23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter stating that I owe {$830.00} from Diversified Adjustment Services Inc. I have never done business with this entity before, they provided no contracts or details stating that we had a contractual obligation. They provided an account # XXXX. 

This collection has caused a hardship on my creditworthiness and the ability to function and get credit to use for my daily live.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by the company XXXX XXXX last year XX/XX/XXXX in the summer between XXXX and XXXX. The company representative told me that I was in default of a rental agreement and I needed to return the furniture before the store files a stolen property charge with the local police department. I told them that I was on XXXX XXXX orders and that the furniture was in storage and that I would authorize them to pick it up. The man then stated that he would take a payment of XXXX dollars. I asked him what was the total amount due and he could not tell me. He said he had to add other fees and he would call me back with the amount. The company XXXX XXXX went on to put a charge off debit on my credit report with a charge of amount of XXXX XXXX dollars. I continued to receive calls asking me for payment and threats to file police report for stolen property. I called the company in XX/XX/XXXX to make a payment the representative gave me completely different amount than what was stated on my credit report. When I told her that the amount she stated I owe did not match the amount shown on my credit she put me on a long hold on the phone. when she finally came back to the phone she could not tell me how much I owed on the account still. She stated that she was going to have someone call me back with my account information and payment methods. I never received a call back.
Product: Consumer Loan

In XX/XX/XXXX I voluntarily returned my car to my creditor. I was sent a notice from the redemption department on XXXX XXXX to see if we could work out terms for me to get my car back, we could not come to terms on this matter. I never received any information on when or where my car would be sold or that it would be sold. Then on XXXX XXXX I received a letter of Disposition of Repossessed Vehicle. The letter stated that the car had been sold and that there was a deficiency of XXXX. In there calculations the started with a balance owing of {$9200.00}, and that they sold the car for {$2600.00}, leaving my obligation at {$6500.00}. My dispute is this, on XXXX XXXX I also received a letter from the company that I bought the car from stating that my balance owing was {$5500.00}, and by my calculations when I turned my car in I was at roughly the same amount. If I only owed {$5500.00} on my car if I were to pay it off directly then how can I possible owe {$9200.00} when I turned it in. There seems to be something legally wrong with the way they are calculating amount owed. Does interest on the loan not stop the day I return the car or the day they sell it. How can they have me owing almost {$5000.00} more than the payoff.
Product: Debt collection

On XX/XX/XXXX I met with XXXX representative XXXX at XXXX XXXX, XXXX XXXX, ca. XXXX. 
XXXX explained to me the XXXX services and fees as follows : 1st Service :  {$130.00} ( $ XXXX {$50.00} coupon= {$130.00} ) unlimited service calls for the first 3 months. {$90.00} for the next 3 months and {$90.00} for any consecutive 3 months thereafter. 
I could cancel the contract anytime I wanted 3 busines days after the 3 months of service. 
XXXX wanted me to sign a contract. Despite my refusal to sign the contract or any agreement, XXXX accepted the terms of our oral contract as described above and XXXX said that he only thing he needed was my Credit Card. 

On XX/XX/XXXX I gave XXXX my Visa card and he charged {$130.00} for the Initial Service for XXXX, XXXX and XXXX. 
On XX/XX/XXXX I paid {$90.00} for XX/XX/XXXX, XXXX and XX/XX/XXXX On XX/XX/XXXX I paid {$90.00} for XXXX, XXXX and XX/XX/XXXX Last service done at the residence was on XX/XX/XXXX. 
On XX/XX/XXXX I called XXXX and I requested to cancel the service. 
When I started receiving bills from XXXX I contact XXXX and I was told that I owed another {$90.00} for an extra 3 months because I had not given enough notice. I requested the copy of the contract. Upon inspection of the signature I can confirm that this is not my signature. There for I don't believe that I have any responsibility for this debt. 
Te collection agency is billing me for {$75.00} in order to settle the account. 
Please see documents attached.
Product: Checking or savings account

XXXX XXXX I tried to withdraw {$500.00} the atm only give me {$450.00} I counted my money in front of the atm I tried to pull {$50.00} more off I couldnt at the same atm but could at the store atm across the street from Wells Fargo bank
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and seen an account that does not belong to me. The account name is Portfolio Recov Assoc., number XXXX with the balance of XXXX is showing as collection on my XXXX account. This is not my debt. I do not have any knowledge of this account. Please remove this account from my credit report.
Product: Checking or savings account

On XX/XX/2019 I went to Bank of America located at XXXX XXXX  XXXX XXXX, XXXX, CT XXXX. I spoke to XXXX XXXX a Relationship Manager. I had a check in the amount of {$21000.00} that I received from my mothers life insurance policy, I opened a savings account with said check. I asked how long would it take for said check to clear Mr. XXXX said {$5000.00} of the money would be released on XX/XX/2019 and the {$16.00}, XXXX would be released on XX/XX/2019. I didn't receive any money it's still on hold, I went to Bank of America XX/XX/2019 spoke to Mr. XXXX regarding said issue, he said a third party placed an extended hold on my money and said it will be released on the XXXX XXXX, 2019 but he would call me on the Monday XX/XX/XXXX to see if the money would be released sooner. Needless to say NO phone call from Mr. XXXX. I just want my money so I can pay for my mother 's funeral this time is difficult enough. Please help me get my money. This is so unprofessional and disrespectful.
Product: Credit reporting or other personal consumer reports

