23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company purchased an old debt from XXXX XXXX in XXXX in the amount of {$10000.00}. They have added excessive fees to this purchased debt and now they are trying to collect {$19000.00} from me. 

They are in violation of the Fair Debt Collection Practices Act as follows : FDCPA 807. False or misleading representations ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. The very next day I had to take the car to a XXXX dealer to get them to fix the transmission. A few months later the car was repossessed by XXXX XXXX. The car was sold at auction shortly thereafter and XXXX XXXX sent me a notice of deficit after the auction sale. Being unemployed and homeless I did not have any funds to pay the deficit. The balance remaining after the sale of the vehicle at auction was approximately {$5000.00} This company PERSOLVE LEGAL GROUP purchased the debt from XXXX XXXX and is now trying to collect {$19000.00}. They have added excessive and burdensome fees to the original debt and refuse to give an accounting of where the additional $ XXXX is coming from. Why is this amount so high? What are the hidden fees? Why are they charging three times the original debt? They have refused to provide me with a detailed accounting of where these charges are coming from. PERSOLVE LEGAL GROUP is now trying to collect {$19000.00} for a car that XXXX XXXX sold at auction 5 years ago. XXXX XXXX DELETED THIS ITEM FROM MY CREDIT REPORT and now PERSOLVE LEGAL GROUP is trying to collect a debt on a car which I no longer own for an amount THREE TIMES the original debt with absolutely no accounting of where these charges they claim I owe is coming from. THEY ARE TRYING TO COLLECT {$19000.00} for vehicle that was repossessed and sold 3 years ago. The vehicle was valued at {$5800.00}. They have not provided a detailed breakdown of how they arrived at {$19000.00} due and owing. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from PERSOLVE LEGAL GROUP with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay PERSOLVE LEGAL GROUP '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and PERSOLVE LEGAL GROUP. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
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 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, their 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

To whom this may concern, I just recently discovered that there is some unauthorized information in my name being used on my credit report and would like to file a dispute. This information is unauthorized and I do not approve for it to be reflected on my credit report. I believe that I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my report. I am insisting that they be deleted from my credit report as soon as possible. This fraudulent activity is impacting me negatively with creditors. I have reported the theft to identity theft 's FTC. Please review enclosed copies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am entitled to payment of restitution as punitive payment for the continual inaccurate reporting which is driven by profit versus accountability and accuracy, I make such demand. 

Experian is reporting a credit card account for XXXX  XXXX Credit card, which isn't mine and applied for without my knowledge or consent, and to make it even worst concerning their reporting, the information that was used to apply for this credit card was known not to belong to me, yet Experian reported it anyway, which is a violation of the statue XXXX XXXX acct no XXXX, per XXXX XXXX was applied using the address of XXXX XXXX XXXX, XXXX, SC XXXX, which is known by Experian not to be my address, and applied with social security number XXXX, which isn't my social security number.
Product: Debt collection

In a effort to reestablish my credit I paid off a number of credit cards and all loans I have taken out recently. After noticing my credit score was in the XXXX XXXX XXXX this company called XXXX XXXX XXXX a debt collection from a credit card I haven't had access or used in XXXX. This card was written off but somehow XXXX XXXX had placed it on my credit report as debt owed and they also are showing the debt started in 2023 which it's totally false and fribricated. This has cause irreparable damage to my credit and they should be held responsible! I would definitely get a lawyer but I wanted to take this route first. I have spoken with them numerous of times as I personally called them and asked them to remove this negative debt from my report but I see they keep filing it. I've disputed it with the credit companies but they come back with they have a lack of information which is the same thing XXXX XXXX is giving me!
Product: Credit reporting or other personal consumer reports

I recently discovered that my creditor failed to provide the required 21-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees.

Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures,
and it is their mistake that has caused this issue.

I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the 21-day notice requirement, not my negligence.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding inaccuracies in my credit report. On XX/XX/2023, I sent a dispute letter to TransUnion requesting an investigation into the following inaccurate items : Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX with Reference Number : XXXX, and Bankruptcy : U.S. Bankruptcy Court with Reference Number : XXXX. 

In addition, I disputed incorrect personal information listed on my credit report. 

Despite my efforts to rectify these inaccuracies, TransUnion has failed to address the discrepancies in my credit report. These errors are negatively impacting my creditworthiness and financial well-being. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/2023 stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof. I am now demanding TransUnion immediately and permanently remove the disputed items from my credit report.
Product: Credit card

