23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I sent a dispute to Experian concerning several items that were inaccurate on my credit file. These accounts were disputed directly with those Companies and said to no no longer exist with those various offices. I demanded a investigation provided the proper information needed and nothing was done. This was the third effort to resolve these validation issues. XXXX # XXXX XXXX # XXXXOHIO DEPT OF HUMAN SERICES XXXXXXXX # XXXXI sent the same complaint to XXXX and XXXX as well with no response back
Product: Student loan

Dear CFPB. Thank you for being there. I was responsible for approximately {$80000.00} in Student Loans. In XXXX, I lost my job and my house. I worked with the student loan lender at that time ( XXXX XXXX XXXX XXXX XXXX ) to work out a solutions. As we worked towards a solution, the interest on the load increased with everything they did. Eventually, they turned the loan over to the Treasury Department to have the payment deducted from my Social Security Account. For nearly two years those payments were deducted from my Social Security Account. In XXXX of XXXX I was informed that the responsibility for the loan had been transferred to ECMC. With added interest, the amount due was then about {$240000.00} - four times the original loan amount. The deductions from my Social Security Account stopped for six months. After six months, ECMC turned the collection over to the Treasury Department. Again, the Treasury Department began deducting the payment amount from my Social Security Account. As of this writing, three payments have been so collected. However, ECMC has continued to call and write me. I see no reason for them to continue to do so. Here 's their most recent email : ============================================================ Date : XX/XX/XXXXECMC Account # :XXXX Dear XXXX XXXX My name is XXXX with Educational Credit Management Corporation ( ECMC ), the guarantor of your federal student loan. You may have received a letter from us recently regarding the default status of your loan ( s ). Student loan default can have negative consequences. The U.S. Department of Treasury may seize your tax refund on behalf of the U.S. Department of Education, you may be subject to a portion of your wages being garnished, negative remarks on your credit report ( s ), and while in default, you are not eligible for any federal financial aid. We are here to help you! Please call me today and we can find the right solution for you. We will work together to establish an affordable monthly payment based on your financial situation. Please call me today at XXXX. Due to the time sensitivity of this matter, please act now before time runs out. Sincerely, ECMC www.ecmc.org/XXXX  ============================================================ I am also attaching the most recent informational mail piece from the Treasury Department indicating the deduction of last month 's payment. Please let me know if you need any additional information. Thank you. Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My cash app was cleaned out XXXX and I was sleep when it happened. Somebody hacked into my account and made it look like I sent it. And when I contacted cash app about it. They responding to a few emails and then stopped responding and just kept sending an email saying they cant refund the money. I sent screenshots of what happened. And on the transactions you cant request a refund as they told me to do. When I click request refund it says contact cash app support. They said they were going to investigate and just never responded back.
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute for late payments on my credit report that should not be there. This was a direct dispute with the XXXX XXXX  credit buearus, not the creditor itself due to the fact they are the ones who's inserting these incorrect late payments to my report. Letting them report these incorrect late payments violates my rights under the FDCPA
Product: Vehicle loan or lease

I bought a car from us auto back in XX/XX/XXXX. Paid a down payment and paid on it u til early XXXXXXXX XXXX XXXX My balance is incorrect and they cant find my payments that were made or not transferred over to Westlake portfolio. Harassing calls and emails. Threatening to repo and add other fees that Im not aware of. I never sign a contract with Westlake. My warranty is void after us auto sale sold my information and Westlake isnt honoring the contract.
Product: Debt collection

I canceled service with XXXXXXXX XXXX  XXXX Then they were charging me XXXX dollars because of an error on their part. I bought a soundbar for XXXX dollars from XXXX XX/XX/2022 and returned it right away because it was bad quality. 
Then they actually tried to charge me XXXX dollars for the soundbar. Eventually I shut the account because they were harassing me for something I didn't owe. Finally a manager said he would look into it and then he found the returned soundbar weeks later.. They said the account had to remain open while they searched for the soundbar, meanwhile charging me 2 months of unused service while I was already with a different company. This is absolute incompetence and bad business to do to customers. XXXX is actually trying to ruin my credit for something that I don't owe. I'm ready to expose this company and go to court.. I have screenshots of them saying the balance is XXXX. I disputed with Experian and they sided with XXXX so I will send a complaint on Experian as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Opened XX/XX/2013 Amount XXXX Account balance XXXX account paid XXXX balance
Product: Debt collection

