the 5th business day ) plus 1 business day for transmittal of payment and then 3-5 business days for my bank to credit the refund. 
In all cases, this will result in refund beyond the requirement within the Truth in Lending Act ( specifically 12 CFR 226.11.a.2 ) to return excess payment WITHIN 7 business days. The credit card company quoted another regulation ( although could n't give me the specific code ) stating they have 7 business days to determine if a refund should be issued. If this is a different interpretation of the same federal code, I feel they are interpreting it incorrectly and to their financial advantage. 
They claim they need to verify the payment has cleared, however, there is a double standard that comes to light. They say they do n't know if the payment has cleared my bank account so they ca n't refund it yet. However, they have no problem showing the payment as credited to my credit card account, presumably before it has cleared my bank account. They ca n't have this both ways. Either it has cleared my bank account or not. If it has, they can credit my credit card account with the payment, if not, they must wait. Therefore, if it is credited to my credit card account, they should be able to issue a refund immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Product: Credit card or prepaid card

my son took his dog to the vet but i filled out the paper work cause he has trouble understanding things, they wanted to know if i wanted to fill our a credit card and i did but DID NOT TOLD THEM TO USE IT, its not my dog if it was my dog i would have paid cash, the next day i did not know it he went and picked up his dog, they told him he had to sign a papper to let her go he was not told he was signing for the card to be charged HE DID NOT HAVE MY PERMISSION or they did not call me to ok it, he did not know what he signed and they had no permission to charge it!!!! i never got a bill only found about it when i cheched my credit this only the thing on my file i always pay my bills before there due the card is syncb/care credit i have tried to talk to them but dont listen
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Balance : {$320.00} ; XXXX XXXX XXXX : {$510.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

My direct deposit from my employer was supposed to be available in my account yesterday ( XXXX ) however it is still not available today even and its currently almost XXXX. I called Capital One to see when my funds will be available and they dont give any answers about when I will get my direct deposit.
Product: Debt collection

They are calling my cell phone and work number every hour to 15 minutes ...
Product: Consumer Loan

This is an official complaint on BMW Financial Services XXXX XXXX. Approximately around the month of XXXX 2014 I traded in a XXXX Lease at the XXXX XXXX BMW dealership. Upon communication between these two institutions XXXX dealerships ) it appears that the payoff amount gathered was incorrect and grossly miscalculated. The amount supplied by XXXX XXXX XXXX to BMW Financial was short approximately {$6500.00}. At the time of the transaction taking place none of this information was disclosed to me as these XXXX entities communicated with each other accordingly as their processes are internal within the financial departments. Therefore, due to their lack of accuracy and efficiency I have an outstanding delinquent amount due that is being reported on my credit. I have made numerous attempts with the credit reporting agencies, along with numerous communications with both dealerships XXXX XXXX XXXX & BMW Financial XXXX to no avail. This is seriously placing a blemish on my credit report and as a business owner this is also inhibiting future growth and expansion. 
Your prompt attention to the severity of this complaint would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance XXXX {$330.00} ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I filed a new complaint that was closed for no reason. AGAIN, I received " RESTRICTED '' calls from a representative from " XXXX XXXX '', XXXX XXXX he stated as his name. I asked for his I.D./identification # and he refused to disclose. XXXX, then proceeded to discriminated against Me when I asked to speak with his supervisor about this allege debt. I asked for a remedy, in which I want a full " REFUND '' with the rights to the SECURITY INTEREST AS WELL! CFR, T.I.L.A.U.S.Code provides that remedy for Me as the Natural person, Consumer! XXXX XXXX continued to provide false, misleading, misrepresentation and denied Me validation of that debt! Which is another UNITED STATES CODE VIOLATION! He use of obscene and offensive language. I am damage emotionally, physically, financially, and XXXX I have loss place of abode and transportation. And again, another violation. the Penalty is {$10000.00} XXXX fine and could be up t0 20 years in prison for these crimes XXXX XXXX has violated.
Product: Credit reporting or other personal consumer reports

BANK OF AMERICA regarding account number XXXX, which is being reported to the credit reporting agencies XXXX, XXXX, and XXXX as a Charge-Off. After reviewing my credit report, I have identified that the information reported regarding this account is inaccurate and does not reflect the actual status of the debt. 
In accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681s2, information furnishers are required to report only accurate and truthful information. However, the account in question is not being reported correctly. Specifically, I have noticed the following discrepancies : Account # : Different dates reported by each credit reporting agency XXXX : No reported XXXX : XXXX XXXX : No reported High Balance : Different account status reported by each credit reporting agency : XXXX : No reported XXXX XXXX No reported XXXX : {$5000.00} Date of Last verified : Different dates reported by each credit reporting agency :. XXXX XXXX XXXX XXXX XX/XX/XXXX Date of Last Activity : Different dates reported by each credit reporting agency : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Date Reported : Different dates reported by each credit reporting agency : XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX Closed Date : Different dates reported by each credit reporting agency : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Payment Amount : Different payment status reported by each credit reporting agency : XXXX : No reported XXXX : No reported XXXX : {$0.00} Last Payment : Different dates reported by each credit reporting agency : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Two year payment history : Different dates reported by each credit reporting agency. 
XXXX : XXXX  XXXX : No reported since XX/XX/XXXX XXXX : None reported You, BANK OF AMERICA have furnished this account as a charge-off, you are in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681. 
You BANK OF AMERICA are a furnisher of information and are prohibited by law from reporting inaccurate information. 
15 U.S. Code 1681 - Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting 15 U.S.C. 1681e ( b ) Accuracy of Report 15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies.

15 U.S.C. 1681s-2 ( b ) - Reporting Information After Notice and Confirmation of Errors
Product: Debt collection

On XX/XX/2015 reliable credit associat Claimed that I owe them {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my credit report. These inquiries have hurt my credit trmemdously, also causinf me a lot of XXXX XXXX. Please investigate why these fraudulent accounts are popping on my credit profile. There's one from XXXX XXXX that dropped my score a lot. This is not fair.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B it is illegal to report information on my credit without my permission please remove this immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was behind and I tried to make a payment plan with a debt consolidation company IN XX/XX/XXXX OR XX/XX/XXXX. XXXX XXXX REFUSED THIS OFFER and XX/XX/XXXX FIVE YEARS AGO my account was CHARGED OFF. This is still on my credit report and is causing me a lot of issues. With XXXXl XXXX REFUSING TO HELP ME PAY MY DEBT this needs to be removed immediately since it is over 5 YEARS OLD. TAKE THIS OFF OF MY CREDIT REPORT IMMEDIATELY.