23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is a woman named XXXX, her extension is XXXX. The phone number to this debt collection company is XXXX. I never can get a clear answer of the name of this debt collection company, but when I did call after receiving threats from XXXX, she continued to try and get personal financial information of mine from me. She, or whoever else continues to call my mother 's house and leave information about the debt and what they are going to do if I do n't pay it. They continue to say they are going to take everything I own, going to sue me, I was talked very rudely to on the phone. I do not appreciate how this was handled. I do not dispute the debt, however, things could be done in a lot more nicer and professional manner. I would like them to cease contacting my mother 's house. I do not live there. I do not know why they continue to bother her with my personal business. The website I used to get the loan was okay to begin with ... the way people were able to get the amount of a loan needed, and pay it back on the next payday. Their policy was owing 10-15 % plus the amount of the loan. Then, for some reason, they changed their policies, not giving really any good reason as to why the change, and the website was not explanatory enough as to charging a certain interest rate per day that you did n't pay the loan back up until your payday. I kept it up for a while, until it just got so ridiculously expensive, and I just could n't do it anymore. I could not afford what they were trying to charge me and it was racking up charges left and right..just bewildering me. What I do not understand now, is why all the hostility over a debt? Why call and say I 'm in trouble, I 'm being sued, they want my financial information, they want to wipe everything out of mine, rather than it be something that just goes on my credit at the end of the day? Does it have to be this hard? I understand it is my debt, but when I can not do anything about it, and I continue to get harassed and heckled about it, even my mother 's ... should something be done to relieve my situation?
Product: Money transfer, virtual currency, or money service

Im an international student in the XXXX. My parents were wire transferring me my tuition to Bank of America account on XXXX. It takes XXXX days for the transaction, but during the transaction, the Bank of America close my account for some reason only they know. I got an email telling me my wire transfer is received, so I tried to pay my tuition with my bank account. At first, I was able to submit my payment, but days later, the XXXX department XXXX XXXX XXXX told me the money was returned to my account for some reason. And since they closed my account, they kept my money on hold till now.
Product: Checking or savings account

I had four accounts with Bank of America ( BofA ) including one joint account with my mom. In XXXX, my account got locked because of suspected fraud from an ACH transfer from a new employer. I contacted the bank and told them it wasnt fraud and they reopened my account. In the middle of XXXX, I received an email that all of my accounts were closed. I called Bank of America and they said it was from the ACH transfer and bitcoin purchases. I explained that those werent fraud and would like the money left in the accounts to be sent by cashiers check. I also explained I have done ACH and bitcoin with BofA many times with no problem. In XXXX, I visited a branch location where they gave me a number to call a few days later that would take my information for a check to be sent, but every time that RISK number is called they have been saying they need authorization from the sender, I told them that wasnt possible because I no longer work for the company and am not receiving any response from them. I have provided them with all the information about the company they have asked for. They refused all resolutions, between my mom and I there have been a total of at least ten calls. When we called a few weeks ago, we were told the money would be sent out then this past week they said a claim had to be filled for review. We have continued to call and are no where near resolving the case. During the calls my mom has had with them, they have given her information about my personal accounts she is not affiliated with, without my consent. The account I have with her and the money that was in it has nothing to do with the ACH transfer and they have said they would look at records to track where the money has come from and gone to, but there has been no proof of them trying to do that. Checking - {$84.00} Savings # 1 la
beled as Rent and Utilities- {$2400.00} Joint Savings account with mom - {$6000.00} Account # 4 labeled as Debt money - {$4000.00} Total amount : {$12000.00}
Product: Credit card or prepaid card

Capital One failed to follow mastercard policy and the law regarding my dispute with XXXX, aiding XXXX in defrauding me. 

I was charged {$99.00} despite having cancelled a service before the billing date. The service was online classes and I did not access any content. There is no way to reach a human being at XXXX so I asked for Capital One to initiate a dispute. They did so but pursued it incorrectly, so I have paid for something I both cancelled and did not receive. I did not receive any notice from XXXX that I was charged, and I discovered it only in my credit card statement. 

Capital one asked me to prove that I cancelled. I cancelled online via XXXX 's system, meaning that I rely on them entirely to send or otherwise provide proof. They did not do this, and lied saying it was not cancelled. I believe this is intentional rather than computer error but I don't really know. When I logged into my account, it showed cancelled and asked me to sign up, proving without a doubt that I had cancelled and had not access to the paid content. I told Capital One all of this, but still they chose to assist XXXX  in ripping me off. In addition, I discovered that I was getting all emails from XXXX in duplicate, which may mean that they accidentally duplicated something and only one got cancelled. Not sure, but clearly something wrong. 

