23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Check into cash has quite obviously committed violations, using deceptive methods, and ultimately violating my rights as a federally protected consumer under the fair debt collection practices act ( 15 USC 1692 ). They have called and text me many times and sent me an email on XX/XX/2021. They stated that I owe them debt in the amount of {$4500.00} which is a violation in accordance to 15 USC 1692b ( 2 ). They also contact me at unusual and inconvenient times which violates 15 USC 1692c ( a ) ( 1 ). In addition to this, they are guilty of attempting to coerce payment, threatening me, and leaving voicemails that do not disclose who they are, which violated 15 USC 1692d ( 1 ), 15 USC 1692d ( 4 ), and 15 USC 1692d ( 6 ). I notified this company in writing with a cease and desist and affidavit of truth stating that I refuse to pay the alleged debt theyre accusing me of owing and the violations they have committed against me. Those items, along with an invoice for each violation which totaled up to {$9000.00}, were sent on XXXX XXXX and were received on XXXX XXXX. I also filed a cfbp complaint on the XXXX and attached all the documents that I mailed to them. They responded to the complaint on the cfbp website XX/XX/2021 stating that they disagree when they are obviously guilty of these violations and according to 15 USC 1692k ( A ) each violation makes the company liable to compensate the consumer with {$1000.00} for each violation. Also, since I have sent the cease and desist which means all communication in relation to debt collection must cease, they have still contacted me which is another violation as well. I have contacted the attorney general and will go even farther if needed.
Product: Credit card or prepaid card

Date : XX/XX/2020 Amount : {$500.00} XXXX play & {$1200.00} XXXX Action : I tried reaching out to both companies but no help. 

Someone acted as if they were one of my managers and emailed my work email from a personal email. It's not out of the ordinary for one of my managers to have us pick up something or drop off something somewhere. So the person ( acting as if he was one of my managers ) asked for my cell phone number and told me to pick up gift cards for clients. He mentioned that he was on a conference call. ( sidenote : a few of our clients are coming into our office next week which made it more believable. ) My manager wasn't in the office for me to ask him personally so all of our messages were via text. He told me to urgently pay for gift cards for clients and scratch the back off and take a picture of it. The sad part is, this is something my manager would actually do. He would rush us to complete something. I guess the only difference is that my manager would have provided with his company card. But since he wasn't here, he claimed to reimburse me. Then after he rushed me to make different purchases with gift cards, I discovered it was a scam after scratch the gift card backs and sending the scammer a picture and talking to my coworker about it!
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, I deposited a money order into Wells Fargo. I noticed I confirmed for {$100.00} instead of {$1000.00}. So I submitted a claim for the remaining balance. 

So about 2 days later, I saw a deposit reflected in my account but not liquid. So I called to inquire. After not understanding why the money order was still being held outside of the minor issue with me depositing it, I asked to speak with a manager. 

XXXX said Wells Fargo needed to ensure they would be able to collect on the funds. I was confused since CASH was ALREADY PAID FOR THE MONEY ORDER so officially, they've collected on the funds. 

He told me they would probably release the funds on the XXXX of XXXX. It's baffling to hear him give a date as to when the funds would be released. So it's not that you're investigating anything, you're just holding them just because. And if there was a reason, I am entitled to justification because it's my money. 

And because he could not offer that info to me, I told him goodday and I can tell he was upset. So IN ADDITION to me not being able to touch my OWN CASH and it being unreasonably held excessively, without them being able to prove a lengthier hold is reasonable, XXXX FREEZES my account. 

I went to SEVERAL WELLS FARGO ATMs that night and could not get any money. My last try was an XXXX & XXXX XXXX  and i was told their were insufficient funds while looking at the funds. 

So on my good Wednesday night, I am outside of a CLUB, ON THE PHONE WITH WELLS FARGO bc I also CAN NOT XXXX  my sister thr money I just had to borrow from her. 

At first, the rep didn't see the problem but after he dug deeper, he saw ut and said my account shouldn't have been frozen. I mentioned the overzealous manager I spoke with earlier, who answered EVERY different question with the ONE ANSWER. And that's " we can hold anything paper and we are holding your money order until we can collect on the funds, '' NO MATTER WHAT I ASKED. 

He apologized and said one has NOTHING to do with the other and he removed the freeze. This is DISGUSTING to say the least. AND he isn't at fault so his apology won't suffice. NOBODY shoukd have that much emotional REACH over someone elses money. I want my money and I want proper justification as to WHY it was held this long. This isn't even the THIRD TIME I've deposited the money order and if I haven't called about my hiccup, i don't feel they would've held it. This has to be illegal, ESPECIALLY what XXXX did. He does NOT have the legal authority to make the sole decision to freeze or hold my account, especially over a tantrum. I want him reprimanded. I spoke to him on XX/XX/XXXX, around XXXX. The calls are supposed to be recorded so it shouldn't be hard to verify.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my continued frustration and concern regarding the ongoing issue of late account openings, despite our repeated attempts to address this matter. 

