23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX/XXXX/XXXX, I received a letter from Capital Accounts for a previously settled balance on a XXXX bill from XXXX. I responded in writing that I was disputing the balance on XXXX/XXXX/XXXX by certified mail ( USPS ). By my records, the account had been settled in full on XXXX/XXXX/XXXX after four months of payments directly to the provider. On XXXX/XXXX/XXXX I received correspondence from Capital Accounts again stating that I had not made satisfactory payment arrangements and that they would be reporting my account to the national credit bureaus. I immediately began investigating further and found in my SPAM email a correspondence from the provider dated XXXX/XXXX/XXXX with a bill attached. This is the final bill that I had never received. I immediately responded to XXXX at XXXX by email offering my apologies for the misunderstanding and explaining that his email had been sent to Junk ( it had no subject line and my filters caught it and sent it through SPAM ). I also went online and paid the balance ( XXXX ) via XXXX online payment portal. I have copies of all correspondence and the electronic receipt from my payment in full dated XXXX/XXXX/XXXX. However, on XXXX/XXXX/XXXX I received another correspondence from Capital Accounts with an itemization of services and balance remaining of {$110.00} with a request for me to respond promptly to avoid further interest charges from accruing. 

This is now twice that I have attempted to pay the balance on my account with no written confirmation of payment in full from the medical provider. This is negatively affecting my credit as this was reported to the credit agencies. I want this removed from my credit report because I have made all good faith attempts to resolve this issue. The people from Capital Accounts are threatening, rude, and nasty and do not care that I have made the payment in full and no longer owe their client any money. At this point, I feel harassed by Capital Accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to properly investigate and fix an error on my credit report. I contacted the company on 3 separate occasions beginning on XX/XX/2020 providing verification of inaccurate information and each time they failed to investigate and fix the error within a timely manner. The confirmation numbers are as follows : XXXX, XXXX, XXXX.
Product: Debt collection

The documents asked to support this debt has not been provided as this debt is not mine.
Product: Credit card or prepaid card

I received a My Vanilla prepaid debit card in the mail that I did not order. It was in my name and to my address but I did not order it. I have already reported this to My Vanilla. They have cancelled the card and started a case, # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, According the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX 15 U.S. Code 1681 : This states I have a right to privacy.

15 U.S. Code 1681s2 : This states a consumer reporting agency can not furnish a account without my written instructions.

Source : 15 U.S. Code 1681- Congressional findings and statement of purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Product: Checking or savings account

I have accounts in bank of the west and this bank accidentaly, or purposely change the amount that i wrote on check {$20.00} to {$200.00} and right away franchise tax board sweeped my accounts that falsely credited by bank, and after that bank got there was a mistake happened, overdrown my account, and dont accept responsibility of their mistake.
Product: Checking or savings account

On XX/XX/XXXX, I called in TDBank for support for disputing a charge. Call attendant said to called again at another time when charge gets posted officially, refusing to help to dispute charge or leave instructions to dispute later, requiring me to call again. 

On XX/XX/XXXX, called in twice, both call attendants refusing to help. On first called, the call attendant refused to help after 5 questions of authentication and refused to get me help, wasted 20 minutes. On second call after an hour of wait, attendant said the account is locked and refused to help on my charge dispute. 
There's no consumer protection at TDBank to help dispute erroneous charges. There's a setup to deter and discourage customer complaints. 

For three calls in total, a strange run-around setup and can't get anything done. 
Please provide heavy fines for this corrupt institution. Do not use TDBank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened student loans when I was XXXX years old in 2003. I have since paid all my student loans. I originally noticed student loan company 's had the balances incorrect. I disputed the balances and they were all adjusted to {$0.00}. As I started applying for my mortgage, I learned there is another person attached to my credit report. This man social, addresses, work history and other people information are on my credit report. As I got denied for credit cards because of my payment history of my student loans. I began to investigate and realized. XXXX  XXXX is not reporting correctly. I asked for the debt to validated, I have not received that information. I also sent in information to the three credit bureaus, of the person student loans coming to my address. The same man who social, addresses and work history that blends with my credit report. I believe all the late payment XXXX is claiming I made are untrue. All my student loans are paid off and I want to go back to school. I am being denied at every turn for 14 yr old loans. The delinquencies, the remarks, are ruining my life. I need these off my credit report. I believe there were times when collections of my monies, were reported as missed when they were n't. I believe there may have been computer/debit issues, when I would make a payment. I believe some months my payment was n't late, I was in a deferred period. There is even proof of another person info being blended with mines on my credit report. I have proof of his student loan bills coming to my old address. There could have been times payments made may not have been applied properly.
Product: Credit card

the card has not been used, but a {$64.00} has been added. I have not given them permission to change me for the monthly mentoring fee
Product: Credit card

I trying to call the guy about this to capital one but they dont seem just didnt never seem to personally concerned about it. I am not able to reach anything but a chatbot. My card was charged XX/XX/XXXX XXXX Purchase - {$1100.00} XX/XX/XXXX XXXX XXXX - {$1300.00} XX/XX/XXXX XXXX XXXX - {$2400.00} I've started using this card less and checking it less but I was going to send the money to my brokerage to buy stocks then I see the money is not there and these XXXX purchases are not anything to do with me. {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I just logged on to my XXXX  Credit File and noticed a few Inquiries that I do not recognize and would like removed. FCRA states I have the right to proper credit reporting. 

