23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First I want to point out that this complaint is not about the original creditor XXXX. This complaint is related to the third party collector, Central Mediation Services. I did default on the loan initially taken out for {$800.00} total with finance charges {$2000.00}. 

I received a call from XXXX, phone XXXX on XX/XX/2019. He left a rude message stating he did not know what I had gotten myself into and threatened to show up to my job and home to serve me papers which scared me. He threatened I would be sued for fraud, etc. He also left my full social security number, address and SC Drivers License number on my voicemail. He left a phone number to call back, XXXX. When I called this number the same day I was transferred to XXXX XXXX at Central Mediation Services. We got off on the wrong foot and I admit I was skeptical and upset. He initially hung up on me. I called back and ended up being pressured into making a payment arrangement for payments that I could not afford. XXXX XXXX and XXXX sounded like the same person to be honest. I was transferred to XXXX who took the payment arrangements and then hung up on me. I was promised paperwork in XXXX hours. I had to call Central Mediation Services back today XX/XX/2019 and request the paperwork. When I got the paperwork I first noticed it had the wrong account number for my XXXX  account. I called XXXX  and they said that my account had been sold to XXXX XXXX XXXX, XXXX. I did call and leave a message for XXXX XXXX XXXX. I also replied to the email that sent the paperwork over and asked how Central Mediation Services is related to XXXX XXXX XXXX. XXXX XXXX ( XXXX ) contacted me by phone from XXXX. He was nice at first answering my questions but ended up telling me my questions were XXXX, said that I should not have taken the loan out, that I did not want to payback the loan and was overall very unprofessional and pushy. He belittled me basically. I asked for a better payment and for the payments to start in XXXX and he stated you have had two years to make a payment and you haven't. He said he was going to recommend XXXX XXXX XXXX proceed with legal action. He also stated that he was cancelling the payment arrangement. I told him that I had left a message for XXXX XXXX XXXX. I was asking for a lower payment and the payments to start in XXXX. Honestly, I thought the entire thing was a scam, he never really explained how XXXX and XXXX are related. Every person I spoke affiliated with Central Mediation Services used scare tactics and threatened me with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several discrepancies on my credit report that I have reported to the credit bureau. The credit bureaus have my name as XXXX XXXX XXXX and is incorrect. I have a collections that I disputed for XXXX and they do not have it listed as disputed and nor was it removed from my report. XXXX XXXX bank and XXXX XXXX is the same account and I have disputed that with the bureau as duplicated and nothing was done.Also, the amount is incorrect. XXXX XXXX is reporting something that was paid in XX/XX/2012 and showing as a XXXX balance. West Virginia Statute of Limitations on Debt Collection is five years. W. Va. Code 55-2-6 ( 1923 ). I have a collection XXXX XXXX for {$80.00} that is over five years on my file that is incorrect. I have disputed the record and it was not taken off.
Product: Checking or savings account

Ticket number XXXX XX/XX/2020 I purchased a flight with XXXX XXXX for the dates of XX/XX/XXXX-XX/XX/2020. Days later XXXX Government stated that it was best for us to stay home and not to go outside only for necessities. I notified XXXX about this situation and the representative told me to stay up to date with what's going on as far as cancellations. I told her to notate the account as well stating that I would like a refund not credit. 

I called and called and couldn't get a hold of anyone days prior to my flight taking off. I couldn't leave my home. I filed a complaint with my bank and they refunded me. Weeks later I received a notification stating that the case was reopened and XXXX provided them with information such as " a credit '' so they took the money back out and it went back to XXXX. 

Once again, this is a pandemic and they should have basic empathy for customers during this time. It's been months since I was able to received funding for my small business so I was relying on any cash that I could have received during this time. 

