23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Continual robo phone calls with a computer telling me this is an attempt to collect a debt. Then followed by a phone number XXXX. This number shows to be listed to XXXX. I have call the XXXX number to tell them to stop calling but its also answered by a recording that says by continuing I am providing my consent. I 'm not consenting to anything so I never get to talk to anyone. Global Credit and Collection Corp. Please make these people stop disturbing me in my home. 
Thank You
Product: Debt collection

I entered a {$20.00} subscription to The XXXX XXXX. After receiving a couple of issues I decided I didn't want it and the magazines and they stopped coming. I forgot to actually cancel. They subsequently threatened collection. I wrote them on their website offering to pay them the XXXX dollars or so for the issues I did receive. I received no reply. Today I received a collection notice from XXXX XXXX XXXX XXXX of XXXX XXXX NY. for {$20.00}. That's {$20.00} for a product I essentially never received.
Product: Debt collection

About 6-7 years ago XXXX informed me that I had a bill with them. I cant remember how but I let them know that I never had an acoount with XXXX. It was resolved and I didnt hear from them anymore until about 2 or 3 years later and it was a collection agency by the name of XXXX XXXX XXXX and I told them the same thing and they sent me a letter saying that they would remove it from all the credit bureaus. Then three years later another collection agency by the name of Jefferson Capital Systems reported something negative to my credit. I called them up and let them know the situation but nothing was resolved. I sent them a letter and disputed this. Im tired of the harassment just because a collection agency buys debts that the original company cant profit off. My credit is good. I pay all my bills on time and I have nothing in collections. I am not responsible for this debt. My credit has suffered massively due to this and a student loan that I will be making a complaint for as well. Please help me put a stop to these vultures.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT :  XXXX , EQUIFAX,   XXXX    40 MILLION CONSUMERS IN CAL.  12  MILLION CONSUMERS IN   XXXX   XXXX   COUNTY.
1. AS YOU KNOW, I MAYBE   XXXX   XXXX   XXXX   XXXX   XXXX   IN CAL IN 2018.
2. AS A   XXXX   XXXX  , I AM GETTING TIRED OF THE ABUSIVE GAMES THE CREDIT REPORTING AGENCIES DO TO ALL CONSUMERS : A : WHY WHEN YOU ARE TRYING TO GET A MORTGAGE DO THE CREDIT AGENCIES GET ABUSIVE : 1. WHY CA N'T YOU HAVE UP TO   XXXX   INQUIRES WHEN A CONSUMER IS NOW SHOPPING TO GET THE BEST RATES AND TERMS FOR A HOUSE???
2.WHY WHEN YOU TRY AND RENT A HOME ARE THE CREDIT AGENCIES SO ABUSIVE AND NASTY : YOU CAN NOT HAVE MORE THAN ONE INQUIRY : YOU CREDIT SCORE WILL GO DOWN : ABUSIVE : YOU CAN NOT SHOP AROUND FOR THE BEST RATES IN MGT.
WE WILL ABUSE YOU : YOUR CREDIT RATING WILL SUFFER : SOLUTION : NEW CONSUMER BILL OF RIGHTS 1. YOU CAN HAVE  XXXX  INQUIRIES EACH YEAR ON YOUR CREDIT REPORT WHEN SHOPPING FOR A HOUSE OR TO RENT : A : IF THE CREDIT AGENCIES ABUSE YOU AND YOUR RATE GOES UP : CLASS ACTION LAWSUIT AGAINST CREDIT AGENCIES : 2.SOLUTION : IF THE CREDIT AGENCIES ARE WORKING WITH BANKS TO INCREASE THE RATE AT WHICH A CONSUMER CAN GET A CAR LOAN, HOUSE LOAN GOES UP : ARE THE CREDIT AGENCIES COLLUDING WITH THE BANKS TO SEE IF THEY CAN STEAL MORE FROM THE 40 MILLION CONSUMERS IN CAL, THE 12 MILLION IN   XXXX   XXXX   COUNTY : EXPLAIN TO ME WHY MY CREDIT SCORE GOES DOWN WITH ONE AGENCY AND UP WITH ANOTHER : SHOULD THERE BE A CLASS ACTION LAWSUIT AGAINST ALL CREDIT AGENCIES OF ABUSING THE CONSUMER AND CHARGING HIGHER RATES TO THE CONSUMER???
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to the inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ) Specifically Cash App failed to take timely and effective measures to prevent 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 Electronic Funds Transfer Act and Regulation XXXX These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

