23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is a certain debt collector known as Central Portfolio XXXX that is repeatedly calling and harassing my poor old XXXX year old grandmother on the basis of a debt I DO NOT legally owe. I am a resident of XXXX, where the debt should have expired last year, yet they call her at her number in XXXX, where I do not know how they got that number, as I have had no communications with them. What actions should I take to assert my rights and my grandmother 's privacy?
Product: Debt collection

XX/XX/2014, my husband and I submitted a letter to Debt Recovery Solutions , LLC to provide proof of a debt they were trying to collect on from XXXX. In XXXX, my husband called XXXX and they stated they had to record of such debt. 

We received a letter dated XX/XX/XXXX that our debt was held by XXXX ( same information, no proof that we owed the debt ). I called XX/XX/XXXX and spoke to XXXX about the debt. He said XXXX XXXX would call me back that night. She did n't. 

I called again on XX/XX/XXXX to follow up since I had n't heard anything. Spoke to XXXX. He said that XXXX XXXX was on vacation. I asked if she were on vacation for the past XXXX days. He just stated she 's on XXXX. He tried pulling up the account. He initially said that he could n't pull up the account with the account number I gave him and wanted my social security number. I refused to give it. He tried the account number, brought it up and looked at the account. I explained that I want, not verification of this debt, but PROOF we owed the debt. He simply verified that we lived in the house and that we had this phone service. I explained that when my husband called in XXXX, XXXX told him they could not find any record of such a debt and we 're looking for proof. If they can prove the debt, we 'll pay it, but otherwise we do n't feel it 's a valid debt. 

In the course of this interaction and asking for proof, XXXX told me that the burden of proof is on me, that they do n't have to prove I owe the money. I explained that from my research, it seems they need to be able to prove I owe the debt. He said that he would have a manager call me back in XXXX hours, but I pointed out that I 've already waited XXXX days for a return call. I have asked that they provide a letter from XXXX stating that we owe this debt, not just to verify the debt. 

XXXX eventually said, he was n't going to talk about it any more and said he was going to cut off the call, which he did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to perform a credit freeze online with Experian through their website ( https : //www.experian.com/freeze/center.html ). I have tried several times over several days ( XX/XX/2020, XX/XX/2020 ). Despite being able to manage freezes ( with both XXXX and XXXX ), Experian always fails to verify my information despite it being accurate and correct and instead requires me to mail the request to them to perform the freeze. 

Experian intentionally makes the process difficult and slow. I should not be required to mail this request to Experian, which additionally requires mailing my ssn, copys of bills, license, etc., to freeze my credit.
Product: Checking or savings account

I have been charged overdraft fee in excess of what needs to be charged. 
I had a balance of {$1100.00} on XX/XX/XXXX. 
$ XXXX=-XXXX ( Debit ) XXXX ( Balance ) - {$1100.00} - XXXX ( Debit ) XXXX {$1100.00} XXXX ( Debit ) XXXX {$1000.00} XXXX ( Debit ) XXXX $ XXXX ( Debit ) XXXX ( Balance ) Then on XX/XX/XXXX1. {$560.00} XXXX ( Debit ) = $ XXXX XX/XX/XXXX 2. - {$110.00} ( Debit ) 3. - {$150.00} ( Debit ) XX/XX/XXXX: Mobile deposit = {$1000.00} Mobile deposit = {$61.00} XX/XX/XXXX = $ XXXX I had a total of 3 overdraft during this time and i should have been charged an overdraft fee of {$37.00} X3 = {$110.00}. But I have been billed an overall overdraft fee of {$180.00}. 
Thanks
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 110 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Ive asked experian to update my info in my account for over a year its caused me to be denied loans credit cards and other means of improving my life bc they refuse to simply update my information which will then show a accurate score. I believe if they can continue to add to my score or can cause it to lower the. They are obligated to keep my credit score updated and up to date. The experian site says it has not updated my info and will not unless i pay they will continue to issue out the wrong info according to my credit score.
Product: Debt collection