Experian was provided sufficient documentation to support blocking for accounts named XXXX XXXX XXXX. These are fraudulent accounts opened under my identity and needed to be removed immediately. FTC police reports and FBI INCIDENT REPORTS HAVE BEEN SUBMITTED WHAT ELSE DO THEY WANT.
Product: Money transfer, virtual currency, or money service

I use PNC for my personal finances and XXXX for my business banking. Unfortunately PNC will not allow the linking of my two accounts, so anytime I need to pay myself I am unable to do so electronically. This is a huge inconvenience and appears to be unnecessary considering the security protocols in place to enable account connection between the two banks.
Product: Student loan

This is a reply to the CFPB via # XXXX please be advised Under the XXXX XXXX XXXX XXXX and Consumer Protection Act, the CFPB has the authority to take action against institutions violating consumer financial laws, including engaging in unfair, deceptive, or abusive acts or practices. The Bureau found that Edfinancial violated the Consumer Financial Protection Act by engaging in deceptive acts and practices. Edfinancial encouraged borrowers to reach out to it for help managing their student loans, and it indicated that it was an expert and could assist borrowers navigating complex student-loan repayment options. FFELP borrowers reasonably relied on Edfinancial to act in their best interests by providing them with complete and accurate information about how to qualify for PSLF and about all the available forgiveness options. Specifically, the company harmed student loan borrowers by : Misrepresenting that FFELP borrowers could not receive PSLF : When borrowers with FFELP loans asked about PSLF, Edfinancial, in many instances, told them they were ineligible, and the company did not tell them they could become eligible by consolidating their loans into Direct Loans and meeting other qualifying requirements. Sometimes, Edfinancial falsely told borrowers their FFELP loans could not be consolidated. These statements, misrepresentations, and omissions created the false impression for borrowers with FFELP loans that they could not obtain PSLF.

Misrepresenting that FFELP borrowers were making payments towards PSLF before loan consolidation : Edfinancial, in both explicit and implicit statements, told borrowers that their payments on FFELP loans would count toward the 10 years of monthly payments required to obtain PSLF. Many borrowers were likely led to believe they were making progress toward PSLF when in fact they were not because they had not consolidated their FFELP loans into Direct Loans.

Misrepresenting to borrowers that certain jobs were not eligible for PSLF : In numerous instances, Edfinancial explicitly stated that certain jobs would not qualify for PSLF when they in fact did. In other instances, Edfinancial failed to include entire job categories, such as non-profit work, when discussing PSLF qualifying jobs. Edfinancials statements likely caused many eligible borrowers to not consider PSLF as a forgiveness possibility.

Describing forgiveness programs to FFELP borrowers without mentioning PSLF : When FFELP borrowers asked about forgiveness options available to them, Edfinancial representatives often described forgiveness options available only for FFELP loans and failed to mention PSLF. The companys statements and omissions created the impression that PSLF was not an option for many FFELP borrowers. FFELP borrowers may have elected not to pursue PSLF because they were either unaware of PSLF or did not think the program applied to them.
Product: Debt collection

This dispute has been going on now since the end of XXXXbeginning of XXXX of XXXX with XXXX XXXX XXXX as we had them and their partner XXXX for both our internet provider and satellite TV provider. We would receive one bill and they would split it up as that was the deal that was given to us when signing up with them. When we decided to cancel with both of them at the end of XXXXbeginning of XXXX, we paid our final bill and was told by XXXX billing that we had a refund coming back to us which we received after turning all of our equipment in and making our final payment. XXXX XXXX XXXX has since stated we never made our final payment to them even though we paid the invoice received showing final bill. All of our payments were made online through their billing system in the total amount of {$160.00} each month and XXXX XXXX XXXX would distribute it as needed. They stated it was the portion for XXXX. Starting in XXXX XXXX  we chose to switch to XXXX XXXX. The communication between the companies billing departments I explained to them needs to be worked on because the customers money needs to be applied to the correct accounts so these type of issues don't keep happening. I've now been dealing with this for several years and it just keep going from one collection agency to another all because 2 billing departments won't communicate with each other. I paid my final bill with XXXX XXXX XXXX and XXXX. One company says it's a XXXX  balance while the other won't listen every time I contact them. I've disputed this before on my other credit report and it was removed now they've put it on the 2 that they didn't have it on previously. It's for {$100.00} and they keep trying to ruin my credit for that. When looking at the rest of my credit you would be able to see that I pay all of my bills so for this one company to try to lie about this over and over is ridiculous. I know other customers of theirs that have had problems with their billing department as well. They should seriously be looked at as to how they do business.
Product: Money transfer, virtual currency, or money service

