23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I moved out of XXXX XXXX at XXXX XXXX, in XXXX Texas, on XXXX XXXX, 2017 having provided proper notice, etc. The final bill arrived on XXXX17, about the same time a letter from a collection agency arrived ( collection agency was the following Tuesday ). The final bill was for my final utilities and such. The problem started, as mentioned, when a letter from a collection company, came just days later. The apartment complex states that if the final bill is not paid within 30 days, it 's automatically sent to collections. The final bill shows that it was n't prepared until XXXX XXXX, 2017. Then, apparently they did n't mail the letter for a week or longer so by the time it reached me, my 'grace period ' had already lapsed and it is in collections. I contacted the former complex and worked out a couple of charges I did n't believe were fair, over the course of a week. Meanwhile, I contacted the collection agency and disputed the amount and told them that I had just received the bill and was going to pay it, but to the apartments. XXXX XXXX at XXXX XXXX, told me today, that since it 's in collections, I must pay the collection agency. I do n't want this on my credit and I have told both parties that I intend to pay but I did n't have any time to pay it before it was sent to collections.
Product: Mortgage

My wife would like to pay down on the principle on our mortgage. She wants to speak with someone in Mortgage at XXXX ( XXXX ) directly. Please bare with me in explaining my problem. XXXX has an XXXX number that when used by the caller ask for SS # or checking account number. Here is the problem. My wife doesn't ( and I mean literally doesn't ) know our checking account number, neither does she know the password to the account. This is all factual, She doesn't know it. My wife hates internet banking, and prefers to pay her bills over the phone or pay creditors by mail. All we are asking is that XXXX provide a direct phone number to their mortgage department. A supervisor by the name of XXXX said that XXXX has no direct number to their mortgage department. I asked her to repeat that, and she did. It is hard to believe that this bank wouldn't have a telephone number per their mortgage department. If we are successful in a getting a number to mortgage, my wife will provide her name, her Social Security number, the address of the home, the name of the second name on the mortgage and the last four digits of my Social Security number. From there she would like to give the account number of her bank and the routing number of her bank for which she would like have money withdrawn from and forwarded to XXXX towards our mortgage. Again having the phone number XXXX mortgage is all we're asking... thank you
Product: Debt collection

First and foremost as the natural living man born from natural living people I am enforcing my rights as a consumer. Southwest Credit Systems continues to furnish Incorrect and inaccurate information to the consumer reporting agencies. Southwest Credit Systems has sent me documentation violating 15 USC 1692 b saying I owe a debt. Simply put I have never giving Southwest Credit Systems any verbal or written permission. I have not given my consent and by definition without consent it is considered identity theft if a company uses my ssn without my written permission. This company has committed fraud by retrieving my personal information from another company that I did not give permission to. This company is deliberately undermining my personal private information. I dispute and disagree with any allegations I owe Southwest Credit Systems or any other company debt and I am putting Southwest Credit Systems on official notice of their wrongdoing and want to be compensated for their fraudulent actions and violations According to 15 USC 1692b and 15 USC 1692c. If Southwest Credit Systems believes I have contracted with them I demand proof showing that I granted their company permission and the right to furnish Incorrect inaccurate information on my report according to 15 USC 1681 b2.This company has damaged me with its inaccurate reporting and I have been denied such opportunities to obtain a car home and other opportunities for my family due to their negligent inaccurate incorrect reporting. Therefore I demand Southwest Credit Systems to cease and desist and delete their report on my Consumer Report. If Southwest Credit Systems believes I have contracted with them I demand proof showing that I granted their company permission in writing to furnish my information according to 15 USC 1681 b2. As the original creditor and consumer I demand a senior executive of Southwest Credit Systems to provide a notarized affidavit saying I granted their company my written permission contracting with them. If they will not provide that information I want that report to be deleted from my consumer Report and I want to be compensated for their violations of the FDCPA, FCRA and the US codes mentioned above. If they will not comply I will proceed in federal court as well.
Product: Vehicle loan or lease

I am writing to the CFPB for assistance in removing a 30 day late payment that XXXX XXXX XXXX XXXX reported to the credit bureaus in XX/XX/XXXX. The refusal of XXXX XXXX/XXXX XXXX XXXX XXXX to remove this one late payment has literally destroyed my previous long history of outstanding credit. It has also crippled me in being able to obtain any new credit. 