Beginning in XXXX, I tried to get a loan modification from Wells Fargo and they wouldn't respond to my request. I ended up having to sell my home for less than I paid for it. In addition, Wells Fargo cashed a post-dated check that spiraled my checking account into a deepening negative balance, when they could see my balance wouldn't cover the post-dated check on the day it was incorrectly presented by a plumbing company who had agreed to wait to submit it on the day the funds would be deposited. Following is an XX/XX/XXXX email I sent to a state representative trying to get help : Dear XXXX XXXX, I'm trying to get help- I've been unemployed for over XXXX year and I'm not behind with my mortgage but I will be soon. My loan 's origination date was in XXXX XXXX, past the XXXX XXXX, XXXX deadline the foreclosure prevention help programs all seem to have. 

Wells Fargo will not help me, I've spent the last month sending and resending the same financial information to them. I have equity in my house which I'm sure appeals to their bottom line, but I will have to sell well below what I paid for it ( if it sells ), according to my realtor who just sold her house in a short sale. My roof also has a leak so my house is not in top condition for sale. 

Will there be any flexibility in the new Oregon Homeowner help programs in regards to that XX/XX/XXXX deadline? I've been trying to maintain my credit rating and not go into default but the bank options- waiting periods, 3-month forbearance with balance due at the end of three months in a lump sum - all lead to damaged credit and possible foreclosure in the end. 

Wells Fargo did not help me and I ended up selling my home for less than I paid for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with BPPR XXXX XXXX should not be on my credit! This was a mortgage that was included in my Chapter XXXX Bankruptcy in XXXX and was discharged. The original creditor was XXXX XXXX XXXX in which BPPR XXXX XXXX somehow obtained the account from. XXXX  is in clear violation for allowing this debt to be reported delinquent after it was discharged in a bankruptcy AND due to the fact the debt was cleared in XXXX, this is way passed the allowed 7 years to report to my credit report. 
One, it is illegal to repot this debt beyond the 7 years allowed per federal guidlines and two, the was discharged through a Bankruptcy so Banco Popular should not be reporting any balance. 
I attempted to have XXXX investigate and remove this on their own but they came back with it is staying on the credit as is. Attached are the bankruptcy docs showing XXXX XXXX ( original mortgage then transferred to Banco Popular ) being included in the bankruptcy.
Product: Debt collection

I have been requesting numerous times for. the validation of my original signature regarding a collection account was sold to the collection agency Portfolio recovery associates XXXX XXXX XXXX   XXXX, VA XXXX on XX/XX/2017. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). That required by federal law to verify through the physical verification of an original signed signature from the consumer-any and all accounts this company post on a consumers credit report. Portfolio recovery associates only provided copies of credit accounts statements " only '' with-out the requested original signed signature. I have been demanding to see verifiable proof of my original consumer contract/ documentation with my signature on it. that this company have on file. Under the fair credit reporting act section 609 ( a ) ( 1 ) ( A ). l feel that this company Portfolio recovery associates is trying to extort me for funds on this account in question an have not been verify with my signature required by law, if this can't be verified this account must be removed from my credit report immediately.
Product: Credit reporting 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. 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, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$5400.00}, XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$11000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX agreed to remove the cox communications of my credit report. 
*XXXX XXXX XXXX is reporting an account that i didnt open and XXXX XXXX removed it, it was open when i was in XXXX. 
*XXXX XXXXXXXX agreed to update the late payments i wasnt late and that was over 30 days ago. 
XXXX agreed to do a pay to delete and they took my money without updating my report. 
XXXX XXXX has inaccurate info, balances, dates, amounts
Product: Credit reporting or other personal consumer reports

