23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On the morning of XX/XX/21 @ app. XXXX. I called cash app customer service number that was listed on line regarding an issue. I called seeking help, however I got taken advantage of. I called because I sent my son XXXX $ via cash app and I asked him dd he receive it, he said no. So my first instinct was to call customer the service number. There is no way to reach out to any customer service representative through the app. There isn't a email connected to the company or a number connected neither, which led me to XXXX the number online. I called the number posted online, someone picked up, I explained to them what happened, then then told me that they would help me. They asked my name and the general information someone would ask to verify an account. They told me they see the issue and that I also needed to download an app called XXXX XXXX to help navigate me properly through the app. ( it allowed them to see my screen on my phone ) we went to customer support an other credible places in the app and then they told my to click on XXXX. and to click on the option of XXXX XXXX I wasn't sure what exactly what was going on because i'm not familiar with XXXX. so not only was I still out of the XXXX, now i'm being scammed out XXXX more dollars. at this point i'm getting upset because i'm noticing money being taken from my linked bank account. they were able to change the account number to my cash appp account from there end. I was in the process of hanging up, they told me that the money that was taken from my account would be returned along with the original amount of XXXX, XXXX if they can have access to my sons account. They got on the phone with my son my son verified his account as well they accessed his account as well and that's when they were able to take everything. They also scanned his I.D . and his face. ( This didn't alarm me at the time because these are things you have to do to verify your identity when you set up a cash app account. ) I then got upset and told them to give me my money or I was done. at this time I knew something wasn't right. They kept telling me that they were having technical issues that's why were having problems, and was having issues reversing the money. I told them that I have a cash app debit card if that would help that they could send it to. They said I would have to only go to a XXXX  ATM to receive my money, and that I will receive my money in full, cash, so my son and I drove to a XXXX machine on XXXX XXXX XXXX ( in a gas station. ) They gave us a code to put in and we also had to add XXXX additional dollars in order to active the XXXX machine.Of course it didn't work. I finally hung up and reported it to my bank and went to the police station shortly after that. And the police confirmed I was a victim of a crime.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX
Product: Debt collection

I rented from XXXX apartments in XXXX. I broke my lease, gave more than 60 day notice. The management company was to send me a bill to my home address, because they did not calculate the final move out bill ( {$580.00} ). The company lost my address and never sent me the final bill, did not call. I called management 3 times to ensure my file was satisfied. They changed management companies, lost my file and slapped me with a collections charge of {$690.00} months later. 
1 ) Charge is too high 2 ) management negligence caused this to happen 3 ) I was not allowed to speak to management after it went into collections. 

Here is the latest letter they sent me : XX/XX/XXXX Current Creditor : XXXX at XXXX XXXX XXXX Balance : {$690.00} Enclosed you will find copies requested. 
If a balance is remaining on your account ( see above ), you may send payment in full to National Credit Systems , Inc . 
Otherwise, you may contact our office immediately at ( XXXX ) XXXX. 
It is important to know that National Credit Systems , Inc. is a third party debt collection agency whose efforts are solely on behalf of the current creditor who has previously validated this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I XXXX XXXX XXXX contacted XXXX XXXX at XXXX and paid the past due amount on my account # XXXX, in the amount of {$1600.00}. I paid in two installments, {$1500.00} ( confirmation # XXXX ) and {$130.00} ( confirmation # XXXX ) and was told by XXXX, that my credit reports would be updated with PAID. 
On XX/XX/XXXX, XXXX and XXXX, XXXX, I reviewed my credit report and also I contacted XXXX and spoke with XXXX # XXXX at XXXX and was told the account is with XXXX XXXX ; I tried to explain to the representative, but with the language barrier, but got nowhere. I asked to speak with a Supervisor and was told she could not transfer me, because none of the Supervisors are available. I explain to the representative, that I was trying to buy a home and needed a letter from XXXX showing the account is Paid in Full. She put me on hold and came back and told me that XXXX is not showing the account and that I needed to contact XXXX XXXX, I tried to explain that I had spoken to XXXX XXXX and they said they told me that the account had been Returned to XXXX back in XXXX and that I paid XXXX. She said she couldnt help me!!! 
On XX/XX/XXXX, I checked my credit reports and all three ( 3 ) are showing Charge Off and a balance due in the amount of {$1600.00}. I have been on the phone with XXXX numerous times and not able to get them to understand that the information they are showing in not correct and should be updated to reflect the correct information. I did a dispute with all three credit bureau and the information updated as of XX/XX/XXXX is showing Charged off!!! 
I have attached screen shots of two payments made to XXXX as proof the fulfilling my obligations, I want XXXX to update my credit reports to show Paid in Full. Also a copy of the XXXX  credit reports as of XX/XX/XXXX. 