When I was starting college a credit card rep from bank of america discussed with me about signing up for a credit card. During the application procces the credit card rep fugged my income by a lot so I could get a larger amount of credit. Looking back with my income at the time I would have been declined due to me making less then {$100.00} a month. I was apporved for a card with an {$1000.00} credit limit. I started useing the card with out actually understanding how credit cards worked and not know i would not be able to pay it off with my income. My account went into defualt and was sold to a debt collector. I was away at college and during those 7 years my debt went to a judge and it was ruled in the debt collector favor without me even getting a notice because I was away at college. Now that {$1000.00} credit debt is over {$3000.00} and they garnish my wages anytime I get a job. I am XXXX now and i look back at the day the bank of america rep XXXXXXXX XXXX XXXX  and nothing was reported or done.
Product: Debt collection

Account Name : DISCOVER FIN SVCS LLC Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Product: Checking or savings account

Tried to open a chase checking account but the information is showing incorrect. Showing a last name by the name of " XXXX '' and not " XXXX ". I can not update the account online and wanted some help in updating the information showing throughout the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$330.00} XXXX  XXXX Balance {$29000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX General Rev has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX. XXXX, XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, Company 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
Product: Credit card

Whenever I try to add my XXXX XXXX XXXX card to XXXX XXXX, I get an error message that states " Card Not Added. Contact your card issuer for more information. '' I contacted Comenity Bank several times on XX/XX/year>, and they were not able to help me add my card to XXXX XXXX.
Product: Debt collection

I have been working Since XXXX to have XXXX clear up a debt has already been paid. The remaining debt that shouldve been XXXX {$10.00} is now {$60.00} through the collection agency. The {$10.00} was supposed to go to upper management of XXXX, who was supposed to resolve the issue and has not. I have notified FCR of this, and they began a dispute process in which they said they would thoroughly investigate. They did not thoroughly investigate and only asked who is not organized about the debt. XXXX said that it has not been paid. I have numerous messages I put in PDF form that demonstrate that the debt has been paid. These messages are with XXXX support and was supposed to go further to upper management to clear the debt and this Has not gone further to the upper management as they said they would and has left this debt just with the collection agency FCR services, who has been increasing the debt. The original amounts that is being collected by XXXX has been made through their host with deceptive practices. XXXX XXXX agreed that the practices deceptive and challenged the debt because it was not during my car rental period. FCR refuses to investigate this further.
Product: Credit card or prepaid card

This is the fifth time that I have reported issues with capital one, ranging from reporting my account late when they had put in a program during the terrible hurricane that hits Florida and now for a refund of atm withdrawal that was made with my card in the XXXX XXXX. They spent an entire month investigating the issues and they refunded the item back to my account on XX/XX/XXXX for {$140.00} {$160.00} and different other charges that was fraudulent on the account accompanied with interest charges etc. 
Now in XXXX I received a phone call from one of their agent or supervisor that says that I am calling to go over the charges that you had disputed and I believe that these charges was not fraudulent because they use your pin and no one couldnt have made these transactions if they didnt have a pin I answered sir, our belongings was stolen in our hotel rooms and no other companies gave us issues on reimbursing my money, but this guy was just rude and accusing me of stealing my own funds. First of all sir, I am a hard working man in my past when I was able to work now I am a total and XXXX  XXXX veteran, I am also a XXXX  XXXX   XXXX and I dont take pleasure on lying or making up stories, karma is real and I will like for everyone to notice the abuse from capital one. They have my account now with a balance of {$580.00} when my limit is {$300.00} this company is just horrible, disrespectful and outright unfair to small customers.
Product: Checking or savings account

disputed a charge with Chime Bank and they denied the fraudulent charge and wont give my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a collection account with  XXXX   XXXX  ,  XXXX , account number  XXXX  for   XXXX     XXXX   XXXX   XXXX   XXXX  that was previously deleted from my credit report in  XXXX . I just got an alert that this account was put back on my credit report in  XXXX   XXXX .     The Fair Credit Report Credit States under secti on 611  Procedure in case of disputed accuracy ( a ) (  5 ) ( B ) ( ii ) N otice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later  than 5 bu siness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I was never notified of this account being reinserted and therefore is a clear violation of the FCRA.
Product: Bank account or service

