23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/2022 a wired transfer of {$17000.00} from a Citibank savings account was unlawfully transferred to a XXXX XXXX. The bank was immediately notified in person and over the phone. A police report was then made with a complaint number of XXXX.Investigation remains in progress at this time and money remains unreturned.
Product: Debt collection

Professional Debt Collections agency has made threatening and harassing phone calls to me, my grandparents, my mother, my boyfriend mother, and my workplace ( the final straw ). They told each person they contacted the alleged " amount '' I owe ( {$1600.00} ).  Also, they asked for ways of contacting me. They even asked for certain spots in the area that I hang out in.This collections agency calls my phone 5 times ( minimum ) per day. So much that I can not even focus on my work. I even had to change my phone number because of this agency for a peace of mind. They also informed me of my other job and threatened to use it against me ( EXTORTION ). I'm contacting a lawyer as soon as possible. However, the time and hassle will interfere with my work-life and the alleged amount owed makes me wonder.. is it worth it. This is ridiculous and obscene.
Product: Debt collection

I contacted agency to pay debt. They made a settlement for the debt. They the reported debt as late and still owing a {$64.00} balance. I have tried contacting them when I explain what happen they hang up on me each time.
Product: Debt collection

AFNI debt collector for XXXX. AFNI have been threatening to send me to jail or sue me for a balance of {$840.00} that I dont owe the company in 2016. I have tried reaching out multiple times, along with disputing this through all three credit bureaus. I have not had any success with getting this debt removed from my credit. This debt does not belong to me, and I have no knowledge of this debt. Please assist with this issue.
Product: Credit reporting or other personal consumer reports

My personal information was used to obtain a student loan. Im not in school. I graduated from XXXX XXXX XXXX XXXX XXXX. I have not attended another university and do not plan on in the future. I have XXXX XXXX under XXXX XXXXXXXX XXXX only and no other accounts. I have not participated or contributed to any consumer accounts for a student loan. It has affected my ability to assess resources for my way of life.
Product: Debt collection

I keep getting a bill from convergent outsourcing inc saying i have a bill for XXXX but will go away for XXXX but i do not have this bill and would like them to take my name off of it and stop sending it. they also hung up on my husband 6 times and we tried to get them to remove it but they did not help just kept hanging up on us ...
Product: Debt collection

XXXX XXXX XXXX XXXX was called out to my townhouse, which is a rental, to work on the shower in my master bath ( XXXX and XXXX, my property management company, was XXXX XXXX XXXX 's contact for me ). Their invoice states that they worked on the " shower valve body - pipe mods '' and apparently gained access to the plumbing by breaking out the tile around the faucet. The work was billed at {$550.00}. The work was so shoddy that the tenant could not take a shower because it was leaking and the hole created when they broke out the tile around the faucet was so unnecessarily large there were open gaps around the shower faucet. In order to correct the problem, I had to hire another plumber ( XXXX XXXX XXXX XXXX who charged me {$340.00} ) to repair the faucet enough for the tenant to be able to use the shower. In XXXX XXXX ' statement they say " The customer ( myself ) had other person install valve and broke tile. Shower trim does not completely cover hole in tile. '' To keep water from leaking down behind the wall, we had to cover it with duct tape as a temporary fix. I tried calling XXXX XXXX XXXX at XXXX several times on XX/XX/21 and no one picked up so was unable to leave a message. I also tried emailing XXXX, provided my email, phone number and the invoice no. and asked that someone contact me regarding the work. I've never heard anything back from the company. The only contact has been recently from a creditor ( Recovery Solutions Group , LLC ) with a letter dated XX/XX/21 and then a phone call today, XX/XX/21 ( they left a message ). 

