23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Yesterday, XX/XX/XXXX I received a call from XXXX Judgment Solutions ( " FJS '' ). I spoke with a man who said his name was XXXX. He said that FJS is not a collection agency, but a mediation agency. He told me that I owed money from XXXX XXXX. I asked him for details concerning the debt. He said that I was sent a letter in the mail and that my only option to avoid being served at my home or place of employment was to enter into remediation. He said that FJS is in XXXX Wyoming. He said that the debt was from a XXXX XXXX chargeoff account. I contacted XXXX explained that I received a call from FJS and asked if I owed money to XXXX. I called FJS again and conferenced XXXX into the call. XXXX said he would consult with the legal department and return my call. I did not receive a return call but later spoke with XXXX XXXX XXXX who said that she would speak with the legal department and see what they could do to reduce the debt, but that the letter would be e-mailed to me. When I opened the email it came from the email address case management and was a docusign document - not FJS. I did not open the attachment because I was expecting a letter from FJS. XXXX XXXX called me repeatedly telling me my home phone number and address was proof that I owed the debt. I told her that was my previous phone number and address but that did not prove that I owed money. I asked her if she could provide me proof of the debt ( i.e. bills - she said they are not a collection agency ). She said that once we go to trial the bills and proof of the debt will be provided to me, but that if I choose to go to trial an additional cost of {$2500.00} will be added to amount owed - or she could help me out if I accept remediation. My home phone number and address are public information. That does not prove that I owe a debt. I provided FJS my email address so that they could forward me the correspondence I never received. If someone owes a legitimate debt then FJS should provide proof before offering a person remediation - or else. There are a lot of scammers out there. I told XXXX XXXX XXXX repeatedly that if I owe a debt, I will pay it, but just because someone gives you your old phone number and address is not enough reason to have them {$1300.00} or the {$900.00} that she negotiated with the legal department to help me out. XXXX XXXX said FJS is not a debt collection company, but they are offering me a deal to avoid court - or else. Please provide me proof that I owe a valid debt and I will be happy to pay it. Many people today are scammed by people strong arming them into paying off a debt for fear of the consequences. Telling someone that proof of the debt will be provided only at trial- doesn't seem quite right to me. I have attached the emails I received from " Case Management XXXX '' I do not open attachments that do not come directly from the company I am dealing with. Please advise.
Product: Debt collection

On XX/XX/year>, I entered into a contract with XXXX for a data plan intended for hotspot connectivity. The plan, which was data-only and did not involve any cell phone service, was initiated to provide internet access. Unfortunately, within the first 30 days of activation, the service failed to function leaving me unable to connect to the internet despite multiple attempts to troubleshoot the issue with XXXX 's technical support team. 

Despite my efforts to resolve the issue with XXXX on multiple occasions, the service remained unusable, prompting me to terminate the plan within the initial 2-3 months. However, upon termination, XXXX imposed an early cancellation fee, which I believe to be unjustifiable given that I never received the service I agreed to pay for. 
XXXX had a satisfaction policy that they did not adhere to. It was a part of our written agreement, my satisfaction was supposed to be guaranteed. 

Subsequently, the debt stemming from this early cancellation fee has been sold to multiple collection agencies. As a result, I have received correspondence from multiple entities within a short period, further complicating the matter. Attached, please find copies of the correspondence for your reference. 

I firmly believe that I should not be held responsible for a service that was never provided. The debt being pursued by XXXX and subsequently by collection agencies pertains to an early cancellation fee for a service that I did not receive and therefore should not be obligated to pay. This fraudulent practice is neither fair nor justifiable under the terms of our agreement or the FCRA. 

In the attachment below you will see an email that represents XXXX XXXX XXXX and True Accord but the consumer credit report entry for this debt references XXXX XXXX only. The Account represented in the attached pdf ( pages 2 and 3 ) below is connected to a True Accord account number listed in the email.
Product: Debt collection

The phone number listed for American First Finance is invalid. I want to call this business and get details.
Product: Money transfer, virtual currency, or money service

I was supposed to get a transfer for a car payment I recieved of {$8500.00} but cashapp said my account was fraud and I didnt get the money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX credit acceptance, Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX 15 U.S.C 1681 Section

602 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It als
o states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

The debt collector is reporting false information on a debt I do not owe. Trans Union is reporting false information.
Product: Payday loan, title loan, or personal loan

On approximatelyXX/XX/XXXXa loan was taken out with Myloansite for {$820.00}. Payments were to be submitted from my bank account every two weeks on payday until the loan was paid back. The first payment of {$240.00} was completed on my next registered pay day of XX/XX/XXXX with 19 payments of {$240.00} to be made every two weeks consecutively until the loan was paid in full. The total amount paid would be {$4900.00}. This loan has become difficult to pay back due to the high interest rate and fees. 