This morning, I found inaccurate accounts on my credit report, and Im completely at a loss as to why theyre there. I check my credit report regularly, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might just be a technical glitch, but the inaccuracies were still there. Im pleading for the documents Ive sent to be reviewed thoroughly so I can finally put this nightmare behind me and not have to worry anymore.
Product: Credit reporting or other personal consumer reports

Experian an XXXX XXXX both has had data breaches with personal information being compromised Ive seen multiple inquiries wrong addresses an my information is being compromised far as identity theft.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : 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 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 XXXXXX/XX/XXXX
Product: Mortgage

I mailed TILA Rescission Letters on XXXX XXXX, 2015 well after the XXXX unanimous XXXX decision. Now, more than six months later, I 've received absolutely no indication the companies are attempting to comply. The only possible reason the companies could assert is that 3 years passed after closing and my TILA Rescission Letters were sent after that date. The TILA law stipulates that remedy is available after the " consummation '' of the loan transaction. I submit that my loan transaction was " table funded '' which is in violation of " Regulation Z, '' predatory per se, and void ( not voidable ) from the beginning at the closing table. Simply signing disputed documents does not constitute a " consumated TILA transaction. Additionally, the interested parties have far exceded the statuatory period to lodge a court case to contest the validity of the certified delivery TILA Rescission Letters that were delivered and signed for in due course. 

This complaint constitutes my demand for TILA compliance. 

I mailed TILA Letters to XXXX Investment and Loan ; XXXX XXXX XXXX. Trustee and Successor in Interest to XXXX Investment and Loan ; and Deutche Bank National Trust Company, Successor in Interest to XXXX Investment and Loan. 

These latter XXXX parties were notified Re : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX. 


My loan number associated with the original XXXX transaction is # XXXX. 

The loan number associated with XXXX XXXX is # XXXX. 

The loan number associated with Deutche Bank is # XXXX. 


The property address used by all these parties is XXXX XXXX XXXX, XXXX GA, XXXX. 

I 've received proof of delivery from all but XXXX ( which was returned as " Undeliverable -- Forwarding Address unknown. 

Please register this complaint against all " Lenders and Assignees '' and require proof from each they are in strict compliance with TILA and also proof they are not entities involved in a TILA prohibited " Table-funded loan. '' It 's my desire to affirm my clear title to my property and for all parties who can not prove they are holders of the original note received " In due course '' to legally indemnify my ownership and absolve me of all other claims.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX called me around XX/XX/XXXX, harassing me threating to sue me over an old credit card bill with XXXX XXXX XXXX, said they are filing a lawsuit against me and told me to get a lawyer and will put me in jail if I don't pay. They ain't supposed to call me and threaten me and my family. They should know better.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency is reporting inaccurate and false information on my consumer report, I have notified them on numerous occasions and they have failed to comply with the Fair credit Reporting Act. They are in violation of 15 U.S. Code 1681n ( a ) for willful noncompliance. 

XXXX XXXX falsely reported a late payment back in XXXX of 2020 on my consumer report which I contacted them to remove and update to the correct status and they agreed it was incorrect and should say paid on time, but it has been over 120 days since I have been reaching out to the company to fix this issue but they are ignoring me and failing to assist me in resolving this issue, which is hurting my ability to obtain goods and service under credit which is my right. 

They are also in violation of federal law 15 USC 1681 a ( 2 ) ( B ) for furnishing information that should not be included in a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  student loan was Paid off and never late it was in forbearance XXXX XXXX XXXX XXXX paid on time and never late it was in forbearance XXXX XXXX   Im paying back on time and its still reporting me late I want the student loan people to stop reporting me late and remove all latenesses I was never late. when I tell them to remove it they said well its not on us call the credit bureaus.
Product: Debt collection