Wakefield and Associates are reporting 6 accounts on my credit. I called them on XX/XX/19 at XXXX to verify this debt because I have never heard of XXXX XXXX XXXX . I spoke wit XXXX XXXX Id number XXXX. Upon speaking to her I learned that the amounts being reported on my credit are incorrect. She was unable to verify 3 of the accounts with any information and all 6 have different information than what is being reported on my credit. I requested to speak with a supervisor and was denied. This negatively impacting my credit with inaccurate information.
Product: Debt collection

Received letter dated XX/XX/2021 Stating that I owe a debt of {$980.00} to a credit agency. I do not have a contractional agreement to pay Dynamic Recovery Solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This investigation took longer than 30 days and was sent on XX/XX/2022. Equifax is in violation of 15 U.S. Code 1681c-2 and was supposed to block the fraudulent accounts within 4 days once they have received my complaint. Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Mortgage

We entered into a contract to sale our home through the assumption process on XX/XX/year>. The lender has significantly delayed this process by not providing the assumers with all the requirements at the beginning and has been asking for additional documents from them every week over the last XXXX months. While they have XXXX business day to process the completed application ( re - Circular XXXX ), the delay caused by them not initially asking for all the required documents is causing a significant financial burden as we XXXX in early XXXX and are now paying rent, a mortgage, as well as utilities and insurance for XXXX properties. While they are within their processing window due to the signifier of " complete '' in the circular, our hope is this behavior will be noted and addressed.
Product: Debt collection

MIDLAND FUND ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MIDLAND FUND or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MIDLAND FUND or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I noticed late payments on a few of my accounts and it has been XXXX trying to get them corrected. The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. The accounts XXXX XXXX XXXX XXXX are showing late payments when I have stated they were never late. The XXXX account is showing the account # XXXX three separate times and there should only be one whole account. Experian, XXXX, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.
Product: Checking or savings account

Citibank offered XXXX XXXX XXXX  miles for opening a checking account and completing {$1000.00} in purchases using ATM card and {$1000.00} in ACH deposits. According to the terms and conditions, once the offer requirements are met, miles will be credited to your account within 30 days. I opened up a checking account on XX/XX/2023 and completed the required tasks. On XX/XX/2023, I chatted with customer service and they confirmed that I had met the offer requirements. On XX/XX/2023, I chatted again with customer service and they stated that I met the offer 's requirements on XX/XX/2023. They filed a promo dispute ( YOUR CASE ID : XXXX ) and stated it should take XXXX business days to investigate. XXXX days later, I still have not heard anything from Citibank nor have I gotten the XXXX bonus miles.
Product: Debt collection

On XXXX XX/XX/19, I agreed to pay Midland Credit Management {$200.00} on XX/XX/19 and XX/XX/19. The auto draft did not take out on XX/XX/19. Each time I called, I was advised the representative handling my account was either closed or not available. I finally reached XXXX on XX/XX/19 in which he told me they were having " financial difficulties '' processing payments. When we first spoke he told me " ensure I have the funds in my account to process the payments '' which is why I told him no later than the XXXX or XXXX of the month so that I can ensure they are paid. My paycheck was cut short due to an HR issue in which I am waiting on a refund check via the mail. I have other bills I need to take care of now and when I told XXXX that he transferred me to his supervisor XXXX. XXXX said there was nothing he could do. I told him this has caused me nothing but stress and was unwilling to provide me with any other information other than " ensure there is money in my account ''. I asked when the payment will be taken as the contract that was agreed upon would take the money out on the first if the money was not there. I was not given an answer but only kept in a looped conversation. Highly frustrating and stressful to deal with when I work a full time job trying to get back on track with my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ohio XXXX You are in direct Violation of the fair credit reporting act ( XXXX XXXX XXXX ) has violated serval of my rights. 

