23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We started pool service with XXXX XXXX XXXX XXXX XXXX when we moved into our home in XX/XX/2017. All went well until the following year in XXXX. The service was handed off to someone new. The parts broke often, the baskets and filters were filled with leaves, we often bought chemicals as the pools chemical composition was a mess, our backyard completely flooded and the last straw was when our pool turned green all while we had a weekly pool service. XXXX XXXX XXXX XXXX has turned our bill over to Century Debt Solutions who we have tried to make contact with multiple times to no avail. XXXX now claims that we owe {$250.00}. This is false. We cancelled our service in writing on XX/XX/XXXX. The owner continued to bill us {$90.00} and I made many attempts to contact him, all of which received no response. In the past, if there was a problem, he would respond. Once we cancelled, no such luck ; Although he did continue to bill us ... this has been a ridiculous nightmare that I would like to go away. The owner did finally reach out to us to let us know we would have to strictly deal with the debt collectors, now they will not respond either. Our final bill shows as {$90.00}, not {$250.00}. He had agreed to forgo The last payment due to the fact that the service was awful. I tried to contact him many times through e mail, text, and voicemails with no response.
Product: Credit reporting or other personal consumer reports

XXXX already deleted this account due to consumer right discrimination ; proof will be attached, please follow the XXXX and delete asap. Credit Inquiries XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a letter from XXXX XXXX representing XXXX XXXX XXXX XXXX   ( apartments ) claiming there was a final charge of {$920.00}. There was no statement of charges, no receipts, no explanation of charges, and no proof of any charges owed. I emailed them several times and wrote to them for an explanation of charges and never received any response. Therefore, I turned the matter over to the Attorney General of Idaho, because they needed to contact me within 30 days of move-out to settle charges. The move-out date was XX/XX/XXXX. Therefore, 60 days had passed before contact breaking Idaho Code Section 6-321. They also never at any time informed me where my deposit went breaking Idaho Code Section 6-321 and Lease Section 42 of lease signed on XX/XX/XXXX for 10 months. After me contacting the Idaho Attorney General, XXXX XXXX sold the debt to out-of-state company Columbia Debt Recovery XXXX XXXX. I started receiving letters and phone calls from XXXX at Columbia Debt Recovery. ( included ) XXXX threatened to ruin my credit and turn me into all three credit bureaus if I didn't pay this debt. I asked him for the proof or a statement and he claimed he had proof but could not share it with me. He was calling 5-7 times per day. I finally told him that I did not wish to be contacted by phone anymore and only US Mail  under FDCPA and hung up. I disputed the charge with XXXX XXXX and was told it was for extra rent. I did not owe extra rent and everyone agreed on the Move-out date. ( included ) I received a notice on XX/XX/XXXX that my credit had dropped by 32 points and I checked and sure enough, Columbia Debt Recovery, XXXX XXXX has reported this debt to my credit as threatened by XXXX. Please review the included documentation. Idaho Code was broken multiple times and I have never received a straight answer from anyone what the debt is for after asking multiple times. Also, you can see the Move-Out Inspection notations were Excellent.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$9700.00} Balance updated XXXX XXXX, XXXX Original balance {$8700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured Payment summary XXXX XXXX XXXX CO - XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - CO XXXX XXXX CO PAYMENT HISTORY LEGEND Status Account charged off. {$9700.00} written off. {$9700.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$9700.00} Original balance {$8700.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 84 Months XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX  XXXX, GA XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting or other personal consumer reports

In alignment with the Fair Credit Reporting Act : The inquires listed below has transgressed my federally safeguarded consumer rights concerning privacy and confidentiality as delineated in 15 USC 1681. 

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 have all infringed upon my rights. 

According to 15 U.S.C. 1681, Section 602A, I am entitled to the preservation of my privacy.

Additionally, under 15 U.S.C. 1681, Section 604A, Section 2, it is explicitly stated that a consumer reporting agency can not provide an account without my express written consent.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) clearly specifies that no consumer reporting agency may include certain categories of information in a consumer report, excluding records of crime convictions that predate the report by more than seven years.

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), an individual is prohibited from providing any information pertaining to a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Pursuant to the procedures of the Fair Debt Collection Practices Act, I am demanding that this agency known as XXXX cease all communications as dictated in the FDCPA. This includes indirect communication through the medium of consumer reporting. You may only communicate with me further under the stipulations of responding to any and all complaints from the Consumer Financial Protection Bureau ( Cfpb ). If this agency does not comply with this request, I will seek legal action for FDCPA violations.
Product: Debt collection

