23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an account with XXXX many years ago. We moved to a state where XXXX did provide service. This was over 8 years ago. XXXX did not have coverage for this area and we asked to be released from the agreement. They did this for us with no questions asked. 

Then, MCM began to call/send letters demanding money for an account we had with XXXX. I asked MCM for a detailed explanation as to what the charges are for and they provide me nothing. 

I just got off the phone with XXXX today ( representatives name was XXXX ). XXXX tells me that she can not provide details of what those charges are as they sold my full account to MCM and are not able to see the details any longer. 

I then hung up and called MCM, again. I explained the situation and the representative ( XXXX XXXX sp? ) explained to me that he could not see the details. I told him that was wrong and I have asked for this information numerous times. He said I could file a dispute and I told him I felt it was wrong that they continue to tell me these things and nothing happens and that I was going to report their company to the CFPB. He immediately said he was going to put me through to another extension and said the XXXX digit number and I immediately heard hold music. After being on the call for XXXX minutes ( mostly hold time when he transferred me to some other group ) I disconnected the call. This happened at about XXXX EST XX/XX/2015. 

All I am asking for from MCM is a detailed listing of the charges they claim I owe to XXXX. What I do n't understand is how they can do this and pass audits or financial reviews from XXXX party auditing companies without being able to provide that type of documentation or at least produce those in the files. They should be required to keep detailed account history of what they are collecting on and should arm their agents with the details so that they can speak intelligently to the consumer. I feel this is unfair and deceptive. 

We receive countless telephone calls from MCM as well as letters. The most recent letter actually reads " ... do n't miss this opportunity to say $ XXXX off your current balance of $ XXXX. We would forward to assisting you. '' They do n't assist you when you ask them for details on what they are collecting ; they only want your money. 

Please understand that I do n't have any issue in paying any amount that I may owe. As noted, when I ask for those details they ca n't or wo n't provide it to me. It just does n't seem legal that they can do this to someone. It would have been taken care of immediately if they had provided me the details when I asked but I refuse to pay something blindly.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( XXXX ) 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 unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulations e. These actions have caused significant inconvenience and financial loss and I seek appropriate redress
Product: Checking or savings account

Bank of America has frozen the funds in my business account for over 2 weeks. They did so by placing a pending debit of - {$880000.00} on XX/XX/XXXX of this year. 

The amount held is over {$16000.00} I have called the customer support number only to be transferred into oblivion. 

An in person visit has yielded the banking rep calling in to corporate, who tells them there is nothing that can be done and no time limit nor estimation has been given each of the six times I visited in person in that branch. 

They have given me no explanation other than there is an " ongoing investigation '' and I have gotten a lawyer to formally write them a letter asking them to explain themselves. 

Your help would be appreciated.
Product: Credit card

This is to dispute a charge with old navy in the amount of {$80.00} on XX/XX/year>. 

I confirm that I never received my package. According to company, my purchase was left outside building. I do not understand why my merchandise was left outside building if my area is not safe. 

All my other packages are left inside my building by mailbox. See attached for recent orders. 

I am requesting for the payment to be removed from my account. It is unfair that I need to make a payment for not receiving my package.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Bank Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX  XXXX Account number : XXXX 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 an account without my written consent. 

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 then Records of convictions of crimes which antedates the report by more then 7 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 the information is in accurate. 
This isnt not the first time, the three credit bureaus Experian, XXXX and XXXX have violated my rights. 
XXXX never responded to my certified INVESTIGATION letter I sent over 45 days ago. 
This is the second investigation I have had in 3 months, one online, one via certified mail. Neither solved my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below is inaccurate on my Equifax consumer report ; it has no account name and only reports to one bureau. I believe you can't report an item if it lacks details, especially the account name. 

This item is violating my consumer rights under the Fair Credit Reporting Act. 

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

I have been sending disputes to Equifax in the mail for over 6 months. In these 6 months I have not received one response back regarding my disputes. I also sent requests for debt validation ( per FDCPA ) to XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX and they did not respond with the documents that they were supposed to provide. XXXX and XXXX removed the incorrect information from my credit reports but, Equifax refuses to even complete a dispute and sent me one letter back!
Product: Student loan

I am a co signer of a loan, for father of student borrower. The private loan company XXXX gives me little information to ensure loan is paid. A payment was posted but when the funds were checked and not available they only email the borrower or notify them of the non payment. I go on my merry way assuming the payment has been made on time until I get a collection call. I asked to get on the email list but they said no. I also get no access to borrower address to ensure it is correct. The system is rigged to only allow borrow know of bad info when that person is not responsible enough to take out a loan by themselves so why would the co borrower not have access to that info?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I'd like to begin by stating that with every dispute and or complaint given I am keeping all documentation including the company 's rebuttal 's in means to having all evidence for a law suit if needed. 

On XX/XX/XXXX I received a response from Vice President XXXX XXXX from XXXX XXXX XXXX in regards to my last complaint submitted. In the letter Mr XXXX states that " XXXX XXXX   worked with XXXX to prepare the response as part of XXXX ' standard oversight of XXXX XXXX. '' Please note that I have already previously spoken to a XXXX representative in regards to the account # XXXX. In that conversation the representative stated that " XXXX had nothing to do with Credit reporting as to them being solely the Bank/Backing for XXXX XXXX XXXX and that all disputes and information would have to go through XXXX XXXX directly. '' Mr XXXX then goes on to state that " XXXX XXXX has only ever reported this single account to Experian and the other credit bureaus. The attachment to the complaint is not provided by their company and they therefore can not address my claim that seven ( which is now showing 8 ) chargeoffs have been  reported on my account. '' I find this rebuttal from Mr. XXXX very funny, tacky and absurd on top of being a blatant lie, because it's clear as day that their company is the one reporting the incorrect information because THEIR company ( XXXX XXXX/XXXX  XXXX ) is the one listed on my credit file that you'll find attached clear as day! Mr. XXXX then goes on to state that " their credit reporting has been accurate and in the absence of a reason why their credit reporting of the unpaid balance would have been inaccurate, they are therefore unable to submit a request to the credit bureaus to remove the account from my history. '' In rebuttal I have attached my credit Experian Credit file to this letter to show and PROVE that XXXX   XXXX/XXXX XXXX  has been consistently reporting incorrect and fraudulent information to my credit File. Also again please note that as requested I asked for verification of the account belonging to me with something with an actual wet signature and nothing has been provided. Secondly please be aware that in the State of Nevada the Statute of Limitation is 4 years in which this account has been past since XX/XX/XXXX of XXXX. Thirdly again under the FCRA LAW and as a consumer being able to exercise my rights please be clear that this company is not following the FCRA guidelines or rules in which ALL information reported by a creditor needs to be up to date, correct and true in which this Creditor has not been and is unwilling to follow the law. XXXX XXXX has been reporting out of date, fraudulent and incorrect information to my credit file since XXXX and this item needs to be removed from my credit file within 15 days under the FCRA Law. Please see attached the letter from Mr. XXXX as well as my actual Experian Credit file showing the 8 chargeoffs and late 's and other incorrect information reported by XXXX  XXXX/XXXX XXXX  after the account being closed on XX/XX/XXXX.
Product: Checking or savings account

I requested {$500.00} from a, United bank ATM, but I was shorted {$120.00} dollars. This was on, XXXX the XXXX of this year. I filed a complaint with the bank, and I was rewarded my funds back, but then the cash was taken again.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBATAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Product: Student loan

I received an alert from XXXX XXXX onXXXX-18 stating my score dropped 24 points due to one of my college loans from Navient. On XXXX, it showed a balance of $ 15,000+ but on XX/XX/XXXX, it showed a balance of more than {$17000.00}. I contact Navient by phone and the rep refused to talk to me and told me that XXXX XXXX reports are not accurate. I was told she could not talk to me about my account and that it was my responsibility to contact XXXX  the reporting company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This new information pertaining to the dispute number ( XXXX ) The information reporting on my credit report is inaccurate the account should show paid in full and XXXX balance. 

This account is showing past due and charged off this is inaccurate information. 

THE IRS says that a charge off is canceled debt! The form 1099c is for CANCELLED DEBT, till this day I have not received any such documentation from this company about the debt that was canceled. The company is also supposed to receive a TAX WRITE OFF and also have a INSURANCE built into THE FINANCE CHARGE to cover losses.

15 U.S. Code 1605 - Determination of finance charge 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report. 
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

Through TILA it states that the lender has the FINANCE CHARGE that protects the lender in the Fact that the obligation DEFAULTS. Which means that they have collected on the INSURANCE MONEY already.

Now they put it on my CONSUMER REPORT that this is a charge off. Well according to the IRS any amount over 600 dollars, where a creditor cancels a debt or file a form 1099c. They must send the OBLIGOR/CONSUMER a form 1099c. I did not receive my 1099c for this cancelled DEBT! A cancelled debt means exactly what it says a CANCELLED DEBT! So how did you COERCE me into paying the balance? You have deceived me, you have frauded me, you have robbed me.

On top of that you collected the insurance money, the IRS goes further into a CHARGEOFF or cancelled debt as GROSS or INCOME! You are reporting a CHARGEOFF on my consumer report! Income does not get reported on my CONSUMER REPORT! You are inaccurately reporting this account! Further more you have committed TAX FRAUD! 
On top of that you still expect me to pay you. 


I need this account closed as paid. As soon as possible
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Equifax and XXXX wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Account : XXXX XXXX XXXX XXXX  Account Number : XXXX Disputed Account : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

Effective XX/XX/XXXX our home mortgage was transferred to Mr. Cooper. 
In a letter from Mr. Cooper, dated XX/XX/XXXX, we were told ( 1st paragraph ) dont worry, the terms of your loan stay exactly the same. The letter lists mortgage terms as follows : a ) Current Interest Rate@ 4.25 % b ) Current monthly payment @ {$2200.00} c ) Payment due date @ XXXX of each month A following letter, dated XX/XX/XXXX confirmed a servicing transfer and again in the first paragraph stated, Nothing else about your mortgage loan will change. 
In XXXX of XXXX, we were granted a Tax Deferral Affidavit by the state of Texas XXXX county of XXXX for over 65 or XXXX homeowners. We are now XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX. 

The first letter we received regarding our taxes from Mr. Cooper was XX/XX/XXXX. It totally disregarded our tax deferral and demanded payment of {$18000.00}. We sent a copy of our tax deferral affidavit. 

Another letter followed on XX/XX/XXXX demanding proof of payment for taxes for XXXX through XXXX in amount of {$6900.00}. The next letter from Mr. Cooper demanded payment of {$18000.00} for years XXXX through XXXX. 

In XXXX of XXXX we continued to receive letters, last one showing a total of {$35000.00} owed Mr. Cooper with a demand letter to pay the entire amount or monthly payments of {$5600.00}. 

We can not afford to make this high payment! 

In conclusion, we are retired, on limited income. Both of us are physically unable to hold a job. Again, we are XXXX and XXXX XXXX XXXX. We are suffering mentally and physically from the pressure being put upon us from Mr. Cooper. The state of Texas granted us a Tax Deferral. Does Mr. Cooper not have respect for the laws of the state of Texas? It is obvious that this company ( Mr. Cooper ) has no respect for XXXX and XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Hello, I was scammed by a car dealer. I made a transfer for the purchase of a XXXX XXXX car from the USA on XX/XX/2023. from XXXX, the office of XXXX in XXXX. After sending {$3000.00} to XXXX XXXX XXXX XXXX XXXX they sent me an invoice that is missing the VIN number and engine number, shipping document and tracking number. Kindly track your shipment : XXXX XXXX XXXXXXXX Tracking number : XXXX They asked me to transfer another {$1700.00} to them for insurance and other expenses. In XXXX  they are under the name XXXX XXXX, and I was chatting with XXXX XXXX. 
I sent a request for the return of the transfer from my bank XXXX XXXX XXXX but so far there is no response from JP Morgan Chase Bank . 
I would appreciate it if you look into this case and find out who is behind this scam.
Product: Checking or savings account

I read an article stating that Wells Fargo could owe past customers money due to wrongfully charging for overdraft fees and such so I am looking to see if I fall into that category or not
Product: Debt collection

I received a call from Jefferson Capital Systems on the XXXX of XXXX, 2021. After returning the call and confirming my information ( name and last 4 of social ), they informed me that I have a debt from XXXX  that is around {$1400.00}. I was confused by this and while on the phone I checked my XXXX  accounts and saw everything was in good standing and had no credit card with XXXX. After confirming on my end, I asked to validate the debt. The representative then ask if an address was mine and after they told me, I immediately knew this was in regards to a business account that belong to a corporation that I was no longer apart of. I informed the representative that this was a business account with XXXX but the representative kept telling me that they only see my name and social but no business information. I was even told the email address on file which belongs to the business Im not apart of. I then spoke to a supervisor who told me the same thing before being disconnected ( not sure if the line disconnected or if I was hung up on ). I called back and ask to speak to a supervisor who I explained that this belonged to a business account that is not under my name. I requested that they obtained the information from XXXX but I was told they cant ( or probably refused too, I do not know if they are allowed to contact the company they bought the debt from after the purchase was made ). I asked to do a debt validation but they asked for my address, which I initially refused and was told it would be open but I would need to call back to update the address on file. I called XXXX the moment I hung up and was told I would need to call JCS and speak to them about the debt and they couldnt be of any assistance. I spoke to an attorney who informed me to update the address on file so they could send what they have if they validated the debt before raising further dispute. On the XXXX, I called and spoke to a representative where I updated the address and was told by the representative that they will cease collection and will not report the account. 

Today, XXXX of XXXX, I receive a call from them and after returning the call the representative stated the same thing that I owe the amount as stated above and noted that I did raise a dispute to this. I again disputed it as this account is not a personal account but a business account. On top of that, I have not received any information regarding this debt to the address I provided from the call on the XXXX and that as the debt is under dispute ( or debt validation ) they are not to continue to collect the debt until the debt is verified, which it is clear they have not verified.
Product: Credit card

Equifax is reporting a Fraudulent Account on my credit report, XXXX XXXX XXXX XXXX This is a fraudulent account. The address used to open this account is fraudulent address, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX and is blocked because of Fraud by Equifax. So, the account shouldn't be reporting at all. I also have sent several FTC IDENTITY THEFT AFFIDAVITS to have the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX as well as a letter from XXXX XXXX XXXX supporting the fact the account IS a Fraudulent Account and should be removed from my Equifax Credit History. Additionally, there is a fraudulent inquiry made by XXXX on XX/XX/2023, that has been disputed as Fraud several times with an FTC ID THEFT AFFIDAVIT, yet it has still not been removed despite other fraudulent inquiries being removed that appeared on the FTC AFFIDAVIT. I want these items removed IMMEDIATELY!!
Product: Checking or savings account

I tried to make a food purchase on Friday the XXXX of XXXX, but apparently the wrong pin was put in multiple times and the account was permanently suspended. I currently have {$310.00} remaining in the account but am unable to retrieve my funds. I contacted the bank and was told to contact the customer care department at Bluebird Customer Care XXXX. XXXX XXXX XXXX, GA XXXX to which I did so with no results. I sent off the letter with all my personal information : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, VA XXXX XXXX I also have tried calling them repeatedly with no results.since last week. This is my money and I need to get it back. I don't have any other money coming in until the end of the month. I'm at the end of my rope, and I don't what else to do.
Product: Debt collection

On XX/XX/year>, I mailed two letters to TRANSWORLD SYSTEM regarding two debts they are attempting to collect. I included the account numbers for each debt as reflected on my credit report. Over 30 days later ( sometime in late XX/XX/year> ) they mailed me one letter stating that both debts belonged to me. In the letter, they presented a copy of a medical bill as " proof ''. However, according to the Fair Credit Reporting Act, the document presented is not sufficient proof to verify the validity of the debts nor that the debts belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reviewed my XXXX consumer credit report and discovered CHASE CARD had requested my consumer report on XX/XX/XXXX with out my knowledge or consent.
Product: Credit card or prepaid card

I have made several attempts to close my account with citi/bestbuy credit card, after I have discovered that the card was used without my knowledge. I have reported the unauthorized transaction to their fraud department, but they refuse to remove the charges. I have spoken with several people in the credit card company, and still its not being resolved. I'm still being charged for something that I didn't use, sense last year. I have recently spoke with XXXX from the fraud department, who had refused to give me the direct number to the fraud department, and XXXX in security. This has been an ongoing situation for weeks with no good results