23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, I had an acct for internet and TV with XXXX XXXX and discounts were about to expire. I contacted them prior to the discounts expiring in XXXX and they told me they were actually lowering my bill. When the bill came in XX/XX/XXXX, it was significantly higher. When I contacted the XXXX XXXX about this error they acknowledged that I had been given incorrect information. They said they could not honor the price they had quoted. 

On XXXX XX/XX/XXXX, I closed the XXXX XXXX acct via phone. I was told two equipment boxes would be sent to me ( one for Modem and one for TV equipement ). I was instructed to wait and mail both boxes back at the same time, regardless of when they arrived. When none had arrived, I contacted XXXX XXXX on XX/XX/XXXX requesting the boxes again. By XXXX XXXX, no boxes had arrived and I made a 3rd request. Still no box arrived. 

On XXXX XX/XX/XXXX, I received an email from XXXX XXXX saying I owed {$640.00}. This appeared to be for equipment. 

On XXXX XXXX at XXXX XXXX, I contacted them. After waiting on hold for 12 mins, XXXX from XXXX XXXX answered my call. He said that someone had put in the wrong info. The previous representative didn't put in the address and the " offsite group '' that handles the boxes couldn't send me the box. He claimed to have corrected everything and a box should be forthcoming for the TV equipment. He also said that the previous representatives were incorrect and that XXXX XXXX wouldn't send a box for the modem and that I should go online to XXXX to initiate the return of the modem. I was told to use a XXXX Drop box. 

I went on line as instructed and took the Modem to a XXXX store on XXXX XXXX at XXXX. I retained a receipt. 

On XXXX XXXX I contacted XXXX XXXX because the TV equipment box still had not arrived. This was my 5th request for the required equipment box. XXXX confirmed that XXXX XXXX had received the modem on XXXX XXXX and credited my account. She said she was sending ANOTHER box for the prism TV equipment.I was beyond frustrated and just wanted their junk out of my house. Every time I have to call them, it is an hour of my life spent on hold and being bounced around to different sections. I offered to deliver the box to a XXXX XXXX store but XXXX said that wasn't allowed. I also asked if one of the  many techs I see doing installs in the neighborhood could pick up the equipment. I was told that wasn't allowed either. 

In XXXX, I also began to receive collection calls for the " debt '' associated with the equipment. I instructed them not to contact me further. 

Finally, an equipment box arrived. I packaged everything up and XXXX picked up the package from my home on XXXX XX/XX/XXXX. 

As of XXXX XX/XX/XXXX, I am still receiving calls and text messages from MRS Assoc. regarding they XXXX XXXX " debt ''. Apparently, because the equipment wasn't returned within the time allotted by XXXX XXXX following the original closing of the account.
Product: Payday loan, title loan, or personal loan

I took out a XXXX loan with a repayment amount of XXXX by the date of XX/XX/XXXX which would automatically draft from my account. The attempt to collect the payment was not done until XX/XX/XXXX ( which was verified with the lender and bank ) unfortunately other items came out of my account the day prior resulting in the payment being returned. Had the payment come out on XX/XX/XXXX as agreed it would have gone through and the other item would have been returned. I also applied for a loan during this time but received an error that a loan could not be provided until the previous loan was paid ( This is how I found out that the payment did n't go through ) although the error was provided the loan was actually processed unbeknownst to me and the repayment amount was XXXX as opposed to the XXXX I could 've given right back to them because I now had to worry about paying the other loan. They are not returning calls or answering my calls since these errors have been brought to there attention and they are continuing to take on additional interest and fees. Please help me. I only did this to help my mother with her XXXX meds I just want to pay them what I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macys card in   XXXX   XXXX     lists missed payment but I did not miss any. Account is closed and is also too old to be on file on my credit reports.
Product: Debt collection

This company called me claiming they informed me of a potential lawsuit regarding a credit card I had more than 5 years ago. They had never before contacted me by any means of communication. They then claimed to be an attorney and stated they were trying to make a decision whether to work with me on this debt or file a lawsuit. They would n't give me any case number or reference number of any kind. They refused to give the name of the company. They refused to give me an address of their company. This company refused to give me any proof of an outstanding balance and threatened to sue me for {$9000.00} on a {$800.00} balance, freeze all my bank accounts and withhold my income taxes. I called them numerous times trying to get more information and rectify the situation and they would just say to me " we are moving forward with the lawsuit '' and hang up on me. This happened at least 10 times. I then talked some who claimed to be an attorney by the name of XXXX XXXX. I stated to his the debt was paid in 2012 and I have proof of such. He then stated " well you better sue who ever you paid to get your money back because we are going to sue you '' then hung up on me again. This was the last correspondence I had thus far with this company/attorney 's office/debt collection company. Not really sure what they are.
Product: Credit card or prepaid card