Upon further review I discovered that the practice of Tribal loan companies dispersing loans consisting of interest rates above state legal limits are considered illegal. In the state of Michigan where I reside, the rates Myloansite applies to their loans ( annual percentage of 664.97 % ) do not meet state requirements .This was not explained to me prior before I accepted the loan. I am now fully aware that legally I am not obligated to pay this loan back. However I do intend on and wish to pay back only the principal amount of the loan, but not the interest and fees. I willingly borrowed {$820.00} and will pay it back via payment plan, minus the {$240.00} I have already paid, for a total of {$570.00} I have reached out to a loan consolidation agency to help me coordinate this as well, and to show in good faith the rest of the loan principal amount will be paid back. 
At this time I also request that all communications Cease and Desist in regards to this debt. This is a notice that any phone calls from employees or registered agents of Myloansite to my place of employment, home phone, and references are to stop. My schedule makes it impossible to be available to receive phone calls during normal business hours. Be advised that any phone calls received in regards to this debt, will be recorded and by doing so after receiving this letter will be considered an acknowledgment of their agreement to being recorded. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00}
Product: Debt collection

I had an account with Walmart. I paid my account early and they changed the due date and I was being hit with late fees as my original due date was the XXXX. So when I paid early that is when the next bill was due. They also provided an original limit and then decreased the amount which made my credit score lower due to debt to ratio. Which I was not aware that they could go and review my score at anytime and lower my original credit card balance. I am receiving a minimum of 5 calls a day to the point I blocked there number. I have tried to discuss this issue before and honestly gave up. When they lowered my limit I was never late and I feel that it is a scam to cause more harm, also changing the due date pending on if you pay early or not is also unfair business ethics. I am at the point where I just want to change my phone number. This is the only account I am having issues with as I do not feel that they have treated me fairly at all. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts listed seperatly from Capital one on my credit report, but they have the same account #. I have no knowledge of opening a 2nd account with Capital One in XX/XX/XXXX as one account states. Further, I did have a secured card with Capital One which was opened in XXXX or XXXX. Unfortunately due to financial difficulties I was unable to pay my bill. I contacted Capitol One in late XXXX or early XXXX and asked they close the account due to financial burdon, so late fees and interest would stop accruing. Because it is a secured card, they are able to keep my initial deposit and pay off the balance. 
Instead, it seems they kept the account open and allowed late fees and interest to accrue even during the COVID 19 Pandemic when no one was working. This is a travesty and I did my due diligence to inform them of my situation and they still let charges build up even during coronavirus. Additionally they are listing two accounts on my credit report and I never had two accounts. When asked for verification they provide no proof only " account has been verified '' I do not claim ownership of a 2nd account and want both removed from my credit report as the {$250.00} secured card should have been settled and closed as per my request
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$94.00} XX/XX/XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$620.00} XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX  XXXX {$640.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

{$600.00} balance company stating charge off card was paid asked to be removed company and credit reports did not comply
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 ) period specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Period furthermore, They're dispute resolution process was unfair and deceptive as they did not comply with air resolutions requirements under the electronic fraud transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial laws, and I seek appropriate redress For these violations.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX,XX/XX/XXXX, and XXXX, XXXX, XXXX and XX/XX/XXXX, I had late payments on my student loans when I was unemployed, still in school or barely making any money. As of XX/XX/XXXX I have paid all of my loans in full. I called MOHELA on XX/XX/XXXX and they said I need to file a complaint/dispute with them so they can investigate further into the exact reason I didn't pay on the intended date and then they can perhaps proceed to remove my bad credit on my report.
Product: Checking or savings account

My primary bank, Associated Banc-Corp, has elected to sell several of its XXXX, IL area branches to XXXX XXXX. As a result, they informed me by mail that they would also be transferring my deposit accounts by XX/XX/2020 to XXXX XXXX. I do not wish for my deposit accounts to be transferred to XXXX banks. They do not offer the same quality of services that I have through XXXX XXXX. I have a Mortgage, Direct Deposit, several deposit accounts, and many E-billings setup through XXXX XXXX  and it will cause me a great deal of burden to manage the transition to a new bank. Since the Mortgage will still remain with XXXX XXXX, this also causes undue burden in managing that payment. 

I have contacted XXXX XXXX  to inform them that I do not wish to have my account sold to the XXXX XXXX. They in turn refused to honor my request and informed me that I must create completely new deposit accounts at another branch in order remain with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient account # XXXX is showing a balance of {$32000.00} & continues to be reported as a charge off every month, but it was included in chapter XXXX bankruptcy in XX/XX/2019 & XXXX on XX/XX/2019. Account should have XXXX balance and no negative payment reporting after XX/XX/2019. I have disputed with the company and with all 3 bureaus and I got back from you that the company " Verified as accurate '', but it IS NOT. See the public record that you have on my report, as well as the attached documents from bankruptcy court. My next step is to sue you if this is not resolved this time around. You have all of the information necessary to remove this error. Please remove it promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian & XXXX processes for putting in place a credit freeze are unreasonably and extraordinarily difficult, even as compared to the other credit reporting services. 

