23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2020 after pulling my credit reports, I noticed a negative account being reported by the company LVNV Funding LLC in the amount of {$1300.00}. I was not aware of who this company was and have never received any information from them pertaining this account nor had I ever received any notification or documentation from this company informing me that I could dispute this debt or that they would place this information on my 3 credit reports. 
I reached out to the company LVNV Funding LLC in XX/XX/2020, requesting a validation of debt since I had no knowledge of who this company was and had never conducted any business with LVNV Funding LLC. ( See attachments ). 
As of today, I have not received the items listed in the letter and the items continue to report on all 3 of my credit reports. 

The Consumer Financial Protection Bureau ( CFPB or " Bureau '' ) issued a second debt collection final rule that : clarifies the validation information and disclosures that a debt collector must provide to a consumer at the outset of debt collection communications and provides a model notice containing such information, prohibits debt collectors from bringing or threatening to bring a legal action against a consumer to collect a time-barred debt, and requires debt collectors to take certain actions before furnishing information about a consumer 's debt to a consumer reporting agency ( CRA ). Debt collector communication disclosure ; ( I never received it ) Debt collector 's name and mailing address ; Consumer 's name and mailing address ; I ( the debt collector is collecting a debt related to a consumer financial product or service, the name of the creditor to which the debt was owed on the itemization date ; Account number or truncated account number, if any, associated with the debt on the itemization date ; Name of the creditor to which the debt is currently owed ; Current amount of the debt ; Amount of the debt on the itemization date ; Itemization-related information ; ( I never received it ) Information about consumer protections ; ( I never received it ) Consumer-response information ; and ( I never received it Consumer dispute prompts. ( I never received it )
Product: Mortgage

We refinanced and signed all mortgage documents on XXXX/XXXX/2016 paying off our our XXXX mortgage with Caliber Home Loans and our second mortgage with XXXX Loans. We had received a verified 30 day payoff statement ( {$380000.00} XXXX from Caliber Home Loans, good through XXXX/XXXX/2016. After the settlement date, the Title Company wired the verified payoff to Caliber on XXXX/XXXX/2016 in the amount that was signed in our paperwork. This was confirmed as paid on XXXX/XXXX/2016. Caliber then rejected the wire in which the title company attempted to wire again and it was refused another time with no explanation, meanwhile accruing interest all these days. When I called Caliber Home Loans on XXXX/XXXX/2016, they stated that the amount was short since they refigured the numbers and in turn changed the verified and signed payoff. After digging into this in more detail, I found that Caliber had faxed an updated payoff statement with a larger amount to the title company on XXXX/XXXX/2016 without notifying anyone and after we had already signed documents. To rectify the situation, we immediately brought additional funds down to the title company, even though this did n't seem right, just so that we could get it paid off to avoid even more days of interest charges, all the while paying interest to our new mortgage company ( that we had refinanced with ). The title company then requested a new payoff good through XXXX/XXXX/2016 and wired out the amount of {$390000.00} on XXXX/XXXX/2016 including more days of interest and fees. The wire was confirmed paid on XXXX/XXXX/2016, but then returned again on XXXX/XXXX/2016 with yet again, no reason. We then called and requested for a final time a new payoff statement in which Caliber yet revised again good through XXXX/XXXX/2016 in the amount of {$390000.00}, including more interest and fees. We are still waiting to see if they will accept this payment. This is absurd! We then wired out the amount of {$390000.00} on XXXX/XXXX/2016. Caliber has not been easy to deal with and I have never heard of them increasing a payoff statement without trying to notify us or the lender or title company. This makes zero since and we should not be responsible for paying on their lack of communication, organization and frankly a complete mistake on their part from calculating the original payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$32000.00} ; XXXX XXXX  XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$6300.00} XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent Experian, a consumer XXXX XXXX, a dispute letter on XX/XX/2023 asking nicely to remove specified items from my report that I do not give them written instruction/consent to report pursuant to 15 USC 1681b ( 2 ). ( attached in the documents below titled " Experian Dispute Letter PDF '' ) REPORT NUMBER : XXXX They have now completed their " investigation '' and they did not comply with my request. Not even close. I have attached the initial letter and proof of delivery below.
Product: Student loan

I have a student loan with Navient and my company started to make extra payment as a benefit with my employment. I am still making my regular payment every month but the extra payment that my company makes gets applied to the next available payment instead to principal only. The payment comes with instruction to apply to principal only but Navient does not do this. I called and they said it is not there policy to do that when a payment comes in. I believe they should apply as directed so that my loan gets paid off faster.     Thanks.
Product: Vehicle loan or lease

on XXXX I was advised that I could apply for a temporary mod ( temp reduction in payments ). That representative was very professional and detailed. She advised me that it would be approximately that following Wed XXXX before it will be reviewed. However, I was advised on XXXX that it has yet to be reviewed and I should call back. I called back I believe on XXXX and was advised that it was approved but was awaiting to be processed. Out of concern to avoid 90 day reporting I called back two days later and was advised that due to the changes, it has been approved however it has not been processed. I called back on XXXX only to be informed that it was denied. I then requested for a supervisor only to be told that their que was busy and someone will call me back. No one called, so I called today XXXX asked for a supervisor and was transferred to Mr.XXXX. He advised me that I was given the wrong information and the process was not fully explained to me. I advised him that was an area of opportunity and I requested that he review the phone calls from starting XXXX until today. He advised me that it will take 72 hours for him to review and get back to me. My account is listed as cease and desist, however I verbally gave Mr. XXXX permission to return my call after reviewing the calls. Because I am also a collector with working experience with some of their employees, I feel my account has not been treated the same as any other consumer.
Product: Credit card

credit card number : XXXX set up automatic payment to " Pay amount due on due date '' for this Bank of America Visa Card ( under XXXX XXXX XXXX ). However, on XXXX, only minimum payment of {$25.00} was deducted. This resulted in I being charged interest on XXXX ( and potentially future date ), and potentially affect my credit score. I contacted BOA but it is a mess there. I was being directed here and there with no resolution. 
The mistake is unexcusable. My family have all kind of credit cards and have never seen a mistake like this. I like BOA to:1. correct his promptly and refund any penalty interest charged. 
2. explain to CFPB why this happen and how many customers have been affected by this mistake, how much fee they have collected out of this mistake. 
3. explain to me whether this affect my credit score and correct promptly if it does.
Product: Credit card or prepaid card

My chase sapphire credit card had charged {$98.00} on XX/XX/2022 i been trying ti dispute i been in contact with them regularly and sent email attachments on XX/XX/2022 i did not hear anything but a run around.
Product: Debt collection

Covington Credit account or Height Finance called my XXXX and XXXX and told them the amount owe was XXXX XXXXXXXX On XXXX Crime trespass on my property. 

Multiple call during exceed XXXX call a day.
Product: Checking or savings account

from (? ) 2019 ( possibly earlier? ) through XXXX there have been several unauthorized transactions on my direct express card. somehow the money was taken through local atm withdrawls that i have never been to and have never gone to. all of the money was stolen from the same few atm 's. this card is how i receive my XXXX payments for ssi, and the money is from the social security administration and the u.s. dept. of the treasury. i can not get my account history from direct express or comerica bank, but i estimate the damages to be at least {$5000.00}. i am unable to dispute or investigate this matter since comerica bank and direct express will not allow me to access the account history and wont stop giving me a runaround. there is no way to speak to a live person on the phone, the automated system is designed to silence and ignore you. any attempt i have made for a resolution has gone absolutely nowhere. i want answers, i want it investigated, i want my stolen money to be reimbursed, and i want direct express and comerica bank to be held accountable for mishandling both my money and the crimes that have been commited against myself, the federal government, and u.s. taxpayers!
Product: Checking or savings account

I had a account with Wells Fargo sometime between XXXX had money deposited into my account, never touched that money for 2 years, one day i decided to close that account and withdraw all my money because I had moved and there was no Wells Fargo bank nearby, when I went to withdraw my money from the Wells Fargo bank and close my account they said I owe them money to close the account, they had charged me all sorts of fee for not using the account and not using their cards, so they charged all fees and over drafted my account and resulted in negative balance, later I had to pay additional {$200.00} some to close out my account.
Product: Credit card or prepaid card

I opened a Kohls department store card in 2017 with a credit limit of XXXX. I was going through some financial hardships and failed to make payments. I checked my credit report to see they tacked on XXXX when my limit was XXXX. I've disputed numerous times and each time they keep updating that I owe them that much. I don't understand how they could double the amount I owe.
Product: Money transfer, virtual currency, or money service

Trying to link my bank account to the XXXX app
Product: Payday loan

We received a {$700.00} loan in XX/XX/XXXX from Big Picture Loans. We were told on a recorded phone call that our total repayment including principal, interest and fees would be less than {$1000.00}. They said this would be the amount repaid if we repaid the loan within 3 months and called 3 days before the due date of the XXXX of the month and made payments of more than minimum due. On XX/XX/XXXX I made arrangements to pay {$500.00} on XX/XX/XXXX. I just called today ( XX/XX/XXXX ) to make the payoff amount on XX/XX/XXXX which should have been less than {$500.00}. We were told the total payoff amt was {$820.00}. I spoke with XXXX in the disputes Dept and she made arrangements for us to pay {$500.00} on XXXX and a contested amount of {$320.00} on XX/XX/XXXX. This will make our payments all within the stated 90 days, however, Big Picture Loans is charging us over {$320.00} to pay off the loan from what we were quoted when we obtained the Ioan. We are paying the {$320.00} because this company is obviously a scam and we do not want to do further business with them. However, we would like to file a dispute/complaint to have the over {$320.00} returned to us and have the account paid.
Product: Mortgage

Greetings All, I have/had a mortgage with HSBC - it withdraws the mortgage from my bank account every month and has since 2004. Today I received a collection notice from XXXX - which states that I owe approximately 2 months of mortgage payments. I looked at my bank statement and the last two months have not been taken out of my account by HSBC ( since XX/XX/XXXX ). The extra money is just sitting there. 
I never received a notice about a transfer of ownership from either bank. I do not live at the residence, but had been receiving the statements and had received a letter stating they noticed my new address when I moved at the beginning of XXXX. They also used to email me monthly. 

I thought that both parties needed to contact me ( or at least one ) - and XXXX obviously has my address since they sent a collection notice. As they are closed now, I will reach out when they open at XXXX EST, but I am definitely not happy if they switch this without telling me and am worried my credit would be affected. 

thanks,
Product: Credit reporting or other personal consumer reports

Yesterday I found out through my credit report there had been XXXX XXXX account with Upgrade on my report not opened by me and using my social. I contacted Upgrade today because the are reporting the account and sending updated but stated they will not remove it. I must call the collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by XXXX, XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXXXXXX XXXX XXXX XXXX XXXX XXXX clearly suggest conflicting information of 1. Last activity, 2. Balance, 3. Date opened and 4. Last payment date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name XXXX XXXX Equifax Last activity XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Credit reports of the XXXX bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Debt collection

I changed my service from XXXX to another carrier on XXXX/XXXX/XXXX. XXXX XXXX XXXX was the provider for internet through XXXX. I cancelled my services and they sent me a box to ship their equipment back to XXXX which is what I did. Later, since I had overpaid, they sent me a check to refund my account in the amount of {$34.00}. On XXXX/XXXX/XXXX I received a bill stating that I owed {$160.00} from Diversified Consultants, Inc. ( a collection company ). I called them and they stated that I still owed to XXXX XXXX XXXX. I disputed that claim and they said I have to call XXXX XXXX XXXX to have it removed. I called XXXX XXXX XXXX and they said I did not send back a modem so I was being charged. I disputed this with them saying I sent everything back to XXXX, gave them a tracking number and did not owe this amount. I spoke with several people at XXXX XXXX XXXX and finally, at a later date, I received a call from a representative named " XXXX '' on XXXX/XXXX/XXXX and she stated that I would receive a revised bill with a XXXX balance in about XXXX business days and they will contact the collections agency to state I have a XXXX balance. I assumed everything was taken care of until I applied for a loan for a car and discovered the collection account charged against me. I called the collection agency again and they stated I need to call XXXX XXXX XXXX which I did on XXXX/XXXX/XXXX. I spoke with XXXX and she said my account had been closed so there were no notes. I told her they needed to call the collection agency and have it removed but she said since the account was closed there was nothing they could do. I then asked to speak with a supervisor and was sent to a voice mail for " XXXX ''. I never was contacted and despite my following attempts to reach him, I never received a call back. I am tired of dealing with this poor customer service and am requesting an intervention from your company.
Product: Money transfer, virtual currency, or money service

On XXXX the XXXX I sent money transfer # XXXX. On XXXX the XXXX when the receiver tried to collect the money she was told an error had occurred and that the money was returned to the sender. MoneyGram online system meanwhile shows the money transfer as completed and paid to the receiver. I opened up case # XXXX and also called MoneyGram to discuss the issue. MoneyGram insists the money has been paid. I know the receiver well and have sent her numerous transfers in the last three years without issues. The same problem happened with another transfer # XXXX sent in XXXX. For that transfer MoneyGram eventually paid and refunded the money. I know the outcome is wrong but the agent insisted the money had not been paid though it was paid. I have an email from MoneyGram showing the transfer was paid on XX/XX/XXXX. There is something wrong with MoneyGram systems but they refuse to listen or investigate these occurrences in their systems. It appears their online system and main system get out of sync in regards to the status of a transfer. The MoneyGram case # for XXXX is # XXXX. For XXXX it is case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made two requests that CFPB investigate the reason that TransUnion will not send a copy of the information that they collected about me to me. In the past they have sent 3 or more copies of their Credit report to the address that they have but refuse to send a current report to the same address. Although they send requests to the address that they have requesting that they be provided personal and private information and a verification of the address that they are using. TransUnion collects information about me that I have not given permission for them to do. I have no legal obligation to provide them with any information, whatsoever. I am only asking them to comply with the statutes and provide me with the information that they have to the address that they are currently using. Thank you.
Product: Credit card or prepaid card

XX/XX/2022 {$140.00} was withdrawn at a XXXX  gas station merchant name XXXX  XXXX  I was not immediately aware of the transaction as the cash app notifications and other technical issues did not notify me of a transaction as they were required to since I have my account set up that way. I contacted cash app support and let them know of the transaction in order to have it disputed and investigated contact the merchant as well the merchant told me that I need to contact my financial institution I did so they after about 7 Days responded and said that there was no error found can I request it to see the evidence they use to come with the conclusion and there was none besides for the date amount and where the transaction happened at there's video footage of in the individual who used my card and took the money off my card so they told me that they are not going to do any further action and there would be no nothing that getting my money back they refused to investigate refused to provide any additional information other than what they used to come up with their decision which I received a screenshot of which is only showing the transaction that I can see that I reported to them and told me that there would be no further review my claim wouldn't get any further action investigation and that they wouldn't provide any additional assistance to it dispute # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Failure to Respond within Requested Timeframe Dear TransUnion, I hope this letter finds you well. I am writing to express my disappointment and concern regarding your failure to respond to my previous letter, dated XXXXwithin the requested timeframe of 30 days. As a result, I am left with no choice but to proceed with legal action against TransUnion LLC. 

Despite providing ample time and opportunity for TransUnion to address the inaccuracies on my credit report and offer fair compensation for the damages incurred, I have received no response or acknowledgment of my concerns. This lack of communication and failure to rectify the situation has only exacerbated my frustration and the harm caused by TransUnion 's actions. 

I want to reiterate the seriousness of the situation and the potential legal consequences that TransUnion may face because of its non-compliance with the Fair Credit Reporting Act ( FCRA ). By neglecting to respond within the requested timeframe, TransUnion has demonstrated a disregard for its legal obligations and a failure to provide the necessary resolution to this matter. 

I am left with no other alternative but to engage legal counsel and pursue legal action against TransUnion to seek the remedies I am entitled to under the FCRA. This includes compensation for damages, legal fees, and any other relief that the court deems appropriate. 

TransUnion 's lack of response has only further damaged my financial reputation and caused emotional distress. I implore TransUnion to take immediate action to address this issue and prevent the need for further legal escalation. 

I expect a written response from TransUnion within 10 business days from the date of this letter. This response should provide an explanation for the failure to respond within the initial requested timeframe, a clear plan to rectify the inaccuracies on my credit report, and a fair and reasonable offer for compensation for the damages incurred. 

Please be aware that any further delay or lack of response from TransUnion will only strengthen my resolve to pursue legal action and seek the full extent of the remedies available to me under the law. 

Thank you for your immediate attention to this matter. I hope that TransUnion will take this final opportunity to rectify the situation promptly and avoid the need for further legal action. 

Sincerely, XXXX XXXX
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 Eletronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.