Automatic denial from system not thoroughly investigating true credit worthiness as I applied in good faith.
Product: Credit reporting or other personal consumer reports

I am attaching copys of major inaccuracies on my credit report XXXX XXXX should not be on my report I have documents stating that that specific account was closed due to fraud and I can verify to you it needs removed along with other accounts Im attaching they are over XXXX XXXX XXXX and they are not mine and I do not have a XXXX  account nor did I ever that is false information and Im tired of the credit bureaus attacking me and they are lying about my on time payments to XXXX and to XXXX  XXXX and I have proof that I pay these accounts on time they need to comply
Product: Credit reporting or other personal consumer reports

FCRA violation : not my addresses XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX Resident type XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX type XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NJ XXXX Resident type XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX Resident type XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX  FCRA violations XXXX not my accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. {$990.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$810.00} Status Collection account. {$810.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28000.00} Status Collection account. {$2.00} FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Checking or savings account

I called in to have the account fees reversed and account closed. The first representative I spoke w/ seemed to understand the request, which I believe was completed but no written confirmation was received. I then asked her a question about my XX/XX/2023 statement. She stumbled over a few words, then the line went silent but remained connected. So, I called back to restart the entire process over again and this time, reached someone else who seemed to be working overseas and not entirely fluent in English. Same process. He confirmed that the fees would be refunded and account closed ( please double check ). I then asked him a question on my XX/XX/2023 statement : transfers from investments reflects {$9300.00}, and assuming they were transferred out of investments and into the XXXX XXXX, if {$6000.00} was withdrawn YTD, where is the remaining {$3300.00}? Or, how do the figures in this YTD table read? I've had to call twice, spending 32 minutes on the phone now, and nobody is able to answer. 

1. Please reverse the fees and close the account.

2. Please address my question
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I disputed items on my Transunion credit report ( see attached letters and certified receipts ). On XX/XX/2020, I received dispute results from Transunion. Two items were deleted as requested, a phone number was added, a address remained, and information was updated. However, Transunion did not provide me with their method of verification as requested on XX/XX/2020. On XX/XX/2020, I sent another letter demanding to see verifiable proof with my signature on it ( see attached proof ). Under FCRA 611 ( a ) ( 7 ), Transunion was suppose to provide me a description of the procedure used by there agency in providing all information to the creditor associated with my earlier dispute on XX/XX/2020 in which Transunion failed to do. Based on FCRA 611 ( a ) ( 2 ) ( B ), Transunion were required to forward all of the relevant information I provided by them to the creditor for their investigation of my dispute. On XX/XX/2020, Transunion wrote a letter stating they have verified the information through the data furnisher, but failed to disclosed who the data furnisher was as requested initially on XX/XX/2020. I have yet to hear from them regarding the other disputes in question.
Product: Checking or savings account

I opened a Bank of America account on XX/XX/year> I deposited {$30.00} into the bank account the following day. After that, I continue to deposit funds into the account over the course of XXXX days then I was locked out of the day I went to withdraw funds I could not withdraw any funds, then reached out to call and find out the reasoning behind me not being able to use my funds and then they announce that there was a closure and that they would not be able to provide specific reasoning to my closure. Besides, I had application and they couldnt verify my identity, but I have had no problem with any credit cards or anything verifying my identity as they couldve just requested a ID or Social Security or whatever forms of identity they needed instead of closing the account then when I proposed that I can just bring that they said still said that they are closing the account and need to figure out a closure date. This puts me in a really grave situation as I needed access to my funds today.
Product: Mortgage