To Whom it may concern, I 'm the owner of the property located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. My attorney is working on the title and we have found that there 's a problem, specifically there is a wrongfully recorded deed by your Selene Finance LP. Due to this wrongfully recorded deed, I can re-finance my property until they correct this issue! 
I 'm refinancing this property to be able to fix it on time, due to structural violations with XXXX of XXXX. For this reason, this property needs to be fix right away, before XXXX of XXXX orders the demolition of this building!!! 
On an email from XXXX XXXX XXXX from XXXX ( Former Selene Finance LP ) and the company who actually did the recording, the solution at my problem will be for Selene Finance LP to recorded a deed from them back to us!! 
I have this email and I 'm attaching this email to this complaint. 

I have called several times to XXXX XXXX XXXX ( the Grantor on the deed ) to phone number listed on public records, XXXX but this phone number is always busy. I have also tried to send them a fax, but your fax number is always busy! 
I was able to sent them a fax ( Fax confirmation is attached ) and several email without response as of yet ... 
I also mail them all a certified letter via USPS ( receipt attached ) I also contacted XXXX XXXX XXXX XXXX, Senior Closer & Team Lead, and XXXX XXXX XXXX, XXXX Lead, both employees from `` XXXX '' this company was previously named : Selene Finance LP and they are showing as the one who requested this instrument to be recorded. SELENE FINANCE LP is named on the top portion of the wrong deed with their address as the " Return '' to company. 
Please take whatever necessary action to resolve this problem immediately, so I can continue with the fixing of this property!
Product: Debt collection

XXXX I went to there XXXX XXXX and I do not have an account with this company. They have tried calling 15 times over the last 2 weeks to try to collect debt that on a card that I do not have.
Product: Credit card

There is a Bank of America credit card history being reported to the Credit Bureaus, but it does not belong to me. It is impossible to try and address any complicated matter with Bank of America because their customer service is so inefficient and time-consuming. 

I know nothing about this credit card that apparently was opened in XXXX/XXXX/XXXX, closed on XXXX/XXXX/XXXX, but oddly, there is a date of last payment showing as XXXX/XXXX/XXXX. It is a negative report, and I want Bank of America to stop reporting this inaccurate information, and to inform the Credit Bureaus -- XXXX and XXXX -- to permanently remove these inaccurate data. Also, please inform XXXX if BOA reports to them. If BOA believes this account belongs to me, then they need to provide substantiate this with evidence ; I have a Bank of America checking account that was opened in XXXX in XXXX. 

Note : I see in my XXXX report that the Bank of America address cited is from XXXX XXXX, XXXX. I have never lived in Texas. Just recently I had an account removed from my XXXX Credit Report that was not mine -- it had the name XXXX XXXX associated with it ( mistakenly under my Social Security number ) and there is an address showing in the XXXX report that has an XXXX, XXXX address with a XXXX date on it. Maybe all this information is connected to one or more other people. Please check everything. 

Whoever this BOA credit card account belongs to, I do n't believe it is even supposed to be reported at this late date, given statutes of limitation.
Product: Debt collection

On or about XX/XX/2014 and Account was established or billed to me without my prior knowledge or consent. In addition, Access Credit Management who currently owns the debt has failed to provide any original application or documentation as per the Fair Debt Collection Practice Act, section 809. Also, the statue of limitations in the state of Arkansas for medical bills or debts is for 3 years, for contracts not in writing ( A.C.A. 16-56-105 ). 2 years from the date the service ( s ) was rendered for from the date in which the most partial payment was made ( A.C.A. 16-56-106. The time frame for both statues have been exceeded and puts Access Credit Management in Violation.
Product: Debt collection

Heres a powerful dispute letter to the CFPB regarding the XXXX XXXX Collections account on your credit report. This letter is designed to push for a deletion by demanding strict adherence to consumer protection laws. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Urgent Dispute and Request for Deletion RentDebt Automated XXXX Dear Consumer Financial Protection Bureau , I am formally disputing an inaccurate and potentially unlawful collection account reported by XXXX Automated Collections on my credit report. The account, with an open balance of {$2300.00}, was last reported on XX/XX/XXXX. 