In XX/XX/XXXX, my Mother-In-Law was diagnosed with XXXX and had to XXXX XXXXXXXX and other treatments. I was her XXXX  for over a month. Due to this unexpected event, I overlooked being late on my Ford Credit car lease payment. When I realized that I had forgotten to make the payment, I had slipped into being 30 days past due. Ford Credit immediately reported this to the 3 credit bureaus and my XXXX credit score plummeted 100 points overnight. 

I wrote a good faith request letter to Ford Credit on XX/XX/XXXX. In the letter, I explained my unfortunate circumstance with my Mother-In-Law and the fact that I had been a loyal customer to them for the past 10 years, and 3 consecutive car leases, with no late payment issues. I received a response back from them on XX/XX/XXXX refusing to remove the late payment. The letter said that the " reported information accurately reflects our experience with your account. '' Once again, this could be no further from the truth given my 10 year history with them. 

After I received this response, I decided to reach out to the General Manager over the dealership where I had leased my last 3 consecutive XXXX vehicles. The GM agreed to try and provide assistance. After spending several weeks trying to work with Ford Credit on the removal, he was instructed to tell my husband and me that Ford Credit could not remove the late payment because " the Consumer Financial Protection Bureau rules prevented them from being allowed to remove it from my report. '' The GM confirmed the name of your organization in his e-mail exchange with me. 

Ford Credit 's stance is very hard to believe since the CFPB is in place to protect consumers. In addition, there is something inherently wrong with a credit bureau system that would allow a consumer like me to be penalized 100 points on a credit score for one 30 day late payment, especially given the tragic event that was the reason for the late payment. This is certainly not a true reflection of my credit worthiness. 

I would like to appeal to the CFPB to help me to correct this issue since Ford Credit has used the CFPB as the reason why my late payment information was not allowed to be removed in good faith.
Product: Credit reporting or other personal consumer reports

Without my consent, the company did these inquiries, and I don't have any knowledge about them. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX  XXXX  XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I needed a new card from cash app. I was having issues getting one ordered on the app. I reached out to the support team. I was told to upload personal info to verify my address. I did this 3 times before I got contacted back with a case number XXXX. Its been two months no card no contact. I contact them again they are asking for my personal info again. Its too risky to keep sending that. Then I was told they are looking into it. Still no card. Still asking to verify my info. They have my personal info where I can be located its a scam just to take my identity. I have screenshots of the convo
Product: Money transfer, virtual currency, or money service

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

My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair CreditReporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian, XXXX and XXXX XXXXonsumer credit bureaus. I would like the following fraudulent accounts removed from my credit report immediately. 

XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX 15 U.S.C1681 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 an account without my handwritten instructions.
Product: Credit reporting or other personal consumer reports

I am experiencing issues with incorrect information being reported to the credit bureaus. Despite my attempts to resolve the problem, the credit bureau has not taken any action to correct it, and it has now been more than 30 days. 

I have attached the documentation showing the inaccuracies. The records display different open dates and active statuses, with some accounts marked as open and others listed as closed. 

XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Account : XXXX Account Name : XXXX XXXX I am in receipt of your letter claiming that I owe your company for a debt. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act,15 USC 1692g stating your claim is disputed and validation is requested.

I have to date received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. If you are unable to provide me with the proper proof then you must stop attempting to collect this alleged debt and remove it immediately from my consumer report. 
If you continue to claim I owe a alleged debt that you can not confirm with proof ( original alleged contract bearing my signature ) then you will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

You have committed the following FDCPA Violations : 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have thirty ( 30 ) days from receipt of this notice to respond, during which time all collection activity must cease and desist. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my consumer report ( s ) in error and that this matter is permanently closed. Provide the proof, or remove this alleged debt from all sources to which you have reported it.

Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a print out or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ).

