23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I attempted to move the following services to my new apartment in XX/XX/XXXX : XXXX XXXX XXXX internet services The technician was unable to install the equipment because the building didn't allow services to be connected because it was a historical building. XXXX had not upgraded their high speed internet services to that area at the time so I was unable to get internet services either. I paid all services and returned all equipment. 

I have been through a confusing maze of different departments. My calls have been disconnected several times. Trying to defend myself against an erroneous charge has been frustrating and time consuming. I have called and held on over the course of 2 days and then many days in XXXX. 

I spoke with the following departments at XXXX : Accounts receivables Billing Billing Manager Combined billing Back end department Customer Loyalty Integrated services department I have been on hold for hours, in addition to being disconnected multiple times. I've spoken with the following people : XXXX, XXXX, XXXX, XXXX and other customer service reps. and managers. 

I have called numerous times to the following numbers. XXXX XXXX, XXXX, and XXXX. 

My credit score dropped after Franklin Collection Service reported to the credit reporting agencies. I called Franklin and they said that I have to go through XXXX. 

The impact that this collection it is having on my life is that I am trying to qualify for a mortgage and my score dropped dramatically when they began reporting this invalid debt with the credit reporting agencies XX/XX/XXXX. I am also losing work productivity because I have had to call during working hours to get assistance. I am currently on the phone now with the loyalty department and I fear that I have been transferred again without my complaint being resolved. I got transferred again to XXXX. I told her that I returned the equipment through one of their vendors. I believe it was XXXX in downtown XXXX CA. The XXXX  internal investigation numbers are XXXX and XXXX. Rep. on the phone is currently telling me that I was billed for the actual satellite dish and they did not receive the other equipment : receivers and modem. I told them I returned the receivers and modem and they should have been responsible for the dish. I asked them to take notes and rep. said she didn't have to take notes because she can see the bill. I told her that if there was an investigation you should be able to notes from each individual that I am speaking with. Not every department can see what she sees. She said that she will talk to her supervisor. I need immediate help because I am trying to qualify for a mortgage. I will lose my housing on XX/XX/XXXX and have to find housing soon as possible. They are now saying that they received the XXXX modem. They are still not able to take care of this debt. They are referring me to their internal collections team now. I am now being referred back to billing. The rep. XXXX told me to speak with a billing supervisor.
Product: Checking or savings account

SunTrust closed my account when the IRS sent my third stimulus payment of {$4200.00}. 
Irs said they sent the payment to SunTrust but SunTrust closed my account without any information. 
I file the form 911 with the IRS and a trace and SunTrust go the money and did not release it back to the IRS when they wrongfully closed my account.
Product: Credit card or prepaid card

Hello, I need all my statements and charges from 2016 I have been through this plenty of times with Target and they keep ingoring the fact and senidng me current statemtents. Just last week I was served with papers from a Debt collector and I have requested an arragement but I need to know what are the charges for and what is the amounts owed. I am entiled to this and I need the statements from 2016 to be mailed along with a Debt vaildation.
Product: Debt collection

My significant other and I moved out of XXXX XXXX XXXX XXXX in XX/XX/XXXX. I was told by XXXX in which I would receive a final list of charges if any. We had not received any notice until XX/XX/XXXX from XXXX XXXX XXXX regarding a balance owed on the account. I immediately called the company in reference to the matter. Not fully being aware of what the charges were for, I spoke with representative XXXX XXXX. XXXX XXXX was very nasty in the beginning of our phone call stating that the balance has already hit our credit and when we were going to pay. I resulted in a follow up call with the matter XXXX XXXX. I called XXXX XXXX to discuss payment options and possibly setting up a payment arrangement. XXXX XXXX was very aggressive on the phone call and over talked me every way possible. I have never endured such disrespect when handling a possible legal matter. XXXX XXXX refused to let me become aware of my options, and yelled for me to pay the balance in full. I will never deal with this company with any of my business matters. I do not trust the employee of this company. I spoke with supervisor XXXX and he alerted me the information that she gave was incorrect. I will be serving this company with a cease and desist letter stating that I do not want this company handling any business matters.
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 Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, this dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell XXXX AND TRANSUNION 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 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX Opened : XX/XX/2016 Balance : {$560.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Debt collection

Unifin keeps calling and messaging me about a debt I do not owe. I just recently turned XXXX ; I don't even have a credit card and have never taken out a loan, not even student loans. They have absolutely no reason to be contacting me. Many other customers have lodged complaints about them and frankly this is ridiculous.
Product: Debt collection

All 3 agencie are letting 3rd party reporting over and over, even though it was deemed not mine several times. I complained after reading it was against the law to have 3rd party collection agencies appear on my report. yet all 3 are letting them report and now wont even discuss the fact they are breaking their own Laws. Now there is something on my credit from a check cashing company which I have not used since 1992 WHY ARE THESE PEOPLE CONTINUALLY BREAKING THE LAWS AND NOT BEING HELD LIABLE??
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 


( XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX  : XXXX, XXXX : XXXX, XXXX XXXX  XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, DEPTEDXXXX XXXX XXXX, DEPTEDXXXX : 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 an 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received written notice from Pioneer Credit Recovery XX/XX/2023, see attached Document. 
Attempted multiple times from late XX/XX/2023 to mid XX/XX/2023 to phone Pioneer Credit Recovery with out them returning any of my calls. 
On XX/XX/2023 I sent them a certified letter pursuant to the Fair Debt Collection Practices Act, 15 USC 16929 stating their claim is disputed by me and validation is requested. 
To this day Pioneer Credit Recovery has not responded to my demand.
Product: Checking or savings account

On XX/XX/XXXX Chase Bank erroneously withdrew {$1000.00} from my business bank account. I went into the XXXX XXXX branch and sat with XXXX, a branch banker, for XXXX minutes as he worked with XXXX to correct this error. It was painful to watch. XXXX then told me that I would receive a credit back to my business account by Friday XX/XX/XXXX for {$1000.00} as XXXX recognized and corrected the error. 