The recurring delays in opening accounts not only disrupt our operational efficiency but also adversely affect the trust and satisfaction of our valued customers. Despite our best endeavors to streamline processes and implement corrective measures, it is disheartening to witness the persistence of this issue, which reflects negatively on our organization 's reputation for reliability and customer service excellence. 

I urge you to escalate our engagement and collaborate closely with regulatory authorities to identify the root causes of these delays comprehensively. It is imperative that we take a proactive approach in addressing any systemic deficiencies or bottlenecks that contribute to the recurrent late openings of accounts. 

In conclusion, I urge you to prioritize this matter with the utmost urgency and dedication, recognizing its significant implications for our organization 's reputation and regulatory compliance. I trust that through collaborative efforts and decisive actions, we can finally resolve the issue of late account openings and uphold the highest standards of service excellence and regulatory compliance. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} XXXX XXXX Balance : {$35000.00} XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXX  XXXX Balance : {$430.00} XXXX XXXX  XXXX Balance : {$510.00}.
Product: Credit card or prepaid card

I applied for the Truist XXXX Credit Card due to the 12 months 0 % APR offer for new customers in XXXX XXXX XXXX  and was approved. I soon received the card and setup my online access by following the instructions laid out on the website. I was able to gain access with all my business information present. I start to make some purchases and noticed that the payment due amount is not updating, nor is the due date for the payment. I have credits coming into the account due to refunds, so it appears that the credit is taking of the payment due, based on the language found on the dashboard of my account. Not only is there no payment due, but a negative number is there with the refunds in place. I have business credit cards from XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX  -- all current and no late fees or delinquencies -- and the method that Trusit uses to display what is due was needlessly confusing. But I am going with what they are showing me on the dashboard, so I think nothing of it at the time. 

I receive billing statements in XXXX to my home that is showing me different figures from what the website is showing me. This includes a late fee and a finance charge. I immediately call Truist customer support to get to the bottom of this and after walking them through the website and showing them the discrepancies, they informed me that the webpage I am going to was not the right one. I needed to go to the Admin page to see the " full '' account. How can that be accurate, I asked. The page that I have been going to, has my name, the business name, the last four numbers of my credit card, and the credit line ( not to mention the purchases made so far ). The agent told me that the site is needlessly confusing and the process has not been adequately documented for new customers so that they don't run into this issue. Since I was not the first to complain about this, that they would reverse my late fee. I told them that they truly need to address this issue, but that I am glad the late fee had been reversed. 

My next billing statement arrives and see finance charges again. I call in again in XXXX XXXX XXXX and tell them that my 0 % APR should not be gone due to an error of their own doing. They agreed and said that it would need to go to a business analyst that can make the changes. No reference number was given to me, but I took them at their word. A week went by and no word, I called back and the agent stated that they could not find any work being done on my request, but that they would start this process and get it resolved. I could not take their word for it this time ( especially since they couldn't provide any reference number that they can prove that this is actually being looked into ). I decided to now take this fight to consumer protection agencies and will exhaust every avenue that I have at my disposal as a customer. I have found many stories like mine with this company, and I am in the process of taking this to the local news in my area to get the word out.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved, The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Payday loan, title loan, or personal loan

I have had loans with cash 1 in the past and always paid them off and never had a problem with them. I would always pay my loans on time and in full. A few weeks ago, I talked to cash 1 loans to let them know that I had XXXX recently and had to catch up on hours at work. I let them know that I was behind on my rent and other bills and wanted to lower my payments so that I could catch up on those and still play them. I went into cash one store to cut off my automatic draft out of my bank account on my current loan so that I could stop payments from coming out my bank account automatically. Also, I wanted to see if I could set up a payment plan so that I could pay a lesser payment while I get back on my feet. I have had friends that had similar situations with cash 1 in the past and they were allowed to set up a different payment plan and take off automatic draft. Even a week ago I had a friend that did. Cash one said they can not take of automatic draft and that I could only pay the installment loan full amount an nothing would be allowed. Please do not do business with this company because they will not work with you if something ever happens to you, even though they have done it for other people. I have never had any problems like this before, and am very disappointed in a company that I once had the uptmost trust in. This is not fair treatment. Two weeks ago I canceled my automatic drafts with my bank since I ca n't through cash one and wo n't be able to pay anything since they will not allow me to set up a payment plan for a lesser amount. Friday, I looked at my bank account and noticed they withdrew {$150.00} out of my account even though I called my bank and stopped the automatic drafts. Yesterday, when I called my bank they said that the original time cash one tried to draft the payment it did not go through. So my bank said cash one changed their numbers around to try to draft the money out of my account until it worked. My bank tried to stop it after it started processing but could not. They said it was taken out. I want to take off automatic draft and to make payments in smaller increments and pay it off but I do not know what to believe anymore. Please be aware of this company if something ever happens.
Product: Credit reporting or other personal consumer reports

