23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I borrowed money from CashNet USA back in XXXX for I think XXXX. I did default of the loan. CashNet sent remaining balance to a third party collection agency in XXXX, XXXX XXXX XXXX. XXXX XXXX stated I owed XXXX. I set up a payment arrangement with them and paid of the loan in early XXXX. I received a letter from XXXX XXXX with the account number for CashNet stating the balance was now paid in full, owing XXXX. Thinking this loan has been satisfied, I have received at three different debt collection agencies stating I still owe. They threaten to serve me at work or at home. They will call multiple times to my spouse and family members trying to reach me. It is not until I actually speak with someone and explain the debt was paid and email proof to the collection agency, that I am believed. I have tried to contact CashNet twice to figure out why this debt is still out there. The first time a third party agency called back in XX/XX/XXXX, a rep from CashNet agreed the debt was sent out to XXXX XXXX and said I needed to speak to them because they must didn't send the paid in full information. I spoke to XXXX XXXX at that point who said it was taken care of. Then in XX/XX/XXXX, I received another third party agency stating the same : come to my house, come to my work etc. I emailed information over to this collection agency and was told they no longer had business with me and hung up. I called CashNet a second time in XXXX, the rep this time could only confirm that the debt had been sent out to a collection agency previously and had nothing to do with a collection agency collecting on a debt paid or not. Now yesterday, a third collection agency called XXXX XXXX XXXX, used a " independent '' contracting to call and harrass again me, husband and family to make sure I was home to give me certified papers. She eventually gave me the number to the 'filing party '' she was representing. I called XXXX with a case number of XXXX. The number belongs to XXXX XXXX XXXX. I spoke to a rep, XXXX, who pulled up my account said I owed for the same debt amount XXXX to CashNet. I again explained it was paid with XXXX XXXX. I gave him the account number and he said he was good and would send a note to CashNet. This should be the third note sent to CashNet that the debt is paid. I am at my wits end. XXXX XXXX said they received the debt in their office just 3 days ago. He could or would not explain how and where he obtained this debt, but did imply it starts with CashNet. I have tried calling them twice to no avail! I want this taken care of once and for all, but not sure who to contact to make collection on this stop. The rep I spoke with at XXXX XXXX gave me the documentation needed that states debt was paid off, she could not understand herself why the debt was still " out there ''. The second company I spoke to back in XXXX, I unfortunately don't remember who, but I do have the email I sent. It was sent to XXXX. Please help!
Product: Money transfer, virtual currency, or money service

I was doing some investing on the CASH APP platform.and suddenly they stopped 4 payments of mine equal to the amount of a Lil over XXXX dollars.with no reason they did not give me my money back I have called numerous times have talked to so many workers of cash app. But they can not tell me nothing other then it's under investigation. And as soon as I start asking questions they hang up on me.i have all this documented.going on over 2 months now and nobody can tell me nothing.now I am in debt because they stopped payments with out my authorization so now I owe the company to which the money was sapose to go to.they should have never stopped my payments and since they did they should ha e returned my money to my account.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018- I was loaned {$300.00} via online by XXXX XXXX XXXX. The payments are extremely expensive and due to the recent Hurricane Michael- I am unable to continue making these high interest bi-weekly payments. After researching my options, I discovered that Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money. The current interest rate on my loan is 828.57 % - a significantly higher interest rate.
Product: Mortgage

