23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

( For context, this all took place between XXXX XXXX and XXXX XXXX ) I had an account with XXXX XXXX for my apartment 's wireless and cable. I tried to transfer it into my roommates name before I moved to KS that XXXX ( XXXX ). She declined to continue service with them, and I arranged for them to come pick up the box. They did not show up, despite multiple attempts. I did not have a car at the time, and my roommates were unable to get to the only store in the area ( many miles away ). I moved in XXXX and attempted again to schedule a pick-up, to which no one showed up, again. 

Fast forward several months, and XXXX attempts to collect a debt it says I owe. I refuse, since I am now 1500 miles away and availed them of numerous opportunities to pick up the box while I was living in the area, and they never showed up. After a few phone calls, I arranged with one of my roommates to ship the box to XXXX. She said she had, and as of XXXX XXXX I assumed all was well. 

Come XXXX I get a call from XXXX XXXX XXXX XXXX a collection agency, saying that my account is now in collections and that I owe over {$400.00} for the box, but that they would settle for XXXX {$300.00}. I maintained that they should have received it, and that I would check with my former roommate to follow up. As I am still 1500 miles away, I am limited in how much I can do in this situation. After several conversations with an extremely rude, pushy, and impatient collections agent, I offer to spend the XXXX break trying to determine exactly what is going on. I come to discover that my former roommate believes it was stolen. Since I can not do much in any way to manage this situation, I call XXXX after the break and attempt to reach a payment arrangement that fits within my tight budget. 

This is where my complaints come in : the collections agent I spoke with was extremely bullying, twisting my words, pressuring and pushing me, and refusing to agree to a payment arrangement I can actually afford ( I proposed $ 25-50 per paycheck, for a repayment schedule of 6-10 weeks ). They repeatedly called me while I was at work, despite my repeated requests that they not call me between the hours of XXXX XXXX and XXXX XXXX  CST. ( They were extremely indignant that I would make any such request, and became very angry. ) They demanded I pay two {$140.00} payments, the first by the end of the month ( XXXX XXXX, precisely, and the second XXXX XXXX ), which I stressed I can not afford. They began berating me and twisting my words to make it sound like I was misleading her all along. They refused to send me a bill, or allow me sufficient time ( an extra two weeks ) to make sure I have enough money set aside, and refused to give me anything in writing ( which really upset me, as I prefer to have everything in writing ). I tried to explain my situation and come to a reasonable and fair settlement, but the collection agent was extremely hostile, continued to misrepresent my words and badger me about the situation, and made me extremely uncomfortable. The entire time we were talking, they insisted that I was being unreasonable.
Product: Mortgage

I asked for a loan Modification which was finalized XX/XX/XXXX. My mortgage prior to modification was {$140000.00} plus {$60000.00} added to the back of the mortgage. This {$6000.00} was for taxes and insurance that XXXX XXXX had erroneously paid on my behalf. When the error was realized thy wanted to increase my mortgage from $ 906 monthly to $ XXXX+ then was told it was {$1800.00} +. I stopped paying as I could not afford this sharp increase. Servicing of my loan was transferred to Select Portfolio. A modificaton was done with a 2 % interest decrease. My home was appraised for {$45000.00} in XX/XX/XXXX and {$71000.00} XX/XX/XXXX. My mortgage now stands at {$210000.00}. Taxes and insurance are now included and payments mostly covers interest with less than {$100.00} going towards principal. At this rate I will never own this house. I need some relief like Principal reduction.
Product: Checking or savings account