Zelle a few ppl money and wasn't able to get it back
Product: Money transfer, virtual currency, or money service

i transferred money from my 2 of my bank accounts into cash app. its nothing new, i received money from both of my roommate 's for rent in my XXXX account and into my XXXX XXXX account. i use my cash app to transfer the money so i can then get either a cashiers check or write a check to pay rent. this is nothing new... i do this every month. 
well this time on XXXX XXXX XXXX i transferred money into cash app as usual. then when i went to cash out and transfer to my XXXX XXXX XXXX XXXX account ... .cash app froze my money. suspended my account with out warning or nothing. i contacted support and got the run around, i was told that they escalated my request and i would have to wait to hear from them via email. i heard nothing. i contacted them again on sat, sun and Monday and i still have gotten no response. i get the same spew of words stating that they cant tell me anything beyond this point. i ask for a contact number to whom ever is in charge and i got nothing. i have called cash app support as well and got nothing for answers as to why they have suspended my account. i have explained this is my rent money i have already written the check for rent, it will bounce if i don't have the money to deposit into my credit union account. they do not care. still i get no answers, i am fed up and at my whit 's end because i am going to be on the streets if the check is bounced. in fact we all will be homeless. i want answers as to what is going on and i have gotten nowhere. i even got verified with photo, id, etc and they still refuse to let me transfer my money. they have been very uncooperative. they dont have a number to call and find out anything beyond their support crew. its impossible to get answers from these people.
Product: Credit reporting or other personal consumer reports

Ive identified unauthorized inquiries on my credit report, which violate 15 USC 1681c-2. Please address this error by removing all such inquiries immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX and XXXX, XXXX, I sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information by via LexisNexis and XXXX  yet, failed to respond to my questions of their methods of verification. XX/XX/2022 I resent letters certified with tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately said no and gave me correspondence stating that US Bankruptcy Court do not report or provide information to credit bureaus or any other agencies. LexisNexis sent me an opt out letter stating they protect my information. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681. 15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. You have violated my given rights under 15 U.S.C. 1681. According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions. According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

SUNTRUST BANK UNLAWFULLY GAVE MY INFORMATION TO A PRIVATE CONTRACTOR WITHOUT MY CONSENT, I CALLED THE PRIVATE CONTRACTOR WHICH IS A FRAUD EXTORTIONIST AT PNONE NUMBER XXXX XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance Owed : {$13000.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days and I have not received a response yet. I feel like my disputes are being ignored and that I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate incorrect items within 30 days gives reason to immediately remove those items from my credit report. it has been over 60 days now so those incorrect items should be deleted immediately. I demand that these accounts be deleted instantly or I will file for litigation due to the stress you caused me. Also, my information was impacted by the XXXX  data breach and may have been stolen.
Product: Money transfer, virtual currency, or money service

I invited my daughter to join CASH APP and we each got a {$5.00} bonus. The {$5.00} bonus showed up right away. She then initiated a payment to me in the amount of {$170.00} on XX/XX/XXXX. I immediately received a text notification from CASH APP about the {$170.00} payment, but the payment never showed up on my CASH APP acct. I went through their help menu and followed their instruction to add my cell number to my acct. Still never showed up. Other payments I have sent and received to/from other individuals have appeared right away. There is still no sign of the {$170.00}, even though it was taken out of my daughter 's bank acct on XX/XX/XXXX. I have sent numerous emails, XXXX messages, XXXX messages, and even XXXX about it. I have tried calling every number I can find and they either don't work, or have only a recorded menu telling you to go back to their online help. They either need to refund my daughter 's money, or process the payment so it actually comes to me.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit card

I called XXXX XXXX XXXX XXXX to tell them I did not recognize XXXX charges. They said the would put them into dispute and investigate, during which time I would not accrue any penalty charges. Each month, for several months, I received bills in the mail with additional fees assessed, and when I called XXXX XXXX they told me I neednt pay them, as it was in a dispute status. 
Today I called them and was shunted from XXXX department to another ( disput, customer service, collection, fraud, supervisor ) and told ultimately that they could not remove the charges since they had been accruing for several months. Also, they told me that the investigation had ceased in XXXX, but also that it was now again in a fraud status, so they could not remove late fees and interest penalties. After about XXXX and a half hours on the phone with them in various departments I ended my connection. I offered to pay the original XXXX charges adding up to around {$100.00}, but now totaling over {$400.00} due to interest and late fees they told me would not be charged but will not now remove. Cant have it both ways, but I will not pay those additional fees. They claim to have recorded our past conversations, and I have a letter from them closing my account in XXXX.
Product: Credit card

Examine the provided documents. I request that the credit bureau investigates the accounts attached, as I have not been late with payments despite the erroneous reporting.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect Address