Here are the following inquiries that need to be removed ... 

XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX BK OF AMER Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you ...
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, Account number : XXXX Account name : XXXX XXXX, Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX CO XXXX Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX, Account Number : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

I have reached out to this company 4 times in the past XXXX months about validating XXXX debts that are showing on my credit report. There has been no response from this company what so ever. I will attach my fourth letter.
Product: Credit card or prepaid card

On or about XX/XX/2019 I paid my Synchrony car care bill online ($28.00) through my Bank of America account.  On XX/XX/2019 I received an email from Synchrony indicating that they had not received my payment and my first thought was “XXXX” because I knew that I made the payment online.  I went home and logged into my account and discovered that I posted the payment to another one of my Synchrony account and I immediately called Synchrony and spoke to XXXX.  She informed me that she was able to transfer the payment to my car care account and that the late fee would automatically be waived because they could tell when the payment was made.  On XX/XX/2019 and XX/XX/2019 I received additional emails indicating that my payment was still past due.  Today (XX/XX/2019) I logged into mysynchrony online account to find out the amount of my XX/XX/XXXX payment and that is when I noticed that it indicated my payment was showing past due in red and once again I called and spoke to XXXX.  XXXX  told me that the payment was not transferred even though XXXX  told me that my payment was being transferred.  I told her that I did not have any faith in Synchrony and had problems with them in the past and was fearful that they would report this information to the credit bureaus erroneously.  I also told her that if it was not fixed today that I would file a complaint with the regulatory agencies because Synchrony has received my payment on time and is now playing games and harassing me about making an additional payment for $XXXX. At that point XXXX told me that she was going to transfer my call to a supervisor to get it fixed for me today and placed my call on hold.  A gentleman answered and stated that he was from Lowe’s and could not assist me and the call was terminated.
Product: Credit reporting

I am submitting a complaint regarding 2 tax liens that are showing on my Equifax credit report. I did not know the source of their information on the liens and due to this Equifax violated the Fair Credit Reporting Act. in addition both liens are " PAID, AND ORDERED CANCELLED FROM RECORD '' from the Georgia Department of Revenue. I have submitted court documents affirming this to Equifax and they have refused to remove the liens, despite court order. I have previously disputed the liens with Equifax 3 times but they have not removed them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed several complaints about XXXX XXXX XXXX XXXX complaint # XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. ALL OF MY COMPLAINTS have been CLOSED and nothing has been resolved! 

I never made any late payments, XXXX XXXX has not provided me proof that the payments they show as late ever happened, and yet continues reporting a late payment history on my account. I need your assistance correcting this error. NO LATE PAYMENTS WERE MADE! ALLY MUST fix this error immediately as they are causing my score to be low and my extensions of credits are being offered at high rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an Email from Experain.com that I have a collection On my credit when I Check my credit profile I seen the inaccurate Account on my files that I did not Authorize I had This issue in the past. I thought it was over, now I'm noticing someone is trying to open knew Accounts using my personal Information please put a block on my credit where if someone pulls my credit i would have to be notified.
Product: Checking or savings account

Dave prepaid debit card is creating false transactions. I had XXXX XXXX transactions back to back. Where it overdraft my account. I called XXXX they stated they had no record of the transactions to dispute with my bank. I contacted them right away and they disputed the charge. It has been a month with no resolution or no credit. This is not the first time where my transactions didnt match up to what my balance was suppose to be and no record or the transaction or where or why the money was taken. This is not a very safe place to keep reoccurring deposits. Someone needs to investigate because there is scandalous things being done. They are rude to their customers when they are at fault.
Product: Student loan

I have been told by XXXX XXXX XXXX, that I was given a Parent Plus loan in the amount of XXXX by Navient for my son 's college. I have letters from XXXX XXXX for XXXX and XXXX denying me the loan due to information on my credit report. I was told by Navient as I entered the time I was able to start paying back my loans that I should consolidate first. So I did that. I have been in repayment for almost a year under the public service payment plan as I am a XXXX XXXX XXXX. Due to the parent plus loan being consolidated I can not qualify for a payment I can afford. Each time I call someone they tell me to call someone else. I have always been prepared to repay my loan but now it is close to 178,000 because of interest and me being in forbearance for so long. I want to continue making payments but I ca n't afford the XXXX per month, I am a XXXX! I did not qualify for the parent loan. I have letters proving that from XXXX XXXX. How did that loan go through. I feel it was deceptive practice and I need resolution so I can afford my monthly payments.
Product: Money transfer, virtual currency, or money service