15. U.S.C1681 Section 602 : A Clearly states that I have the right to privacy.

15. U.S.C1681 Section 604 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15. U.S.C 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several law under the fair credit reporting act.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate cash customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure 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 Electric Fund Transfer Act, ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Checking or savings account

Social Security sent my deposit to Regions Bank on or around the XXXX of the month before I was to get it on the XXXX. Regions Bank gained interest on my XXXX check before giving it to me. I signed an agreement with them to get my deposit when they received it.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach and request that the following inquiries, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized inquiries removed from my credit report. 
Inquiries for Blocking and Deletion : XXXX. XXXX XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX/DOFED # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX/DOFED # XXXX, Account name : XXXX/DOFED # XXXX, Account name : XXXX/DOFED # XXXX, Account name : XXXX/DOFED # XXXX, Account name : XXXX/DOFED # XXXX, Account name : XXXX  # XXXX, Account name : XXXX/DOFED # XXXX, Account name : XXXX/DOFED # XXXX, Account name : XXXX/DOFED # XXXX, Account name : XXXX/DOFED # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX  # XXXX, Account name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, has violated my rights. 

I looked at my Trans Union credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I reported a NOT accurate information filed on my Equifax, and XXXX credit report. I tried reaching the credit card company and Equifax and XXXX, and even when I send documentation that proof that this account was never paid late, they continue to report on my credit and this is affecting me in many ways. I send letter to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, nothing work. Dates associates to late payments shows XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX and them XXXX two additional late payments.
Product: Credit card or prepaid card

On XX/XX/XXXX, I had a payment of {$330.00} come out of my bank account. Their website showed a minimum payment due of {$130.00} approximately. ( this was confirmed by a rep today XX/XX/XXXX at approximately XXXX mst ). I realized that I was over my limit and the paper statement showed the {$330.00} as the minimum payment so I assumed that I had just read the website wrong. It was about {$20.00} off in XXXX so on XX/XX/XXXX, after my XX/XX/XXXX statement had posted, I took a picture of the minimum due on XX/XX/XXXX it showed {$140.00}. Today I logged on and it is showing a payment of {$210.00}. My paperless statement also shows the minimum due as {$210.00} but website clearly shows a minimum due of {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here are the following items that do not belong to me or were opened without my permission. 
XXXX XXXX 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 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
Product: Student loan

My student loans service changed from XXXX to AIDVANTAGE. I have been trying to make a payment since XX/XX/23 and AidVantage keeps reversing my payments with no reasons as to why they're not accepting my payment. I called my bank and they had no evidence of aidvantage ever trying to collect payment. Aidvantage keep reversing the payment themselves! I tried emailing them 6 times and I have not heard back from anyone. I tried making a payment over the phone and it cancelled my payment and hung up on me. I tried calling customer service and after waiting for a whole hour for someone to pick up, they hung up on me! I have tried to make a payment over 4 times and I have the proof if needed. This is incredibly frustrating and unfair. I researched this enough to find out that this is happening to many others and I am convinced they are doing this in purpose to accrue more interest from us. I am reaching out to my local congressman for help because this company does absolutely nothing to help their customers and they need to be held accountable. Worst customer service I have ever dealt with.
Product: Debt collection

XXXX XXXX has corresponded with me through mail that my XXXX account is a result of id theft. Yet it is still on my credit report and they are continuously sending me small refund checks for this XXXX account. I want this debt removed from all of my credit reports immediately
Product: Debt collection

Tried to reach out to them to let them know the apartment balance was paid to end the lease.. in 2013. They will not talk with me only hang up the phone and say contact XXXX but this debt is not mine. Even asked to just pay it to get it off my credit because Im trying to purchase a home and this is the only thing on my credit and thats how it was found out was never contacted by the apartments or from This company in no form shape or fashion. EVERYONE THERE ONLY HANG THE PHONE UP IN YOUR FACE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute this account over and over again with Experian. The collection agency has provided me with proof that the account first became delinquent in XXXX and it should come off because it is past the XXXX  year limit for collections. Please find the attached proof. I submitted a complaint on XX/XX/XXXX complaint # XXXX. The complaint was incorrectly closed because Experian states that I am not authorized to submit changes or corrections to my credit report. This is not true. I am the authorized person because it is my credit report. I have tried to contact Experian and they refuse to take my call to correct this matter. Please look into this issue and have it corrected. Thank you.