This is beyond absurd and I feel extremely manipulated. I do understand the no return policy but this should be escalated and a refund should be given to me as a courtesy due to this world pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the Experian about the error regarding my late payment and provided all necessary statements and letter from the bank issuing my credit card, but Experian refused to correct the error and the investigation has taken more than 60 days. All attached documents was sent by email and USPS priority multiple times since XX/XX/2022 My credit score has been reduced by more than XXXX points due to Experian 's investigation and they refused to fix it in timely manner by ignoring my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1600.00} XXXX  - XXXX - XX/XX/XXXX - {$18000.00} XXXX - XXXX - XX/XX/XXXX - {$150.00} XXXX - XXXX - XX/XX/XXXX - {$61000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my car was totaled in an accident. Upon my insurance paying XXXX  ( the loan originator ) their portion of payment it left a balance owed. When I lost my job due to XXXX, I renegotiated my auto contract to lower my monthly payments to {$99.00} beginning XXXX, XXXX. They gave me up to and including XX/XX/XXXX to make my final balloon payment. To agree I had to make all payments ACH debit payments automatically from my bank which I did. I have made payments from that XX/XX/XXXX through XX/XX/XXXX of {$99.00} direct from my bank without issue. In June I receive an email stating to contact XXXX XXXX XXXX, the company who took over XXXX. They said I was behind on my payments to the 3 credit bureaus over 30 days. I sent a dispute to all 3 credit reporting companies along with bank copy of my payment they state is behind and a copy of my contract. XXXX Is suddenly changing my terms without notice and with only 2 payments remaining stating I only had until XXXX. They have charged me two late fees on my remaining balance. I contacted them via email and attached copies of my contract showing where I was agreeing to pay through XXXX  of this year. I stated that I would not pay late fees as I made my usual payments that cleared my bank in XXXX  and XXXX  and I would make my two remaining payments XX/XX/XXXX & XX/XX/XXXX as my contract agreed to. I have divided my balance less the late fees into two payments of {$150.00} each and will be closing this loan. They have posted that I have a late payment on all 3 credit reports ruining my credit dropping it XXXX points due to their reporting information. I want it removed off my credit reports, as it is not true and I have made pmts as agreed each and every month and I want to pay it off as agreed in my contract by XXXX  XXXX  and be done with this terrible nightmare. Disputes on XXXX  and Equifax lead to no change. Whatever XXXX is reporting is not true. They are stating my deferment ended on XX/XX/XXXX and my loan matured XX/XX/XXXX which is not according to the loan contract I signed attached to this complaint. Ive made all my contracted payments on the XXXX  and they have not reported a problem with any of them until now demanding my loan paid in full and reporting XXXX  and XXXX  as late payments. I am attaching proof I paid as agreed from my bank.
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 Regulation E. These actions have caused significant inconvenience and financial loss, and XXXX appropriate redress for these violations
Product: Debt collection

On XX/XX/2021 this company debited XXXX from my checking account without my authorization for XXXXXXXX XXXX. Contacted XXXX XXXX and this is not company they told me to contact about my account. This was unauthorized debit from my account from Westhill LLC.
Product: Debt collection

To Whom It May Concern : This is a very serious matter of Defamation of Character, Identity Theft and Fraud. I am a recent victim of Identity theft and fraud. I have recently reviewed an extensive copy of my credit report included dark web alert ( with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXX XXXX  and it needs to be deleted/removed from my credit report. This is Defamation of Character and Fraud. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX  XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account :, XXXX XXXX  Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the information with XXXX  and yet the information remains on my credit report even after agency involved wrote letter that I do not have an account with them. I've only disputed with XXXX  but have same information on other credit reports. Attaching copy of letters. My credit rating has taken a drastic hit at a time I'm trying to secure a mortgage.
Product: Mortgage

Servicing of my mortgage was assigned to a temporary servicer pending completion of the paperwork for the investor to acquire it. The investor took possession and assigned their servicer before the first payment was due, but the temporary servicer continues to send monthly statements, late statements, and collection letters despite several hours spent on the phone with their collections and customer service groups, and a formal inquiry to their research department. I have made all required payments to the investor, but the temporary servicer refuses to contact the investor who owns it, and has spent 30+ days without contacting the originator. 