On XXXX/XXXX/2016 I made a phone purchase for XXXX tickets to a XXXX XXXX XXXX in XXXX XXXX. I used my Chase Credit Card. I selected XXXX seats illustrated on the XXXX XXXX XXXX. The total ticket price was approximately {$450.00}. I then gave my requested Credit card info over the phone. The summary by the agent concluded with a price of {$850.00} as a result of miscellaneous fees, etc. that we 're never disclosed previous to credit card info. 
I requested cancellation. The response was " all sales are final '' followed by a dial tone. 
Within 10 minutes I contacted Chase Dispute Dept. XXXX. I was given a temporary credit subject to investigation. 
The tickets never arrived by XXXX. Chase informed me that the investigation resulted in favor of Online Tickets because I received tickets. This never happened. I requested a XXXX Signed verification. Chase sent me a Proof of Delivery sheet indicating that the tickets were delivered to XXXX in XXXX, Illinois on XXXX/XXXX/2016. I know no such person. Chase said that XXXX probably gave the tickets to me. They also included an Order Review which they never read inasmuch as it said that tickets were for a Rodeo and were paid for with an XXXX CCard. I contacted Chase XXXX 4 times, in a totally frustrated state, relayed the info, and they stood firm. 
XXXX has no record of ticket delivery to me. I never attended the Concert. Online Tickets has no record of a ticket stub, which I 'm told is a requirement. I have contacted Chase, pleaded for logical conclusion, offered to takahe a polygraph test at my expense. 
I have forwarded this explanation and paperwork to the XXXX JP Morgan Chase Board of Directors with attachments. No response. 
The only rational conclusion I can reach is that there is a connection between Online Tickets and XXXX XXXX at Chase with whom I 've explained, shown evidence, etc., I have maintained a spotless, on time record with Chase and am so frustrated that it 's affecting my health.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

To whom it may concern : Thanks for your time helping me, the credit card co is called : Union Bank Visa. i've purchased some merchandise on line from XXXX in XXXX last year, for the amount of {$220.00} and i've returned some of the items to them and got refund of {$93.00} on XX/XX/2018. 
When I've received my credit card statement, I saw XXXX  did issue me a credit of {$93.00}. but Union Bank Visa charged me for {$93.00} again as a " security adjustment '' and it happened exactly the same as another charge of {$10.00} on XX/XX/2018. I've tried to contact them since this XXXX, they asked me to call their fraud dept at XXXX, ext : XXXX and talked to XXXX, I've tried more than 20 times since XXXX, she never picked up the phone, and only returned my phone one time and after I tried to call back, it was just as before, can't get hold of her till I finally I talked to her on XX/XX/XXXX and explained the situation, she kept telling me the security adjustment is a credit, but after I asked her to calculate the total for my balance, it proofed it's not a credit, its a CHARGE! then she said she will call me back and hung up on me! After that she never called me back no matter how many messages I've left on her. I even talked to two supervisors at their customer service and complained about that, all they said is they can't do anything, I can only talk to XXXX! 
The most ridiculous thing is when I received my XXXX statement, they charged me those 2 items again plus the late fee and interest! I've talked to their customer service and one of their rep is very helpful, she told me she heard lot customers complained about XXXX, but there is really nothing she can do over there, she just helped me to wave the late fee and I asked her to make sure to dispute those charges till they can finally solve my problem and she said sure. 
I just received my XXXX statement, and they charged me the late fee AGAIN also includes the charge they over charged me. Now my balance is {$230.00} including the late fee, interest and 2 items they've over charged me 2 times! 
I will be really appreciated for your time and help, really hope you can solve this problem for me, I believe they know their system has this problem and keep charging customer by " security adjustment ''. I will be highly appreciate to hear from you soon. 
Thank you very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

No medical release to collect on this debt either No information given regarding the account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported. It's been 2 months and no information given. No medical release to collect on this debt either. The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a time barred debt for XXXX XXXX in the amount of XXXX and XXXX the accounts were opened on XX/XX/XXXX which exceeds the Louisiana Statute of Limitations. The XXXX account debt was deleted on my credit profile with XXXX on XX/XX/XXXX and with XXXX on on XX/XX/XXXX but the XXXX was not deleted on my credit profiles. I would like the XXXX debt to be deleted as well because it exceeds the Louisiana statute under civil code 3494. The XXXX was deleted from the original creditor but XXXX XXXXXXXX sold the debt to LVNV ( C/O Resurgent Capital Services ) they show that I owe the XXXX and XXXX both from XXXX XXXXXXXX which are both time barred debts. XXXX XXXX needs to delete the XXXX debt as well not just one debt. The collection agency above needs to also delete XXXX debt because it was deleted by the original creditor. Thank you for your time and consideration into this matter and resolution. 

Sincerely,
Product: Credit card or prepaid card

After months of trying to amicably resolve this with this company, I then went to my credit card company, Capital One and addressed my concerns and requested that a case be opened on each file. After being promised that a file was opened, and calling back three times to find out this was not the case, trying to do this three different times without success, I asked for a manager by the name of XXXX who was able to assist me in opening the case. She advised based on the date of the transactions, that they would need to send this to the back office for review. NEVER once was I told under yesterday of the timeline I had to dispute such transactions. NEVER WAS I TOLD until TODAY the true status of my case after I was told several times that I would be contacted by mail within 10 days. Nothing has happened. They have requested paperwork that they've sent to MC only for me to be denied and ultimately for me to be re-billed. This is totally unfair and I have not been afforded the protection this company BOASTS of in protecting their customers. 

