23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got an email from XXXX I will attach it to this complaint for review it says make a payment of {$350.00} before XXXX XXXX or it will be reported 30 days late. No problem I made the payment on XX/XX/XXXX at XXXXXXXX XXXX I will attach the receipt. Now I got alert from the credit burus that bridgecrest reported this loan 30 days late because of {$39.00} past due but thats not what they wrote in the email I paid them what they ask for actually a little over. This is not right I want them to reverse this because they lied to me in the email.
Product: Debt collection

XXXX is a third party vendor whom before XX/XX/2018 was associated with reporting to Transunion bankruptcies on credit reports. I am not a customer or consumer of XXXX and do not wish to be contacted via email or disclose my personal information to them, I have no association with XXXX and they do not have the right to have my personal information social security number, etc. XXXX is reporting false information to Transunion which is against the Fair Credit Act. XXXX and Transunion dismissed their professional relationship on XX/XX/2018. My identity is verified through Transunion whom is a credit agency with the Credit Bureau. Transunion needs to delete the bankruptcy off of my credit report.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was alarmed to see unauthorized inquiries that I can not explain. I regularly monitor my credit report, but this time, there were unexpected discrepancies that came out of nowhere. I even tried refreshing my browser to see if it was just a technical issue, but the unauthorized inquiries remained. This situation has left me deeply concerned, and I am urgently requesting a thorough review of the documents I've sent so I can finally have peace of mind.
Product: Credit card

Cap ital one cl osed  XXXX  of my accounts because I 'm visually impaire d. Fraud  took place on  XXXX  of my cards by a care giver. I constantly calle d Capital One to ask  what was going on and the moment I told them I relied on their information about my accounts because I was unable to see, all  XXXX  of my accounts where closed. I believe this is not only unfair but illegal.
Product: Debt collection

Received a notice prior to garnishment for a debt that is the wrong amount. Much of the debt that they are attempting to collect on using garnishment, is past the statute of limitations for collection.
Product: Credit card

On XX/XX/, I initiated a balance transfer offer with Barclays Card US to pay off the remainder of my personal vehicle loan with XXXX XXXX XXXX  ( XXXX ). At the time I had a {$0.00} balance with Barclays on a revolving credit line of {$10000.00}. I requested {$5000.00} be transferred, as this was the projected payoff amount of my loan as of XXXX. I chose this date to ensure there would be enough time to process the transfer of funds. 

For this amount, I was assessed a balance transfer fee of {$200.00} ( 4 % ). The total amount I was to owe Barclays was {$5200.00}. 

The following week, I received a letter in the mail from Barclays stating that they " could not process '' my balance transfer request due to " insufficient funds. '' Upon reading further, the letter stated that a balance transfer of XXXX XXXX XXXX was attempted and rejected. This was obviously their error as all of my confirmations and documentation within the Barclays website reflected the correct request of {$5000.00}. 

On Tuesday, XXXX XXXX XXXX ( later due to the holiday ), I once again initiated a balance transfer to pay off my car loan at XXXX ; however, at this time, due to daily accrued interest my payoff had increased to {$5000.00}. This greater amount also triggered a higher balance transfer fee of {$200.00} for a total of {$5200.00}. 

This amount is {$8.00} more and I was financially penalized by Barclay 's error in processing my initial request. On XXXX XXXX I called into the Barclay 's Customer Service number at XXXX to inform them of this problem and request a courtesy credit in the amount of {$8.00}. I only wanted to be made " whole. '' While the initial representative acknowledged that there was an error, she claimed she could not make any adjustments to the account. 

Upon my request, I was transferred to a supervisor named " XXXX '' during this same call. When XXXX learned of the situation, she laughed at the absurd amount of the initial balance transfer and assured me she would apply a credit of {$8.00} to my account and I would see this reflect on my account in XXXX10 business days. I was satisfied and considered the matter settled. 

Unfortunately, the credit never appeared in my account. On XX/XX/XXXX, I contacted Barclays through their internal messaging on their website to inquire about the missing credit. They apparently misunderstood my question and replied with an unhelpful and unrelated answer. 