Lastly, please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

If I don't get proper documentation I will be filing my complaint at : XXXX and XXXX And https : XXXX Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My name is XXXX. I am a XXXX  at the XXXX XXXX of the University XXXX XXXX. I was born in XXXX and have filed tax returns for many years with my US issued Social Security number. I have had bank accounts at XXXX XXXX  ( now XXXX ) and XXXX XXXX XXXX. Today, I tried opening a CD account with Marcus by Goldman Sachs on XX/XX/20, and my application was declined because their system could not verify my identity. I spoke with a supervisor named XXXX who proceeded to explain that Marcus will not take my money because its system can not prove that I am who I say I am. I provided my social security number and every other piece of information for which they asked, so I do not know how it is possible that my identity can not be authenticated. I offered to provide XXXX more information to prove my identity such as a scanned photo of my passport, driver 's license, and my current bank account information. She refused. I am very disappointed and have never come across an issue like this before : a bank rejects the money of a perfectly contributing, tax paying American citizen who is a student at one of the nation 's top universities. The fact that their system could not verify my identity in public or private records indicates that their system is either flawed or pulling information from the wrong records. In either case, it's detrimental to the consumer. My mother is a XXXX XXXX at one of the largest bank 's and was baffled by this situation. Marcus and Goldman Sachs need to review their policies and procedures and address situations that lead to ridiculous outcomes such as the one today.
Product: Debt collection

I hired centery debit settlement service because I couldnt catch up my debit so far so good until it came to XXXX XXXX Card from 2016 they made a settlement offer I approved it and then received a document from a law firm referring to me as the defendant and they may realse a judgment and lein i have never been served or taken to court and have no judgment or lein that I can find any records of the document will falsely incriminate me so they can sue Ive tried to contact centery many times by email and phone and they will not even discuss the subject the phone number the law firm is a automated payment line the document is completely false I have more documents than I can upload let me know if you need more look at lines 6 and 7 and signature page all false And no one will return my calls on this matter
Product: Prepaid card

Money Network managers the debit cards for Employment Development Department of California payments. They refuse to try to help me figure out where {$1500.00} they transferred in funds in one transaction, that does not match any other bank transactions. I believe someone fraudulently hacked my account and transferred the money. Money Network will not give the bank account number the debit funds were transferred to, but all other funds have gone only my bank account ending in XXXX. I am at a loss as to how to try to recover the funds.
Product: Credit card or prepaid card

I would like file a complaint with Barclaycard bank last week I made payment to the bank online as I always do however I made 2 payment on the same card so I placed a call to Barclaycard bank to see if I could get one of the two payment transferred but I went Thur XXXX to even make that happen and never did get the payment transfer so XXXX Barclaycard bank went and decreased my credit limited for no reason that is really really poor business im Trying all my heart to pay these XXXX up in full and not use there card again with take my business some place else if I didnt think I would ruin my credit I would pay them up in full and not even do business with them got alert on my credit report today they were very quick to report to the reporting agencies now I ask barclay I dont really give a rats XXXX about the descrease I have paid that card down to XXXX and XXXX bucks and will be payin that up here very very very soon but Barclaycard needs to report that that balance is not correct XXXX XXXX XXXX bank
Product: Credit card or prepaid card

I currently have fraud on my Saks Mastercard account and upon contacting Saks i felt as if i was a criminal on my own account, i spent over 30 minutes on a phone call to report fraud to be interrogated as if i committed the fraud myself. I am completely beyond shocked at this type of experience. Then to be asked security questions that are public record to report fraud was an even more ridiculous question i was asked. I have no idea what Capital One thinks they are doing here but they need to remove these charges off my account. Then to have the nerve to tell me it takes two cycles to issue a temporary credit for FRAUD and have to make payments towards the fraud charges until they complete the investigation are you KIDDING me???? NO, capital one needs to remove these fraud charges off my account ASAP. FRAUD IS FRAUD my credit card was stolen along with many others and i want these charges removed immediately.
Product: Credit reporting

XXXX Card on account for 11 years XXXX XXXX on account for 11 years both accounts expired need to be removed as per timeline of the reporting law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a dispute letter to the 3 credit bureaus to do a proper investigation for the all the incorrect or incomplete information in my credit file..On XX/XX/2022 I received a return receipt USPS for Equifax XXXX On XX/XX/2022 I received a return receipt for XXXX and on XX/XX/XXXX a return receipt for XXXX. XXXX, XXXX and Equifax did not do a proper investigation according to FCRA and 15 US Code - 1681.I have uploaded my disputed items for inaccurate or incomplete information .This is in violation of my consumer rights.
Product: Credit card or prepaid card