XXXX intelligent processing, LLC. is violation constitution of the United States 1st amendment, to be free from extortion, bribery, and concertino tactics. This company is violating 18 USC 894 is CO-SPIRE to commit crimes with XXXX that is against their department policy, the CFPB, FRCA, FTC, THE TERMS AND PROVISIONS OF THE UNITED STATES. This is Extortion and fraudulent tactics under the FTC laws and 18 USC 892, this company is using abusive language and threats and harassment 1692 d, 15 USC ( d ) ( c ). violation of 42 USC s 1307, violation of FARA no Foreign Agents Registration Act of 1938, this company as acting under fraudulent LLC, and is extorting Elderly and ADA live free men and lady 's, children. I am A American with a XXXX, and IM ALL LAW, my XXXX account was Paid in full, by All accounts are pre-paid see Congressional Record XXXX, XXXX XXXX on HR 1490, p 8.3, see Title 10 section 8, see FRN are obligations of the UNITED STATES HJR 192 see title 31 section 3123 see title 31 section 3130, see title 31 section 3124, EXEMPTION FROM TAXTATION. THIS COMPANY IS CAUSING irreparable harm, Libal / slander, UNDER DURESS
Product: Debt collection

Experian is reporting false information on my credit report violating FCRA 15 USC 1681- ( a ) ( b ) 15 USC 1692 ( a ) ( b ) I would like to remove all negative remarks from XXXX XXXX date XX/XX/XXXX. 2021 and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a recebt complaint with CRB concerning my car payment to XXXX XXXX. I spoke XXXX XXXX XX/XX/XXXX about this mishap. Its showing i owe money towards my XXXX bill. which should not be there.It shows im XXXX past due. IM NOT OVERDUE. As you can see it says next payment is due XX/XX/XXXX. It should show my payment that's due for this month.When i ask sup XXXX XXXX on a recorded call why is it.showing a payment due for XXXX he said " He doesn't know and he will get back '' THIS NEEDS TO BE FIXED IMMEDIATELY!! INCORRECT INFO IS BEING REPORTED TOTHE BEAURUS
Product: Credit reporting or other personal consumer reports

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Equifax and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Company have three times I paid on time my bill and they state the information that was entered was incorrect days later. The company had refused to provide proof to show that the information incorrect. Have charged me fee told me multiple times that they have removed them now they are harassing me at work even though I had always paid my bill on time. The company push to have you set up automatic payment and it seem to be the only way to prevent this from happening. The company would pull the money three to five days before the due date which had caused problems.
Product: Student loan

I cosigned a loan on XXXX/XXXX/XXXX in the amount of {$9700.00} for a career training program at XXXX XXXX XXXX XXXX, in XXXX, MD. The loan was originally with XXXX XXXX, now it is with Navient. The original borrower discontinued paying the loan, so I am currently trying to pay this loan off. XXXX XXXX would not allow me to apply to be released as the co-signer. The original borrower is capable of paying for this loan, but no attempts were made to obtain payment from original borrower. I continue to make payments because I am a XXXX employee and having delinquent student loans would effect my employment status and credit rating. To date, I still owe {$3000.00}. The interest rate was 9.750. Not sure what it is today because I have not receive any information from Navient regarding this loan. Loan origination date was XXXX/XXXX/XXXX, however on XXXX/XXXX/XXXX I received a statement from XXXX XXXX stating the principle balance was {$10000.00}. Payments for this loan in the amount of {$120.00} are automatically deducted from my checking account monthly, and according to my calculations, the balance should be paid in full by now. During the course of this loan, many fees have added and the balance barely decreases with each payment. I am unable to speak with a representative about my account to get any details, however I am able to get the total balance due through an automatic system by entering the social security number of the original borrower.
Product: Student loan

I was steered towards forbearance when I explained I was having trouble paying loans. I was informed via email that my new loan servicer was Navient, I ignored the emails from Navient because I thought they were fraudulent or phishing. I had never heard of the company. A friend had to tell me it was a real company and my loans were most likely no longer under XXXX and that 's why I had n't heard from them in a while. This resulted in late payments because the forbearance period had ended. Additionally., I was only given XXXX bill every month it was not broke down to show a payment for each of the XXXX separate loans., However, when I missed payment a late payment was reported to the credit bureaus on each of my XXXX loans resulting in XXXX reported late payments. In my records I missed payment on a bill 8 times. This is misleading and the extent to which it has damaged my credit is only repairable with time. 

I have attached images of how my bill comes to me every month & how a payment is displayed only showing XXXX numerical amount, not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote XXXX XXXX letting them know that my account says open when it is closed and reporting on my credit report. I also advised XXXX that formerly XXXX XXXX on XX/XX/XXXX of the incorrect balance and that it says closed and still showing up on my credit report. They verified as accurate. I also disputed this again on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and still no luck. This is really hindering my credit.
Product: Credit card or prepaid card