I received a letter in the mail on XX/XX/2022 containing a Serve American Express Prepaid Debit Card. The letter also references XXXX XXXX XXXX XXXX. I never requested this card, and I have never set up an account with American Express, XXXX XXXX, or Serve. I am concerned that my identity has been stolen, and that someone else has opened this in my name. I tried to contact Serve and American Express on XX/XX/2022 at XXXX XXXX. I called American Express first, and they informed me they were not the ones to talk with about this, and gave me the number to Serve 's customer service. When I called that number, I could not speak with a representative without providing my full social security number, which made me very uncomfortable. I need this account closed, and any identity theft to be addressed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like to file another complaint against XXXX again. It took them over 10 months to resolve a fraud case that occurred on my account. Initially, they wanted me to pay {$5600.00}, and I told them that Im refusing to pay that amount because Im protected under the fair credit bureau act, and the legal authorities all confirmed that I dont owe a dime to them because theyre the victims now. They would lie about my statements being over {$4000.00}, so I would draft that amount out of my XXXX XXXX account and pay them, that balance would never drop, and when I called them they said they never received a payment, but theyre using underhanded tactics to scam and try to get more money from me. They would send me fake emails saying thanks for paying {$84.00} when I never paid them that amount saying that it was probably auto draft payment, and thats a lie because I never enrolled in auto draft options. They would re-open a closed account and send me a replacement card after I filed for fraud, which made no logical sense saying that was the default option meaning that they would take my personal account and make changes without my permission or knowledge beforehand and make things up as we go. So, I would have to call back and close the account and reject the replacement card because I never consented to such illegal activities. It took them 10 months to resolve fraud activities on my account which had detrimental effects on my credit score. It went from good standing XXXX something down to XXXX because it took them that long to figure out the fraud activities on my account. Now theyre asking me to send a final payment of {$1600.00} which I would like to dispute because theyre disregarding the laws and rules here that protect consumers from any liabilities related to fraud. So, Im filing this complaint because ( 1 ) My credit score got messed up because it took them a long time to resolve a fraud claim ( 2 ) Theyre asking me to pay more money which Ive compensated them enough for in the past by forwarding over {$4000.00} that shouldve covered the balance that never dropped a few months ago, and theyre denying to recognize that Im protected under the law from fraud and any charges thatve accumulated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and notices some missing payments and a collection account I am unaware of. 

Please investigate the following account need be reviewed and updated : XXXX   XXXX has not reported payments for XXXX, XXXX, XXXX and XX/XX/2019 XXXX XXXX XXXX - Account : {$540.00} Balance {$450.00} Original Amount I do not recognize this account and it does not belong to me please re-investigate delete this account from report. 

I have been wrongfully denied credit due to the following reporting mistakes. I have enclosed my ID and a bill as requested
Product: Credit card or prepaid card

I received a bill for a credit card under Capital One. Then later on, when I pull my credit report to prepare for a mortgage loan, on my credit bureau report, there is an unpaid balance of XXXX under my name and account number is XXXX. 
However, I never had any credit card account with Capital One. I only have a debit card, and my Capital One app also doesn't show any of Credit Card. 

XXXX and XXXX XXXX apps also didn't show this card. 

I don't understand why do I have an unpaid balance although I have never opened a credit card with Capital One. 

Please help to address this and remove this account
Product: Vehicle loan or lease

I have tried to contact this bank many times. But the letters keep coming back saying the address is incorrect. I used the exact address listed on my credit report. I tired calling but the phone number don't work. But this company keep reporting on my credit report. Saying I'm delinquent. And this was a loan from about 6 years ago. And there's no way to contact them. This needs to be removed off my report. And I need proof of this account.
Product: Student loan

Monthly payments of {$100.00} do not get posted every time. Maybe 3 of 6 are not posted. 
And, when the payment is posted as the XXXX it is shown as {$11.00} to principal and {$88.00} to interest. Other months the principal and interest amounts are all over the place. 
HELP!!!
Product: Money transfer, virtual currency, or money service

Investment account with XXXX. All of my funds were in the Interest Account ( ~ {$8800.00} ). They have closed access to withdraws or any transactions, will not respond to any customer service lines, and essentially locked me out of my funds. Accounts were locked in mid XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! 
I signed up with Creditrepair.com which is also know as XXXX in XXXX of this year. They agreed to fix my credit for a certain amount amount each month which was drafted from my checking account each month until XX/XX/2022. I made a call to my bank to stop payments to the company. My credit has not improved I feel my credit had gotten worse since signing up with the company. I asked them several times to show me where my credit has improved I was told that things was going to start coming off my credit and the scores would improve. I assured them if I don't see a change I would cancel the service. I even sent them several emails asking them not to take anymore money from my account when I became unhappy that my credit did not change. I also have proof the funds was taken out of my account. I was able to attach the proof blew. I am filling a compliant because I would like a full refund from this company in hopes to repair my credit on my own.
Product: Payday loan, title loan, or personal loan