Contacted Freedom Mortgage, requested for the XXXX Analysis pertaining the possible shortage. 
1 ) THEY GAVE ME LAST YEAR 'S ( XXXX ) AND I DIDN'T REQUEST FOR THAT! 
2 ) RETURNED THE MESSAGE BACK TO THEM AND DEMANDED THE ESCROW FOR THIS YEAR. 
3 ) THEY SENT ME A " LAYOUT PLAN '' FOR XXXX STARTING XX/XX/XXXX - HOW MUCH MY MORTGAGE WOULD BE BUT WOULDN'T TELL ME WHAT THE SHORTAGE WAS! 
4 ) I REQUESTED THE SHORTAGE. THEY FINALLY TOLD ME IT WAS {$930.00}. I PAID IT IMMEDIATELY. 
5 ) THEY REFUSE TO GIVE ME THE " CORRECTED '' AMOUNT OF THE MORTGAGE - BECAUSE THEY INSIST ON THE " PAYMENT PLAN '' OF {$690.00} A MONTH! ( THAT'S WITHOUT THE ESCROW SHORTAGE PAYMENT ). 
6 ) I SPOKE WITH THE REP OVER THE PHONE AND ORDERED HER TO TELL ME THE AMOUNT BECAUSE I ALREADY PAID THE SHORTAGE! SHE TELLS ME " OH WE DON'T ACCEPT SHORTAGE PAYMENTS, IT'S AUTOMATICALLY 'TACKED ' ON TO YOUR NEW PAYMENT! '' - SHE KEPT ARGUING WITH ME OVER THE PHONE MAKING ME SOUND LIKE I AM " TOTALLY XXXX AND 100 % XXXX ''. 
I HAVE DEALT WITH MORTGAGES - BOTH COMMERCIAL AND RESIDENTIAL FOR OVER 50+ YEARS! 
DO NOT TELL ME I DIDN'T WARN YOU GUYS THAT FREEDOM MORTGAGE ARE 100 % XXXX THEY ARE SCAMMERS! I HAVE PROOF OF SUCH! 
BECAUSE THEY REFUSE TO DISCLOSE WHAT THE 2ND OPTION WAS AFTER YOU PAID THE SHORTAGE! I HAVE REPEATEDLY REQUESTED FOR THAT INFORMATION! 

IN ADDITION, THEY DO NOT MENTION A SINGLE WORD HOW MUCH YOUR MORTGAGE WOULD BE IF YOU PAID THE SHORTAGE -- -> TOTAL OF 5 PAGES OF NOTHING NOTHING BUT ESCROW ( SHORTAGE ) PAYMENT PLAN WOULD BE FOR THE ENTIRE YEAR! AND XXXX ( XXXX ) PAGE OF ANY AMOUNT IF YOU PAID THE SHORTAGE! 

PS : CFPB - I HAVE THE REASON TO BELIEVE THAT THEY ARE INTENTIONALLY " ADJUSTING '' TO FIT THEIR POCKET BOOKS - AKA " XXXX XXXX ''!
Product: Money transfer, virtual currency, or money service

its been three or four months and I was told that in XXXX the funds will be transferred to my account and that the company would communicate with me via email although they have made no communication with me via email I have experienced a incredibly serious financial hardship due to the unwarranted freeze on my account this resulted in the company with holding over {$1100.00} The linked bank account that was associated with my account at Square is no longer active and I would like to update that information however Ive been unsuccessful at getting in touch with anyone who is willing to work with me to solve the issue every time I speak to someone there they tell me that somebody will email me Ive even provided them a secondary email address and Ive made about six calls regarding this with the same response promising an email that never comes. 

Square does this to lots of small business owners when they open an account and I have spoken to many people who have dealt with the same issue square is redlining and is unscrupulously operating without ethics and morals I am a small business owner who was a victim in a Ponzi scheme and I really would just like my money back as I cant even my bills and every dollar helps
Product: Credit card or prepaid card

I purchased an item from XXXX for {$52.00} on XX/XX/XXXX. The item did not come with all of the advertised accessories. XXXX found my claim valid and accepted a partial refund or full refund with return of the item. I chose the full refund option. I followed all protocols provided to me, including shipping it on my dime, after being reassured I would be reimbursed for the cost ( {$14.00} ). XXXX later denied my claim, offering me no refund. 

On XX/XX/XXXX, I filed a dispute with Capital One. They gave me a temporary credit for the amount. 

On XX/XX/XXXX, they denied my claim and reapplied the charge, asking for more information to continue the dispute. 