I tried again on XXXX XXXX and exchanged a series of messages with more unhelpful and unrelated canned replies and was advised that they didn't have a record of the {$8.00} credit and are " unable to further assist. '' This is unacceptable and I shouldn't have to work this hard to correct an error obviously made by Barclays in erroneously trying to process it for over a XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XXXX XXXX XXXX Venmo froze my account. After providing requested documents to verify my identity I was informed that my account would be permanently frozen and the funds in the account would be held for up to 180 days for loss prevention and I would get an email should these funds become available. On XX/XX/ I got the email saying I would be able to transfer my funds ( {$250.00} ) out of Venmo using their standard bank transfer option. There was no bank account linked to my Venmo account so I needed to add a bank before I could transfer the funds. I am not able to successfully link my bank account due to the status of my account according to Venmo. I have called Venmo 20-30 times since I got the email on XX/XX/XXXX saying my funds were able to be transferred. I was asked to send pictures of my ID again and a recent bank statement for the bank account that I was trying to add. Which I did immediately. However just like every other phone call with Venmo concludes I am just told they will have to escalate my issue to an account specialist and they will get back to me by email in 7-10 business days. So far the emails I get in response to this issue are unrelated and do not resolve the problem. In fact some of them are identical to the email I got in XXXX explaining that my account is frozen and my funds will be held for up to 180 days. So Im really just going through the same process over and over getting nowhere. I have even asked to just close my account and they can mail me a check but I am told that due to the status of my account that is not an option. I have been transferred to a supervisor at Venmo only 2 times but they just repeat the same info and tell me to wait 7-10 business days for an email.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I have a late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on date of XX/XX/23. Please investigate and provide proof with statements showing this payment was late. If proof can't be provided I demand this payment be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Product: Debt collection

On Monday, XX/XX/2019, a representative from XXXX XXXX   contacted my husband and gave him the details of my account. She told him I was 5 months behind and told him I owed over {$3000.00}. When my husband called me to tell about the call, he gave me the telephone number and extension that the XXXX Representative gave him. I, immediately, called the number and a Ms. XXXX answered the telephone at XXXX. Ms. XXXX asked for my name and telephone number, which I gave to her. I, then, told Ms. XXXX that XXXX had violated my rights under the Fair Debt Collection Practices Act by, not only contacting my relative, but by discussing my account and my debt with a relative was illegal. Ms. XXXX made a sound that resembled a chuckle and told me she would need more information from me in order to discuss my account. I told Ms. XXXX I did not call to discuss my account but I did call to let her know I am going to sue XXXX for sharing my information with a relative without my permission. I also told Ms. XXXX to never call my husband again. I, then, disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts on my credit report that do not belong to me I have sent out multiple letters to the bureaus as well as the furnishers on these accounts and they are not willing to help me or to open an investigation These accounts were never authorized or used by me I have no such cards in my posession and I dont know what these accounts are for or how they ended up in my credit report. 

XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$5200.00} XXXX CARD - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$7300.00}
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA XXXX XXXX. XXXX, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I CONTACTED SUNRISE CREDIT SERVICES BY PHONE AT ( XXXX ) XXXX ON XX/XX/XXXX AND MADE A PAYMENT BY PHONE WITH A REPRESENTATIVE BUT BEFORE MAKING THE PAYMENT THE REPRESENTATIVE TOLD ME THAT THIS ACCOUNT WOULD BE DELETED OFF MY CREDIT REPORT ONCE I PAID THE ACCOUNT. SO I PAID THE ACCOUNT TO XXXX BALANCE AND REPRESENTATIVE PROVIDED ME THE CONFIRMATION # XXXX ITS BEEN 1 YEAR AND THE ACCOUNT IS STILL REFLECTING ON MY CREDIT REPORT. I DISPUTED THIS ACCOUNT WITH XXXX BY FAX ON XX/XX/XXXX EXPLANING THAT I PAID THE ACCOUNT AND SUNRISE CREDIT AGREED TO HAVE THE ACCOUNT DELETED OFF MY CREDIT REPORT AND THE RESULTS CAME BACK THAT SUNRISE CREDIT VERIFIED THE ACCOUNT AND SHOULD REMAIN ON MY CREDIT REPORT. I AM REQUESING FOR YOU TO HAVE THIS ACCOUNT REMOVED IMMEDIATELY FROM MY CREDIT REPORT AS I HAVE ALREADY PAID OFF THE ACCOUNT AND THE AGREEMENT WAS THE ACCOUNT WOULD BE DELETED OFF MY CREDIT REPORT ONCE PAID sunrise account # XXXX
Product: Mortgage