Only today was I given the correct information about the timeline for disputes, only today after calling for weeks to get an update that each representative promised would occur in writing in 10 days did I receive one after speaking with XXXX ( XXXX ) who informed me that my disputes were filed against Mastercard 's timeline and that Capital One would ultimately re-bill those provisional credit back to my card. I was advised to contact MC, only to be told by MC that THEY WERE NOT investigating any case and transferred me back to Capital One. The only thing that has been consistent is the inconsistent information and the POOR customer service.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of this year I sent a wire tranfer worth {$20000.00} USD to coinbase to their account in XXXX XXXX XXXX to an account under my name. Coinbase confirmed through email that they recieived it and said as the wire wasnt send from an account under my name that they have reversed it ( I sent it from my business account ). Unfortunately my bank never received those funds back and coinbase just doesnt answer with any solution, they just say they are " working on it '', but dont give me a confirmation of the reversed wire or any documentation that support that indeed they reversed those funds. It has been almost 3 months about this, and I still havent seen any solution. PLEASE HELP!
Product: Credit card or prepaid card

I have been approved for Citi Platinum Select World Elite Master Card on XX/XX/XXXX with credit line of {$13000.00} and XXXX miles bonus from XXXX XXXX ( after making {$3000.00} purchase within first 3 month ). 
Promotion is eligible for people who didn't have account for 24 months. 
Because I had accounts with Citi Bank previously, I called the bank on XX/XX/XXXX to check when my last account was closed, so I would know when to apply for a new card. 
I was told that my last card was closed in XX/XX/XXXX. I verified that information few times, explaining to the agent that I need to be sure about that in order to get bonus miles etc. Assuming that it has been 24 months since the last card was closed, I applied for Citi Platinum Select World Elite Master Card on XX/XX/XXXXstatement if using Platinum Elite Master Card. I called the bank and was told that my last account was closed in XX/XX/XXXX, and I am not eligible for XXXX bonus miles, {$200.00} statement credit and any other benefits offered!!!! 
I have been waited for almost 2 years being aware of the Citi Bank policy, and could have been waited for another 2 months!!!! I called the bank prior to applying for, XX/XX/XXXX and was approved. 
I went to pay for my ticket on XXXX and there is a message about {$200.00} card the card and was misinformed by the agent!!!! 
Citi bank should fixed that mess and award my XXXX points and {$200.00} statement credit!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several requests for investigation and validation of information on my report from the bureaus.
Product: Debt collection

XXXX XXXX has contacted some of my family members stating that they are serving me with a summons. When I called them they told me that I owed money to Cash Central. This debt was paid XX/XX/2018. This company threatened to bring legal charges against me because I defaulted on the loan. When I told them I had already paid it they said ok. But a couple of hours later I received a phone call from a relative saying this company called them and told them I had not contacted them to resolve my debt and to contact them. I contacted Cash Central and they do not know who this company is. They said the sold the debt to XXXX XXXX and are not trying to sue me. I called XXXX XXXX and they also have no knowledge of this company. I emailed XXXX XXXX a copy of my paid in full letter showing this debt has been paid. And lastly, I contacted the TN Dept of Commerce and Insurance to see if this company is a licensed debt collector in the state of TN. They are not. They did the same thing to me last year. They called and harassed family members about a payday loan saying that criminal charges would be filed against me. Out of fear I paid them. They told me they would drop charges if I paid. I later found out that another company owned the debt and charges were never filed against me.
Product: Mortgage

This is the third time I have had escrow issue with Freedom Mortgage ( please see previous two complaints ). Last year, after Freedom Mortgage made numerous mistakes that nearly led to my property not having flood insurance, Freedom agreed to eliminate my escrow account and allow me to pay insurance and taxes on my own. This year, I paid all of those bills on time ( as I always do ) and then Freedom double paid my flood insurance. When I called Freedom about this issue they stated  that it was because I did not pay the flood insurance on time. This is 100 % false. The due date for this insurance was XXXX20 and I issued payment on XXXX20 and that payment was  received by XXXX XXXX XXXX XXXX of Florida on XXXX20, nearly a month prior to the due date. 

I want Freedom Mortgage to current their error by seeking reimbursement for double payment from XXXX XXXX XXXX of Florida and to reimburse me for all interest lost as a result of this error. Interest was lost because they took funds from monies that were to be applied to mortgage principal. 

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

Under the FDCPA Section 807 ( 8 ) : 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 c/o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Quantum Loan Servicing ALL have failed to report a disputed debt to the credit bureaus. 

Moreover, US Bank National Association 2015 Pooling and Servicing Agreement per the SEC show NO Transactions for the years XX/XX/XXXX-XX/XX/XXXX that will constitute a foreclosure representing that is being serviced by XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

please review and remove files as this has been hard enough already
Product: Checking or savings account

I keep trying to get a checking account with chase and its always a problem. Im a victim of identity theft and there were chase accounts opened in my name as a result. In XXXX I got a letter from chance saying I was cleared from the accounts and everything was fine. Fast forward to XXXX and still to this day when I go to a chase branch the account gets opened then they close it the same day and their reason is because chase doesnt want to do business with me. How is that possible if Ive gotten the letter from the executive office saying everything was taken care of? I just want to be able to get an account with chase!!!