Kind regards, XXXX XXXX XXXX
Product: Debt collection

I was renting a home in XXXX GA through a company named XXXX homes. Covid 19 had just started and the company sent out emails and posted on the resident portal that if anyone has been affected by Covid-19 and needed to get out of their lease, pay their lease late without late fees, or needed extensions ; that they were willing to work with anyone. I spoke with my home manager and she agreed that I could break my lease with no fees or balance due. The company kept my deposit and the home was rented out in less than a month later. They have since put the collection on my credit even with the agreement. I've disputed it and submitted all corresponding emails. They refuse to remove the collection.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Balance : {$62000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00}
Product: Credit card

This company is abysmal. First they closed my account without properly getting XXXX which is their fiduciary responsibility as a bank. Then they charged multiple penalty XXXX  fees for them closing the card. As a result of their continuous lack of business acumen. They throw my account back into the XXXX by only allowing me to pay via mail. I get a notice saying pay {$190.00} and your account is back in standing I due so. I have sent countless checks to their address and the first time they misplaced the check and didnt apply. I have sent random amounts because I have no clue what is due because they have sent a paper statement since XXXX!!!!! I emailed asking why I havent received any statements and I get nothing. I call in and the operators can barely speak XXXX or know what a penalty apr or anything! How am I supposed to operate in XXXX  when a backwards disgusting company fails to apply payments sent to their XXXX XXXX XXXX! And how am I supposed to track payments without a statement!!!!!!??? Disabling online banking because you are a XXXX should be against the law!!!!!
Product: Debt collection

On XX/XX/XXXX, I notified XXXX, XXXX and XXXX of several invalid and invalidated debts they are reporting on my credit reports for SCA Collections , Inc. Said items are reporting as medical debts and according to HIPPA Law by way of them having access to and posting my information for others to access, they are violating my medical rights. I never granted them that permission to share my information. I notified the credit bureau 's by law they had 30 days to respond in written form validating the debts including a detailed statement of procedures, the original bill and my signature or the debts had to be removed from my reports immediately. I received responses from each of the credit bureaus within the time allotted, but neither included any debt validation. They simply notified me that they would be contacting the credit agency to investigate the matter and that my dispute was pending.

On today, XX/XX/XXXX, also within the 30 day mark, I received a bill from SCA Collections , Inc. stating I owe {$940.00} for the account # XXXX. Not only did they not validate the debts they are publishing on my credit reports, but according to my report and the balance they are reporting as being owed, the numbers are way off. This strikes me as them being deceptive.

SCA Collections, Inc. publishing fictitious information on my credit reports have had continued adverse affects and are inhibiting my ability to establish credit worthiness.

The following accounts have been left invalidated and by law must be removed : XXXX XXXX XXXX XXXX Your attention to this matter is greatly appreciated!
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 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 XXXXXXXX, 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 or other personal consumer reports

these XXXX XXXX  accounts are not mine. they are fraud and id theft and i want them deleted. 

XXXX XXXX account # XXXX XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting inaccurate information on my credit. They have not report my payment since I have a made half of payment on my credit card. {$1000.00} I had made XXXX payment. They are also reporting late payment on my credit card for making a lower {$25.00} payment after loosing my job. This cause my credit to go down by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent out letters to the credit bureaus of XXXX, XXXX, and Equifax certified mail. Neither agency responded with a return receipt of my letters of the inaccurate information. I gave them the benefit of the doubt and waited again until XX/XX/2022 and repeated the same process with sending certified letters. Again, there was no return receipt of acceptance to look into the inaccurate information being reported. Recently again on XX/XX/2022 I sent out the letters again, this time by regular postage and it is now XX/XX/2022, past the 30 day. This time I have decided to take further action to express that my rights have been violated according to the following laws : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692C : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

The creditor is in violation of Section 623 ( a ) ( 5 ) of FCRA, States In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

Not only has there been inaccurate reporting on my credit report, I have never given any written permission to contact me or report to the credit bureaus. I have also been receiving calls from phantom phone numbers disguising the company 's real phone number. These phantom phone numbers show up as local numbers in order trick you into answering your phone.
Product: Checking or savings account

1. Changed CD interest payment dates in the past from 15th to 14th, in order to short change us in the upcoming payment. 

2. Made my husband look like, he owns XXXX XXXX XXXX. 

3. There are two CD maturity dates, CPO 360 insists the wrong date is the right one. 

4. Falsified records and changed the rule whenever they wanted. 

5. My website does n't look like bank website. 

There are a lot more, but I will let my report speaks for itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX managers conspired against me burly reporting to the credit bureaus that I obtained my credit through identity theft. They sent documents to Equifax via US Postal mail indicating that all my credit was obtained by identity theft. XXXX white employees are racially profiling me and been harassing me since XX/XX/2023 when I contacted them to file a lawful dispute against a merchant in regards to an online order I made on XX/XX/2023 that was not fulfilled by the merchant. 

XXXX contacted the credit bureau and submitted false documents using my name and impersonated me. Without my knowledge or consent. I became aware of this issue on XX/XX/XXXX and immediately contacted Equifax and advised that the information received by XXXX is false! Instead of stopping this Equifax sent notification to my Creditors which resulted in one credit card by XXXX XXXX being closed due to fraud application. 