In light of the recent data breach at Experian, I am in the process of trying to put in place credit freezes at all of the credit reporting companies. I tried the XXXX  and Experian online processes yesterday on XXXX XXXX. Both of them are very complex and the identity verification procedures are nearly impossible. The processes are clearly designed to discourage security freezes. 

I 'd be willing to bet that it 's easier for a third party to request my credit or for a wrongdoer to apply for credit with my stolen identity than it is for me to take the basic precaution of freezing my credit. 

I have been directed by Experian that I can only submit for a freeze in writing and have to provide copies of identity documents and utility bills. 

XXXX says I have to call them, but they are not open on weekends and the phone lines are impossible clogged during the week. 

I 'm trying to help my spouse and my aged parents in this process. Their procedures make it impossible. Furthermore, I ca n't figure out if there even is a process ( however bad ) to do the same for my minor children. 

By way of comparison, the online process for a freeze at XXXX and XXXX was relatively quick and painless ( at least for me and my spouse and parents, have not yet tried for my minor children ). 

I am outraged by the security breach at Experian. I am outraged at their lack of even the most basic cybersecurity processes. I am outraged at this whole situation. Their XXXX up processes for putting in place credit freezes is just the icing on this anti-consumer cake. 

I would very much appreciate you holding these folks to account publicly. The first priority would be getting them to streamline the process for credit freezes, then I would hope to see civil and criminal prosecutions.
Product: Payday loan, title loan, or personal loan

GreenSky was used to purchase my windows through XXXX XXXX in XXXX of XXXX. My minimum payment was XXXX a month. I made sure to pay XXXX a month on an auto pay. I recently received a late notice and a late fee attached to my account, XX/XX/XXXX. My minimum payment went from XXXX to XXXX and there is nothing I can see that changed with my account. I first noticed when XXXX XXXX said I had a new account and it was GreenSky. I was paying over the minimum and making my payments early. I contacted their customer service and they left me on hold. I sent them an email and I received an automated response about interest rates and payments. Is it legal to just add fees to accounts? I now owe over what I originally borrowed.
Product: Payday loan, title loan, or personal loan

This account with XXXX XXXX with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Product: Checking or savings account

I closed my Axos checking account some time ago. There were scheduled transfers associated with that account that would pull money from my external account that were not cancelled by the bank. As a result the bank pulled money ( XXXX ) from my Customers bank checking account on XX/XX/16 when it no longer had authorization from me to do so.
Product: Credit card or prepaid card

I have a XXXX XXXX card and i have a bunch of unauthorized transactions on my card. I have tried to contact the XXXX  support but they hung up on me when i asked to talk to a supervisor. 

Listed below are the unauthorized transactions. 
XX/XX/2023 - XX/XX/2023 XXXX {$93.00} XXXX {$97.00} XXXX {$56.00} XXXX {$68.00} XXXX {$69.00} XXXX {$74.00} XXXX {$53.00} XXXX  {$74.00} XXXX {$56.00} XXXX {$57.00} XXXX {$78.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries have left hard inquiries that I did not authorize or was falsely explained to that it would NOT impact my credit. 

-- Was first told it was a soft pull like " utilities '' and then when I tried to talk to someone there when it showed up I was passed around for an hour and then told to just file a dispute with the Credit Companies. 
XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX, CO XXXX ( XXXX ) XXXX -- ( three companies same issues on inquiries ) Did not even get or ask for credit from these people. They told me that did it to see if I qualified and couldn't even let me know where they obtained my information Northamerica Inquiry from XX/XX/XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX -- This company I was talking to about a student loan. Before I finished the application they informed me that I could not defer the loan and I asked to cancel the application. They called me back and said I qualified for a small loan. I asked them later to remove the hard Inquiries and they said that they weren't able to at all. They have TWO hard inquiries. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - Capital One has run my credit three times! I tried signing up for a student loan once when my credit was brand new. I asked them to remove their inquiries and they literally told me that it would take a lawsuit to remove the inquiries (? ) Cap One Inquiry from XXXX XXXX XXXX Cap One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cap One Inquiry from XX/XX/XXXX Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Cap One Inquiry from XX/XX/XXXX Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX - I have no idea who this following company is, and they don't even have an address or phone number that I can even call to question their inquiry XXXX  XXXX. 
Inquiry from XXXX XXXX, XXXX -- The company doesn't even have a place that I can contact to dispute the inquiry. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX -- A local bank isn't even allowing me to question the second inquiry when they told me that they were not re-running my credit. And they said I need to call that department to request it removed. And there is no department listed or even anywhere to ask for the service to be looked over. 

XXXX XXXX XXXX Inquiry from XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX Has issued an authorized Credit Pull. I got a card from them almost four months ago and now there is a new credit pull that I did NOT authorize. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

This is my second 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$4800.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.