23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX placed a derogatory collection account on my XXXX  and XXXX credit reports on XX/XX/XXXX and XX/XX/XXXX. The collection agency has not provided me with written dunning notification of this alleged debt within the 5 day timeframe mandated by FDCPA section 809 ( b ). Without prior notification I was not given the opportunity to have the debt verified nor validated as belonging to me. As a result of the reporting, my credit scores with both bureaus suffered a 20 point drop at a time when I was in the process of completing applications for new credit. I subsequently filed a dispute online directly with XXXX on XX/XX/XXXX citing No knowledge of this account. 
The account is listed as follows on XXXX  : XXXX XXXX   XXXX ACCOUNT DETAILS Account Name XXXX XXXX   Account # XXXX Original Creditor XXXX XXXX Company Sold - Account Type Collection Department / Agency / Attorney Date Opened XX/XX/XXXX Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$650.00} Balance Updated XX/XX/XXXX Original Balance XXXX XXXX   Monthly Payment - Past Due Amount {$650.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX FP XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX collections
Product: Checking or savings account

I opened an online account with citibank and made my initial deposits with XXXX XXXX money orders. The checks have cleared but access to my account has been frozen. The initial deposit was made on XX/XX/XXXX. The bank is now demanding copies of the checks even after they have cleared. I sent a tracked package with notarized copies of said documentation. They have yet to even acknowledge receipt of paperwork, even tho I have confirmation of delivery on XX/XX/XXXX. I have called over 10 times and spent multiple hours on the phone trying to rectify the situation. I am not allowed to even talk to the department involved in the hold. Today ( XX/XX/XXXX ) I was informed that I would need to send the documents again, even though I have confirmation of receipt of delivery.
Product: Mortgage

as per phone call re:XXXX Plus : 1.Extension of Loan to 46years without stating the correct principal balance put me in an awkward position. 

2.LOAN number is the same for both loans except during a verbal inquiry they referenced court agreement in XX/XX/2012 ; there is no such agreement as per my attorney on record.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # ( LISTED BELOW ), 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. 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. I didn't say that's its incorrect. I asked to remove it because I'm a small business owner and my vendors have dropped me because of this.. now remove the accounts or I'll sue for violation of my rights under the constitution!!!!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX- {$1200.00} This account was created unauthorized and fraudulently XXXX governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies
Product: Debt collection

I requested complete validation of the alleged debt. The letter I received from the collection agency did not include any information which validated the debt. 

I asked for : A detailed breakdown of any fees including all collection costs and medical charges as well as a copy of my signature with the provider of service to release my medical information.
Product: Credit card or prepaid card

TD Bank I opened a secured credit card with TD bank with a {$600.00} deposit I received the card I used {$640.00} on the car XXXX paid the card off the XXXX {$640.00} all the purchases that I made had posted and was paid which was the entire {$640.00} TD bank though still have the purchases showing as pending and posted and are hold my full amount of available credit of {$600.00} until the pending balance which has already posted falls off I this isn't right especially because this is a secured card if I make my full payment that full payment amount is supposed to be available to me. But because I'm a XXXX individual they are doing this if I was a race of another XXXX I wouldn't receive this treatment they're always locking my card and wouldn't make my credit available to me.
Product: Debt collection

Original creditor is XXXX XXXX XXXX. Amount balance is {$680.00} for a credit card from that I have never opened and it is currently in collections. I seen the email that was involved when I contacted Resurgent capital services, and seen that it belongs to my ex. Therefore I have never knew of this account nor received the card or used the amount on it. I was working and living in XXXX XXXX working in XXXX at XXXX. The address they provided was the address of my ex girlfriend and I wasn't living at the address. Need this removed and off my consumer report as it is effecting my credit profile and having a lot of difficulties applying for multiple things. I never authorized this credit hard nor ever received any information of sort. Please and thank you. I need this to be removed ASAP off my consumer report as it is showing on my XXXX credit profile. Each attempt of dispute I make they are saying that it is verified.
Product: Credit reporting or other personal consumer reports

I have received notification back from the Bankruptcy Court. They informed me that they do not provide Information to third parties, and that Under the Privacy Law of XXXX and the opt out Law states that any authorization that they believe that there is no longer and it needs to be removed Immediately. I did not consent nor give permission. If they said i did i do opt out. This was discharged on XXXX XXXX.
Product: Mortgage

I turned XXXX last year. My property taxes froze and I sent XXXX XXXX XXXX this information. They recalculated my mortgage and reduced my payments. However, the calculation was in error resulting in a $ 12,000+ escrow shortage and double mortgage payments in XXXX and XXXX of this year. I have made up the shortage as soon as I knew exactly what the full amount was. I expected my payments to go back to the recalculated amount for XXXX and XXXX since I immediately made up the shortage ( at unexpected expense to me ). However, BBVA is telling me I must still pay the double payments until year end because the recalculation was already done and they " will just start fresh in XXXX ''. this is NOT acceptable. This wasn't my mistake and I made it right. Now I need AT least XXXX back to the recalculated amount or the difference placed in back in my escrow account.
Product: Debt collection

Portfolio Recovery Services has been attempting to collect a debt I am not even certain that I owe to THEM. 
They have called family members, and left personal information in the voicemails, as well as having nasty rude, impolite comments made. 
One lady told my XXXX yr old sister that I don't even live with, if SHE didn't give them a means to reach me, they would pursue legal action against her as well.. that may result in her being sentenced to jail time. 

