23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XXXX of XXXX I started receiving a bill from Sears Credit Card Services, STATING I owed money and to respond within 30 days. I called them and explained I had not been using my SearsCard and there was no way I could owe money. 

They stated that the balance was not from me using my Sears card but a balance transfer from another account. I asked for a copy of their records and they stated they were the collections part of the Sears and only had a record of what the debt was " XXXX XXXX and a dollar amount in XXXX ''. 

I told them this was fraud I paid my bill in XXXX and need them to tell me what payments they received towards the XXXX XXXX. They again stated they were the Sear 's Debt collecting Agency and they had no records of any payment activity only the amount they were to be paid. 

I then called Sears Customer service and spoke with two operators the first told me to pay my bill if I did get my ducts cleaned I owed the money the second which was supposed to be her supervisor stated that I needed to speak with another department. She sent back to collections and to the a different collections representative who put me on hold to review my account and never came back on the phone. 

The Collection Agency continues to call all times of the day and will not listen when I explain I have already paid this Duct Cleaning Bill. They state for me to send in proof of payment which I have but I do not want these crooks to have my routing number and checking account number. 

I have copies of my XXXX check book register as proof of payment. Please make them clear this fraudulent debt, and stop calling me. 

How can a company bill you 3 years after you have paid a bill and add interest and fees? 

Please help.
Product: Debt collection

On XXXX XXXX in the morning hours Tow truck of Toyota Financial Services XXXX XXXX XXXX XXXX XXXX XXXXnce at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California and Repo my 2020 Toyota XXXX with vin # XXXX License Plate # XXXX with California Expired plates of XX/XX/2020. 

Toyota Financial Services didn't want to accommondate me on my financial hardship and my XXXX XXXX and reduce payments under {$480.00} a month. 
As I respectfully can afford $ XXXX {$350.00} a month but not {$480.00}. 
I even took vehicle to XXXX Toyota to trade vehicle but Toyota Administration didn't want to accept the XXXX XXXX XXXX XXXX of {$14000.00} now vehicle was taken from me and now I don't have no vehicle to attend my Lifetime XXXX appointments with my Dr.XXXX XXXX XXXX in XXXX, Ca. 

Toyota Administration pulled my credit with Experian, without my consent on XXXX and now Repo the vehicle to destroy my credit.

Toyota Administration is in Retaliation and Discrimination because I filed many Federal Government complaints and I consulted with a Law Firm of XXXX XXXX Attorney and a letter was sent on my behalf. 
This is a major Discrimination and Retaliation against me as a XXXXXXXX XXXX XXXX and XXXX Status. 
I will file a Discrimination and Retaliation with XXXX Department of Justice on this issues.

Toyota Administration has placed me on collection of {$26000.00} as now they are going to sell the vehicle for less than {$14000.00} and place the remaining balance in collection with Debt Collector and notifying credit bureaus of Experian, Equifax and Transunion.

Toyota Administration doesn't support our US Military Veterans and our XXXX Citizens and Military Veterans. 
With Honor And Respect Always.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings Indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. Leaving users vulnerable to scam this lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

I recently reviewed a copy of my credit report and noticed a collection was issued which is hurting my ability to gain credit. 

Source : XXXX XXXX XXXX Address : XXXX XXXX XXXX, Oklahoma XXXX, OK Balance Date : XX/XX/year> Balance : {$3000.00}
Product: Vehicle loan or lease

My car was totaled back in XX/XX/XXXX. My insurance company, XXXX, paid {$12000.00} on XX/XX/XXXX that Westlake confirmed they received. I have GAP insurance to pay the remainder, but they have not processed it yet, which results in my remaining payoff of approximately {$4500.00} getting higher each day. It has been well over 30 days so my balance should be XXXX with the GAP insurance. This is still being reported to all 3 credit bureaus as a debt over {$17000.00} which is increasing my debt to income ratio, lowering my scores, and interfering with my ability to qualify for purchasing a home. The company needs to process the GAP claim and report the accurate balance.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase with my Chase Card online at Amazon. Although I used my reward points for this purchase, and points were deducted from my point bank, I was ALSO CHARGED the amount ( {$22.00} ). 

On XX/XX/XXXX this happened again. I used reward points to pay for three items totaling {$100.00}, and used {$27.00} worth of reward points toward the total. However, although the points were deducted and shown as being 'used ', they were not in fact applied to the purchase. 

The company ( Chase card services ) reimbursed the {$22.00} from the XXXX complaint. I am waiting for the paperwork for the second complaint. 

I am concerned that XXXX is defrauding its customers who are n't diligently checking their Amazon.com bills. The Amazon.com bills are PAINFULLY difficult to reconcile with purchases and Chase and Amazon are taking advantage of this to defraud customers of the money they 've earned through reward points. 