I bought a " XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' at {$170.00} on XX/XX/2019 and found a lower price later. I filed a price rewind claim on XX/XX/2019 to Citi, which is on of the card benefit. 
However, my claim was denied because the product is defined as " consumable. '' I believe the decision was incorrect due to the following two reason : 1 this product not only include bulb but more importantly the smart home system, which is definitely consumable and 2. The XXXX XXXX bulbs has XXXX hours lifetime which lives longer than most of the products. I don't think they fall into " consumable. '' category. 
I tried to reach for help with XXXX customer service, but it seemed no way to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and mailed all three major consumer reporting agencies about the inquiries I have discovered on my consumer report. I brought it to the attention of all three consumer reports and have not received a response. I followed up and the inquires have still not been removed. I have also tried reaching out to every one of the creditors and they are unable to find an active account, only some electronic information from XXXX XXXX  XXXX. I am highly upset with the run around that I have received because I was not trying to buy a car during the pandemic. Due to there not being an active account with any of these companies the information is not accurate and I need it removed from my consumer report immediately as the false information will hurt me when anyone wants to see if they can loan credit to me
Product: Debt collection

Collection under a person with similar but different name was requested under my name. I have received the original invoice from the collection company ( Enhanced Recovery Company , LLC ) to confirm that this collection is forwarded to the wrong person. I have requested to dispute the collection company as well as XXXX on early XXXX 2015, however, no action is taken.
Product: Credit reporting

Experian is hanging onto old accounts that should have been allowed to fall off. They are still posting.
Product: Student loan

I have requested the *original* amortization schedules that were supposed to be provided to me at time of disbursement, either initial or final. Navient is refusing to provide these documents, which I suspect is on purpose due to the fact it will show their fraud.
Product: Credit card or prepaid card

I pulled up my credit report & it shows an incorrect address where I am living and they opened an AMEX card on XXXX. My address was changed on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma has continued to give false pre approvals to my email just to be denied just like before! As stated by the FTC, Nearly One Third of Some Pre-Approved Offers Resulted in Denials ; Company to Pay {$3.00} XXXX and Halt Deceptive Claims in which I was just affected by.As well as, Credit Karmas false claims of pre-approval cost consumers time and subjected them to unnecessary credit checks, said XXXX XXXX, Director of the FTCs Bureau of Consumer Protection. The FTC will continue its crackdown on digital dark patterns that harm consumers and pollute online commerce. Credit Karma provides tools that allow consumers to monitor their credit scores and credit reports. To use Credit Karmas services, consumers must provide the company with a variety of personal information, allowing Credit Karma to amass over XXXX data points on each consumer, including credit and income information. Credit Karma uses that information to send targeted advertisements and recommendations for financial products, like credit cards.
Product: Credit reporting or other personal consumer reports

I sent the company a Section 609 letter last month. I also disputed it with all the credit bureaus. XXXX XXXX XXXX XXXX is the company. I'm also disputing the XXXX of the profile. XXXX XXXX XXXX XXXX just recently reported XXXX late payments on an account that is reported closed. The account was reported close in XX/XX/year>. XXXX XXXX XXXX XXXX has not shown proof that they are authorized to collect this debt. Verification of debt is within the statute of limitations. Immediately have them remove the late payments and negative items on my report. It is illegal to report this information without my consent. Contact all the credit bureaus that's reporting XXXX XXXX XXXX XXXX on my report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX initiated an ACH from our XXXX XXXX XXXX to a Chase Bank account. We were given the wrong account number and Chase Bank FAILED to reject the transfer when the account number and the account name did not match. XXXX XXXX maintains that they have no way of knowing that Chase Bank will do their due diligence and make sure ALL information matches the ACH instructions. Chase Bank did not perform their " best practices '' and failed to red flag the transaction. This ACH was for {$13000.00}. 

I would think ACH transfers over $ XXXX should be flagged if the recipient does not match the account number given.
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 did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for said violations.
Product: Debt collection

I was on a payment plan, paying $ XXXXmonth. During this " 3month hardship, i wasnt supposed to get late fees. '' However, they continued to charged me late fees. as I was paying what was agreed. I made several phone calls, they told me the program would take effect after 3 payments of {$90.00} was made. After the 3 payments, still the same  thing. late fees. So I stopped paying, because they couldnt give me what was initially promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that this accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recall this account. Please investigate these items and delete within 30 days. I am very stressed about this and it effects me daily. PLEASE HELP ME AND DELETE THE FOLLOWING ACCOUNT FROM MY REPORT US DOE/ XXXX - ACCOUNT # XXXX
Product: Bank account or service

I received a letter from Ally Bank indicating that I had an account with them and releasing their privacy practices. It even gave the last XXXX digits of the alleged " account #. '' I do not have an account with Ally Bank, nor does any member of my family. It appears that Ally Bank is trying to " trick '' people into visiting its website by making them think they have an account there.
Product: Checking or savings account

Wells Fargo charged me with unbelievable high and outrageous fees for overdrafts. And general fees. {$35.00} per transaction. This went on for years and years. I cant imagine how much they charged me on overdraft fees. XXXX XXXX XXXX of dollars
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry that has appeared on my credit report. The inquiry in question was not authorized by me and is unrelated to any financial activities I have undertaken.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 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 the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 
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 These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX XXXX : XXXX XXXX XXXX UCC 1-308