23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am receiving more than one attempt to collect the debt per day up to four calls a day, including Sunday 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted for some unauthorized inquires on my profile I request documented proof of these hard inquires. And i was NOT provided any type of proof. Under the fair credit act as a consumer I am able to request this information. Which I have and haven't received anything. I received a response that the inquires were verified, but was not given any documented proof of these ALLEGED inquires. This is against the law.
Product: Payday loan

I am a victim of identity theft. I learned that my personal information was used to open an account at Cash Net USA. I did not open or authorize this account. 

I filed a police report as well as an Identity Theft Report with both the State Attorney General 's office and the Federal Trade Commission. 

I notified the company by email ( XXXX/XXXX/16 ) and in writing ( XXXX/XXXX/16 ) that the account was fraudulent, provided the Identity Theft Report, and requested police report. I asked that they investigate the matter, close the account, absolve me of all charges, take the steps required under the FCRA and send me a letter explaining their findings and actions. 

They have not responded to my requests and have continued to send me overdue notices on the account.
Product: Debt collection

I was contacted on XX/XX/XXXX by XXXX XXXX regarding XXXX XXXXXXXX XXXX. The debt collector stated that I owed XXXX to XXXX XXXX for exclusion work that was contracted on XXXX XXXX ; however, this debt is not valid since XXXX XXXX exclustion never preformed the work. I took off work on XX/XX/XXXX because that was the day the exclusion work was to be done. The company was a no call/no show. I called the company the following day to express my displeasure with lack of professionalism. They explained to me that an employee had quit and that they were down a truck, and therefore unable to complete my service. I informed them due to the lack of communication, no call/no show, to cancel my contract since I lost confidence in their business as a consumer. Friday XX/XX/XXXX, the company charged my credit card for services not render. I contacted XXXX XXXXXXXX XXXX, and was told the charges would be reversed. I contacted XXXX my credit card to dispute the charges as well. Now, almost a year and half later I a get a calls and letter from a credit debt collector trying to collect on a debt that is not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

A late payment is reported on my credit report. XXXX had my wrong address, I wasn't receiving any mail-in statements or bills. Online website was changed and I was unable to see any payment requests.
Product: Debt collection

XXXX Notice for validation. This debt was put on my credit report without notice and i would like them to validate that the debt with a itemized bill to confirm amouts owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, XXXX : While I opted into use these services ( by way of signing up for credit lines ), I really had no choice. There has now been a data breach caused by their ineptitude, where my details are now for sale on the XXXX market, and yet I am expected to PAY to freeze my credit and protect myself. 

I could not reasonably avoid sharing my data with these companies, but I 'm expected to pay to protect the data they took from me and lost?
Product: Credit reporting or other personal consumer reports

XXXX and XXXX are recently reporting a closed account over 10 years old Regions Bank which is hurting my score, violating my privacy rights, and consumer laws. This should not be reported as the account has aged out of the consumer reporting law. Please remove this completely from my credit report.
Product: Debt collection

My name is XXXX XXXX and I am writing to lodge a formal complaint against XXXX XXXX agency who is repeatedly ( numerous times in a day ) calling me regarding a debt in the amount the I dont owe. Procollect states that I owe {$8900.00} and I have an email from the apartment complex that states I owe roughly 3,700 as a balance. There are fraudulent charges including charges for us not returning keys and drywall repairs which is totally untrue. The apartment was left in prestine condition and all we owe is for the two months rent which equal up to a little over 4,000 but minus security deposit equally around 3,700. I have repeatedly requested a complete validation of debt and have not received anything.

Procollect is attempting to collect on an amount that is not owed, repeatedly contacting my phone harassing me for payment on a debt amount that I do not owe. 

