23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a written notice in the mail ( around end of XXXX ) describing the debt this company was seeking, as well as emails detailing the same information. Around the dates of XX/XX/XXXX, my family received concerning calls from an " attorney '' ( at the number ( XXXX ) saying that he was trying to reach me in an attempt to represent me. The individual was said to have a threatening tone, and did not state any identifying information. I then also received this call ( on XXXX voicemail was left ) stating the same thing : an " attorney '' from an unnamed agency was trying to reach me for representation. 

Today ( XX/XX/year> ) I received a call and a voicemail from the same number ( XXXX ). The voicemail states the call from an individual working at ICR ( Independence Capital Recovery , LLC ). The individual clearly stated the intent of the call ( debt collection ) and that I would receive an email with the same details. In the email I received there is an attached PDF with details. In this PDF is says, to quote a paragraph in the document : " At this time, no attorney has personally reviewed the circumstances of your account. However, if your account remains unresolved, the current creditor may consider additional remedies to recover the balance due. We are not a law firm, and we will not sue you on this account. We do not make decisions as to whether to place your account with a law firm as that decision rests solely with the current creditor. '' This means that at least one individual from Independence Capital Recovery , LLC ( ICR ) contacted me, and two members of my family ( to my knowledge, no one else was contacted ) falsely pretending to be an attorney in a threatening manner.
Product: Money transfer, virtual currency, or money service

( XXXXlock, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving mv account vulnerable and unprotected. Furthermore, their dispute resolution proces 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 redre for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate deletion of the derogatory item associated with my account, referenced above. The reported details are as follows : XXXX Reported Balance : {$2900.00} Last Reported : XX/XX/XXXX Account Opened : XX/XX/XXXX Account Closed : XXXX XXXX, XXXX XXXX XXXX XXXX Account Dispute Status : Resolved ; consumer disagrees, account closed by consumer I am deeply concerned about the accuracy and legality of the reporting of this account, specifically : Furnishing of Personal Information : I maintain that my personal information has been reported without my explicit written permission or instructions. I have not provided consent for the disclosure of this information and demand immediate deletion of this PRIVATE PERSONAL information Account Validity : I dispute the validity of the reported account as a collection account. The remarks indicate that the dispute has been resolved, but I disagree with the reported information. I request an immediate and thorough review of the account 's history and supporting documentation to verify its accuracy. 

Cease and Desist Reporting : Given the disputed nature of this account and the concerns raised about the furnishing of my personal information, I demand the immediate cessation of reporting this item to all credit reporting agencies. I expect that the derogatory item is removed from my credit report promptly. 

In accordance with consumer protection laws, I assert my right to accurate and verifiable information on my credit report. I kindly demand that you take the following actions : Delete the derogatory item associated with this account from my credit report immediately. 
Confirm in writing that the reporting to all credit reporting agencies has ceased. 
Provide a detailed response outlining the steps taken to remedy this situation and prevent further unauthorized disclosures. 
I request a written response within 30 days of receiving this letter, confirming the actions taken to address my demands. Failure to comply with this request will prompt further action, including filing complaints with regulatory authorities and seeking {$1000.00} per violation. 

Thank you for your immediate attention to this matter. I anticipate a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX which is the underlying corporation for XXXX XXXX XXXX claims that as of XXXX no payments have been made however below is the information that was on the back of my XXXX check number XXXX written on XX/XX/XXXX for the amount of {$180.00} deposited into XXXX XXXX XXXX and check XXXX written on XX/XX/XXXX deposited into XXXX XXXX XXXX. I disputed it with Experian which is the credit agency that I use to keep tabs on my credit report. XXXX XXXX XXXX is failing to report proper payments made for my XXXX XXXX XXXX clean me no payments have been made even though I have copies of the deposited checks. Since they fail to recognize the payments which I have made and of proof via XXXX deposited checks into their account I don't know if it is considered theft since they are claiming I owe money paid and they refusing to acknowledge the payments however they have kept the money or if it's fraud for lying that they have not received the money again when I have copied of the XXXX deposited checks into their accounts. 

Claims payments not made have copy of checks deposited in creditors account XXXX XXXX XXXX XXXX for {$180.00} on XX/XX/XXXX check XXXX & XXXX for {$150.00} on XX/XX/XXXX check XXXX
Product: Debt collection

I received a notice on my credit report that is not mine for the amount of {$480.00}. I kindly called the company to advise this isnt mine and that I need some type of proof of this bill. The company advised me they would send me the right documents to prove this is my bill. I received a letter with all different types of dates and balances that dates back from all the way to 2015. I have contacted all 3 credit agencies ( Transunion, XXXX, XXXX ) and disputed this charge. It cant back verified with NO PROOF a week later! which is a violation of my rights .This is nothing that shows I owe these bills. Due to this not being the correct documentation to send showing proof of collection I am requesting that this medical bill account number XXXX be removed from my credit file immediately.
Product: Money transfer, virtual currency, or money service

