23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I sent a final payment to XXXX in the amount of {$64.00} for the account I closed with them. They cashed my final payment check, then sent the balance XXXX says that I owe to Sequium Asset Solutions , LLC a debt collector. I will not pay XXXX or Sequium for the balance they say I owe, because they used deceptive sales practices so I would use them as Internet provider at our new address. Also, I will not pay XXXX for an installation that was not complete and for internet service that did not perform as promised. Please see below, the letter I sent to XXXX with my final payment. 

" Enclosed is my final payment of {$64.00} to settle my closed account nnnnnnnnnn. 

I am subtracting the {$110.00} ( {$15.00} Flex Activation Fee and {$100.00} Install fee ). The installation was never complete. I was unable to use my wifi printer at all with your service. Your onsite technician could not get it to work nor could your chat support. After your onsite technician said he could not resolve, on XX/XX/XXXX I spent an hour on a chat with XXXX who also could not resolve the wifi printing issue. XXXX put in a ticket and promised someone would contact me to resolve the issue. I never received a call from XXXX to address the supposed ticket initiated by XXXX. Now that I have XXXX XXXX XXXX internet, wifi printing with the exact same printer is working just fine. Also, the installation was not satisfactory, because there were frequent outages of internet service that made all of our devices unusable. I am not paying for Flex Activation when the internet service was not reliable. Flex may have been activated, but without reliable internet, it was useless. 

Additional dissatisfaction with XXXX is with your deceptive sales and billing practices, and poor customer service. I was a customer in good standing for many years under account nnnnnnnnnnnn. My contract on this account included a discount of {$30.00} per month, because I agreed to sign up for an XXXX  Mobile Phone. I had no need for a mobile phone, but the discount more made up for the cost of the XXXX XXXX billings. When I called XXXX to determine our internet provider for our new home in TN, I was informed that the mobile phone discount would continue. He said I just had to contact XXXX after the installation was complete. I spent hours on this issue that you should be paying me for. This issue never was resolved. I was told by a person in chat that the representative who signed me up for XXXX services at our new home was incorrect and the mobile discount could not be applied to the account at our new address. I was never given the opportunity to talk with a person. The only communication on this issue was through a very long chat session on XX/XX/XXXX, and this was after waiting on the phone line for hours to talk with a representative. 

I expect you will accept the enclosed check for {$64.00} as my final payment. If I receive further billings from XXXX, I will file a complaint with authorities XXXX lack of performance for the services being billed and the deceptive sales and billing practices. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed 3 bankrupcy filings on my credit report. they told me to contact XXXX XXXX to dispute the report. i did and XXXX XXXX told me they would correct the matter and remove the information on my file. i notified experian and they keep saying that the information has been verified. I sent them the letter from XXXX XXXX stating they would remove the information and they ignored me. i asked them of proof verifying what they claimed and they just said that XXXX XXXX verified the information. i contacted the bankrupcy courts clerk and they informed me that they did not verify the information reported. 

this has caused adverse reaction. i was denied credit multiple times and in the instances that i was approved for credit it was at an exesively high interest rate. 

please correct this matter
Product: Credit card or prepaid card

I had roughly 35 fraudulent transactions on my debit card in a very short amount of time. These transactions happened on XX/XX/18. I called the same day as these transactions occurred to report them as fraudulent. Chase bank said they performed a thorough review of my account and denied the claim because the person who stole the card had my pin number. I also had my phone stolen the same day. Chase bank somehow let the thief log into my account and change the maximum amount allowed per day from {$500.00}. 
The amount of the transactions totaled roughly {$11000.00} almost all of it in cash. I have been a Chase customer for 20+ years and never once asked for a raise in my cash per limit. My Chase account has a different password than my pin number.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX
Product: Mortgage

Wells Fargo Bank ROBBED {$74.00}, XXXX from us from payment of {$99000.00} that was paid in XX/XX/XXXX. 
Principal balance at that time was {$110.00}, XXXX Of the payment of {$99000.00} {$25000.00} was applied rest has been stolen and robbed. 
{$110000.00} less {$99000.00} equals to {$12000.00}. 
After receiving payment and applying {$99000.00} unpaid principal balance fell to {$86000.00} Wells Fargo Bank applied only {$25000.00} and not {$99000.00} {$110000.00} less {$25000.00} equals to {$86000.00} On XX/XX/XXXX loan was transferred to XXXX  with unpaid principal balance of {$85000.00} with negative escrow account of {$13000.00} but Wells Fargo Bank has no records. I was confirmed around XX/XX/XXXX by Wells Fargo Bank they have have records for negative escrow account after filed complaint to CFPB. 
At the time {$99000.00} was paid account should have been full current account but it had negative escrow account of {$13000.00} and has no records for this. 
County added public and nuisance to escrow account and this is not property tax bill and no has records of what public nuisance is in property tax bill.