Cease collection on an invalid date were I dont owe the amount they are attempting to collect and cease a desist collection. This has been reported to my credit report and is an attempt to collect on an amount not owed.
Product: Credit reporting or other personal consumer reports

CONSUMER XXXX XXXX Amount {$22000.00} is not my auto loan. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.
Product: Credit reporting or other personal consumer reports

TD bank made severe errors in billing resulting in monthly payments due over agreement amount. TD refused to remove devices from account that I didnt own resulting in payments over contract amount. Started charging late fees because I wouldn't pay for device 's on account that I didnt own. Never made corrections as requested in a previous complaint. Didn't notify credit bureau the account was in dispute. Repeatedly added fees for being late when it was a clerical error on their part. And refused to remove those fees when requested. This should be breach of contract for charging incorrect monthly amount. The fees were a result of their own clerical errors and should most definitely be removed. The included email is from XXXX on the device and amounts purchased. Other documentation shows the dates purchased and total months financing period. All of this was in error on TD bank part and purposely reported to credit bureau knowing this. A direct violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to the  XXXX  credit reporting agencies also   XXXX   XXXX   about having this account removed. It has not been verified with the first round of disputes. All I get back is a generic response that it is valid with no verifiable letters. My credit reports have this listed as charge offs and it needs to be removed from my account. My second round of disputes went out and I still have not received anything from them
Product: Credit card

To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint against American Express ( Amex ) for failing to resolve a dispute with a merchant, XXXX, in a fair and thorough manner, and for rebilling a charge to my account despite clear evidence of the merchants failure to adhere to their own stated policies. 

Complaint Background : On XX/XX/year>, I was charged {$1500.00} by XXXX for a non-refundable hotel reservation. XXXX policy, as outlined on their website, explicitly allows for name changes on reservations, either by contacting the hotel directly or through XXXX ( XXXX XXXX XXXX  ). On XX/XX/year>, I attempted to make a name change to the reservation in compliance with this policy. I contacted the hotel, which confirmed that a name change was possible, provided that XXXX coordinated directly with them. I immediately relayed this information to XXXX, including the hotels contact details. However, XXXX unreasonably refused to process this name change, citing generalized fraud concerns without substantiation, making it impossible for me to use the reservation. 

Furthermore, XXXX suggested that I cancel the reservation, stating they would review whether any fees could be waived. Despite following this instruction, XXXX neither waived the fees nor followed up, forcing me to seek dispute resolution through Amex. I initiated the dispute with Amex, providing full documentation that XXXX  failure to honor its policies made the reservation unusable and cancellation unavoidable.

Amexs Decision and Basis for Complaint : Amex has since rebilled the disputed amount to my account, stating that XXXX  non-refundable policy applies and that I contacted XXXX outside of the cancellation period. Amexs response, however, fails to address the fundamental issue of XXXX refusing to honor its name-change policy, which was central to my claim. Their refusal made it impossible for me to use the service as paid/described. I provided Amex with complete documentation of XXXX policy and my communication efforts, which should have factored into their determination. 

In re-billing this charge, Amex disregarded the merchants failure to uphold their published terms, effectively holding me financially liable for a service that XXXX denied me the ability to use. This decision, I believe, is a breach of Amexs responsibility to fairly and objectively assess evidence in disputes, particularly when a merchants failure to follow their policy directly causes the customers inability to use the purchased service.
Product: Mortgage

I'm not required to have an escrow account for my home loan, with PHH the loan servicer for Ocwen, but Ive just left it there but I recently noticed that the mortgage company is collecting more than the amount that they had to pay out for my property taxes and homeowners insurance so I had made and inquiry back on Match XXXX to remove the escrow account so I will pay for my own property taxes and insurance. They came back saying that because there's a payment due on the escrow account with 30 days which was my 2nd property tax installment on XX/XX/2022, they were not able to close the account. After emailing and calling multiple times to make sure their representative told me that once the property taxes are paid on XX/XX/XXXX as scheduled by them I will be able to request for the removal of the account and that they won't be able to close it before then. They also sent another email stating that they CAN NOT close the escrow account because the signature on the form sent in was not the same as the signature they had on file so another reason they CAN NOT close the escrow account. This while time of almost a month of calling and emailing and getting updates on when they will pay my property taxes so I can close the escrow account they kept giving me the run around and excuses getting no where. Today in the 12th I went online to check to see if my property taxes has been paid but and to my surprise it HAS NOT! They refused to close my escrow account on the reasons stated but they went ahead and canceled the property tax payment they were supposed to pay on XX/XX/XXXX from our escrow account! I called them back and again they gave me the run around and saying they will get back to me and nothing ever gets done. They DID NOT say anything about not paying the property taxes nor mentioned anything about the property tax payment being canceled because they would NOT close the escrow account for us citing the reasons above. Now the property tax payment is past due with penalties at {$4600.00} instead of {$4200.00} that was supposed to be if paid by XX/XX/XXXX. They seem to be polite and helpful when you call them or email but its all a scam because they did not do anything to help or resolve your situation they just masks it and XXXX you over if you don't follow up and keep an eye on them.
Product: Checking or savings account