I don't believe this company should receive payment for such poor quality work.
Product: Mortgage

I missed my XXXX mortgage payment due to a family emergency, on XXXX XXXX within the grace period on my mortgage, I made a payment by phone for both the XXXX payment, the late fee for XXXX, the XXXX payment and an additional principal payment. I explained to the representative exactly what I was paying. Upon receiving my mortgage statement for the month of XXXX I learned that that the servicer had charged me a late fee for XXXX and had not made my principal payment instead they had placed that money in a suspense account, so I called them and told them about their mistake. Told them that they needed to reverse the late fee and apply it to principal as they had been directed to when I paid them and to be sure to back date it to the date the payment was made and to apply the money they had placed in a suspense account also on the date the payment was made. They have taken that money out of the suspense account and applied it to the principal as of XXXX XXXX, 2015, on XXXX XXXX reversed the late fee and applied it to the principal but did not make the effective date XXXX XXXX, so I am being charged interest for XXXX days that they had my money. I then sent them a letter regarding the continued billing error. On XXXX XXXX, I made my mortgage payment using their online payment option, I completed the form indicating that I was making the XXXX payment with an additional {$100.00} to be applied to my principal. I received my billing statement from them again, and this time they had placed my entire payment and principal in a suspense account and were showing that I was deliquent and still owe for XXXX and had charged me another late fee. I sent them another letter telling them that they needed to apply my payment as I had indicated that I was not deliquent and to reverse the late fee. I got a letter back from them stating they were investigating the matter and it could take some time. They have yet to correct XXXX 's mistake, or the mistakes made in XXXX, my XXXX payment has been made using their online service just like I did in XXXX, I indictated that I was making my regular payment plus {$100.00} additional to principal. They have placed that money in a suspense account and are charging me a late fee again, sending me notices that I am two months behind. I have also sent them a letter regarding this error, reminding them about the XXXX error they have not corrected and the XXXX errors they have not corrected. I have also been in contact with the actual owner of my mortgage who says he is trying to get them to correct the errors. This is now the XXXX month in a row, I am being reported XXXX days behind, and am accruing more interest everyday.
Product: Credit reporting or other personal consumer reports

Equifax is reporting old, outdated, and incorrect information on my report and I have reached out multiple times in the last year about all of these with no luck. My next steps will be a lawsuit on Equifax. All incorrect information is below. 

My name should appear as XXXX XXXX XXXX only. Other two names need to be removed Address for XXXX XXXX is incorrect and I never lived there. Needs to be removed XXXX XXXX Bank account - paid in collection as pay to delete. needs removed XXXX XXXX XXXX are incorrect and paid to delete through XXXX XXXX XXXX and they said they were not reporting any longer. Account needs removed XXXX XXXX - account is almost 7 years old and they are reporting the comments and information inaccurately. Asking to remove XXXX XXXX - status should be reported as paid XXXX XXXX account - this account was paid to delete and should be removed XXXX accounts- 11 accounts were discharged and forgiven as part of a lawsuit and should be removed immediately from my report XXXX XXXX 3 accounts were also part of the lawsuit and should be removed immediately. 
XXXX XXXX account- is incorrect balance should not read {$910.00} XXXX- this account is connected with XXXX and was paid to delete. needs to be removed XXXX bank - XXXX bought by XXXX funding and I am paying this, but should not be reporting twice since it was bought by XXXX. Please delete XXXX - paid to delete in collections. Take off report XXXX XXXX XXXX - account is way too old over 9 years, delete from report XXXX - paid to delete take off report All other credit bureaus have either followed suit for most of these and have accurate information or I am in the works of updating the accounts with them.
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 violates 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 card

I have several times been unable to verify my identity by phone ( e.g. when traveling ) after answering several " identity verification '' questions. This has happened with XXXX different credit card companies. I have checked my credit reports and scores and while there are minor errors, my scores are good and there is no evidence of identity theft. I was unable to verify my identity to get the credit reports, however, and had to go through a friend who made a business inquiry to get the report. I am at a loss as to what to do : I suspect this is inaccurate information on one of the credit bureau 's identity verification products but I have no idea - the credit card companies ( XXXX, Bank of America ) wo n't tell me even which product they use to verify my identity. What do I do?
Product: Credit card or prepaid card

On XX/XX/2019 I have made a purchase on XXXX as I do over hundreds of times a year : The payment was handled by XXXX as payment for merchandise : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX ( globalcoinlogistics ) Payment - {$32.00} However the Chase Credit card classified the transaction as cash advance and charged me not only a {$10.00} fee but confiscated the rewards points that I would get as result of it. 
Despite bringing this point to credit card I was told that the transaction was coded as cash advance and it doesn't matter that the reality is different. 
It appears that Chase doesn't feel it needs to protect consumers from unauthorized use but it aids and abets fraud as long it can profit from it. 

I have never used cash advance anywhere before I am completely surprised and shocked that Chase would be engaged in activities such as this.
Product: Debt collection

The collection from WAKEFIELD & ASSOCIATES is invalid. They are attempting to collect a debt that is not mine and have been unable to provide the supporting documentation and are violating the Fair Credit Reporting by providing information that is not correct. I have provided a identity theft report for supporting documentation as the company reporting has failed to support the billing that is erroneous.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX SSN # XXXX Date : XX/XX/XXXX Experian, Subject : Dispute Regarding Initial Notice Sent to Non-Mailable Address Account Name : XXXX XXXX XXXX  Account Number # : XXXX I am writing to dispute an entry on my consumer report concerning an initial notification from XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX. The initial notification was sent to a NON-MAILABLE ADDRESSS ( See Attached Exhibit A ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX, and as a result, I request its IMMEDIATE REMOVAL from my consumer report. I also filed out an FTC Report for Aggravated Identity Fraud against XXXX XXXX XXXX, XXXX for sharing my PERSONAL IDENTIFY INFORMATION with a Non-affiliated Experian, XXXX XXXX, and XXXX. ( see attached Exhibit B ) Notification of Negative Information : Section 623 ( a ) ( 7 ) requires that if negative information is provided to a CRA, the furnisher must notify the consumer of this information in writing within 30 days of reporting it. Sincerely, XXXX XXXX XXXX 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. 15 U.S. Code 1681i ( a ) ( 4 ) Consideration of consumer information in conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. 
Best Regards XXXX XXXX XXXX Immediate Removal and/or Deletion from all consumer reporting agencies. 15 U.S. Code 1692k - Civil liability U.S. Code Notes Remedy for monetary damages 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance 5 U.S.C. 1681i ( a ). Failure to conduct a reasonable reinvestigation violates the FCRA. 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S. Code 1681i ( a ) ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. XXXX XXXX : {$4000.00}
Product: Credit reporting or other personal consumer reports

My information was in a data breach and the law of 15 usc 1692 CC was broken
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting the same account twice from the original creditor and collection agency. " Double Jeopardy '' is a violation of the FRCA and I am entitled to monies for damages by XXXX and Equifax. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX is currently reporting a " charge-off '' on my credit report. According, to the information on my report, this trade line has been a charge off since XXXX 2008, and should be deleted from my credit report because it is now exceeded the 7 year statute of limitation.
Product: Debt collection

In XX/XX/XXXX a Wells Fargo account was opened in my name through identity theft. They sent a check that was fraudulently cashed XX/XX/XXXX. I found out about this account when my credit took a hit in XX/XX/XXXX. I had been a victim of identity theft and several creditors had allowed credit to be used in my name. My XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX account had all been used through Identity theft. All of the creditors I listed above aside from Wells Fargo have found all charges to be directly due to identity theft. I pleaded to Wells Fargo in XX/XX/XXXX to shut the account down immediately, yet they allowed it to stay open until XX/XX/XXXX. There have been several recorded phone calls them stating a phone number of which I could not identity was used to open the account. They also stated the voice used to open the account and the voice requesting the account to be shut down did not match. They were provided a police report, bank statements, a letter from the bank manager where this check was cashed stating that the account had been shut down due to fraudulent activity, and documentation of other creditors removing charges due to identity theft. Wells Fargo has contradicted themselves repeatedly. They stated from XXXX that they did in fact have a copy of my police report. Then in XXXX they claimed they had never received it. They have marked me as delinquent on the account even though the account was under investigation and they WOULD NOT take payment from me to save my credit while it was under investigation. Their mediation team would not establish payments to fix my credit because XXXX XXXX in the mediation department thought the account was fraudulent and they could not settle the account through mediation. Even though a department in Wells Fargo would not take payment, found the account to be fraudulent, the Fraud team will not keep the account removed from my credit report. After almost a year of fighting these fraudulent charges Wells Fargo marked the account as fraudulent due to identity theft, set the balance to zero, and closed the account. Several days later after they finally fixed their error they repost the balance and all derogatory remarks. They claim they have proof through voice recognition yet they are requiring a subpoena to share these recording even though they originally said the voices were not a match for opening the account and reporting the account as fraudulent. These phone call recordings is a two way street if they truly have copies of all the phone calls then there is recordings with them lying about having my police report, lying about the voices not matching, lying that they couldnt take payments, and lying that my credit wouldnt be effected while under investigation. The mediation team at Wells Fargo paid for credit monitoring serves for identity theft and a {$270.00} check as payment for my time. Yet they refuse to remove the fraudulent account from my credit report?
Product: Debt collection

This company reported a collection to my XXXX consumer report without ever notifying my about any alleged debt. This is a violation of the Fair Debt Collection Practices Act-Failure to notify, and failure to validate. I challenge any and all debt that this collector is attempting to collect.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. On two separate occasions, I mailed dispute letters to Experian via USPS certified mail, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The first letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/year>. 
The second letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/year>. 
In both responses, Experian stated : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.
Product: Credit reporting or other personal consumer reports

report # XXXX was given after filing with Experian about this account : XXXX XXXX XXXX  XXXX opened XX/XX/22 XXXX XXXX XXXX. XXXX, XXXX NAME Address City, State Zip Email Address 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card or prepaid card

Called into cfpb, this is not a duplicate, the other complaint was deleted, please proceed with this complaint. 

I placed an order for a new phone directly from XXXX on XX/XX/XXXX for the XXXX XXXX. On their website, it showed a trade in credit for {$200.00} for my XXXX  XXXX. I went ahead and placed my order and did financing through XXXX, which goes through TD Bank. The total cost of the XXXX minus trade in credit should have been {$520.00} ( {$720.00} MSRP ). Upon getting my email confirmation for the order, the trade-in credit only showed {$50.00}. At this point I called XXXX XX/XX/XXXX and talked with XXXX, he said that it was no issue, he would start an incident and that it should get fixed. XXXX told me to call back once I got the phone. On XX/XX/XXXX, I called XXXX and talked to XXXX who assured me that fix would get approved in the next 3-5 days from a supervisor. Called back on XX/XX/XXXX to ensure that this got approved before sending in my trade-in device and not being able to return the phone. They assured me that it would get approved and instructed me to send in the device. After watching my statements, no adjustments had been made. I called back on XX/XX/XXXX and they instructed me that they approved my claim on XX/XX/XXXX but it might take a month or two to show up. After checking my statement month after month, still no credit. Called on XX/XX/XXXX, they decided to deny my claim on XX/XX/XXXX, the representative told me to send in evidence again and it should get overturned. I complied and sent in again. At this point, I still have no received my credit and I tried to work through TD Bank to get this resolved. They have done no investigation beyond confirming the order and that the claim was denied. How can companies tell you that you will get a {$200.00} trade-in credit and confirm that it will get approved and then not do what you say you are going to do? I am now out my XXXX and a credit that was not as advertised.