To this day XXXX also closed my credit card account for no lawful reason. Their ongoing harassment and lies has caused me to be harmed financially! All of my credit was obtained using my name. My social security number and date of birth! I have never obtained any credit by identity theft. 

XXXX employees put false notes on my credit card and sent false information to the credit bureaus. I need help to stop XXXX from doing this to me. 

Equifax confirmed they received two documents from XXXX with my name, social security number and date of birth indicating that this information is identity theft! That is a lie! I was born in XXXX XXXX XXXXXXXX and I am an American Citizen, both my parents were born in the XXXX XXXX and matter of fact my deceased Father was an XXXX XXXX XXXX veteran who fought in the XXXX XXXX. 

XXXX hires racists who use their job to harass and discriminate against people of XXXX. Their harassment and lies has caused me tremendous pain XXXX  and stress! XXXX XXXX employee has terrorized my life and causing me financial hardship! I need help to stop this. 

To date XXXX false reports to credit bureaus resulted in me being locked out of my online account with Equifax and Equifax taking adverse action towards me! I am a human being and need XXXX to stop this ongoing harassment and violation of my rights immediately! XXXX also put my life and my family life at risk by sending the Police to my home by making false accusations against me! Their harassment and terrorizing my life is ongoing. Their managers by the name of XXXX XXXX XXXX are just a few of their employees involved in this because I am a XXXX woman! Also they reported wrong information to credit bureaus stating I went over my credit limit and reporting a false high balance! I need this corrected.
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. 
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 and 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

In accordance with the Fair Reporting Credit Act XXXX  Account ( XXXX ) *XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX/Dept of ED-ACCT # ( N/A ) ; *XXXX XXXX XXXX XXXX # XXXX have violated my rights : 15 USC 1681 Section 602A states " I Have a Right To Privacy '' 15 USC 1681 Section 604 A/Section 2 also states " Consumer Reporting Agency can NOT furnish my account without my " written instructions ''.
Product: Credit reporting or other personal consumer reports

I was in a car accident on XX/XX/XXXX and my vehicle was totaled. I worked with insurance to pay the vehicle loan off. Under my insurance claim, XXXX checks were coordinated with the bank and then issued by XXXX on XX/XX/2024 and sent to Huntington National Bank for the total loan payoff amount to release the title. On XX/XX/XXXX and even exactly XXXX day after my loan due date, I called in to customer service to check on the status of the loan payoff as my loan was not delinquent and I wanted to avoid negative credit reporting and fees. Per my discussion with a customer service representative, they informed me that there would be no issue with billing, and that I should not take any action on my loan or make any payment myself. 

However, I received a notice on XX/XX/XXXX that my loan was sent to collections, I received a {$35.00} fee, and a negative credit reporting result as they reported my loan account delinquent. The information provided by the customer service representative misled me. The outcome was unfair and deceptive. I paid the loan off in full later that same day on XX/XX/XXXX, inclusive of the {$35.00} fee. On that same day I also disputed the fee, and I disputed the negative credit reporting, on account that the actions taken by the bank in misleading and then punishing me caused me harm and could not be reasonably avoided by me, since I was following the direction of the bank representative. 

In answer of my dispute, I received a letter on XX/XX/XXXX, which was dated XX/XX/XXXX, that the information reported to the credit bureaus was accurate. First, I do not doubt the information is accurate and that was not the nature of the dispute. Second, I disagree with the bank 's decision to charge me a fee and to report the negative credit information anyway as the whole situation was unfair to me.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX, an XXXX XXXX, cold knocked on our door selling premium solar panels and installation in Virginia. They indicated they had a relationship with a financial institution, Dividend, which was providing a significantly lower APR than any other institution for the project. We we able to get " pre-approved '' for the loan the day the XXXX company representative was here, however, the " pre-approval '' was actually the loan application. Following the loan application, XXXX was paid following the initial installation of the panels, not completion of the project -- which would require a working system. The loan amount was {$97000.00}. This was paid directly from Dividend to XXXX. During a call with an XXXX representative in XXXX XXXX  it was disclosed that XXXX had direct access to my loan information from Dividend through a " portal ''. In the same month I contacted Dividend and inquired as to why they would pay the contractor prior to the completion of the project as this has now placed the consumer in a bad position of the contractor having no incentive to complete the project and they stated that their position is to pay the XXXX " upon installation of the solar panels. '' This payment then initiates the loan repayment process upon which the consumer has 60 days to begin payment on the loan. Our panels were installed in early XX/XX/2023 and our loan is due XX/XX/2023 and we do not have a working solar system because the contractor has not yet completed the project. This does not make any sense and it seems to the outside eye that Dividend and XXXX may be colluding to create an untenable situation for consumers.
Product: Credit reporting or other personal consumer reports

Why you're reporting incorrect? I always pay on time. Please delete the late payment status in this accounts. It is wrong reporting your violating my right as a consumer. I tried to fixed it so many times. Please update this accounts XXXXXXXX XXXX  XXXX. XXXX, XXXX {$8200.00} XXXX - XXXX XXXX XXXX XXXX, XXXX {$34000.00} XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX {$20000.00}