23daVinci/CFPB_Complaints huggingface dataset:
Product: Other financial service

Identity theft and a large sum of money stolen from a company that I thought was helping with Student Loan Consolidation. 
On XX/XX/XXXX, I spoke to a representative from Student Loan Services about loan consolidation. They said that for an initial fee of {$350.00} and then XXXX for 3 months to follow and then no payment for a year. I agreed to it and went on with the process.I gave them my XXXX XXXX XXXX account information ( which is since closed ) In XX/XX/XXXX I noticed that there was a CA address on my credit report and a few other things that looked fishy so those were disputed. I then got an approval letter from XXXX XXXX saying that my loans were consolidated and that I could sign onto my online account.I then got locked out of my online account due to wrong spellings of names and wrong answers to security questions ( even though I was answering them with the right answers. ) I then called XXXX XXXX for help and they told me that Student Services was not a legit company.I also got communication from XXXX from Student Services in XX/XX/XXXX and he called me XXXX XXXX instead of XXXX which was already a red flag in my book. I am out a good sum of money and would like my money back from them. It is not fair that this had happened. 
Desired Settlement I would like my refund. 
Business Response Contact Name and Title : XXXX XXXX Contact Phone : XXXX Contact Email : XXXXXXXXXXXX To Whom It May Concern :
Product: Credit card or prepaid card

My credit score is in the XXXX XXXX. I charge something on my Capital One card every month, and pay it off every month, as I should. Over eight years my credit limit has increased up to {$12000.00} - wonderful, I worked hard to get that card from a {$300.00} limit up to {$12000.00}. Now, they lower my limit to just {$5000.00} because " I don't need that much. '' I have another Capital One card, with a better interest rate. I charge thousands and thousands on that card, and pay it off every single month. I have asked numerous times for a better interest rate on this card in question, they continue to deny it. That is why I do not use this card as much. 

Literally, decreased my credit score almost immediately with the loss of {$7700.00} available credit. I have never paid a single dime of interest on this card - because I pay it off every single month - and this is how I am treated? 

I called them and they said they have had lots of complaints but there is nothing they can do about it. I update my income with them every few months, voluntarily might I add. My income has not changed during COVID, if anything it increased now. There is no reason to punish me.
Product: Student loan

I attended XXXX-XXXX  XXXX, Ga from XX/XX/XXXX until XX/XX/XXXX. I feel that I was coerced, and misled in signing for student loans. I graduated with a {$40000.00} XXXX XXXX that no one really honored. I was never told about the amount until it was too late. They constantly called until I decided to attend. After about half way through the program, I wanted to quit because I felt I wasn't adequately being trained for real world job field situations. They constantly changed instructors, who allowed favored students to cheat, while others really studied. There were a couple of good instructors, but most were not. I continued with school because I didn't want a loan without the reward of a degree.
Product: Money transfer, virtual currency, or money service

I am submitting a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair business practices that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective action to prevent or resolve fraud on their platform, leaving my account exposed and unprotected. 

Additionally, their dispute resolution process was both unfair and deceptive, failing to meet the error resolution standards outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As a result, I have experienced significant inconvenience and financial loss, and I am seeking appropriate compensation and corrective action for these violations.
Product: Debt collection

I had paid debt collection XXXX on XX/XX/2023 amount {$110.00}. XXXX sold info to collection agency Jefferson Capital System XXXX XXXX XXXX. XXXX XXXX, mn XXXX. Contacted Jefferson several times number XXXX that needed letter sent me debt collection and that already paid debt XXXX Jefferson agency stated that never received payment XXXX XX/XX/2023. Due have reference from XXXX XXXX # XXXX. Also requested debt letter company stating payment owed never received one. Due that collection already paid XXXX XX/XX/2023.
Product: Debt collection