Amazon should also be forced to include a description of what you purchased on their bill. Every transaction is labelled the same and even though you might buy three items at once, they show up on your bill as three individual items, often on different dates of purchase. This makes reconciling your monthly bill a nightmare and makes it more difficult to spot errors, like the failure of points to be applied.
Product: Credit card or prepaid card

Oportun Inc ( XXXX ) Allowed a credit card to be fraudulently opened in my name using a stolen email address from an identity thieve. XXXX, I already reported this to Oportun. I have not used this card to make any purchases, and I did not receive any credit cards from Oportun. The credit card was opened fraudulently using stolen Identification. I have fraud alerts on all 3 credit bureaus and Oportun did not make any efforts to clear the fraud alert before opening the credit card. I have not made any payment 's on this account. I did not receive any credit cards from this company, and I do not owe a balance to this company. This credit card was opened from an identity thieve and I did not authorize anyone to open any account 's in my name. I have already reported this to Oportun and nothing has been done about it. Oportun continues to report this to the credit bureaus with a balance of over {$530.00} owed which I do not owe. I did not receive a card from you, I do not know how to login to your site, and I did not make any purchases with a card I never received. I did not authorize this account to be opened in my name. This application and card are fraudulent, and were fraudulently obtained. This account should be closed. I am attaching my FTC Identity theft affidavit below.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I request for my free credit report. Lexisnexis response was for me to go online to get it and i clearly stated in my letter i only communicate through the US Postal service
Product: Credit reporting or other personal consumer reports

I was informed by a bank that my account was denied due to information listed on XXXX, Transunion XXXX XXXX. XXXX, XXXX XXXX Transunion are Credit Agencies not a credit bureaus. A credit score is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - XXXX, XXXX XXXX Transunion is not correct t on what they are doing.
Product: Mortgage

We received a written Payoff Statement from TD Bank on XX/XX/2020 at XXXX. In reliance on this statement, we refinanced our mortgage and wired the full and final payoff balance plus 4 additional days interest to TD Bank on XX/XX/2020. TD Bank accepted that wire payment. As part of our refinance, the title company collected and paid the XXXX property taxes to the County. 

On or about XX/XX/2020 TD Bank called my husband 's cell phone to state it was a collections call for the outstanding balance due on our mortgage. We informed them this must be an error that our mortgage was paid in full in XXXX. This was our first notification by TD Bank. 

On XX/XX/2020, we received a letter from TD Bank stating the payoff statement was incorrect. On XX/XX/2020, TD Bank without our authorization withdrew the second half property taxes from our escrow account in excess of the account balance creating an escrow shortage after TD Bank was in receipt of our full and final payoff on XX/XX/XXXX. TD Bank included these escrow funds in a check that was cut to the County on XX/XX/2020. We have no proof of this tax payment and the County has not posted it to our account. 

We were never notified of the escrow shortage that TD Bank created after receiving our payoff until the collections calls began on XX/XX/XXXX. In fact, TD Bank had just completed an escrow analysis in XXXX after paying our the first half property taxes in XXXX. TD Bank is now demanding an additional {$2800.00}. 

On XX/XX/2020, I spoke to XXXX XXXX who refused to give me his last name ), the supervisor of the loan servicing department, who confirmed that TD Bank received the payoff funds on XX/XX/XXXX. He confirmed that the amount due was caused by TD Bank deducting funds from our escrow account on XX/XX/XXXX. He refused to attempt to contact the County to request a refund of the taxes that TD Bank sent in error and told us we must seek our reimbursement. 

TD Bank is not only penalizing, but also causing an undue hardship to the consumer for their own errors and omissions that started with : 1. incorrect escrow analysis ; 2. unwillingness/refusal to apply the payoff wire ; 3. breach of fiduciary duty to cause an escrow shortage after receiving a full & final payoff ; & 4. lack of any notice to the consumer for over 21 days after receiving and holding the Full & Final payoff ; 5. Failure to satisfy the loan when in receipt of the Full & Final payoff amount ; & 6. Placing the consumer in collections and negatively impacting the consumers ' credit due to TD Bank 's refusal to apply the full & final payment. 

These are unfair, deceptive and egregious financial business practices.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715 719 I may Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

I am Filling this Complaint Against credit report agencies XXXX, equifax and XXXX As I see false information on my report is being commingling which can be assumed as fraud Pertaining to Truist Account number XXXX Which I see Inaccurate information reported starting with the Late payment as of XXXX which XXXX, XXXX and equifax provided no proof of that late payment and in accordance to with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section XXXX states I have the right to privacy 15 USC 1681 section XXXX Section XXXX it also states that consumer reporting agency can not furnish an account account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose can you help with the credit I am demanding credit reporting agencies to remove any late payments off XXXX  account Along with lies and false remarks saying the account is past due XXXX dollars or XXXX dollars I do not take to kindly To False accusations on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$8.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$8.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XXXX XXXX ; XX/XX/XXXX ; 30 days late payment XX/XX/XXXX ; 30 days late payments in XXXX ; 30 days late payment in XXXX ; 60 days late payment in XX/XX/XXXX ; 90 days late payments in XX/XX/XXXX ; Including XXXX and XX/XX/XXXX year reported Negative A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my Experian Credit Report and circled the violations, Experian violated in red color. 