PUBLIC NUISANCE IS NOT PROPERTY TAX WILL NEVER BE PROPERTY TAX PERIOD.

STATE OF CALIFORNIA AND FEDERAL GOVERNMENT IGNORED UNTIL SUCH TIME LAWS ARE CHANGE BY CONGRESS PUBLIC NUISANCE IS NOT PROPERTY TAX BILL. 
Total amount I have lost in payment and mismanagement is XXXX. Wells Fargo Bank should pay restitution of {$96000.00} plus interest for stealing and robbing {$96000.00}. I have been asking records since XXXX how payments were applied, and this has been refused. 
I am also asking CFPB to for full investigation with US attorney, attorney General XXXX XXXX, FTC, FBI, DOJ and other law enforcement for full criminal investigation. Put those who stole the money in the jail.
Product: Debt collection

I have disputed with company on XX/XX/XXXX. The company received my dispute on XX/XX/XXXX. Instead of sending validation of the debt they file a complaint on XX/XX/XXXX and then voluntarily dismissed on XX/XX/XXXX but did not remove debt from my credit reporting agencies and or verifying debt. They have sent me another request to pay with out verification of the debt. The FCRA gives a company 30 days to respond and I still have not gotten a response.
Product: Checking or savings account

On Saturday XX/XX/year> I deposited a check at my Bank of America account for the amount of {$140000.00}. The deposited check was issued by XXXXXXXX XXXX. The Bank of America teller told me the funds would be available in my account on Tuesday XX/XX/year>. I checked and the bank show they are holding the funds and would be available until Friday XX/XX/year>. I called them to ask why and they said they received the funds from XXXX XXXX but are still verifying some information before releasing them. This is unacceptable to me since we live in a digital world where the information is processed in seconds. In other countries checks are cleared in 24-48 hours maximum. By holding the funds, Bank of America is making me lose money that I could be earning by investing the funds instead of them using them.
Product: Vehicle loan or lease

On XX/XX/XXXX I had call the company to make my last payment on my motorcycle, but the application in which I have to pay through informed me I cant pay because its disabled and to call a service number. When I talked to the service member I was asked if I would like to keep my vehicle or return it. I had said I would like to keep it, so the individual who I was speaking to emailed me a form with the amount owed and a deadline of XX/XX/XXXX to retain the vehicle. I promptly filled it out and returned it to him, he then informs me that his system is currently down and he will run the information after it comes back on. I havent heard from him since and my account is not saying 10 days delinquent and counting. Every time I call it says there is no one to answer my call and this has been going on for almost XXXX weeks
Product: Checking or savings account

On XX/XX/2019, I requested a check from PayPal in the amount of {$23000.00}. If the check isn't cashed within six months, the funds should have been returned to my account automatically according to PayPal 's policy. 

I contacted PayPal on XX/XX/XXXX to ask them to reissue the check. They said they were not able to do that. I would like to know why. 

They told me that my only option was to to have the funds placed back in my account and that I would have to transfer them to my bank. They said they would put the funds back in my account within 24-48 hours. 

Five business days have passed and the funds have not been returned. I have tried repeatedly to contact PayPal. They do not accept phone calls and their chat message system does not respond. I have also tried contacting them on XXXX, where they sent me a link to their inadequate help page. 

My money still has not be returned to my account and no one at PayPal has responded.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. Under USC 1681g, I am asking for their deletion within 15 days. Please find the necessary documents enclosed for reference.
Product: Vehicle loan or lease

I want to sue toyota financial services because in XXXX they made me a credit extension in my name in which after the credit transaction they made me sign a promissory note ( contract ) in which I delivered my property to them in a deceptive way. The contract that contained an arbitration clause that was never shown to me nor was I required to read, now in XX/XX/XXXX I got a copy of this presumptive contract that clearly shows the amount of credit that was taken in my name to pay the XXXX XXXX XXXX ( XXXX ) which was the product for which I signed a credit application and after they extend my credit and pay the car to the dealer number XXXX they made me sign a contract in which they discredited me as a debtor. This contract has many presumptive and deceptive clauses which I would never sign if that transaction were made today. I also have evidence of a guarantee that they sold me with the excuse that if I took that guarantee they would lower the interest of the car, an offer to which I agreed since it was an unfair deal to sell me their mandatory product, a product which I canceled after a week and the money was added to the capital balance on XX/XX/XXXX for the amount of XXXX this amount was also used from my credit with my consent but in a fraudulent and deceptive way, for that reason it was refunded to the account capital. I demand that I be given the amount of credit that they took in my name to pay the dealer and then they sold me a contract in which I delivered my property to them in a deceptive way. And if they refuse to pay me I will take them to court and they will have to show where they got the money from and show that credit transaction and I have proof that the guarantee that I canceled was put in the capital of the contract, that proof is enough to show that my credit was extended and you see I pay the car in full but not with their funds. 12 CFR 1026.36 - 15 USC 1692B- 15 USC 1602. I am the consumer, a natural person, none of the codes define me as a debtor and they defamed me in their contract saying that I am a debtor because they deceived me with their presumptive contract. 15 USC 1602h 15 USC 1602 I
Product: Credit card

I am a chase business card holder. I spend about XXXX a month on the card. Some months its paid off and then some, other months I dont quite pay it all off ( about 90 % ) however they charge interest on the entire XXXX when the only outstanding balance is about XXXX. They are charging me interest on XXXX when I only have a XXXX remaining balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Account : XXXX Disclaimer : I am a real person not a credit repair agency. My previous dispute was not corrected and by FCRA Law you are required to address my concerns. This is " NOT '' a goodwill request. 

I, XXXX XXXX XXXX, previously tried to have one of your Sr. Representatives, XXXX look into my claims and was accused of requesting a goodwill request. 

The 90-day late payment being reported on my credit file is inaccurate. Your agency is reporting this late payment 12 times on all 3 credit report agencies as closed. Also, a new Loan for {$85000.00}. Which is showing as 13 student loans. 

I requested a copy of my student loan statements. In the statements it is showing that I requested a forbearance ahead of time in XX/XX/2019 and the request was approved. 
I am fully aware that I owe student loan and signed a promissory note. My grievance is that you are reporting inaccurate information on my credit report. 

Attached is the loan statement history, how my credit file is being reported, and proof of my identity. 

I just want this error to be corrected. I am sending this request via the CFPB and the attorney general office. Because trying to contact customer service is not ideal, where you dont get any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports and found inquiries I did not authorize. I never applied for a house or an automobile in XX/XX/XXXX. I purchased my only car with cash in XX/XX/2019. I have not applied for any type of credit so there should be XXXX inquires on my credit reports. It seems as someone is trying to use my identity to purchase items. 

These inquires were not authorized nor did I ever fill out any applications to obtain credit to any of these companies XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX, has violated my rights. 

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: Debt collection

Midland Funding LLC, XXXX XXXX XXXX and XXXX / XXXX, XXXX, XXXX XXXX 

I defaulted on a credit card and they were sending me notices of collection to an address that I have not lived at since XXXX, therefore I was not receiving the notices. XXXX XXXX, XXXX I was served by a XXXX XXXX with a Small Claims Court notice which also had an incorrect address that was hand crossed out and my correct address hand written in. I called and made a settlement agreement and payment arrangements with XXXX XXXX of XXXX and paid {$420.00} towards my {$900.00} agreement. I also made sure that he had my correct address to send all future information. On XXXX/XXXX/XXXX I reached out to XXXX XXXX, Chief Compliance Attorney for XXXX to change my dates of payment. I have an email from him stating that if I pay the remaining amount by XXXX/XXXX/XXXX that no further legal action will be taken. On XXXX/XXXX/XXXX I received a forwarded letter with a State of CT Small Claims notice and court date. The amount listed for claim is inaccurate and my previous payments were not taken into account. Once again it was sent to an address I have not lived at since XXXX. I attempted to contact Attorney XXXX to discuss the court filing. He has not returned my email.
Product: Credit card or prepaid card

Brought a NetSpend prepaid card today ( XX/XX/20 ). I couldn't get my card fully activated because I had other cards that were on file as open ( although I had only one card active -which I'm still waiting on in the mail- and the rest were closed out ). The issue is with the process to get the account fully activated. Now I've sent all the required documents but I've been rejected for no plausible reason. I refuse to send a ID with my picture showing because the responses I've gotten back leads me to believe that NetSpend is during fraudulent activities. First I had to send documents to a company named 'Skylight ' and when I got a response, the name at the end of the letter was named 'XXXX  '. The second attempt I sent it to bet XXXX ; when I got a response it was from someone named 'XXXX '. Not only was I rejected but the reasoning was invalid. I sent my ID, SSN, and Utility bill. 'XXXX  ' said that my SSN was partial, but I can disprove that by sending the email with the attachments. Also you can expand and zoom attachments. So it's apparent that XXXX is deliberately trying to make this process hard and since I've send my personal info multiple to same company. I feel this is being done to store my full identity into their archives. My face shouldnt have to be shown in this circumstance because Ive a client for over 3 years and Ive sent my info in the past 2 years ( which I can verify through email ). Further more why would I trust to send my info to people that DONT EVEN USE THEIR REAL NAME. they don't even put a last name at the end. Who works for a financial institution, send financial/business emails to clients, and goes just by their first name or nickname ( Does XXXX or XXXX seem like a name you would trust your personal info too? ) No last name to help a client pinpoint or trace that person if a situation goes bad and it's their fault. That's how people " crack cards ''. They work for a prepaid company, steal your info and drain your account. I'm XXXX to be fired because she declined my access even though she has viewed all of my personal info. Also because of the delibernise I'm asking for a 200 % matching bonus of my deposit.
Product: Debt collection

I recently checked my credit report and I found a derogatory debt that I owed. I don't recognize the company who reported it to the credit agency. It stated that I owe {$1900.00}. The debt I owe was reported XX/XX/2021. It is a collection account from M & M CREDIT. The original lender states XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

Card was used in XX/XX/2017 fraudulently and I reported it immediately and they are saying now that I should have gotten a police report. It CLEARLY WWASNT ME and I want it taken off of my credit report
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain accounts and inquiries on my credit report due to identity theft and a recent data breach, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent someone {$220.00}, or so I thought. Venmo put a 21 day hold on the money, no warning, no reason. Venmo now says they can not do anything about the hold, I can not get money released, person I sent it to can't get the money out of jail. Venmo gives different information when you call. Venmo is using customer money for 21 days but not paying interest when they release it. I have had conversations with XXXX different people at Venmo, including a supervisor, and it seems the only phrase they know is " I'm sorry '', not even once a " We will get this fixed ''. 
I sent the money to buy a hard to find part. By the time I get this solved the part will probably no longer be available.
Product: Credit reporting or other personal consumer reports

I send supporting documents because am a victim of XXXX XXXX and send all documents to verified my disputed .i was told by Experian that my documents was not authentic and all negative accounts will remain on my credit profile .i send even laws to back up my dispute and was still denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here..

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this statement because I am a victim of identity theft and recently noticed some fraudulent accounts on my credit profile. I ask that the items please be removed to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the fraudulent items as soon as possible.
Product: Mortgage

We are buying a new house and the mortgage company is requiring the following documentation to proceed - Condition Description Provide documentation from XXXX XXXX XXXX showing full principal balance from home equity loan # XXXX was transferred into new installment loan account # XXXX. 
Date Assigned XX/XX/XXXX Condition Status : Required I have spoken with XXXX XXXX XXXX  and Specialized Loan Servicing 4 times each. The documentation needed is from XXXX XXXX. XXXX XXXX XXXX tells me since loan servicing was transferred to Specialized, I have to request from them. However, when I speak with Specialized they tell me they can not provide since this is before they took over the loan ( XX/XX/XXXX ) and they refer me back to XXXX XXXX XXXX. Ive spoken with XXXX XXXX XXXX Back Office Team and they tell me that they don't have access to those records because of the transfer to Specialized and that Specialized has to help me. I requested loan history documents twice ( XX/XX/XXXX and XX/XX/XXXX ) from Specialized but still haven't received them.