In XXXX of XXXX i had a family emergency, so CHASE bank JP Morgan returned my payment for me that was XXXX. and in XXXX i made a payment XXXX the same up to XXXX then in i was put on forbearance plan to make up for XXXX because i was denied repayment plan for that month. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX payment went to XXXX >XXXX payment went to XXXX >XXXX payment went to XXXX >XXXX payment went to XXXX> XXXX payment went XXXX. that left XXXX, XXXX and XXXX Three payments payments then i made a payment of XXXX that got returned. that would have covered two payments i was behind then in XX/XX/XXXX i made XXXX ,XXXX and XXXX =XXXX, monthly payment is XXXX so that would cover only two payments XXXX, XXXX and XXXX. XXXX with suspense XXXX then in XXXX i made a payment XXXX that went XXXX > then in XXXX i made payment XXXX that went to XXXX >then XXXX i made two payments XXXX that would make two payments that cover XXXX and XXXX then i made payment in XXXX that cover XXXX payment. XXXX leaving me owing for XXXX. with XXXX in suspense XXXX XXXX +XXXX XXXX+ XXXX XXXX and XXXX +XXXX = XXXX paid to Chase payment of XXXX x XXXX and i paid XXXX in 4 months then in XXXX Chase said i owed 4 payments by payment history i didn't owe for for 4 months in XXXX to XXXX XXXX XXXX , JP Morgan Chase i talked to her on XX/XX/XXXX but in XXXX i looked on my account i owed 4 payments so in XXXX i made two to stay out of foreclosure but after talking to XXXX XXXX XXXX she said i was still behind two payments and for repayment i have to pay my regular mortgage and half of the two payments that beXXXX plus my payment that be XXXX for four months when i don't owe it. XXXX also said they was no payment in XXXX but they was i sent proof so XXXX payment went XXXX .XXXX  payment should have went XXXX, XXXX to XXXX XXXX i made two payments to go to XXXX and XXXX then XXXX payment go to XXXX with money in suspense so i should owe less than XXXX i have added and added and this is the is how it should be
Product: Credit card or prepaid card

I used this prepaid card for incidentals when I stayed at XXXX XXXX. They HELD {$110.00} and the hold was lifted on XX/XX/XXXX. To date my money still has not been returned. When I called Vanilla Gift Cards they said it won't be released until XX/XX/XXXX. Their policy states 7-10 days. They had no reason when I asked why it hasn't it been released. They attempted to blame the merchant, when I called XXXX XXXX confirmed the money was released on XX/XX/XXXX at XXXX. I am requesting my money to IMMEDIATELY get put back on my card. Furthermore, the charge from the hotel was {$100.00}, but vanilla charged {$110.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I saw that my credit score is low. I have no idea why I see that information on my account. I didn't applied for anything. I believe that someone used my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX due to my now ex-husbands failed business, we filed joint bankruptcy. Since bankruptcy as an individual is not an option when you are married, I had to file as well. 

In XXXX of XXXX, while in the middle of getting a divorce, I petitioned the court to be removed from the bankruptcy. I was granted a Voluntary Dismissal from the CASE in XXXX of XXXX, so that he could proceed on his own. While applying for a mortgage in XXXX, it was brought to my attention that a Bankruptcy XXXX was reflected on my credit. HE asked to have the CASE dismissed in XXXX. The order from the judge usages the language of *his* case and *him* only. 

A dismissed party means that the I am not a part of the bankruptcy case and should not be affected by anything that happens in the case after I was dismissed from it. I called and spoke to the judges chambers, XX/XX/XXXX, and my understanding is correct. I was dismissed from the case, and therefore the case dismissal itself should not be affecting me. 

I have disputed this several times, reporting that there are multiple errors. It comes back verified as accurate every time. It in fact is not and has no less than XXXX errors.
Product: Credit card

my credit card payment is due the XXXX of the month. i paid early XX/XX/XXXX for my XXXX due date. money was taken out, then the XXXX XXXX XXXX i get a email saying my payment from the XXXX didnt go through so they refunded me and are now charging me a late fee and i need to re make my payment. when it shows in my bank and the app the payment went through. so it messed my credit up. ive never had a late payment until then. they never called, texted or emailed me saying there was an issue with the payment. if it was returned the same day, why wait almost a week to tell me?!
Product: Credit reporting or other personal consumer reports

This is my first request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account. 
XXXX XXXX XXXX  XXXX Balance Owed : {$52.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 7 years my credit balance with American express has been showing that it is {$15000.00} which is incorrect. I have contacted American express in regards to this issue numerous times in the past 7 years. Unfortunately American express never took care of it, at times when I called XXXX they provided me with incorrect information that they have been updating my credit report to the bureaus and it is the credit bureau 's fault that my credit report is not been updated. This is false information, American express has the worst customer service ever. 