Please see attached detailed letter. I purchased an online coaching system for Realtors in 2019 from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. One of the options to pay for the coaching was to pay a third-party financer a certain amount per month over time. After some initial negative experience with the company, I cancelled within a time frame allowed in their contract. I was told I would have to work directly with the third party financer, not XXXX and XXXX XXXX XXXX XXXX. I reached the financer and was given by phone a prorated amount ( {$840.00} ) due for the contract on the day I tried to cancel the service ; however, the individual on the phone said they did not know how to provide me with a final invoice or billing for the service and said they would have to get back to me. I never received a call back so contacted them the next day. I received the same runaround, but unfortunately was told I owed a higher amount. This went on for several days without them providing me something in writing that showed I was closing out my service and would not owe further money, yet every day they were charging me a higher amount to close out my service. I did not ever receive any of the coaching services - per the letter attached as I called to cancel directly after inital account setup. My account was sent to collections 2 years later for the full service amount of {$3600.00}. The collections company had no interest in settling the debt for the {$840.00} - in fact they never went back to XXXX and XXXX XXXX XXXX XXXX XXXX with an offer to settle. Now I have a collections amount on my personal credit report for the full service amount of a service I did not use even though I did cancel the service within the time frame allowed by their contract.
Product: Checking or savings account

I am constantly being charged overdraft fees and having to pay back XXXX dollars each time I use my XXXX  program.
Product: Debt collection

The Complaint that I have is with Bank of America over the last 5 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with Bank Of America I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. They also to not show on my report the I dispute this account and this is all in volition of Fair Debt Collection Practices Act. They keep sending me a letter asking me to provide them more information. I do not have more information. I am asking them what they are reporting and why. they can not tell me.
Product: Debt collection

A man by XXXX XXXX emailed me form this e-mail ( XXXX ) Dear Customer, This is the last and final notification as we are going to proceed with the legal charges against you and you will be soon served with the court papers. If you really want to avoid the situation, we merely require you to contact us back to resolve the matter. 

Just in case we do not hear back from you within 48 hours, we will proceed further with the charges and we have the entire right to inform your employer about the situation, garnish your wages and freeze all your bank accounts. 

For any queries feel free to revert back. 

Manager Legal Department Collection Department Speedy Cash This is the initial email. I then replied that I have no such debt for I have not gotten a loan from the above company " Speedy Cash. '' And they continued to respond with a claim of a payday loan I never got or recieved. 

Dear Customer, We are representing Speedy Cash A Parental payday Loan company which owns and operates more than 350 online cash websites. 

Loan Amount : {$400.00} Total Outstanding Balance ( Due Amount ) : {$1500.00} ( Including Late Fee, Penalty, Affidavit Charges and Rate of Interest Charges. ) One Time Settlement Offer : 1 : {$500.00} ( if paid Today ). 

2 : {$800.00} ( If Paid Within This Week ) 3 : {$200.00} ( Biweekly Starting by today ) Consequences ( Further Legal Steps ) : 1 : Lawsuit Filed Under Several Sections. 

2 : Your Employer Will Be Informed.

3 : Credit Bureaus Will Be Notified So That It Could Be Reported To Your Credit.

4 : References Will Be Informed.

5 : A Day in Court. 

6 : Garnishment of Your Paycheck.

Mode of Payment ( If Settling Out Of Court Using One Time Settlement Offer ) : 1. XXXX XXXX XXXX XXXX Debit Card. 




Let us know whether you opt for one time settlement or payment arrangement for the whole amount so that the account can be updated. 

Since this loan account is very past due so we would appreciate it if you give this matter your earliest attention as this account has to be updated on an urgent basis to avoid legal action. 

For any queries or concerns, you can contact us. 

Regards. 

Manager. 

Speedy Cash. 

I then repeated that I have no loan of they type.
Product: Payday loan, title loan, or personal loan

after paying XXXX payments of XXXX the minimum amount requested by Green Sky on an interest free loan 24 installment loan. Green Sky decided to amortization the loan 5 days shy of 6 payment date XX/XX/XXXX ; 6 payment due XX/XX/XXXX there for changing the structured by contracted monthly payment amount. Gren Sky requested 6th payment on XX/XX/XXXX I made payment on XX/XX/XXXX. The company choose not to wait for 6th payment but sent out billing on XX/XX/XXXX. The did not put on XXXX bill proper amount paid of XXXX payment. 
Contact Green sky on 3 occasion trying to resolve matter. I was told each time a different story as to why increase XXXX to XXXX. On XX/XX/XXXX i was told by supervisor the account was amortized on XX/XX/XXXX. while on 3 way call with sister and green sky my sister questioned why on XX/XX/XXXX instead of XX/XX/XXXX after 6hth and also why is their amortization on a fixed interest free loan and why is the payment which is a 2 year interest free loan being changed when 24 month of XXXX to a higher amount XXXX which would them cause me to over pay the loan and their response was we would issue a refund after the loan was fully paid. 
Is it legal to amortization of a interest free loan? Is it legal to change to the condition of a loan? Is it legal to amortization after 6 months but before 6 months billing occurs? Is it legal to take advantage of senior citizens?
Product: Credit reporting or other personal consumer reports