I have also been informed by the temporary servicer that it is my responsibility to acquire the documents they are missing ( including servicing transfer notices ), provide them contact information at both the investor and originator, and fax them documents regarding the transfer of my mortgage. Even after providing them with the name and phone number of the secondary market contact at the originator, they told me it would be 15-20 additional days at a minimum before I should expect them to attempt to resolve this, even though they are sending notices attempting to collect 2 months of payments and I submitted a formal inquiry a month ago to have this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  XXXX XXXX XXXX, XXXX, and PORTFOLIO. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, and PORTFOLIO with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  Accounts has violated my Rights. 
XXXX # XXXX XXXXXXXX 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 15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE UNAUTHORIZED WHICH IS CONSIDERED FRUAD XXXX XXXX XXXX XXXX {$5200.00} XX/XX/XXXX XXXX  XXXX {$710.00} XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX {$17000.00} XX/XX/XXXX THESE ADDRESSES ARE UNAUTHORIZED AND FRAUD I NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX THESE INQUIRIES ARE UNAUTHORIZED XXXX  XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I used to work for BB & T and opened the account the company offered which was a premium account that had requirments or cost $ XXXX a month. since i was an employee, i feel that back in XXXX when i opened it the company steered me to the product. All was fine when I was an employee, all was fine after I left the bank in XXXX of XXXX until I sold my home and started incurring an approximate $ XXXX/mo fee because I had no mortgage and no longer worked there. I feel that part of the off boarding should have been to address this potential impact. We have tried to close the account but the customer support team responds with " you need to come in person to close the account '' even though we moved to an area where I can not readily access a Truist location. ON top of the trapped in the account status, they pull the money out of the account and then charge overdraft fees on top of the monthly account fee.
Product: Vehicle loan or lease

I exercised my right of rescission due to non disclosure of my right to rescind pursuant to XXXX XXXX XXXX, along with violations of : XXXX XXXX XXXX XXXX XXXX XXXX ( c ) XXXX XXXX XXXX ( b ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of which were included in the " AFFIDAVIT OF TRUTH '' which was mailed via registered mail on XX/XX/2022 # XXXX and received on XX/XX/2022. TRUIST has yet to comply the lawful effects of my rescission.
Product: Checking or savings account

As of XX/XX/2022 I stopped into local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and spoke with a Personal Banker. About not having online access she saw note on account and called fraud department fraud department informed of closing account reason was not given we were left confused me and banker she later found out due to dispute but mentioned how unusual that is since your dispute positively resolved in XXXX and I said I havent had access to the account since XXXX time all I can see is emails that payroll is still going into my account I want this hold lifted immediately online access restored or I will write to the ethics department board of directors of the bank and the state attorney generals office. Due to restricting me from my account and funds with no reasoning given I was provided no notice to my address whatsoever and no online notice to my email as well. I seek resolution to resolve this and reverse such a decision on the grounds of no merit and inconclusive findings or I will contact alternative channels and my local news affiliation as well. For reference account was opened in XXXX FL I seek prompt resolution to my query. 

This inquiry was investigated though the wrong account details was provided my account I am stating ends in XXXX the company replied back with something that doesnt match my records and 2. I have deposits from XXXX going to this account and I have been barred access the email on file with bank is XXXX my uncle email where my statements are received I keep getting daily balances emails. 3. My account keeps charging and charging but I cant access it or stop anything or get my funds.
Product: Credit card

I accepted AmEx card in XXXX XXXX with an advertised 0 % interest rate through the billing period ending XXXX XXXX, per offered terms. I then used the card to pay for XXXX XXXX XXXX points sold in XXXX along with this AmEx card promotion. I was, however, charged {$530.00} in interest with my statement that closed XXXX even though I paid my balance in full on the account XXXX. 

Note that I later contacted AmEx by phone to understand/confirm when I'd need to pay this balance to avoid interest with a clear indication that if I paid the XXXX statement by the XXXX due date that I'd avoid interest. 

By AmEx 's own admission, I should be rebated this interest charge based on the sentiment of their own supervisor who on my XXXX call with him said he understood my issue and it made sense to him given my payment history, and he was therefore submitting for investigation. Then, when I called back XXXX for adjudication status of investigation, that representative, while saying nothing favorable would be done for me, conceded that she can see I was previously told that if I paid my balance for the XXXX statement in full by my XXXX due date, I'd avoid interest. 

If not for this incorrect and/or deceptive guidance, I could have avoided these interest charges. I made every good faith effort to comply with the terms and conditions but have been charged this unreasonable, usurious rate in excess of 25 %.
Product: Credit card or prepaid card

After creating my Buisness for my XXXX XXXX Via incfile I was directed to Bank of America sign up for buisness credit application. After providing all SSN and EIN and being mislead of account opening success. As well Bank of America made me sign there disclosure document which gave interest and terms breakdown. Then denied after Acceptance
Product: Checking or savings account

My account savings and checking account was closed. I don't know why? They are still accepting XXXX  transactions attached to my phone number XXXX. There is no fraud. I have been with the bank for over 10 years
Product: Debt collection

Company never sent me collection letter to address, was not able to verify the account was a valid account and has agreed to remove the negative information from report.