My identity has been compromised since the year XXXX. The thieves used my stolen information to open a bank account with XXXX  XXXX XXXX. I became aware of this situation on Thursday, XX/XX/XXXX after I attempted to open a checking account with XXXX XXXX. At the branch, I was denied the checking account and was informed that It was due to a negative balance with a previous bank account. Afterward, I then reviewed my consumer disclosure report on ChexSystems.com, and that's when I discovered this negative XXXX XXXX XXXXXXXX account. I have never had an account with XXXX XXXX XXXXXXXX. This situation is a significant inconvenience and has drastically hindered my ability to open a checking account. Please investigate and remove this bank account from my consumer disclosure report and uphold my rights furnished by the FCRA.
Product: Money transfer, virtual currency, or money service

MY LETTERS TO CASH APP For your reference, here are the 2 previous sham " investigation '' case numbers i had. case # : XXXX and XXXX. I hope this new investigation is real and not a 3rd exercise in futility. So far CASH APP is 2 for 2 in one-sided reviews done solely for the benefit of cover for CASH APP to deny all claims. I still don't understand how a financial institution worth over {$100.00} XXXX, who spends probably hundreds of millions on customer acquisitions, can treat customers and customer claims like a bankrupt, 3rd tier insurance company.
Product: Debt collection

I purchase a  70  inch TV from hhgreg I paid as agreed until the balunce was at  XXXX  and I got a warranty with the TV well the TV screen out and they did n't want to honor the warranty I am a mother of  XXXX  kids and I had a warranty until the TV was paid in full and they was talking crazy to me every time I was asking them about the warranty for my TV I would get the run arounds and and 3 year later they tying to collect
Product: Credit reporting or other personal consumer reports

Failure to Comply with Cease and Desist Letter Under 15 U.S.C. 1692 ( c ) of the FDCPA I am submitting this complaint because I sent a cease and desist letter to [ Debt Collector/Agency Name ] under 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), requesting that all communications regarding disputed accounts cease. Despite this, the accounts in question are still being reported on my credit report, which I believe violates my rights under the FDCPA and possibly the Fair Credit Reporting Act ( FCRA ).

The accounts are inaccurate and should not be included on my credit report. I have taken the following actions : Sent the cease and desist letter on XXXX via certified mail to ensure receipt. 
Included specific disputes about the accounts and provided all necessary supporting documentation. 
To date, these accounts remain on my credit report, which has caused continued harm to my credit standing and financial well-being. I believe this is a violation of both my right to have accurate credit reporting and to limit communications about disputed debts. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure the collector complies with the FDCPA and that the inaccurate accounts are promptly removed from my credit report. 

Thank you for your assistance. 