This are the accounts I marked as inaccurate : XXXX {$4300.00} Acct # : XXXX XX/XX/XXXX {$1400.00} XXXX ( not stating a balance at this time ) XXXX XXXX XXXX XXXX {$960.00} Acct # : XXXX ( same company as XXXX XX/XX/XXXX twice on my report ) XX/XX/XXXX {$560.00} Acct # : XXXXXX/XX/XXXX XX/XX/XXXX{$3300.00} Acct # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent Portfolio Recovery Associates a letter letting them know that the information that was requested of them was invalid and that they needed to stop reporting negative information to my credit reports and the accounts should be closed and removed from my credit reports. Portfolio Recovery Associates did not provide the proper proof for the accounts. They only sent me a print out of a bill, which is not valid proof of verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I sent this information to Portfolio Recovery Associates and they continue to report negative information to my report and did not respond to my letter with the proper information, which is a continued violation of FCRA. Their reporting is a violation and continues to prevent me from moving forward with my life and preventing me from providing a better life for my family. Thank you in advance for all of your help.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES : PURCHASERS OF XXXX 
Original creditor is XXXX XXXXXXXX XXXX. Account sold and resold to Portfolio, who claims ownership to account with the thundering statement of : " The original amount of this account was {$520.00} ''. 

No further clarification as to when or where or what was purchased. Just an existing balance with an incorrect date of last account activity/payment. No XXXX XXXX records custodian signing of on a paper trail of account ownership : just an existing amount - pay. 

Date opened - Date of Status : XX/XX/2017? Was that when XXXX XXXX was used to make the last purchase or when the last payment date was made? no paper trail offered - just an existing balance : pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot different name on my account.

They wrote

my name in so much different way I would like to delate those names and just have on in the correct way. Also the address if you can delate my old addresses and just leave the recent one. Im working on my mortgage house and, Im having some issues whit it because of that
Product: Debt collection

After a detailed review of my latest credit report, I've found several fraudulent accounts that I believe were added without my consent.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 5. Validate prove it with a wet signature this debt belongs to me. This information is inaccurate per FDCPA section 807 violation misleading false reporting Account Number : Please investigate and delete from my credit report. 
6. Validate prove it with a wet signature this debt belongs to me. This information is inaccurate per FDCPA section 807 violation misleading false reporting Account Number : Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Money transfer, virtual currency, or money service

I'm adding my name to the list of thousands of unhappy Venmo customers who've had accounts frozen for no good reason. 
I opened an account so my friends could reimburse me for a hotel stay in Wisconsin, and made several requests. Venmo almost immediately froze the account, with {$240.00} ( the first reimbursement ) in it. 
Venmo says that I did something wrong ( although they won't say what ) and has demanded that I submit a copy of a photo ID, after which they will initiate a " review '' process that could take up to three weeks. I maintain that since all I did was attempt to use their product, their request for additional documentation is unnecessary and intrusive, and that they should fix the security software that " flagged '' my perfectly normal use of the product. 
To date, I have not submitted a copy of my ID, and Venmo refuses to send me my {$240.00}, nor will they return the {$240.00} to the friend who sent it to me. In short, Venmo is using {$240.00} of money that belongs to me, and if, as I understand is the case, thousands of others are in this same situation, that's a nice chunk of change for Venmo to hold on to while they stall around with repeated requests for ID and lengthy reviews. 

It seems axiomatic that inconveniencing customers should not provide an opportunity for arbitrage. ( The last time I checked my account, I noted that even though the account is " frozen, '' I can still make requests for cash. Which, of course, Venmo could continue to hold while they string this thing along. ) Venmo should not be permitted to use monies from frozen accounts to do business or in any way pad their balance sheet or bottom line : rather obviously, there should be no reverse financial incentive for inconveniencing customers or holding their money. 

I hope that CFPB can help me resolve my dispute with Venmo, and I also hope you will take action on making sure that Venmo is not deriving any benefit from monies in these " frozen '' accounts. 

Thank you for your attention.
Product: Debt collection

I am concerned about that email practices used by Halsted Financial/XXXX XXXX. I have received several detailed emails regarding collection activities against one of their other clients ( 10 emails to date ), including declined payments. I am concerned that my information may have been compromised as hers has been.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/24 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for Experian on XXXX. I had the free account but then it offered {$1.00} for 7 days monitoring and you are supposed to be able to cancel within 7 days or you get charged {$24.00}. This happened on XX/XX/XXXX. I cancelled on XX/XX/XXXX. Today I checked my bank account am being charged {$24.00}. I called and they claimed I cancelled the free account which makes absolutely no sense. So they claim I had two accounts which again makes zero sense. They will try to secretly charge you hoping you wo n't notice. How is it possible I suddenly would cancel a " free '' account and not the account that was charged the dollar. They offered the refund but couldnt explain to me why I had two accounts. Beware of this company because they try to pull people in by saying being free but it is a sham. XXXX was the one I spoke to and told me she was a supervisor and there was no one above her and no one else to talk to unless I wanted to write to a XXXX XXXX . She talked over me and had no explanation as to why this happened.