In Augst of XXXX, I took out a {$900.00} loan with First Virginia Financial Services , LLC located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I began payment on the loan in XX/XX/XXXX. I made payments on the loan and was informed when I was XXXX payments away from payoff that the company was being taken over by new management and the company was now called XXXX XXXX XXXX. I made the payments to this location but was told my account was sold to XXXX XXXX. I called their " corporate '' headquarters to discuss payment of the balance. I was told that my payments were only paying fees and not the actual loan. When I moved from XXXX to XXXX, I went to First Virginia location located at XXXX XXXX and asked for copies of my statements. I was given of the statemnts from that account. I was shocked to see the interest rate and also how many late fees were tagged on even when I paid in store. As of XX/XX/XXXX, I called to see what the status of my account was as I had not received any forwarded statements. I was told by the representative that my account balance was {$1200.00} with no interest fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the two Collection Agency and the accounts have be paid in full. Please remove XXXX XXXX XXXXXXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following names are on my TransUnion report and I have disputed them and they have not removed it from my report. I have not used any of these names and I need it to be removed from my report. XXXX XXXX, XXXX XXXX or XXXX XXXX. Under the XXXX.S.C 1681 section 602A, states that I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

This company continued to charge overdrafts for a total of XXXX $ - They offer no ability to catch us and charge every day. I have tried to reach out to the company to see if they would be willing to negotiate the fees with me due to recently losing my job from the horrendous economy we are in and covid and they were unwilling to budge on any of the fees. I need help desperately. This should be illegal to charge that much money in fees especially in this economy.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is inaccurately reporting late 's on my credit file for the months of XX/XX/2019 through XX/XX/2019. I paid my full balance off completely. I was not advised about any interest fees thereafter my balance was paid off. for 3 months, I did not receive any notifications, letters, or any phone calls that I had a balance until I checked my credit file and noticed the lates. They had my email address wrong in their system. They agreed to remove all the fees, yet they are still showing a balance and late charges on my account. I request they remove the lates and fees as this was not my fault!!!
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 Sec. 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, Equifax, XXXX are all consumer reporting agencies, and I am the Consumer. I do have the right to make sure my private information Is not shared which is backed by 15 USC 6801 that states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers, and to protect the security, and the confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution under 15 USC 1681 Sec. 604 section 2 states that In general Subject to subsection ( C ). Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, Equifax, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ).

It states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission, which is against the law. 15 USC subsection 1681s2 ( A ) ( 1 ) A states 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. 15 USC subsection 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 168
1b of this title. 
XXXX, Equifax, and XXXX do not maintain reasonable procedures. 12 CFR subsection 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

XXXX ran a hard inquiries 2 times
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting agency is reporting 2 accounts that has been verified to be deleted from my report. I am uploading proof from XXXX credit reporting agency that the results of the investigation is the items were deleted. XXXX should be receiving the same instructions to delete. However they just keep reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has furnished a charge off account to my consumer report to the consumer reporting agencies in which in turn have directly affected my financial reputation. This company has failed to abide by the Gramm-Leach Bliley Act of 1999 ( GLBA ). I DO NOT AND DID NOT CONSENT to the furnishing of this information. I am aware that I have the right to privacy of my non public personal information in accordance with 15 USC 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by XXXX  XXXX to neither XXXX  ( XXXX, XXXX, Experian ). 

XXXX  XXXX did not disclose to me my right to opt out of disclosure of my non public information. I was not given the opportunity to opt out out of the disclosure of my non public personal information and I was not given any directions on how to exercise my right to opt out of said disclosure in accordance with 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. XXXX XXXX is in violation of 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements.

I ask of this company This notice is a CEASE AND DESIST of all illegal activities, including reporting which constitutes collection activities. Im this complaint I am exercising my right to prevent the processing of my personal data by XXXX XXXX for the account opened XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX ALLY FINCL XXXX XXXX ALLY FINCL XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( 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.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Debt collection

The company just recently tried to contact me once by phone about 2 weeks ago about making monthly payments have not received anything in the mail.Until it's paid off the guy was understood my situation have have work since XX/XX/2019 lost everything I owned during the hurricane last year can't even XXXX my XXXX XXXX XXXX  and gettng around in a XXXX. Can't afford to go to doctors to get the XXXX  need for my XXXX with no income. It shows on my credit report as it been charged off so trying to understand now why would I be sued instead of trying to be giving a chane. The amount is XXXX XXXX that is owed and willing to try and pay something monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted transunion on XX/XX/2019 to dispute amount on report XXXX $ not the same amount on other credit reports acct number XXXX