Additional Information : Debt Collector/Agency NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I recently relocated to Florida and grounded my XXXX XXXX XXXX purchased in Iowa. I called in for the payoff upon trading my vehicle in for a XXXX XXXX and the dealer issued payment for the remaining balance. After XXXX received the payment, there was still a balance of {$330.00} reflective on my online account so I called in to verify what it was for. The representative told me the taxes applied monthly to each payment were actually removed since a lump sum was paid at once and the {$330.00} was what was left on my account. Upon fulfilling the {$330.00}, I would then receive the disposition fee of {$350.00} along with any fees from damages found. Not even a week later I received a bill in the mail for {$1400.00}. I have called several times to verify these charges and no one will call me back. They have threatened to place my account status under a voluntary repossession if they do not receive their payment 30 days of the notice. I have no idea what this charge is and can not get ahold of representative or XXXX with an answer. I 'm starting to think they do n't even know. I am a victim of XXXX XXXX and a single mother ; if I knew this amount was due the dealer would 've covered it. I have never missed a payment with XXXX. I can not afford to pay this along with my current bills.
Product: Debt collection

This Company is trying to collect a debt that was fraudulent from the start, I extended my credit to them. 

The violated 15 US 1605 ( a ) ( c ) This transaction included a finance charge and finance charge includes insurance which protect creditors against the obligors loss and or or property damage. And they did not include insurance in my finance charge. 

A finance charge is sum of all charges in consumer credit transaction and does not include cash this company took cash {$6500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Four times this year, someone has been able to access my credit card account and change my address to get another credit card and 1 time in Florida that tried to use it to get {$250.00} if the card. Even though I have a freeze on my account, and they are suppose to send a code to my phone to make any changes. 3 times it was for an address in Florida and 1 time it was for an address in XXXX, California, which I haven't lived in XXXX, California in almost 9 years. I just found out on XX/XX/2018, that someone tried to get another card from my account, even thought I have a fraud alert and I froze my account. Everytime this happens it lowers my credit score.  I have a XXXX credit score and I'm trying to buy a house. I don't want to close this account as it will lower my score even more. I have 7 credit cards and this is the only one that keeps getting hacked. I'm thinking now that it is an inside job. No matter how my alerts or freezes I put on this account, even changing the name to my married name, someone is still able to access this account. They have sent me 4 new cards  and it hasn't done any good. I WANT THIS TO STOP. I'm going to pay this account off and never use this account again. I shouldn't have to do this.
Product: Checking or savings account

Hi I am in great need of help. 

My name is XXXX XXXX and I went through a year long audit last year that resulted in my XXXX tax return going to a now closed bank account at Bank of America. 

My return was for {$11000.00}. The money was deposited on XX/XX/XXXX and my account was closed on XXXX XXXX. 

My emergency economic payment of {$5400.00} was also deposited into this account. 

Now, the difference is I was not expecting my return so I never called to see if it went to this account. I was expecting my stimulus and was curious so I called my closed account and could hear the deposit was indeed successful and was gone the next day. 

Mind you the IRS only had that account info so everything as far as numbers had to be correct because I could hear my money. 

Since that day I have been desperately calling BOA to track the return of those items. They have diligently denied the receipt of them and have maintained they sent them back to the Irs. 

It has been about 28 days and the IRS has let me know they have not received the money and will not reissue me anything until they do. 

I have read online about BOA routinely losing peoples refund and getting outside of a 90 window where they can no longer trace it. 

I have XXXX children my husband and I work hard to afford. I desperately need your help retrieving my money. I cant afford to allow anyone to steal it from me. 

Can you please tell me how to get this resolved. Thank you, XXXX XXXX
Product: Student loan

over the period of several years we have experienced a number of income changes and asked to have loans reduced to income adjusted. Being compensated by 100 % commission, we have had months where the money was not there to make the required payments. Therefore, we have been placed on forbearance numerous times. This has caused the student loans to accumulate to the point of no return. Right now the monthly payment is {$4900.00}. The overall balance as of XX/XX/2016 was {$440000.00} at an interest rate of 7.75 %. This is beyond manageable. I am XXXX years old and will never see this loan paid off. I stay in touch with Navient but they offer NO assistance other than " we can put you in forbearance ... I need help and have nowhere to go. This debt has been accumulated from loans taken to educate our XXXX children. No school or provider was ever interested in any type of student aid. This was the only option.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX XXXX Opened XX/XX/2023, XXXX XXXX opened XX/XX/2023. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # 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