On XX/XX/XXXX, I faxed Capital One pictures of how the item was not as described, messages between the seller and me, as well as proof that I returned the item. XXXX locked all information regarding this purchase when I disputed the charge, making it difficult to obtain the information Capital One was asking for, but I provided everything that was possible for me to obtain. 

Later that day, I received a denial from Capital One saying that " it lacks all of the previously requested information needed to validate your dispute '' and my case was closed.
Product: Debt collection

I am writing to address a concerning issue with my credit report. Despite other bureaus promptly removing a fraudulent account due to identity theft, your bureau has failed to do so. The associated banks confirmed the identity theft report and promptly removed the fraudulent account from my records. XXXX and XXXX have already deleted the account upon discovering an error. I urge you to rectify this discrepancy promptly by removing the fraudulent account from my credit report. Failure to do so violates my rights and falls short of compliance with the law. Please delete the following account : XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

Comenity Workers Your previously sent letters of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting additional information that your are in need of, has already been provided many times, online and telephone calls. Though you received your desired information, your further researching of the concerns gets no where, just with asking for the same stuff, which only the same additional information can be provided. Your research gets no where, you are happy to refuse the return of the funds. Also, you offer no fax numbers or e-mail addresses to provide the repeat additional information to you, besides the postal mails and your online, which has been unable to contact to the department Again, here are the same additional information that you desire. 

XXXX XXXX connected me with XXXX XXXX XXXX mentioned previously. 
This company supposedly provided repairs to homes as warranty. 
When using its services, requested claims, they would not respond. 
Tried reaching them through e-mails and telephone calls with no responses. Then, contacted them to cancel as they were not providing their services. Unable to cancel as they wont respond. 
XX/XX/XXXX called with e-mails. 

XX/XX/XXXX {$2200.00} XXXX falsely advertising coverage services which none were ever provided. Contacted through e-mails and calls many times. XXXX Worker XXXX did not call as mentioned. No other XXXX workers ever returned calls or heard from as arranged. XX/XX/XXXX requested cancellations for return of the funds. Comenity has not provided any assistance with this, delayed 2 years now XXXX Any more repeat information, you may contact me through e-mail that you have on file or fax. No postal mails XXXX card
Product: Credit reporting or other personal consumer reports

I am a concerned consumer and want to ensure that my accounts are being reported 100 % across the board to the credit reporting agencies. I am fearful this may not be the case and have not received this confirmation from this company yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$7900.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$5700.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$5600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$3600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$2000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} XXXX and DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1100.00} XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

FCRA 605B requires the deletion of any incorrect accounts from my credit report. These accounts have been inaccurately reported. I should be awarded {$1000.00} for each false entry on my credit file.
Product: Credit card

I filed a dispute regarding unauthorized charges and the bank rebilled me without fixing the fraud claim
Product: Credit reporting or other personal consumer reports

Credit services international corp is a third party collector I do not have a contract with them nor did I authorize consent for my personal information to be shared They keep closing and reopening collections and its affecting my credit Im asking for them to be removed immediately
Product: Credit reporting or other personal consumer reports

When we purchased the car, we set up payments through XXXX XXXX. XXXX XXXX would receive the money and then pay Ally Financial. In XXXX, we received a note from Ally that the payment was late. We checked the banking statement and XXXX had received the money to make the payment. We called XXXX XXXX and the representative informed us that they did receive the payment, but there was a system error and Ally hadn't been paid. We were then informed to make our XXXX payment directly to Ally. The representative drafted and sent us a note explaining the error and they sent the same letter to Ally. However, the late payment was still reported on my credit. I have called Ally several times explaining the situation and have faxed them the letter from XXXX explaining what happened. In addition, I have filed several disputes in which I attached the letter and explained what happened. However, each time Ally has denied to remove the error from my credit report. The account is now paid and closed as I moved the loan to another company.
Product: Debt collection

SEE BELOW LETTER SENT SEVERAL TIMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLUMBIA DEBT RECOVERY LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Final Leasing Invoice Dear XXXX  I am writing again to formally dispute the final leasing invoice I received, dated XX/XX/XXXX. Specifically, I am contesting the charges for a damaged carpet, pet trash, and sewer fees for XX/XX/XXXX, which I believe have been erroneously applied to my account. 