I am disputing this debt because I know that the amount is wrong and the account with XXXX was closed on XX/XX/XXXX, XXXX. I started service with XXXX XXXX in XXXX of XXXX and had 2 years to pay off the new phones and before services could be cancelled. The phones were paid off in XX/XX/XXXX despite one of the lines not being in use for over a year because of a lost phone. I called XXXX to cancel my service in XXXX of XXXX and it was officially cancelled on the XXXX. I never received any type of communication from XXXX that any money was owed or a final bill notice. Towards the end of XX/XX/XXXX, I received a collection notice in the mail regarding this account. I called XXXX customer service several times and was unable to get any information or this issue resolved because I had forgotten my passcode for the account and was told I had to go to a store to get this resolved. I went to the store located in the XXXX outlets in XXXX, GA on XX/XX/XXXX and was assisted by an employee named XXXX XXXX. XXXX called up customer service and was on the phone for over an hour trying to get this resolved. There was a female customer service representative on the phone and said that no money was owed, and the issue was resolved. A few weeks later I received another collection notice, and the amount was higher. I called up convergent on XX/XX/XXXX and explained the situation. I was told by the male rep on the phone to call XXXX and that a rep would assist me over the phone. I called XXXX again several times and kept being told that no information could be discussed without the account passcode. I went back to the XXXX store in XXXX on XX/XX/XXXX and spoke with the XXXX named XXXX XXXX XXXX I came in distressed and left in more distress than when I arrived. The manager was rude and by his physical body language he clearly did not want to help me. He told me it was out of their control and not to worry about it. XXXX XXXX happened to be there this day and I asked her to explain what happened when I was there last month. So the manager finally agreed to call customer service. After doing his research per XXXX XXXX XXXX I was still being billed for the second phone line and that there was no evidence that any bills were sent to me or any type of notifications. Per XXXX XXXX XXXX since I had already transferred to another service to not worry about this issue. After this visit at the store I received a third collection notice. How can a cell phone company justify billing a customer after they close their account?
Product: Debt collection

I contacted Affirm on XX/XX/XXXX regarding to the fraudlent account that they have listed in my name within there company, i completed a form with Affirm whom refuses to remove account from credit report, i have not received any call back from the company regards to the fraudlent activity.
Product: Checking or savings account

This account was closed as a result of the paper statement fees that Truist charged to put my account into the negative. It was not because I overdrawn my account. Received a letter that company closed Truist One Checking Account that was opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. From the letter the balance due was {$38.00} and that includes a {$30.00} charge-off account fee. My parents set up automatic deposits to my account every XXXX weeks of {$100.00}. I was unable to access my information through automated banking and was unable to set up online banking.. 

I called the Truist Recovery Department on Monday, XXXX XXXX XXXX and spoke with a XXXX XXXX XXXX XXXX  ). Inquired on why the account was closed when it was a new student banking account. XXXX informed me that after 30 days the system will automatically closed the account. I stated that {$6.00} of the overdrawn amount was the {$3.00} fee charged for receiving paper statements. ( I am enclosing statement showing that statement fee increased the amount ) I asked about the negative reporting of " closed unsatisfactory '' status that the letter stated would be sent to specialty check reporting agencies. I stated that I am XXXX XXXX XXXX first checking account and that they were trying to ruin my credit over {$8.00} which was only {$5.00}. Account history will show that no excessive use to overdraw the account. 

I asked to speak to a supervisor and was denied by XXXX. He said the company policy was to advise client to wait 24-48 hours to speak to a supervisor. I then verified that XXXX was indeed denying me the opportunity to speak with a supervisor. He said a payment had been made for {$38.00} and the account was permanently closed. I stated no one has remitted payment but that automatic deposits have been sent to my account. I then asked where the remainder of the funds were and XXXX was unable to provide me an answer. He said he would send a letter to my email address stating the account was paid and closed. I have not received the letter. 

I asked again to be transferred to customer resolution or the Presidents office because I wanted to formally complain and XXXX said he could give me a number to call but that he could not transfer me. He gave me the number of XXXX 

This closure of my account was not my fault and now it can affect my ability to open a checking account in the future and have negative impact with check reporting agency. And the {$30.00} fee that was charged ridiculous also considering that Truist increased the negative amount by charging {$3.00} paper statement fee
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX : {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FAIRWAY INDE XX/XX/XXXX and FAIRWAY INDE XX/XX/XXXX. 
Credit Inquiry is unverified but still persist on my XXXX  credit report