I would like to address this matter, I would also like to bring to your attention that this is my second attempt to have this looked at. I have an account with Keybank account # XXXX the reason for writing is in regards to a late reported in XX/XX/2020. I was unable to make the payment due to covid. As soon as I was able to I got the account caught up.
Product: Checking or savings account

On XX/XX/XXXX, I signed up for a move from XXXX, AZ to XXXX, VA with XXXX representing XXXXXXXX XXXX ''. XXXX advised me that XXXX XXXX is a FULL SERVICE moving company utilizing their own trucks and their own drivers. He never once mentioned that they are only a broker, which is false advertising. I signed up and paid XXXX $ as a deposit for my move. Their policy states Deposits are only refundable for customers who cancel their move within XXXX hours of electronically signing this agreement minus 10 % administrative fees. All refunds will be processed within 90 days. '' Well, I found out the very next day that they are actually a brokerage and do not have any moving trucks, so theyare not an actual moving company, which is false advertising. Upon finding this out, on XX/XX/XXXX ( XXXX hours later, WELL within the XXXX window ) I emailed them requesting a cancellation of my move. I received follow up verification that my move was cancelled, and I would be entitled to the full refund minus the 10 % admin fee, and that the refund would take up to 90 days ( which would be XX/XX/XXXX ). On XX/XX/XXXX I called and spoke with their office who said they would " start processing '' my refund...?? I called a few more times over the next week or XXXX, and talked with both XXXX and XXXX, who advised they would have their finance department call me to confirm everything. I then spoke with XXXX somewhere around XX/XX/XXXX, and since then they have not responded to a single email or voicemail, despite me leaving probably XXXX voicemails at this point. Also, their office numbers linked in their email signatures now lead to some sort of scam call center that is not associated with the moving company at all, leading me to believe the company has likely been shut down or switched numbers. 


on XXXX I requested a chargeback via Sofi, my bank, and provided screenshots/receipts/the above details. The above details should prove without a doubt that the entire transaction was fraudulent. Despite me providing ample amounts of details for them to issue me a chargeback for the XXXX $ which I am entitled to, Sofi has DENIED my chargeback/appeal. I have asked for documentation as to why my request was denied, and can provide those as soon as sofi provides them to me. There is absolutely NO reason why my claim should've been denied.
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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

The company responded to a previous complaint, case number XXXX, stating I closed on an FHA loan XXXX The company did not respond to my concerns about them not reviewing my loan for FHA modification options. They are servicing my loan as a conventional loan, which was told to me when I spoke with the Single Point of Contact. My loan has been modified but not refinanced, which means it should remain an FHA loan. My loan has not been considered for any FHA loss mitigation options, including partial claim or FHA HAMP.

Also, my SPOC advised me the income used for my loss mitigation application was {$0.00}, although I submitted evidence of income. If the income documents were not sufficient, the SPOC should have contacted me and assisted me with completing my package so it would be accurate when going to the underwriter. Instead, the package is being sent incomplete, so the underwriter can decline loan workout assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX XXXX XXXX what bankruptcy/inaccurate XXXXXXXX XXXX XXXX what bankruptcy/inaccurate XXXX XXXX XXXX what bankruptcy/inaccurate COLLECTIONS  XXXX not mine XXXX XXXX XXXX not mine
Product: Checking or savings account

Fishing call, someone knows the bank, my phone number, name and last XXXX of the card number. Who has my information been shared with? This is a new account. It is only months old. I recorded the thing, very annoying. XXXX minutes. File does not fit here. XXXX case ID : XXXX, I will send the recording to the XXXX XXXX team who is " investigating '' this if requested.
Product: Debt collection