In XX/XX/2022 I made a purchase at IKEA for the amount of {$5400.00}, at the time of the purchase I made an application for an " IKEAProjekt '' credit card managed by COMENITY CAPITAL BANK, which was approved with a credit of {$18000.00}. Even though I set up an automatic payment from the beginning, Comenity didn't apply it. for which I had to reestablish it on several occasions, in which sometimes they applied it at the beginning only once or twice. they finally reported me to the credit bureau, damaging my credit, also lowering the credit card limit from {$18000.00} to {$2000.00} and they are applying an inexplicable amount of interest and fees even though the terms of the account is for 24 months without interest.
Product: Debt collection

I have a Visa credit card with Bank of America. Recently, I missed one payment due to a lack of funds. One week later, a friend of mine received a call from Bank of America asking him to relay a message to me. The bank never contacted me directly via phone, mail, or email. This friend is not associated with my account, and we do not speak regularly. 

Upon learning about this call, I contacted Bank of America for an explanation. I was informed that my account was in collections due to being one week late on a payment. I have never missed a payment in the past, although I have been paying the minimum amount each month. When I requested to speak with the collections department, I was told they were unavailable as it was a Saturday at XXXX XXXX 

I am extremely concerned about how my friend 's contact information was obtained and used by Bank of America, and why my account was placed in collections after only one week of a missed payment. This situation has caused me significant distress and I seek a thorough investigation and resolution.
Product: Credit reporting or other personal consumer reports

On my credit report from both XXXX and XXXX it says I have a 30 days late payment on my Discover Credit Card from XX/XX/XXXX. I disputed the late payment ( with XXXX and XXXX ) because on my bank statement I have a payment to the card on XX/XX/XXXX. ( My payment date each month is the XXXX. ) This means my card would've only been 16 days late, not XXXX. Both agencies rejected my dispute. They then referred me to Discover to ask them to change it but Discover stated to me that I can't dispute it through them and I have to go back through the ratings agencies. On top of this the PDF of the dispute XXXX gave me was extremely hard to understand and was XXXX pages long, while XXXX didn't even give me a file to review. Lastly, during XX/XX/XXXX I was switching banks and was starting a new job at the time which is the reasoning for the payment being slightly late in the first place.
Product: Debt collection

On XX/XX/XXXX I was contacted by a credit agency stated that I had owed an account by XXXX  and it was proceeding to a court date as I will be sued for non payment. I paid the full amount of {$1400.00} to the by my credit court thinking that I was in trouble with court obligations. I received all documents of the payment and statement provided by them but what I found odd was that my signature was not proper on the line. I then reported the possible scam to my credit card company but they didnt refund the amount. I received a letter on XX/XX/XXXX by another creditor called convergent saying I owed {$240.00}. I called them to let them know I already paid way over the amount due but they stated that they never received payment and that the company I paid wasnt their company. My bank refuses to refund the payment so iam filing a possible scam as pictures can be provided.
Product: Checking or savings account

TransUinion is charging for a free service with deceptive practices and needs to be stopped. We have 3 major credit agencies. With Identity theft we have the right to access these systems free of charge!! I never gave permission for any of these companies to even have my information!!! TransUnion hides behind a free credit report and then charges you money!
Product: Credit reporting or other personal consumer reports

I had a paid monitoring service through Experian. I decided to cancel the subscription. And though I was charged XXXX on XX/XX/XXXX, once i requested the cancellation, instead of then letting the prepaid subscription continue our until the end, Experian not only cancelled my subscription, but refuse to credit me back for the prepaid remaining days. I then contacted XXXX who gave me a temporary credit and ultimately granted me the refund. 
Experian then lowered my Experian score from XXXX to XXXX. I have always paid my bills and am also a homeowner of two homes. The lowering of my Experian score was done with malicious intent. It was only lowered after I cancelled the subscription.