I dont trust putting my banking information in certain websites so I looked into cashapp as alternative way to transfer my money in from my bank and make purchases online. XXXX website/app that Ive been making purchases from my cashapp account is called XXXX. Its not an ordinary buy item site/app. Its like a raffle site for items or the race ducks. So lets say you see a {$1000.00} XXXX card and you dont want to fork over {$1000.00}. The seller on the site will add spots or ducks in his store and the race takes place whenever it sells out. Over the last XXXX months Ive bought into many different items which have yet to take place. Totaling over XXXX XXXX dollars. Recently I received an email out of the blue the stated my account with this company Ive been paying with cashapp has deleted my account. Every purchase order Ive made with them up to this date was gone. I lost access to my account completely. I attempted to contact this company multiple times but got nowhere. I got nothing I bought into and I got no refunds. These races havent taken place but over the months Ive made friends with many of the sellers on the platform who have all told me my orders have vanished. After several failed attempts to get my money back from them I turned to cashapp. I disputed some of the charges but didnt go back more than XXXX  days. There were many transactions upward of XXXX that I disputed with cashapp because I never received a refund nor did they uphold there part of the bargain as my account and orders were all deleted. I waited a day and received an email from cashapp that said my account had been deactivated and I quite manual review of your dispute and account information has confirmed that this dispute was fraudulent or false. As a result, we have concluded that your disputed transaction amount was authorized and that no error occurred. You can reach out to XXXX for the documents we relied on to make this determination at any time. EVERY DISPUTE WAS DENIED!! So I reached out to cashapp on the phone and they were rude and didnt give me any details. Ive got proof that each purchase was definitely authorized by me but the company failed to provide me with anything in return. They scammed me and cashapp scammed me too by not charging back and helping to get my funds that were stolen from me. Not only are they rude but they are no help to their customers who have valid reasons for reaching out to them. Im considering having my attorney take this on due to cashapp falsifying details and closing my account for no reason other than being lazy and not wanting to do their job. Cashapp thinks they can do and say whatever they want to say to customers without being held accountable. No one governs them. They need to be governed by an agency who takes these things seriously.
Product: Credit reporting or other personal consumer reports

There are several accounts that need to be deleted off my account that are reported incorrectly and have the wrong information.

15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 ( 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 INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency my WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.
Product: Credit card or prepaid card

On XX/XX/2020 my bill for XXXX dollars did not go through when it was auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage or other credit card because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my transition, Equifax and XXXX credit report, and it showed in accurate unauthorized inquiries from the companies list below, that I did not authorize they do not belong to me,, I understand that under the fcra section 604 a can not put a hard inquiry on my credit report authorization without my written authorization or consent I wrote changing Equifax and XXXX XXXX XXXX and requested for them to remove These in accurate heart inquiries more than 30 days ago and have not received any response or relief. HARD FROM XXXX XXXX, XXXX XXXX XXXX XXXX, Unauthorized inquiries from experience, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, hard on authorize increase from equifax- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been affirmed that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
( Original Creditor : XXXX XXXX ) XXXX Balance : {$39000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1000.00}
Product: Money transfer, virtual currency, or money service

On XXXX, on Plastiq company website ( https : //www.plastiq.com ), I submitted a payment request of {$890.00} to my mortgage XXXX  ( XXXX ) XXXX to pay my monthly mortgage balance due. That amount, with {$26.00} processing fees, totaling of $ XXXX charged on my credit card ending in XXXX. However, Plastiq never delivered the payment. I followed up with XXXX mortgage team multiple times, and they confirmed they never received the check, therefore, my mortgage account never got credited. 

When I reached out to Plastiq support team and asked for evidence that the check has been endorsed by XXXX XXXX, Plastiq can not provide this evidence. They only shared an image of the check that has the front populated by some generic information, the the back of the check image is empty, no endorsement at all. 

I've been creating tickets and asking Plastiq to re-send the payment or refund the money to me. However, they refused to do so and never gave me a direct answer about the inquiries. 

They used to have online real-person support within the web portal, but recently switched to ticket-only support, which makes the communications even more difficult. 

I appreciate the CFPB platform and really hope I could get help from the CFPB team to get my money back or have them fulfill the service. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

1. My attachment will reflect my dates of inaccuracies 2. illegal showing of my Transaction history 3. Personal information shared without consent 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 Reporting of late payments or transaction history are illegal 15 U.S. Code 1681 ( A ) Your consumer report should not include transactions or experiences, my line of credit and payment history are a record of transactions which is a clear violation of 15 U.S.C 1681 ( A ) ( 2 ) i EXCLUSIONS.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Mortgage

Bank  of America purchased ho meowners insurance for my property even though I had homeowners insurance and sent them the information on numerous occasions. I sent Bank  XXXX   XXXX  proof of insurance on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX . Even though I have kept sending them information about the homeowners insurance they are claiming that its not adequate information. In  XXXX   XXXX , they sold my loan to  XXXX   XXXX   XXXX  (  XXXX  ). Upon selling   XXXX   claimed I owned them the money in the amount of  XXXX  for my homeowners insurance even though I had proof that I had uninterrupted coverage. Neither company will help me rectify this issue and I am currently incurring late charges for not paying the amount  XXXX  set for an escrow account for homeowners insurance that I already have.