I request an immediate investigation under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Specifically, I demand : 1. Validation of XXXX XXXX XXXX Collections must provide legally verifiable proof that I owe this debt, including a full accounting of charges, a copy of the original contract, and proof of their right to collect.

2. Strict Compliance with Reporting Laws If the account does not meet 100 % accuracy under the FCRA, it must be removed from my credit report. 
XXXX. Investigation of Unfair Reporting My credit report indicates that I have already disputed this account, yet it remains. Under FCRA guidelines, unverifiable accounts must be deleted. 

If XXXX Automated Collections can not provide the original signed agreement and detailed transaction history proving I owe this balance, I request its immediate deletion from all credit bureaus. 

I appreciate your prompt attention to this matter and expect a formal response within 30 days, per federal law. 

Sincerely, XXXX XXXX
Product: Consumer Loan

My furnace died on a frigid day in XXXX XXXX and the XXXX company offered financial help on the replacement with Wells Fargo. One year later I noticed a {$2400.00} interest charge on my monthly WF statement. WF has refused to waive any of the interest even though I executed a full payment using fund balance transfer by another lender 5 days after the 1 year interest free deadline. I overlooked the deadline ( my bad ) but this transaction over penalizes the situation. I made monthly payments the first year on time and the Urgent Statement message ( XXXX XXXX statement ) notifying me of the expiring special terms is easily missed ( I think WF knows this ). I did n't see the problem until the XXXX XXXX statement showed whopping interest. WF said the other lender transaction will be too late to reduce any of the interest. I did n't have {$5400.00} in cash to pay the full balance when I asked WF to waive or reduce interest. I started working another job in XXXX to pay for the furnace. Reasonable business practices like this push people who are living pay check to pay check even deeper into financial hardship. Staff at WF say they 're just following accepted business practices and they have no flexibility to make more reasonable decisions. Some people who are financial strapped ca n't keep up because of situations like this. I was late 5 days on full payment ( not even a month ), one month late of {$2400.00} is about {$200.00}, and I 'd be agreeable to pay that because I made a mistake, but {$2400.00} is not fair for the circumstances.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian regarding the following incorrect account details : Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1600.00} I have not received any response from Experian regarding this matter to date.
Product: Debt collection

I have asked this BOUNCE AI, a debt collector to verify this debt that this was truly my debt a total of 5 times within the last XXXX months and they have refused to do so. The law states that under : 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

BOUNCE AI Never Sent the periodic statement along with the disclosures from section 1637 ( b ) or under 1681 EI.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

I need this entity to promptly remove this from my credit reports as soon as possible.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against TransUnion for violating my privacy and consumer rights. They've breached the Fair Credit Reporting Act ( FCRA ), Privacy Act of 1974, and Opt Out Laws. 

1. They shared my personal data without my written consent, as required by 15 USC 1681 section 604 ( a ) ( 2 ).

2. I wasn't properly informed of my right to exercise nondisclosure, as mandated by 15 USC 6802 ( b ) ( c ).

3. They reported a Chapter 7 bankruptcy without my consent, violating 15 U.S. Code 1681c ( a ) ( 5 ). 

4. XXXX failed to maintain accurate information, as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A. 

5. XXXX reported my student loans without consent, violating FCRA. 

6. They didn't adequately provide the option to opt out of reported information, as per 12 CFR 1016.7. These actions infringe on my privacy and break the law.