On XX/XX/XXXX Chase Bank erroneously withdrew an additional {$51000.00} from my business account, putting my business account into a negative balance. I went into the XXXX XXXX branch and sat with XXXX, the XXXX XXXX XXXX, for XXXX minutes as she worked with XXXX to try to correct this error. It was painful to watch. XXXX told me that the best XXXX could do was open up another complaint and possibly have a resolution within XXXX business days. 

I have added XXXX, the XXXX. XXXX XXXX at the XXXX XXXX XXXX branch to this email. 

The XXXX bankers whom I have met, including XXXX, XXXX, and XXXX, are doing the best that they can in a system that is mind boggling. 

I can not run a small business with a negative balance in my business account. I have no faith in XXXX 's ability to manage my business finances, yet can not change banks until this issue is resolved. I want {$52000.00} put back into my business account immediately. In the coming week, I need to make purchases and receive tuition payments for my private preschool. I want to know what steps are being taken to investigate this level of continued incompetence and disregard for the day to day needs of small business owners and XXXX 's corporate inability to correct obvious errors made by XXXX. 



XXXX
Product: Mortgage

XXXX XXXX, 2017, I sent to you a QWR and Debt Validation request. Request for information under Regulation X 12 C.F.R. 1024.36 and Regulation Z under 12 C.F.R 1026.36 - Upon review you did not provide specifically requested the Full Name and Address of the Entity that is owner or assignee for the Note, located at : XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX.
Product: Mortgage

Dear Director Of Operations, I agreed for a Deed In Lieu arrangement and was promised $ XXXX for moving assistance. Now 90 days has passed with-out any update or payment. Still I request for the FTC and CFPB to start a investigation on this firm : XXXX XXXX. I am requesting the payment be sent to me via USPS with a tracking method. Nationally a deed in lieu ends after 90 days. At the moment, I feel they aren't fulfilling their promise to pay. The forms and keys have all been given to XXXX XXXX. I must insist they honor the promise of payment as soon as possible.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX 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 TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of : XXXX XXXX {$5800.00} XXXX {$15000.00} >>>XX/XX/XXXXXXXX {$230.00} >>>XX/XX/XXXXXX/XX/XXXX $ XX/XX/XXXX>>DEPTEDXX/XX/XXXX{$3900.00} Inquires : XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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

To Whom It May Concern, Subject : Formal Complaint, Opt-Out of Inaccurate Reporting, and Demand for Immediate Updates I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) regarding the inaccurate reporting of my credit information. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., I am exercising my rights concerning the privacy of my personal information and the accuracy of my credit report.

The FCRA mandates that CRAs must follow reasonable procedures to protect the confidentiality of credit information and promote accuracy, fairness, and the privacy of personal information. Notably, 15 U.S.C. 1681a states that it is illegal to report transaction history on a credit report, as the Act excludes reports that contain information solely about transactions or experiences between the consumer and the reporting entity. 
Given the inaccuracies in my credit report, I am opting out of any and all authorization for the reporting or sharing of any information related to the accounts inaccurately reported. This includes any written, unwritten, verbal, or nonverbal authorization I may have provided, in accordance with 15 U.S.C. 6802 and 16 CFR Part 313, which govern the Privacy of Consumer Financial Information.

Due to the violations of my rights under the FCRA and the impact on my creditworthiness, I am demanding immediate updates to my credit report to correct these inaccuracies. I expect these updates to be made as soon as possible, in compliance with the FCRAs accuracy standards. Should these updates not be made, I will be seeking compensation for the violation of my rights as outlined under 15 U.S.C. 6801-6805, 16 CFR Part 313, and 15 U.S.C. 1692k. I am prepared to pursue legal remedies should my demands not be met.

To resolve this matter, I require the following : Immediate correction of the inaccurately reported account ( s ) on my credit report to comply with the FCRAs standards.

Compensation for the violation of my rights under the FCRA and related statutes due to the mishandling of my personal information.

Written confirmation of the actions taken to address my requests as required under the FCRA.

Failure to address these concerns will compel me to take further legal action to protect my rights and seek full compensation for the damages incurred.

Thank you for your prompt attention to this serious matter. 

Company : XXXX XXXX XXXX
Product: Credit reporting 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. 
Account Name XXXX XXXX XXXX XXXX : Account # XXXX, Account name XXXX XXXX XXXX XXXX  : Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX Account XXXX XXXX has violated my rights.XXXX15 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: Checking or savings account

At XX/XX/year> at XXXX XXXX i am make the purchase at XXXX store for amount of XXXX XXXX and first one transaction was declined of system problems, them i was pay second time. I have the recipe on my hands that shows, that i have two transactions and the first one was declined. So i pay only once, and the XXXX of the XXXX provide for me XXXX journal report, that they charged me only once for my purchase. But the dasher direct bank charged me twice. Them i call them many times, and they ignored me/dont want solve the problem/dont want to listen to me. And every time just hanging up the call. I have the recipe of purchase and the store payment report on hands. The store didnt charge me twice. There is a problem on the bank side on dasher direct bank of doordash organization. They totally ignored me and dont even want try to solve this situation
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im assuming that you either didnt receive my letter I sent on XXXX to this date XXXX over 60 days later I have not received a response about these misleading unverified accounts that are reporting to my credit profile. I understand that you receive thousands of disputes each day but on your website it states to specifically disputes through mail which I did. I demand these accounts be removed immediately and to receive proof that you did an independent investigation on the items that are misleading. Thank you I hope to get a response and information resolved quickly.