I was forced to pay for something I cancelled, never accessed, and then told I had convince the scamming merchant to admit cancellation or just accept being defrauded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is reporting as a charge off.And I would like to have it removed from all three credit bureaus. Its been XXXX years from the first date of delinquency. Per XXXX XXXX account should been removed off the credit it XX/XX/XXXX. Ive disputed this account through XXXX, XXXX and Experian however it still remains on my credit report. Ive worked with Experian XXXX XXXX in XXXX and have been working with XXXX XXXX to have this delinquency removed from my credit report. Escalations letters have been sent to XXXX finance company as well as the XXXX credit bureaus and have not heard anything. Please help me removing this account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the XXXX and TransUnion credit bureaus that I was a victim of Identity Theft. It seems the XXXX and TransUnion credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX : {$1800.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXXXXXXXXXX  XXXX XXXX XXXX : {$2800.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXXXXXXXXXX  XXXX XXXX XXXX : {$1000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX XXXX XXXX : {$0.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX  XXXX XXXX XXXX : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

CCI XXXX XXXX XXXX : {$160.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.
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 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

CREDIT BUREAU : XXXX XXXX TRANS UNION LLC FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX XXXX. TRANS UNION/ TRANS UNION LLC IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. XXXX AND XXXX HAVE REMOVED THESE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT FOR OVER 1 YEAR. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLCTO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. TRANS UNION/ TRANS UNION LLC HAS 4 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNION/ TRANS UNION LLC XXXX XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the XXXX  and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of XXXX, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the XXXX and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Federal Student loan with the XXXX XXXX XXXX XXXX that went into default and they began to garnish my paycheck until the loan was paid off in full. The final payment was made over a year ago. In fact I over paid on the loan and received several refund checks from the US treasury department to repay back the over payment. A few months ago I was informed by my mortgage lender that I had an unpaid student loan appearing on my credit report. I thought he must be seriously mistaken but there was a balance of {$180.00} added to a school loan and it stated it was unsettled. I reached out to the XXXX XXXX XXXX XXXX about what was appearing on my report as well as disputed the era with Transunion. I was told by XXXX XXXX XXXX that my acct was categorized incorrectly and they would have to correct it and should reflect correctly in 7 days. I waited two weeks and called them back and the era had not been corrected. I was reassured that the problem would be corrected and was told this time that it only takes two days. My lender ran a check of my profile on some system ( due to me applying a gov backed loan ) and my name was cleared after two days. My transunion report was corrected as well. However, now on my XXXX report it is saying that I failed to make a payment on the acct this year. The acct was satisfied last year and there should not be anything due. They owed me. Now XXXX is not allowing me to dispute this acct again because I disputed it previously. My fear now included that XXXX  will be the next one receiving incorrect information on my report. This has cost me two homes in this home buying process. Please help
Product: Credit reporting or other personal consumer reports

-A NON DISCHARGED/OPENED OR DISMISSED XXXX XXXX BANKRUPTCY WILL REMAIN ON THE CREDIT FILE TEN YEARS FROM THE DATE FILED. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. ( How is it reporting at all without my written permission? ) The bankruptcy being reported is reporting without my written permission. I have not provided any written, un-written, verbal and/or non-verbal consent to Experian, XXXX, and/or XXXX XXXX to report the bankruptcy on my credit report. 15 USC 1681 ( 4 ) " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY. '' Reporting of the bankruptcy without my written consent is a violation of my privacy. 15 USC 1681 ( b ) " ... consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for 'consumer credit, ' personnel, insurance, and other information in a manner which is 'FAIR AND EQUITABLE to the CONSUMER, ' with regard to the CONFIDENTIALITY, accuracy, RELEVANCY, and PROPER UTILIZATION of such information in accordance with the requirements of this subchapter. '' The reporting of the bankruptcy on my credit report WITHOUT my written permission and/or consent is a violation according to the USC definition of permissible purposes. Experian, XXXX, and/or XXXX XXXX does not have a permissible purpose to report the bankruptcy. Furthermore, reporting of the bankruptcy is not " fair and equitable '' to me, the consumer. uscourts.gov states " Bankruptcy courts DO NOT report to ANY credit reporting agency. '' How is it that Experian, XXXX, and/or XXXX XXXX reporting the bankruptcy without my written permission? This is my third attempt, requesting removal of the bankruptcy from my credit report. I will be moving forward with an FTC complaint and seeking civil liability charges for willful noncompliance, per USC 1681n.
Product: Debt collection