I have had it. They know the proper course to take, all of my personal accounts have ALWAYS requested and optioned in for EMAIL me as my preferred contact method. 

Too many scam / con artists attempting to collect personal information, they don't give you any information about a debt unless you give up your own information first. NEVER GOING TO HAPPEN.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulatio
n E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Experian has my employer as XXXX XXXX, XXXX, XXXX. I have not worked there since XXXX. I have disputed this at least XXXX times. I have worked for XXXX different entities of XXXX XXXX  XXXX XXXX  since XXXX XXXX, XXXX ( XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These 2 accounts & 2 inquiries are not mine : XXXX XXXX : {$2100.00} - XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX : {$1900.00} - XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I have no knowledge of this debt collector that is reporting on my XXXX  credit profile. I have asked them numerous of times to provide me with the purchase agreement for this alleged collections and they have failed to do so numerous times. I have been harrased on numerous occasions by this debt company and I have advised them to stop all contact with me and my family. This collections has been removed in the past and it keeps being added to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Am trying to buy a house, I realize I have damaged reports in my credit. 15 u.s.c 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account.
Product: Prepaid card

My name is XXXX XXXX XXXX writing a complaint about US bank reliacard disupte prepaid services.Back in XXXX I was a victim of a crime ( robbery and aggravated assault ) and marked a victim of identity theft.i had {$5300.00} fraudulently removed from my ohio US bank XXXX fraudulent people stole my Social, birth, ID, CREDIT AND DEBIT CARDS.They utilized and had access to everything, information was also breached and on dark web.i filed disputes, ( DISPUTE ID XXXX XXXX ), AND FROZE credit.In XXXX XXXX I pressed charges and XXXX XXXX XXXX XXXXXXXX XXXX  of these crimes ( XXXX XXXX XXXX ), ( XXXX XXXX ), he was pretending to be me and use my social and ID to verify cards and change everything. 
Victim : XXXX XXXX XXXX I handled this LEGALLY with the JUDGE and XXXX got XXXX 4 years in in XXXX just don't have my money back from my dispute XXXX provided this company with my FTC REPORT, police report, court indictment papers for XXXX proving that i XXXX XXXX has press charges . 

THIS FRAUD THAT I AM NOT LIABLE FOR HAS CAUSED A FINANCIAL HARDSHIP, I AM NOW IN A HOMLESS SHELTER BEFORE WINTER.CAN I GET THIS HANDLED PLEASE.
Product: Student loan

I am currently a post class member with sweet vs cardona borrowers defense. I have asked to not be in forbearance to continue to get credit for XXXX if my applications is not approved and they refuse to put me back on my XXXX plan. There is a lot of misinformation and no one seems to know how to help with the loan servicing company. 
My school ( XXXX  ) is owned by XXXX and i strongly request that a group discharge be consider XXXX for their fraudulent recruiting and business tactics that many students fell prey too.
Product: Bank account or service

PNC hit my PNC checking account for XXXX overdraft fees ( {$36.00} each ) and inaccurately disclosed my account activity and balance to me. I use their on-line services to check my balances. I electronically transfer funds between several checking accounts to make sure that I have enough money in my account to cover my checks. If I am at a grocery store or a restaurant and plan to pay with my debit card, I electronically transfer money from one checking account to another and the money is there for immediate use. On the evening of XXXX XXXX I had a positive balance. However I transferred {$65.00} into one of my checking accounts ( ending in XXXX ) because I knew that I had XXXX checks that were going to come in soon. Additionally I knew that I on XXXX XXXX I would be getting a direct deposit to my checking account ( ending in XXXX ) Additionally I when I make a deposit in a branch at the tellers line I CONSTANTLY ask the tellers to confirm that " If a debit hits my account the same day as a cash deposit, will I incur an overdraft fee? '' The answer is 'no fees will be applied '. I 've included XXXX attachments to support my claim. At no time did PNC report a negative balance to me on the on-line tool that they provide to me. 
I 've attached a screen shot from my on-line screen. Clearly shows enough money to cover my debts. Also shows that they overdrafted me with a positive balance of $ .XXXX.PNC has been sued before for their Overdraft policies and activities and I 've received XXXX very small settlement checks from the settlement fund. Apparently they have poor business practices with their overdraft activity.They continue to abuse me.
Product: Payday loan, title loan, or personal loan

I have had XXXX issues with Mosaic XXXX XXXX XXXX that I believe are predatory and unethical practices. Mosaic has had XXXX complaints of a similar nature to the XXXX in the last XXXX years. 