I RECENTLY BEEN DENIED CREDIT BECAUSE OF THE FRIVOLOUS INFORMATION THATS REPORTING ON MY FILE. I REALLY DONT UNDERSTAND HOW ARE THESE ITEMS REPORTING WHEN INFACT THEY WERE NEVER TAKE OUT. IT IS MY RIGHT AS CONSUMER AND A CITIZEN TO FIGHTAND REACT TO ANY XXXX WAUTHORIZED INFORMATION REPORT ON MY FILE. I KNOW BY LAW THE CREDITOR HAS 30 DAYS TO RESPONSE ANY CLAIMS REGARDING THIS MATTER, BUT I AM GOING TO ASK THE BUREAU TO SPEED UP THIS PROCESS AND REMOVE THESE MISLEADING INFORMATION OFF MY REPORT BECAUSE ITS HURTING MY ABILITY TO OBTAIN CREDIT. THE FEDERAL TRADE COMMISSION WILL BE NOTIFIED IF THESE ITEM ARE NOT BE NOTIFIED IF THESE ITEM ARE NOT DELETED WHEN THE RESULTS COME IN YHE MAIL.

Thank you
Product: Checking or savings account

I am applying for a COVID-19 Relief Pennsylvania Statewide Small Business Assistance grant. In the process of " linking '' the bank ( XXXX XXXX  XXXX XXXX ) to which the application is submitted, I supplied information about my account so that the grant, if supplied, could be directly deposited to my PNC account. A message came up that claimed that PNC has altered their practices, that at least for now, preclude direct deposit funds. It was recommended that I note this problem so that the complaint may hasten the resolution of this issue so that it may corrected. 
This notification occurred today, XX/XX/2020.
Product: Credit card

I purchased a ring from XXXX in XXXX, UT, in XX/XX/XXXX, under the 60 month no interest plan through credit from XXXX Credit Card, which I was approved for. And was told that it would be about {$65.00} a month. My wife did not like it, so she found one that she liked that was cheaper. And we were told that even though it was cheaper, the price per month would be similar, or a little less on the 60 month plan. And that I would be notified by the credit card company in a few weeks. So, I get the bill from XXXX and it is for {$140.00} a month! So, I spoke with XXXX on or around XX/XX/XXXX from their customer service and he told me it was a mistake and they would see about getting it fixed, and to go ahead and pay the $ XXXX for the first month and they would work things out. So I had not heard back so I contacted them again today, XX/XX/XXXX about the issue today and they told me that since my ring purchase was less than {$3000.00}, that it could not fall under the plan. And that it fell under the 18 month plan. That is not what I was told by the store and that is not what XXXX from customer service told me. I spoke with XXXX from XXXX, and she said the only way to fix it through their legal dept. And they doubt that could happen. Basically, from my point of view I was sold something on a lie.
Product: Credit reporting or other personal consumer reports

Early Warning Services continues to share, posses & report my personal banking information without my verbal, written or non written consent after I have exercised my right to opt out. Early Warning Services says that my bank, XXXX XXXX XXXX XXXX, gave them authorization but XXXX XXXX promises to only share my personal banking information with their affiliates ( subsidiaries or other companies under common control ) and Early Warning Services is not under the control or even an subsidiary let alone an affiliate of XXXX. and this is a direct violation of my rights under the Privacy Act of 1974 and Title 15 U.S. Code 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX  ( Original Creditor : XXXX CITY OF XXXX XXXX XXXX Balance : {$290.00} TITAN RECEIVABLES , INC XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account XXXX : DEPT OF ED/XXXX XXXX XXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Personal information incorrect XXXX XXXX XXXX ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Correct Name : XXXX XXXX XXXX XXXX Incorrect Address information 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 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: Debt collection

Attached are the cease and desist letters, certified mail receipts, and USPS tracking which shows Midland Credit Management has received our request to remove our address from this debt and that it is not ours. In the most recent complaint response, the firm still did not indicate that the matter was dismissed nor that collection activities would stop as demanded in our multiple cease and desist to Midland Credit Management. It is clear they are not communicating to Midland Credit Management, or Midland Credit Management did not provide them these letters as demanded. 

XXXX, XXXX, & XXXX XXXX have threatened and opened lawsuits for a persons debt that does not belong to us. On XX/XX/year> we rejected a summons which we can only assume is a lawsuit. The debt for XXXX XXXX XXXX is not ours, not tied to either my social nor my husbands. Weve informed their debt collection agency, Midland Credit Management, of this over certified mail multiple times.
Product: Credit reporting or other personal consumer reports

I am so confused about your credit bureaus investigation on the account, that I am again writing this letter to dispute the fraudulent account on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent accounts on my reoprt and upon submission, XXXX and XXXX removed the said account on their records. 

I also contacted the company associated with this account and they said they have removed the account, so my question is : why are the account still reporting on your bureau? 

It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

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

In response to the recent XXXX security breach of 143 million customer records, I tried to take some precautionary steps by filing a 90 fraud alert with Transunion. Unfortunately, this process did not go smoothly. 

-First, a minor note : I usually try to use passwords that are 20-30 characters long to ensure maximum password entropy. They wo n't allow that, but also wo n't tell you " what '' the maximum is. I eventually got down to 10 before it went through. This is laughable security for a company that is supposed to be handling sensitive financial data. 

-Second : After answering a bunch of verification questions, it somehow was n't able to verify who I am, and told me to call. 

I called Transunion, navigated their daunting phone tree, and finally got to the point where I could setup a fraud alert that way. Unfortunately, what came next is where my complaint begins. In order to take reasonable security measures for something that is essentially THEIR fault, due to their shoddy data security practices ( see my first note as an example ), They force you to listen to a sales pitch. It 's a sales pitch for their overpriced monitoring services, which I have no need for. Furthermore, when you decline, it keeps going! It goes " are you sure? '' -- and then proceeds to give you another 2 minute long sales pitch that 's even more long winded and aggressive. I almost hung up on them, but then I 'd have to start all over later on. 

This is, quite frankly, appalling. Let me summarize. 

1. Credit reporting agencies drop the ball on data security.
2. Try to take precautions to protect your data and financial security 3. Forced to listen to not one, but two sales pitches before you can actually continue, for overpriced services that you can get from any card company that you do business with, for free.
This preys on the financially uninformed and those who are panicking due to a huge data breach. I imagine a lot of individuals would blindly sign up for this and then get billed monthly for something they do n't really need. Finally, it 's just inappropriate given the circumstances. It completely sets the wrong tone. 

Finally, I called Transunion back a few minutes later and spoke with a supervisor to issue a complaint and verify the alert was actually in place. He did verify it, but then tried to start a similar sales pitch near the end of the call! Absolutely ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, this is not a duplicate complaint and I am not using any thirds party for this matter. I'm sending this complaint due to new evidence. 
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXXXXXX XXXX XXXX. They did not provide me with the original application like I asked. 
Please correct my Credit Report on Transunion and this account must be deleted from my report - XXXX XXXX XXXX.
Product: Mortgage

The mortgage company, Roundpoint ( Loan Number XXXX XXXX, has failed to pay for the insurance fire policy that they are holding escrow funds for. 

This started on XX/XX/XXXX when my insurance agent, XXXX XXXX ( XXXX ) sent the invoice for payment. 

XXXX XXXX had the wrong loan number on the invoice. This was corrected by XXXX XXXX on XX/XX/XXXX. 

Roundpoint then mailed the payment to the wrong company. 

They were informed of this on XX/XX/XXXX. 

XXXX XXXX  contacted Roundpoint on XX/XX/XXXX and they were told a check was being overnight-ed for payment. Roundpoint also acknowledged that they sent the check to the wrong agency in error. 

XXXX XXXX  and XXXX XXXX contacted Roundpoint on XX/XX/XXXX. Roundpoint was told payment was due today and they needed to wire funds. They refused to wire funds.

It has been over a month trying to get the funds that do not even belong to Roundpoint to the insurance company.
Product: Credit reporting or other personal consumer reports

This company listed my account as a charge off causing my credit to go down XXXX pints when I was never late and paid on time. I wonder if this is a regular practice for them. This is unfair and should not ever be a problem again. I have proof I was never late in the sort time I had an account with them.
Product: Debt collection

Sav-it collection show a debt that they say # 1 they could n't reach me, and further, it was settled with the company for {$170.00}. The company was XXXX.