XXXX XXXX ( XXXX ) has called me many, many times on my personal cell phone ( which I understand ) but they continually call my place of business and leave messages threatening to sue my employer for fraud, my bank for fraud and use names of individual that I know in some of their communication. They threaten to serve me with legal documents but say they can only serve me at my place of business. On XXXX/XXXX/2015, they called my managers phone number, listened to her message which clearly states her name, title, etc. and left a personal message for " me '' on her phone. I met with a free legal aid attorney on XXXX/XXXX/15 and they informed me that this is against the law and that I should report them to the attorney general 's office. They further told me " not '' to speak with them and to let my debt management company handle but XXXX XXXX will not call them because they know they can not threaten them with actions that they can not take or that are too costly for their company to pay. They are collecting on behalf of a payday loan company and were told that my debt management company will only work with the originator of the loan. The originator was contacted but disregarded the debt management directions and gave my loan to this company to collect using unethical tactics. I have reported the original company and included the name of XXXX XXXX in another report to CFPB ( Ref : Case number : XXXX ) but I want these people notified also. The attorney stated that I have the right to tell them to not call my work or cell phone again because that is the law. But what about the fact that they call others who know me and tell them personal information that they should not be sharing? How do I get them to stop that? They have not contacted me in writing and according to the FTC they must do that, and I have no address for them, just the names they give, the phone number they call from and their threats which change each week as to who they are filing fraud against. Their last phone call on XXXX/XXXX/2015 stated that my debt management company wrote and said that they were to work out an arrangement with me. That is not true, it states that the originating company should contact them to discuss payment arrangements and then I would make payments to the originator directly. It does not say that they are to call me and discuss because I have been instructed " not '' to speak with them. I guess they think that I do n't understand the language in the legal notification that their client received. Please assist with this issue. It was not my intent to stop paying this loan but due to medical and family hardships, I was unable to continue to meet my obligations to all of my creditors which is why I employed the services of a financial company. If I lose my job because they continue to harass me or call my employers and leaving confidential information on their phones, they will get nothing. I guess these tactics may force others to pay who are truly able to, but I have nothing extra to give without removing the roof over my family 's head and stop feeding them or paying essential utilities to maintain. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX ) XX/XX/20 in the amount of {$1600.00} Account # XXXX ( XXXX XXXX XXXX  ) in the amount of {$180.00} and Account # XXXX ( XXXX XXXX ) in the amount of {$140.00} has violated my rights. 

15 U.S.C 1681 section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A ( Section 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XXXX, I got scammed by a person named XXXX XXXX posed as he's leasing an apartment to me. We both signed the lease, and after following the directions by XXXX on payments, I accidentally transferred a large sum of {$2300.00} to XXXX XXXX at XXXX via XXXX to XXXX XXXX XXXX Money was supposed to go to XXXX XXXX and not XXXX XXXX. XXXX or did not respond after following up for returning money. I filed a claim with Bank of America, and they gave a claim number XXXX. 

XXXX XXXX sent emails from IP address XXXX. His email is XXXX and his XXXX voice number is XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681e- Compliant procedures, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates. 
15 USC 1681i- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( iii ) by not later than 15 days after receiving a request from the consumer description. These items have failed to be verified. I would like to have them removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient had XXXX XXXX XXXX XXXX call me to collect an offer amount to close out my account. It was a total of XXXX and I paid it off on XX/XX/XXXX. 
I got an email stating I owed this again from XXXX XXXX XXXX. I paid it on Monday XX/XX/XXXX. Not realizing it was the same loan from Navient. So I was directed to call Navient to get this resolved. They asked for the reciepts. I emailed it to them and I still haven't heard from them. I called yesterday for the 3rd time to ask what is taking so lokng and XXXX said that they are backed up and there is no eta as to when this would be resolved. So now I have a maxed out credit card against my credit report for no reason. Clearly someone from Navient dropped the ball because XXXX shows my account closed with no issues. 
Thanks in advance for any help I can get on this matter. : )
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into my XXXX  account today to obtain a copy of my 3 bureau credit report. I saw a lot of information on there that does not belong to me. Information I have no knowledge from where it came from. I don't know any of these companies and i have never received any form of goods or services from them. My personal information was used without my permission or knowledge. I am a victim of identity theft and I am taking steps to protect my identity and prevent this from happening again by filing this police report. This is the fraudulent information listen in my credit report ; It ranges from Fraudulent Closed Accounts to Fraudulent Collection Account, Fraudulent Inquiries and Fraudulent Addresses : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONSTANTLY BEEN REACHING OUT TO XXXX, XXXX AND EXPERIAN REGARDING AN INACCURATE BANKRUPTCY THEY ARE REPORTING. THIS HAS BEEN GOING ON SINCE XXXX AND I AM NOT GETTING ANYWHERE. EVEN AFTER I HAVE SUBMITTED DOCUMENTS SHOWING IT IS INACCURATE.