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit card

Few months back -- I did not recognized all the charges to my Home Depot card. I called Citi Bank the one issue this Home Depot card to tell them those are not my and I am not aware it or authorized any one to use it. The bank took those charge off my account, but around a month later there is a agent from Citi Bank asked me that I give my card to any one. I responded that I have two credit cards -- I give the one with XXXX to my son who lived in XXXX  for emergency case. I did not know why it translate to this agent to I give out my Home Depot card. After that I had been calling numerous times to the bank to fix the issue, but no response.Then certainly my Best Buy store card got charge $ XXXX something. This time I think the bank fabricated these charge or someone charged. I told the bank agent that I stop use this store card for a while and I had $ XXXX credit on this card. Nothing resolve just run around this issue.
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 loss. 
Denied refunds for services that wasnt complete. 
XX/XX/year> {$100.00} XX/XX/year> {$4.00} XX/XX/year> {$75.00} XX/XX/year> {$18.00} XX/XX/year> {$40.00} XX/XX/year> {$170.00} Cashapp denied refund XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have notified XXXX, XXXX, and Experian about a case of identity theft. There is an account and collection account that is in my name that is not mine. I have filed a identity theft report with the FTC and sent it to all three bureaus, but they refuse to remove this fraudulent information.
Product: Credit card or prepaid card

I filed a complaint with CFPB and the company responded however their response was not posted on your web site. I was told I would receive their response via US mail and I have not. 

My complaint number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any accounts with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? when was last activity of the acount? 
Why is it not reporting accurately across all bureaus? Statue of limitations? Not my account Please update and remove and suppress this innacurate account 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- summary XXXX XXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX Agency Name XXXX XXXX XXXX  Date Assigned XXXX XXXX, 2017 Original Balance {$210.00} Current Balance {$330.00} Responsibility Individual Status Collection account Comments Placed for collection
Product: Debt collection

was checking my credit report, XX/XX/2023 and I realize I saw some accounts in collections on my report that are in accurate and out of date and still reporting...
Product: Debt collection

I received a phone call from a gentleman by the name of XXXX XXXX approximately a year ago telling me that I owed this debt and if I don't take care of it, legal action would be taken. I explained I didn't know what this was and I wasn't going to pay for it. He stated the debt was for a Help Card that was opened in XX/XX/XXXX, last activity on the account was XX/XX/XXXX. The amount was charged off. I explained again it wasn't my debt and XXXX XXXX said he would take legal action to seize my property and garnish my wages. I ended that phone call. Within the last two weeks, the phone calls started again. The first one was a lady asking if I would be available the following day to be served papers to go to court. She stated she knew I have had discussions with people in her office informing me what this was about so I need to make sure I am available to be served. I again stated I had no idea what she was talking about. She gave me a phone number to call and inquire about the debt. I have caller ID blocked on my phone so you can't see what number I am calling from. When I called, another lady answered and without introducing myself, she knew who I was. She said my name appeared on her phone. She went on to inform me this was my debt and I need to take care of it. She said if I would just pay it, they wouldn't come after my paycheck. She further stated they are going after my money, my house, my cars, my check and they will get it. I explained again to the second lady this was not my debt and she continued to let me know they will get my pay check one way or another. I received another phone call one week later from a gentleman named XXXX XXXX - he left a voicemail message stating he can only help me and my husband if I call and take care of this matter by the close of business today. I returned his call and he started accusing me of not paying my debt and I just need to return the merchandise. I asked for his address and company name and he refused to give me the information. I told him I had contacted an attorney regarding this matter and he informed me that he would love to speak to my attorney and if I would give him the name of the law firm I contacted, he would provide me with his information. I told him they were using threatening language with me and their tactics were unprofessional and unwanted especially since the debt isn't mine. He stated he is going to get the money for his client and I need to surrender the merchandise and pay the debt. He then accused me of playing games and they will see me in court. During the conversations, all of the individuals I have spoke to could never clearly state who the company was that they were working on behalf of. They only stated it was for a HELP Card for either a mattress, exercise equipment or something of that nature. Once we hung up, my XXXX XXXX was through the roof and I was XXXX XXXX. These phone calls need to stop asap.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting

Last year I had a computer stolen, all my information was saved on the computer all my personal and password information. I am writing about all the inquires that I did not do. These are all that I do not have any credit with and would have never contacted them. they are listed here these are the ones from the Eqifax credit reporting bureau. I listed them here by the company and the date the Inquirey was made. 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 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/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX I do not have any creditors by these inquires and as you can see some are made twice in the same day.
Product: Credit reporting or other personal consumer reports

I sent in a letter via certified mail to the XXXX XXXX XXXX XXXX XXXXXXXX that was received on XX/XX/XXXX at XXXXXXXX XXXX This letter states that they are furnishing innacurate information that is negatively impacting my ability to obtain credit and should be removed in 10 Calendar days. Today is now XX/XX/XXXX and the innacurate accounts are still on my report. I sent another notice to XXXX XXXX XXXXXXXX via priority mail of XXXX requesting my 1099-c on XX/XX/XXXX to which hasnt received a response. They are willfully noncomplying and it is damaging my credit profile.