The XXXX XXXX XXXX, XXXX, at XXXX XXXX, XXXX, ME XXXX, telephone number ( XXXX ) XXXX claims that I owe them {$370.00} for medical services that I received at Doctor 's Hospital in XXXX, Maryland. They claim the service date was XX/XX/16. My name is XXXX XXXX XXXX, patient account number is # XXXX. The provider 's name is XXXX XXXX. Back on XX/XX/XXXX, I contacted their office and I explained that I have Veteran 's health insurance which is my primary health insurance and XXXX which is my secondary health insurance therefore ; they would need to send the claim to the right one! They stated that they would take me to court. Now, this is the only provider that is claiming that he has not been paid. To my knowledge this debt has been paid or the claim was not sent to the right health insurance. So, I just received yesterday a letter from Schlee & Stillman , LLC, Attorneys at Law, XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX. The telephone number XXXX. This company is claiming that they are the debt collections company trying to collect this alleged non paid debt. I contacted them yesterday by telephone to inform them of the matter and I was told I need to provide them with information over the telephone that I was not comfortable with providing. Moreover, the letter is dated XXXX XXXX XXXX, and it claims I only had 30 days to dispute the debt! But I just received the letter yesterday on XXXX XXXX XXXX. Therefore, this must be some type of scam or fraudulent company that I respectfully request that you use the law to arrest and prosecute them. If you need any additional information from me please let me know. Thank you
Product: Debt collection

Ad Astra is trying to collect a debt of XXXX $ for XXXX. When I called them, to negotiate a Settlement, they told me they are not allowed to contact me, which is untrue. 

After I filed an initial complaint against XXXX to negotiate a Settlement, BEFORE the account went into Collection from XXXX   to AdAstra, XXXX falsely claimed, that they made me a Settlement offer for 10 payments of {$40.00} to settle the account. I never received that offer and XXXX claims that they sent it by email exactly on the day I filed my CFPB complaint. A obvious lie On XX/XX/2019 I received a letter from Ad Astra that states I had disputed the account, another clear lie. I sent Ad Astra 2 letter and asked them to honor the alleged settlement offer from XXXX, so I can start making payments. Needless to repeat XXXX lied about making the offer and wanted to get the account into collections. I never had a chance for a settlement. My research shows, that AdAstra was sued numerous times for their shady business deals.
Product: Debt collection

Formal Complaint Against XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX regarding a serious issue that has significantly impacted my credit report and financial standing. 
In XXXX, XXXX, XXXX XXXX filed a collection for an outstanding power bill of {$130.00} associated with the property located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. This bill was attributed to XXXX XXXX XXXX, a Realtor who was the listing agent for the property owner XXXX XXXX XXXX. XXXX XXXX sold the property on XX/XX/XXXX. Prior to the sale, a comprehensive title search conducted by XXXX XXXX estate title firm confirmed that she had no outstanding debts linked to the property. 

I was unaware that XXXX XXXX issued a bill for the investor 's property under my name after the closing until I reviewed my credit report in XX/XX/XXXX, nearly XXXX years after the property sale. To my astonishment, I discovered that XXXX XXXX had wrongfully associated this debt with my identity, resulting in a substantial drop in my credit scorefrom approximately XXXX to between XXXX and XXXX. XXXX XXXX never contacted me via phone or mail regarding this bill, which prevented me from addressing the issue in a timely manner. 

Upon contacting XXXX XXXX 's customer service on XX/XX/XXXX, I spoke with a representative named XXXX, who informed me that the bill had been sent to collections under my identity and advised me to contact the collection agency directly. This response is unsatisfactory and does not address the core issue : the misuse of my identity without my knowledge by XXXX XXXX. 

To mitigate this situation, since XXXX XXXX XXXX doesn't live in the US., I have paid the outstanding balance of {$130.00} on behalf of the property owner, to Bullcity Financial Solutions , the collection agency handling this matter. However, it is essential that my credit report be rectified to reflect the removal of this erroneous debt, as it was not my obligation even though I just paid it to restore my credit record. 
Furthermore, I intend to file a police report regarding the fraudulent use of my identity by XXXX XXXX for collection purposes. 
I kindly request your immediate attention to this matter to restore my credit score and rectify the inaccuracies caused by XXXX XXXX actions. I appreciate your prompt response to resolve this issue. 

Sincerely, XXXX XXXX Cell : XXXX Email : XXXX Home : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX