23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THE COMPANY, CREDIT CONTROL LLC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Product: Debt collection

I have mailed XXXXXXXX XXXX XXXXXXXX and they still are furnishing this collection on my Experian and XXXX XXXX reports. I never received any notification that this was being added to my credit report in which at that point I would have disputed the validity of the account and it would have never made it on my report. Addittionally I have disputed with them and they still have left it reporting on Experian and XXXX for months. Also on XXXX they only have the account number listed and no contact information for who the Debt Furnisher is so I have to figure out it was them who reported to XXXX by noticing the same account number.
Product: Debt collection

I applied for a payday loan to help my XXXX sons who just stated college XX/XX/XXXX, I was XXXX that afternoon when I went to work, XXXX XXXX XXXX was told verbally of my situtation, XX/XX/XXXX I return a call from Alliance Capitol Mgmt XXXX XXXX, I explain to her that I 'm still unemployed, she started asking can someone help me I let her know my family is helping me from becoming homeless, she ask what about unemployment, I told her that it ended and I was n't getting enough to pay back an loan, my concern was keeping a roof over my family, she got aggressive asking about my income tax, if I own my home and how much was my employment, she was wrong on so many levels, she even said I knew I was getting fired. I am under alot of stress and I do not need this
Product: Credit card or prepaid card

We made a purchase of {$11000.00} as part of a credit card promotion : Pay no interest if paid in full within 6 or 12 months. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the 6 or 12 months or if you make a late payment. **No Interest if paid in full within 6 or 12 months. Interest will be charged to your account ( at the standard, variable APR of 29.49 % based on the Prime Rate ) from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments are required for this plan during the promotional period. Required minimum purchase of {$500.00} for the 6 month plan or {$1500.00} for the 12 month plan. XXXX XXXX Credit Card Accounts are offered by Comenity Capital Bank, which determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than {$27.00}. Minimum Interest Charge is {$2.00}. Standard variable APR of 29.49 % based on the Prime Rate. 
Payments of {$650.00} were made by automated payment setup through our bank on or around the XXXX of every month to waive interest costs if paid in full by the term 's due date. Monthly due dates were on the XXXX of each month. However, the last month 's payment date was on the XXXX of XX/XX/2019. The payment was made in that month on the usual date of the XXXX, which was still only six days late. We realized our mistake after thinking everything would be automatically taken care of and called the XXXX XXXX credit card customer service which is Comenity Bank. We were passed around from person to person while they claimed that our issue was being escalated. Every response was the same and no negotiation took place at all. We feel that the early due date on the last month is to intentionally trap people who use automated bill payments or those who budget bill payments at the end of the month. We think that due to the fact no one would try and negotiate with us, and being so obtuse, when all our payments were made in good faith, indicates they intentionally try to trick people into paying the 29.49 % interest.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX MA XXXX ), Consumer Social Security Numer : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

XX/XX/2015 I contacted Quicken Loans after received an offer from them for a home loan. The offer I received was for 3.625 APR FHA 30 years. After speaking with a few folks and agreeing to our credit being pulled and putting a good faith deposit up, we began the processing of refinancing my partner 's home so that I could be included on the deed to the property and the mortgage. The mortgage broker only offered us a FHA Streamline Refinance and I asked several times if this option will ensure that the Warranty deed for the property is updated to include me name. Each time he assured me that it would ( another Bank had told us we could not do this type of refinance because they would n't be able to add me to the Warranty deed and Title. ) We were quoted an APR of 3.99 % for the FHA streamline and told we should go with this option because any other option would be too difficult since it would require a home inspection etc. We proceeding and closed in about 3 weeks on the refinance. No issues over the last year, until recently we had to sell our home because we are relocating across the country. During the closing process, the title agency determined that in fact my name was never added to the Warranty deed for the property and that while I was liable for the mortgage, had something of happened to my partner I would have had to went through probate court because Quicken failed to update the Warranty dead as promised. This not only slowed down the closing on our home, but added frustration because for a year I had believed based on what I was told I was added to the Warranty Dead for the home and never was. Therefore I was paying on a mortgage to a house which I did not legally own. It was very shady to know that Quicken either failed to update the proper paperwork with our Country regarding the Deed or flat out lied in order to get me secured on a mortgage even though I would not legally own the property. It was very misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received a email from my XXXX saying there was a credit inquiry. 

It was problematic because my XXXX account is frozen. I placed a freeze to prevent identity theft. 

When I called XXXX, they informed me that there are exemptions to the credit freeze, such as being in business with them because I have shopped there. I informed them I do not have any credit cards, and have never given them my information. How was it possible to inquire on my credit when there is a freeze and I was never contacted. to which they hung up on me. 

I would like this inquiry off my account as I did not do it, and I am still unaware of how anyone was able to inquire with my account being frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of the customers affected by the Equifax data breach in XXXX. Equifax provided me with a a free credit monitoring service up to XXXX. I recently attempted and was able to register through myequifax.com website ( to be able to continue to monitor my credit file ). However, I wasn't able to log in to the website due to some error message. Over a period of one month, I called Equifax 3 times for a total of more than 3 hours and they were still not able to resolve the issue and let me access the site to monitor and freeze/unfreeze my own credit file. As of today XX/XX/XXXX, I'm still not able to do so for a simple log-in issue.
Product: Credit reporting or other personal consumer reports

Please get rid of these inquiries. I am not informed about them, and the company proceeded without my consent.
Product: Student loan

Performant Recovery Inc contact me to apply for a rehab program in order to stop my garnishment of 15 %. I submitted all of the required documents and the approved a payment of {$53.00} and details are under Performant account number XXXX. After the 5th payment  the garnishment was going to stop. On XX/XX/2019 5th payment was performed. ( See Attachment # 1 ). 

Next payment checks from my company were received on XX/XX/XXXX and on XX/XX/XXXX. On both checks the garnishment continues to charge. Yesterday I contacted Performant Recovery Inc and they told me that they sent the communication to XXXX and XXXX is who should notify my employer. In addition Performant Recovery Inc told me that the latest payment of my garnishment that they received was on XXXX XXXX 19. I  contacted finance department of my employer and they never stopped payments. ( See Attachment # 2 ). 

Today I contacted XXXX and they told me that they don't do that and the account ( Account # XXXX ) that they have is one that I paid separately and which is now stopped because I am studying my XXXX XXXX. 

I am so confused and I need to understand my exact student loans debt and where the money goes. 

XXXX XXXX from Performant Recovery Inc is the person that I always call for payments confirmation number and other question ( XXXX-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 violates the customer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective to prevent and adjust fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed that I have a late payment being reported by XXXX XXXX Credit card XX/XX/2024. I have been a XXXX XXXX credit card holder for almost XXXX XXXX with excellent payment history. I was a victim of Domestic XXXX and I was forced to make some life changes immediately. I reached out to the company and unfortunately they were unable to help me.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
Product: Debt collection

Threatened me first about IRS and now with criminal charges. The company is Delta Group at Least thats whats on my caller id the number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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
Product: Money transfer, virtual currency, or money service

PNC is blantatly stealing money from its customers and people who are no longer their customers. PNC should be shut down. 

A bank transfer of XXXX was sent on XX/XX/2022. This was sent to a closed account, PNC will not reverse the money. There is no account, I have no account with PNC, they are stealing and should be liable. 

I closed stopped using my account because of this exact reason. PNC then took retaliation for this. The account is closed and they are still taking retaliation.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such amount and also other documents so I may review too see if this is actually an account that belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your XXXX XXXX|FlC0 REP0RTXXXX - Two Suspicious Transactions, FIagged. ResoIve By, XX/XX/XXXX XXXX : XXXX Received the above message at XXXX XXXX on XX/XX/XXXX. CaLLED EQUIFAX AND THEY SAID IT WAS A SCAM/. Wish you could catch these people ... it is scary. 

This is not the fault of Equifax but whomever is impersonating them.
Product: Debt collection

THIS COMPANY HAS CALLED MY WORK PHONE AFTER I TOLD THEM TO STOP CALLING, THEY ASKED TO SPEAK TO PEOPLE SITTING NEXT TO ME THEY ASKED THE RECEPTIONIST TO PAGE ME AND KEPT ASKING FOR A CELL PHONE NUMBER AT MY PLACE OF EMPLOYMENT. THEY CALLED MY CELL PHONE 13 TIMES
Product: Money transfer, virtual currency, or money service

I contacted Freedom Debt Relief to sign up for their debt settlement services in XXXX of 2018. They signed me up for services with who was once their sister company, XXXX XXXX XXXX. I was promised, by Freedom Debt Relief, a {$250.00} referral bonus for referring a " friend '' to their services, once that friend completed three months within their program. I referred my fiancee, as we are both struggling financially and looking to get out of credit card debt. 

I've contacted the company repeatedly, but have never received my referral bonus. I started reaching out to them more frequently recently, as my car recently broke down and I was hoping that {$250.00} bonus could assist in repairs. I was told by an XXXX XXXX that my referral bonus was " overlooked '' along with a bunch of others, and that they had corrected and mailed the check out on Monday, XX/XX/XXXX. Today is Wednesday, XX/XX/XXXX and still, no check. My fiancee has been in the program for more than 6 months, meaning this check is more than 3 months overdue. Had I known that this was a false promise and we'd be getting the run around from Freedom Debt Relief, I would have suggested that he enroll in a different debt settlement company. Freedom Debt Relief seems like they prey on people who are financially vulnerable, and once you've signed up, they want nothing to do with you. I can't even speak directly with XXXX XXXX now, as their customer service department tells me they can not talk to me if I don't have an account directly with them. Please be careful when dealing with this company, it seems they will tell you anything to get you off the phone, but will not deliver. It's completely unacceptable that a company of this size can let checks be " overlooked ''
Product: Checking or savings account

I opened a checking account with Citizens Bank one month ago. It was a huge mistake. About a week later I wanted to begin online banking on the Citizens website. I was informed that I could not engage in online banking and to call this number ( XXXX ). After waiting on hold for 30 minutes and being directed to multiple people I was still unable to initiate online bill pay or access my funds. I called the customer service number again and no one was able to resolve the problem. The next week I decided to open an account at another bank b/c I was unable to access my money at Citizens and then transfer my money to the new bank and close my Citizens account . I again had to call the Citizens customer service number to initiate a transfer b/c the website would not let me transfer my money to my new account. It took multiple people telling me that they could not resolve this issue until finally someone was able to approve and initiate the transfer. Unfortunately a day later I received an email telling me that the transfer was CANCELLED and that I would have to call the customer service line again. I am not able to get help from anyone at Citizens through this customer service number and I am unable to access my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute to remove an old closed account approx 1-2 weeks ago. Received an email back XX/XX/XXXX saying the dispute was closed. Then when I logged onto XXXX XXXX its now showing as a reopened dispute and as I am missing a payment. As laws go, the Fair Credit Reporting Act ( FCRA ) If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item.
Product: Checking or savings account

While asking XXXX XXXX XXXX XXXX XXXX to buy shares of XXXX ( XXXX XXXX XXXX ) they did not disclose the settlment date which happened earlier than the usual time. Because of that all investors got charged margin interest rate on XX/XX/2019 right when they placed the order. Furthermore they got charged money even on money they overpaid for and was not used to purchase the stock. 
Such fees should be disclosed beforehand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Upgrade and paid it in full on XX/XX/2022. Prior to the account closing I was on a hardship plan and no payments were ever missed. Upgrade has sent two credit correction letters to the credit bureaus to have my payment history corrected. Both times the correction was made, but I am having this problem again this month. Why is Upgrade still reporting anything on me and my account is closed and was closed last month when I reported the same issue to them. If my account is closed Upgrade should not be reporting anything to the bureaus, but they continue to do so and it is affecting my credit score
Product: Credit card or prepaid card

On or about XX/XX/2019, as a result of a promotional offer of zero percent balance transfer, I applied for and received a XXXX XXXX card. At that time, I requested that a balance transfer of {$4500.00} be applied to my XXXX XXXX ( higher interest ) credit card. It did not get processed. Several weeks later I inquired regarding the status and learned that my request was never processed. At that time, the Customer Service Representative offered to put it though based on our phone call. I provided the requested information and assumed it would be done Several weeks later and after not seeing the transfer hit my XXXX XXXX account, I received my normal statement from XXXX XXXX regarding my ( low interest ) car loan. It became evident that somehow XXXX XXXX directed my balance transfer to my car loan account and not to my requested credit card account. 

Upon speaking with XXXX XXXX Customer Service, I was initially told that I must have provided the wrong account number and it was my mistake. Upon further checking Customer Service verified that they had the proper account number, but nevertheless could not determine how the mistake was made saying further, " that because the funds were already transferred and accepted by XXXX XXXX, they were powerless to do anything and that it was up to me to find a way to " fix '' the situation. '' Ultimately I asked that my call be escalated to a Manager, who essentially refused to acknowledge that the mistake was theirs, however, he indicated that my balance transfer fee would be refunded and the incurred interest, up to {$100.00} could be provided to me. The incurred interest at the time was an amount in excess of {$100.00}. XXXX XXXX has refused to accept any responsibility for their error and the balance transfer fee was not refunded. I would not accept an amount less than the incurred interest.
Product: Debt collection

The only acct I have ever had with XXXX XXXX XXXX was established and closed in XXXX. I have since worked for XXXX XXXX XXXX 2 years and paid this debt to a company called XXXX back in XXXX. Why am I being contacted regarding a debt that is XXXX XXXX XXXX and is paid. I have contacted the company through a dispute and adv them to send me a letter of validation from this acct and the only resp I got was from the credit bureau adv. that it was deemed mine. Is this a different account we are speaking of? I want paperwork regarding the service provided and address.