I walked into a Bank of America financial center located at XXXX XXXX XXXX XXXX XXXX, DE XXXX with the intent on depositing my promissory note with the interest due to me by multiple business whom I have contracts with. I was advised by multiple employees at this bank that they could not deposit my promissory note which I also advised was a check ( remittance coupon ) because it was just a piece of paper and that they could only pay the company and that they refused to deposit my funds because they claim they have been doing their job for years and never seen this type of transaction before. I asked and verified that BOA  was an FDIC insured bank per 12 CFR 229.2 ( e ) ( 1 ) ( as defined in section 3 of the Federal Deposit Insurance Act ( 12 U.S.C. 18I3 ) ) and advised the teller of the FDIC federal law showing my right to deposit such instrument as a NON-CASH ITEM in a check form without magnetic ink and a routing #. I also advised that since the account number is available that the account can be located within the system which would show them the account number they needed for the targeted financial institution and I was still denied. I requested a call to a manager and that manager also advised the teller that they could not perform this task. Although, I called BOA customer service 3 times and confirmed with XXXX that this was a process that I was federally obligated to perform and that BOA is aware of this procedure as well. According to the BOA Deposit Agreement and Disclosure this banking institution accepts and deposits non-cash items such as checks so why am i being denied and told that the non-cash item check i am demanding to be deposited which is paid to the order of me denied and told it is not a check by not 1, not 2, not 3 but at least 6+ employees and managers that this simply can not be done. I presented the check the the bank did not pay the check upon presentment. I also made sure to endorse my instrument and was still denied my right to deposit a check on my account. The staff should be trained and educated on how to process these type of transactions as well as the many types of deposits a consumer is federally rightfully able to perform to prevent complaints and violations from being performed.

12 CFR 229.2 12 CFR 1005 7 CFR 1901.508
Product: Credit card or prepaid card

Good day, Recently i have started to see that 3 credit card accounts opened under my name in United States, however i left United States in XXXX of XXXX, below is recent information from XXXX form which you can also check ( XXXX XXXX XXXX XXXX XXXX ) Most Recent XXXX Results For : XXXX XXXX Most Recent XXXX Admission ( XXXX ) Record Number : XXXX Most Recent Date of Entry : XXXX XX/XX/XXXX Class of Admission : XXXX Admit Until Date : D/S Details provided on the XXXX Information form : Last/Surname : XXXX XXXX XXXX Given ) Name : XXXX Birth Date : XXXX XX/XX/XXXX Passport Number : XXXX Country of Issuance : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ TRANSUNION ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ TRANSUNION ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ TRANSUNION ]. 
Account Information : Creditor Name : XXXX  Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ TRANSUNION ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress.

The violations committed by [ TRANSUNION ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ TRANSUNION ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ TRANSUNION ] upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ TRANSUNION ] accountable for their actions.

Sincerely,
Product: Credit card or prepaid card

Account was opened, while I was in XXXX  ( which is XXXX  ). This could not have been opened by me because it was no way I had access to phone, computer, etc.
Product: Checking or savings account

I opened a Citibank Checking account online on XXXX/XXXX/XXXX and was approved on XXXX/XXXX/XXXX. I waited weeks to receive the debit card but never did. I called Citibank customer service and finally got the card around a month after account opening. Because I received the card late, I went to Citi 's website and secured messaged Citibank on XXXX/XXXX/XXXX to confirm my promotion of XXXX AA miles and when the required actions needed to be completed by. In the response I received, the customer representative said " no later than XXXX/XXXX/XXXX '' for the AAdvantage bonus miles to be credited. Because of this information, I completed the requirement on XXXX/XXXX/XXXX. When I secured message Citibank again to confirm the bonus was met, they replied now telling me I did not meet the requirement deadline as it was XXXX/XXXX/XXXX, contrary to what I was initially told. When I replied back telling them I was given incorrect information from the original customer rep and that caused me to missed the deadline because of Citibank 's error, they acknowledged the error and apologized I was given the incorrect day in the previous message but would not make an exception to give me the XXXX AA bonus miles. I replied to escalate the matter and have a supervisor make a claim for it since it was Citibank 's error that caused me to miss the deadline. But was told no.
Product: Mortgage

Nationstar Motgage will not give me a copy of the Lender Placed Insurance they placed on my property for the last 3 years.
Product: Debt collection

I had been a long time customer of XXXX wireless. In XXXX of XXXX I moved to XXXX and found there was not XXXX XXXX. I contacted XXXX and was let out of my contract due to lack of service. I was sent an envelope, mailed my phone back to them, and paid my final bill. Several months later, I was charged for the phone. I contacted XXXX and explained to them that I returned the phone. Several months after that I began being harassed by a collection agency ( I no longer have the name. ) In XXXX, I filed a complaint with the XXXX. I never received a response from XXXX but the collection dropped off of my credit report. However, it now appears that a new collection agency or agencies are attempting to collect this same false debt. These collection agencies are Source Receivables XXXX, through XXXX, and XXXX XXXX XXXX through XXXX XXXX of these collection agencies are located XXXX. However, one has a physical address while the other lists a PO BOX XXXX They have different phone numbers. These collection agencies claim that the account was opened in XXXX of XXXX and became late in XXXX of XXXX. However, the exact dates differ between XXXX These incorrect dates are a fraudulent attempt to draw out the period of time that a collection can appear on my credit. There are numerous illegal issues here and they appear to apply to several companies. First, I do not owe XXXX any money. XXXX is at fault for falsely claiming that I do but also for falsely extending my contract by dropping my XXXX XXXX XXXX discount and then changing the start date of my contract from the time I renewed the contract to the time I asked for them to reinstate the discount, a matter of several months. Source Receivables XXXX and XXXX XXXX XXXX are attempting to collect a debt that I do not owe and in doing so have tried to strong arm me by using unfair business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by the law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec.1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX percent right and correct. So, could you pease check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I DEMAND THE FOLLOWING ACCOUNTS TO BE VERIFIED OR REMOVED IMMEDIATELY. 