I contacted the credit bureaus as well numerous times, and they kept informing me that the information they have is been reported by American express and it can not be updated not until the credit card company ( XXXX  ) send them a new update. American express has been giving me the run around in regards to this matter for several years. 

This is ruining my life, Among other things, I have been denied rental and employment due to this matter.
Product: Consumer Loan

Wells Fargo continues to report an unresolved auto loan balance on my credit report that is not my responsibility. I have contacted Wells Fargo about this on numerous occasions, and provided them with the court documents which transfers the liability, but they refuse to take action.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

ADDITIONAL INFORMATION RECEIVED REGARDING COMPLAINT FILED ON XX/XX/22 ON THIS SITUATION COMPLAINT # XXXX. 

Was able to contact the MI insurer, XXXX, who is the entity SPS claims to be awaiting decision from and I was advised that on XX/XX/22 XXXX reached out to SPS requesting additional terms and has yet to obtain a response to their request of XX/XX/22. The assigned loss mitigation specialist at XXXX, has internally followed up with the servicer and no response. Yet when you contact SPS for status you are told that they are awaiting a decision from XXXX, that XXXX has it under review which is not the situation. Multiple calls have been made to SPS escalation team, the Ombudsman department, and they have no mention of this information. If XXXX does not receive the " terms '' they requested on XX/XX/22, the file will subject to yet another valuation and the homeowner would need to once again for the 4th time provide updated financial information. SO basically starting the process over for the 4th time. The homeowner who is a veteran of the XXXX forces  and under medical attention needs to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Financial did 2 hard credit inquiries on XX/XX/20. Only gave permission to run credit once
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block inc. ) due to inadequate customer service and unfair practices, which violates the cusumer financial protection act ( CFPA ) 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 act ( EFTA ) and regulations E.these actions have caused significant inconvenience and financial loss and I seek appropriate redress these violations.
Product: Mortgage

MY MORTAGE COMPANY CHANGED MY INTEREST RATE FROM 6.75 % to 18 %! 
MY MONTHLY PAYMENT WENT FROM {$3800.00} TO {$8900.00} MORE THAN DOUBLING MY PAYMENT. 
They say it was in the contract that I signed at closing but if it was, it was some very fine print. 
I was lied to from the beginning. At the closing, I needed more money than I thought I would and I was worried about it but the lawyer said " don't worry, now you don't have to make a payment for 2 months ''. 2 days later I got a letter in the mail saying my first payment was due in less than 3 weeks. That payment was late but not more than 30 days. 
In the 12 months I have had this loan, They have changed servicers 4 times. Every time, they give me little to no notice. Each servicer handles the payments differently. One only takes payments online while the next takes them over the phone. The next will only take 1 lump sum when the last one would let me make more than one payment during the month to get it paid in smaller chunks. I never know the rules and sometimes I don't know who I am paying. 
At one point I had made my payment over the phone with the servicer and paid what they said had to be paid and the next month I was told that the last months payment was being held up because I hadn't paid the late fee associated with that last month so it looked like the payment was 2 months late when it wasn't. Then the next month on the phone the servicer ( a different person, same company ) told me that late fees are all saved until the end of the loan. 
THE KICKER : Last week ( XX/XX/2023 ) I was told that my payment went up because I got my interest rate changed to 18 % BUT... if I can pay XXXX 's payment by the XXXX they will bring my interest rate back down to where it was. It seems like extortion to me and I don't like it. I don't understand how this can be legal. I don't want them to foreclose on me but brining my interest rate up so high is ridiculous. If I was having a hard time paying it before how can they expect me to pay it now. I feel like it's just a way for them to lead me into foreclosure because I have a good amount of equity. 
The last time I spoke to my servicer and they told me about the increase I told them that on the website it says " click here if you need help paying '' so could I ask for a forbearance or something like that and he said you can ask but they are going to say no right away! Why do they have the button if they aren't going to help you? So I said I will try to refinance and he said the 5 % prepayment penalty and the bad reports to the credit bureau are going to make that impossible. I'm XXXX
Product: Debt collection

Asset Recovery solutions LLC has infringe upon my right to privacy as a consumer. In they are in violation of the following sections of the Fair debt collection privacy act. 

1. 1692b ( 2 ) 2. 1692b ( 5 ) 3. 1692c ( 3 ) 4. 1692d ( 2 ) 5.1692c ( 1 )