First, the invoice includes charges for a damaged carpet. I diligently cared for the property and ensured that it was returned in excellent condition at the end of my lease term. I dispute being held liable for any carpet damage, as this was not caused by negligence or misuse on my part. To that end, a thorough move-out inspection should reveal no attributable damage. Additionally, I requested a walk-through during the inspection. 

Furthermore, the invoice includes pet trash, sewer, and other fees after XX/XX/XXXX. It's important to note that per our lease agreement, my lease term ended on XX/XX/XXXX. Therefore, I again dispute being held responsible for any charges incurred after this date. I am confident that all contractual obligations were met and duly fulfilled by the end of my lease term. 

Kindly review the contested charges and provide a corrected invoice. It should clearly reflect the lease termination date of XX/XX/XXXX, and exclude the aforementioned erroneous charges for carpet damage, pet fees, and trash and sewer fees beyond my lease end date. I would also appreciate a detailed explanation of any charges that remain disputed. 

Please provide any and all back up and discovery that XXXX has to support its case within 30 days. XXXX continues to provide any documentation. 

Additionally, I am deeply concerned about the impact of XXXX ' erroneous reporting to the credit bureau. If this is not rectified within 30 days, I will have no choice but to file a complaint with the District Court of Maryland seeking punitive damages. 

Thank you for your attention to this matter. I am hopeful for a prompt resolution. Please contact me at XXXX or via email at XXXX if you require further information or clarification. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, OR INQUIRIES, IN DISPUTE AT ALL. See Police Report, for all accounts, addresses, and inquiries, below, need to be BLOCKED AND DELETED IMMEDIATELY, Effective this Tuesday, the XXXX of XX/XX/XXXX, at XXXX XXXX est, XXXX, as a result of being a victim of Identity Theft, losing my Birth Certificate, Social Security Card, and Drivers license, in the XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX. Peace and blessing! 

EQUIFAX : Addresses : XXXX XXXX XXXX  XXXX, GA XXXX, XX/XX/XXXX Accounts : XXXX XXXX XXXX : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX  XXXX  : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I created a dispute about an account record that still exists on my XXXX  account for a debt that has been paid since XX/XX/2020. The account says " paid in full '', but the record still shows as " 1 collection account ''. This is keeping me from getting a higher credit score and damaging me personally. 

I contacted XXXX  to find out why the paid in full collection account is still being reported on my account and they told me to contact Transworld Systems to get the paid in full debt report removed. 

When I contacted Transworld they told me they do not remove paid in full debt reports from bureaus like XXXX. 

If neither of them do this then how in the heck do I get it removed from my credit report?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX Account XXXX : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I sent all three credit bureaus information and requested that my previous married name be removed from the credit information. I sent the first letter out in early part of XXXX and nothing was changed. I resent another letter again asking the information be corrected. I then receive another letter along with a copy of the credit report with the same information remaining. 

If they wanted to verify my identity then why not send me a letter for verification but never received any letter to verify the information. I received the latest letter on XXXX from Transunion with the incorrect names and phone numbers not associated to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. I have read enough to understand my rights. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Below is the account with erroneous information and Id like remedied ASAP. 


XXXX XXXX XXXX  XXXX XXXX
Product: Student loan

I reached out to FedLoan Servicing on XX/XX/2021 using the contact box on their website ( after logging in to my account ) to find out : -When will I need to recertify my income after student loan payments resume to stay on my income drive repayment plan? 
-What will my monthly payment be when payments resume? 

I received an automatic replay on XX/XX/2021 and so far no one has responded to my email.