Name of account Account number CHILD SUPPORT ENFORCMENT XXXX Name of account Account number XXXXXXXX XXXX XXXXXXXX Verification Cancel contracts. Please provide the original contract or delete. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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
Product: Credit card or prepaid card

I have one accounts with Sam 's Club ( see attached documents ) for over 15 years. Many years we have had a good relationship with each other. I have never had a late payment with them until this crisis. 

I got XXXX  with the XXXX. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. I am still trying to work something out with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent on documents to show the Debt cancellation and the documents showing that the US Bankruptcy do not report to any credit bureau and XXXX freeze as well. So they did not pull from this source as well. They refused to to remove. 
Thank you XXXX XXXX XXXX
Product: Mortgage

I just went through a lengthy loss mitigation lawsuit with Green Tree Servicing. We each had attorneys and once the paperwork started moving, we came to an agreement. I made the XXXX XXXX payments as promised, beginning in XXXX of 2015. The next payments XXXX XXXX and XXXX XXXX were for the same amount. I have all payments sent automatically by my bank so there is no problem and there was none -- until I received the statement for XXXX. There are charges on there that were never mentioned in the agreement. One of them is in the amount {$2100.00}, which was supposed to be a forbearance in interest charges. That was outlined in our agreement. The other is for {$5.00}, which was never mentioned in the agreement and they tell me it is for attorneys fees totaling {$53.00}. They are going to charge XXXX payments of the {$5.00} for that, beginning with the XXXX payment. When I asked " XXXX '' why did I see the {$2100.00}, since that was a forbearance amount, he stated that it was for back interest and I would be charged for that later (? ). When I asked again, he said " I ca n't answer anymore questions, do you want the fax # to write your letter directly? '' What I am looking for is that my agreement be honored ( as I have made good faith payments as promised ) and that Green Tree does not add their bogus fees to my mortgage payments. It is not right and will not go away without intervention.
Product: Student loan

I completed my MEd in 2015. Upon graduating, I consolidated all of my loans during my grace period. However, when I filed my taxes, my entire refund ( over {$8400.00} ) was offset for defaulted student loans. When I consolidated my loans, several loans were omitted from the consolidation. No one has ever given me a straight answer on why all of the loans were not consolidated as I requested ( as there is no such thing as a partial consolidation that I am aware of ). Since then, I have re-consolidated and have been repaying on time. My servicers at the time were XXXX and SC Student loan. The SC Student loans were the ones that were not included in the consolidation.
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 ). 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 do 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 the appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Inquiry 1 : XX/XX/2023 XXXX XXXX XXXX ( Bank ) Inquiry 2 : XX/XX/2023 XXXX XXXXXXXX XXXX ( Finance ) Inquiry 3 : XX/XX/2023 XXXX XXXX ( Finance ) Inquiry 4 : XXXX XXXX, XX/XX/2023 XXXX XXXX ( Finance )
Product: Student loan

Fedloan servicing falsified my income driven repayment application for XX/XX/2016. I submitted the income driven repayment application on studentloans.gov. My account on studentloans.gov reflects exactly as I remember filling it out and submitting it. I requested to simply update my income and continue the repayment plan I was currently on. I was surprised by a huge standard payment bill in XX/XX/XXXX as I was not expecting an interruption in payments or a change in my payment plan as I requested to stay on my same payment plan. Fedloan insisted I had no choice but to switch plans based on my application, I told them I did not want to switch plans and I did not put that on my application. Fedloan refused to provide me with the application they claimed said they could force me to switch plans until XX/XX/XXXX. upon review of their falsified document, a box was marked manually requesting my lender pick the plan with the lowest monthly payment and place me on it in addition to the conflicting mark I selected in item number one requesting I continue my current plan and simply recalculate my payment. all of the boxes I selected have electronic x 's and this box they claim I checked that allowed them to force me to switch plans does not. I did not check the box requesting fedloan force me into whatever payment plan had the lowest monthly payment. When I confronted Fedloan about this Fedloan threatened me that if I peruse the injustice bestowed on me that they would place me back on standard payment and continue to erroneously capitalize my interest every month I had to defer until I submit and they take as much time as they want to " process '' my application. This is an injustice and I will not allow Fedloan to continue to threaten me into allowing them to falsify my loan document. I am demanding they address this injustice by reversing the activities placed on my account based on the falsification.