**** ( XXXX ) XXXX XXXX Mosaic XXXX XXXX XXXX XXXX, AZ XXXX First issue -- I was sold Solar by XXXX XXXX in Colorado for an apartment building I owned at XXXX XXXX XXXX, XXXX CO XXXX XXXX After solidifying the order they recommended Mosaic Solar as the financing company. My payment was as expected for a while. Soon I received notice that because my loan balance hadn't fallen below a certain amount, my payment would increase to $ XXXX -- this despite me paying every payment on time for the last XXXX months per the contract ( via autopay ). Over the course of the last XXXX years I have paid only {$2700.00} in principal. I was never informed that I would need to make any additional payments ( on top of my regular installment payments ), nor that if I didn't make additional payments I would also have a greatly increased payment. I tried to contact both XXXX XXXX and Mosaic XXXX. I was able to reach XXXX XXXX but they informed me they could not help. It was nearly impossible to get anyone on the phone for Mosaic other than a call center associate. 

Second Issue-I went to refinance my property where I had installed solar. Mosaic had put a lien on my property despite the fact that the loan was on the equipment. This incorrectly clouded title nearly prohibiting my refinance from going through. I had to hire a lawyer spending over {$3000.00} to get my mortgage company to agree to the refinance. My lawyer described the lien as barely legal and certainly unethical. It was nearly impossible to get someone on the phone at Mosaic until I retained a lawyer. 

I believe this company is unethical and predatory and should be held accountable. 

Thank you for your time and consideration XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Received notification via an app that I use for credit monitoring on XX/XX/2024 that an inquiry had been made on XX/XX/2024 via Barclay 's for a JetBlue Credit Card. Rec 'd e-mail from Barclay 's on the same date and rec 'd telephone call regarding application status on morning of XX/XX/2024. I did not answer the call, and returned the call back at XXXX. I provided minimal information to the representative I spoke to and informed him that the inquiry and application were fraudulent. Representative insisted that he was unable to verify my identity without me providing my Social Security number verbally, which I was unwilling to do given that the inquiry/application were fraudulent. 

Confirmed hard inquiry on my XXXX credit report. Called XXXX  when I found that there was not an option to dispute the inquiry on their website. Representative informed me that the process for inquiry dispute requires a letter from the company ( Barclay 's ) stating that the app/inquiry was fraudulent. I am unable to obtain this documentation since Barclay 's wound not provide any info without SS being provided. XXXX  stated that I needed to complete a report on FTC.gov and forward to them to have the inquiry removed. FTC.gov re-directed me here.
Product: Checking or savings account

On XX/XX/year>, I initiated a XXXX transaction with Truist, my bank, in order to pay rent on an apartment I am renting in XXXX. I've done many XXXX transactions over the years. The transaction was for {$380.00}. 

The transaction was flagged for some reason, and I was instructed to call the bank, which I did. Several times. 

On the first call, I was on hold for over XXXX minutes. On the second call, the rep told me that she needed to send me a text message but that her system was down. When it finally came back up, she claimed to have sent me the text message, but I never received it. I received other text messages during the call, so the problem was indeed with their system. 

Apparently, you only get one shot to " verify '' via text message, and there is no other " verification '' alternative other than walking into a local branch, which was suggested to me FOUR TIMES even after I made clear I was out of the country. 

I finally spoke to a " manager '' a woman by the name XXXX XXXX. She reiterated that my ONLY alternative was to walk into a local branch -- again after I told her I was out of the country. Apparently, when there is one attempt to " verify '' an account, there can be no others. Or something. Who knows? This is " company policy. '' So, as a glutton for punishment, I called my local branch in XXXX, Florida, hoping someone there might be interested in cutting this XXXX knot. Whoever answered the phone at the local branch was actively hostile to the idea of helping someone over the phone. 

It appears there is no solution. Which is absurd. 

In the meantime, online access to my account has been irretrievably locked, and my bank has no process or procedure to unlock it. I AM OUT OF THE COUNTRY and need access to my banking information. I can pay my landlord by alternative means, but I need online banking while I am out of the country. 

This is a simple problem to solve.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumers 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX continue to allege they did a reasonable investigation to prove that the bankruptcy they are reporting is accurate. Since you did an investigation you should have evidence to prove your claim for validation. Neither consumer agency provided this information to me for me to examine to see if this information is indeed fact.
Product: Credit card or prepaid card

I signed up for a credit card on XX/XX/23 because there was an offer for 0 % interest for 1 year including balance transfers. After this not being available on my account, i was told to wait and keep checking. on XX/XX/23, i spoke to a supervisor from Capital One who told me that there was no balance transfer offer and even though it may have shown that it was part of the offer- Capital One has the discretion to decide who gets balance transfer. This was the only reason i signed up for the card.
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 XXXX XXXX XXXX. 
Account name XXXX : # XXXX, Account name XXXX : # XXXX, Account name XXXX  : XXXX, Account name XXXX : # XXXX Account Name XXXX  # XXXX, Account Name XXXX  # 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: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX