23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I made a purchase with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX in XX/XX/XXXX. I purchased a bed and bedframe that was adjustable. A week after the purchase the justable frame stopped working. I contacted the company they refused to fix it even though the contract said that they would and told me to contact the manufacturer. I told him I refused to pay the debt and less they honored their side of the agreement and that they should come and return the bed and the mattress. They never did. Some time went by and I finally got a call from a XXXX  XXXX. They were told the XXXX the same thing that I would not pay unless they honored their agreement first and then I wanted him to return the product if not. I never heard anything Else from them until XXXX day a letter was put on my door that was not sealed in an envelope just fold it over and it contained my account number my personal information debt information including amounts of food etc. etc. it also included a letter threatening me with police and legal problems. So I contacted the XXXX XXXXXXXX again and told him I wanted it out of my house I have requested them to return it multiple times or to fix it they refused and then I never heard anything else again. I never heard anything until last week I received a civil warrant for general sessions court For a lawsuit. For over XXXX years I had received no contact through the phone, email, Postal Service, or any other means. My phone number has been the same since XXXX. My address has changed but has always been updated with my drivers license and tax information which are accessible by an attorneys office if need be there has been XXXX attempt to collect this debt until I was randomly sued after they refused to uphold their end of the contract. Then when I called the attorneys office to discuss the Civil Warrant I had received I was told that the judge isnt going to care about my XXXX little letter and XXXX you then they hung up on me. I was speaking to XXXX from the law office of Jennifer McCoy. XXXX is in Indiana so Im not sure if she is even able to discuss in TN. So this company was hired to collect a debt, never attempted to collect the debt, waited 5 years, and then sued me and then cussed me and made fun of me while threatening my credit score when I called to discuss. Jennifer J. McCoy law office is a disgrace to the profession.
Product: Debt collection

In XX/XX/2018 I enrolled in a student loan repayment plan with a company called Timemark Solutions. I am a single mom with an XXXX  child and am currently pregnant so am unable to work. I owe a lot in federal student loans and spoke with this company about my issues and need to consolidate the loans. According to my monthly income they said I qualify for a $ XXXX/month payment. I was told I would first have to pay $ XXXX/month for four months for a startup fee and they said my loans would than be consolidated and they are in direct communication with Department of Education . I gave Timemark Solutions my email address and they sent me release forms to sign and fax to them. Also I gave them my XXXX XXXX Debit card info and signed up for automated withdrawls. The next month I received an email from the Department Of Education stating my owed balance is past due and to call. When I called Department Of Education they stated they never heard of this company and that I should not be paying anything at all for consolidating my loans and getting on an income driven repayment plan. They informed me it is a free service and this sounds like a scam company that does paperwork you can easily do yourself. I than completed the steps directly with Department Of Education and successfully consolidated my loans and immediately started on a {$0.00} a month payment. I called XXXX XXXX and was able to cancel automatic withdrawls from this company. It is unfortunate I already payed {$99.00} in the first place. TimeMark Solutions keeps calling an average of once a day and sending texts and emails requesting I contact their office. They threaten that my student loans aare in danger of not being consolidated and say I need to call and make my past due payment. This whole situation has caused me a lot of stress and I feel taken advantage of.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with Equifax?
Product: Credit card

Consistently, I've maintained prompt payments on this account, ensuring they never fall into arrears. The reports of late payment remarks on my accounts perplex me, especially considering compliance with 15 USC 1666b - Billing Error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a change but dispute does not make clear if any changes were made. Clearly the report updates historical data but then does not report change on webpage. Neither payments made to account nor updated account information regarding change in borrowed amount were changed.
Product: Debt collection

on XX/XX/XXXX of 2023 someone opened a credit card with an incorrect town and zip code at a BASS PRO facility. the amount is at {$190.00}
Product: Vehicle loan or lease

Automotive Credit Corp based in XXXX michigan. The finance company is very rude and conduct fraudulent and abrasive and threatening tactics and are unwilling to refinance people to help them keep them in the vehicle. They put customers under duress and undue stigma. They over inflate the monthly payments and actual value of the vehicle. They knowingly do this and expect to repossess 90 % of their customers. They do this to purposefully mess up people 's credit profiles.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charged and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act and XXXX Account # XXXX XXXX XXXX, XXXX original creditor name : XXXX XXXX XXXX For the amount of XXXX. 

Account # XXXX XXXX XXXX XXXX of {$180.00} Has violated my 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 reporting agency can not furnish a account without my written instructions.
Product: Credit card

Hello, My husband and I did a balance transfer to pay off our Home Depot card and we thought we had paid it off but there was a {$68.00} balance. We use to receive paper bills but somehow they stopped so we assumed it was paid in full. I checked my credit report a couple months after because I am in the process of getting pre-approved to buy my own place ( My husband and I are getting divorced ) and could n't understand why my credit score went from XXXX to XXXX and saw that Home Depot has reported us 2 months past due! I was so upset! I called Experian and they let me know only Home Depot could only fix it. We 've been cardholders for over 10 years, and have never been late on payments. 
I called Home Depot they told me we had switched to e-statements to my husbands email address ( he never received them ) which we do n't recall doing. They said I could send a letter of explanation along with my full credit to their dispute department. Only to be rejected 5 weeks later stating that it was true and accurate information that I was late for the the payments. I let them know my husband and I are in the process of going through a divorce and my future depended on my good credit so I am able to buy my own place for my XXXX kids and myself. I am so furious that they wo n't even take into consideration our excellent credit standing with them or the circumstances behind it. How could we pay the {$68.00} balance when we had no idea it was due and they charged us several late fees on top of the small balance. We had paid them {$4400.00} via a balance transfer, what would make them them think we 'd be late on purpose to pay the remaining small amount we owed? 
I am hoping you can please help me get these negative marks off of our credit. It is so disappointing. They also lowered our credit limit from {$5000.00} to {$500.00}. 
I will never use their card again if they do n't adjust the negative marks! They clearly do n't value good customers. 
I 've attached a letter I sent to Home Depot to dispute our account. I am hoping you are able to help me. Thank you in advance for your help. 

Kind Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts was opened fraudulently and not by me. This is a violation of my rights as a consumer. It has been sent to XXXX and Texas State Attorney General for the violations committed. I have not authorized for these alleged accounts to be added to my consumer report. This needs to be addressed as soon as possible.

15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included.

Please note that I am the only natural person writing this statement with the help of no 3rd party. I never gave any consent to report anything on my consumer report. Deleted the fraudulent accounts as soon as possible.Ive attached inside the pdf document the accounts needed attention asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX accounts is inaccurate. This account should be removed. It is closed and reporting inaccurate information. XXXX, XXXX and Equifax fail to remove the account due to it being inaccurate and closed.
Product: Student loan

I XXXX in XXXX and also started working for the XXXX and I was supposed to be in the forgiveness program. called again back in XXXX and was told after all the money ive given them even though I was supposed to be in the forgiveness program they never had me in it and after 10 years my loans would be paid off by me paying them! 
I work for the XXXX and my loans should have been forgiven after the appropriate years.
Product: Credit reporting or other personal consumer reports

I've mail a letterXX/XX/XXXX asking to about out per FCRA federally protected rights but, the item is still on my credit report. Also, this item is a charge off and is considered a certificate of indebtedness which means it is income and must be removed.
Product: Debt collection

I received a collection alert on my credit report. I.C. SYSTEM, INC has flagged my account as Collections on XX/XX/XXXX. They are attempting to collect {$1600.00} for XXXX XXXX XXXX. My account was closed in XXXX of XXXX  when the home I was living in was seized by the XXXX XXXX XXXX as a foreclosure. I provided XXXXXXXX XXXX XXXX the letter from the Sheriff 's office stating as such in person at a local office. I also faxed it to the XXXX XXXX XXXX collection department as instructed by an agent when I called a few months later. I believed the matter to be closed and have not heard from XXXXXXXX XXXX XXXX since I called them in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

my dispute, the application doesn't show my social security number. the application shows another persons social security number. according to the fcra which is being violated, I am requesting removing and compensation. I was denied for housing due to this fraud account being on my report, even after I disputed this account multiple times. this is the original application from XXXX XXXX that support my dispute for removal and compensation.
Product: Debt collection

I have never once received a bill from XXXX XXXX XXXX XXXX XXXX. I was unaware of this bill and do n't believe that it is mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported an overdue unpaid balance on XXXX XXXX, XXXX  for {$410.00}. The actual bill for this balance stated balance due XXXX XXXX, XXXX. The bill was paid on XX/XX/year>. Payment was not late and payment in full was made weeks before it was due. Yet, XXXX reported it as overdue. A valid dispute to Experian resulted in the same old decision, " sorry, it remains. '' The actual facts do not support that decision. It is effecting my credit score and it should not. I do not have any reports of unpaid bills. I have no actual recourse against XXXX or Experian because whatever XXXX states, Experian agrees. I was not involved in the so called " investigation. '' The right to dispute is nothing more than an exercise in futility.
Product: Money transfer, virtual currency, or money service

I was scammed by a PayPal user with this email XXXXXXXXXXXX He was meant to send me something in return. I made a mistake by sending the money as goods and services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List ofaccounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # 's XXXX, XXXX, XXXX has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item ofinformation, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reportingagency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 losses, in results I seek appropriate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX are reporting 3 charge offs on my credit report from XXXX XXXX. However, the account was paid in full to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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, 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 reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a 1099 from One Main concerning a debt from 2002, ( 18 years ago ) XX/XX/2002 for {$14000.00}, which they indicated on a 1099. I filed a complaint with the Minnesota Attorney General, they stated they will look into it but referred me to the www.occ.gov. The company is One Main Mortgage Services, Inc. XXXX XXXX XXXX XXXX, XXXX, IN XXXX, XXXX ( At the bottom of the 1099 it says XXXX SCR XXXX, DOL XX/XX/2002, XXXX XXXX, CREDITORS TIN XXXX. I have not taken out any mortgages through this company.
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. Furthemore, 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 card or prepaid card

On XX/XX/2020 I received a US Bank Reliacard Debit card that I never applied for. The card was issued to me in conjunction with an unemployment compensation claim which is fraudulent and that I never applied for.
Product: Credit card

For no reason at all after using my card 2 times it was declined.i called and had to undergo about 7 different security measures along with my secret word which all were correct i gave my phone number which is in my name gave my work number which they called and validated said it would work only to later on say oops i guess it wont work, i gave my other credit card numbers and bank account numbers only to be told i have to wait a week for some mail to come. this is rediculous and i think they do this just so your niot able to claim the bonus.
Product: Checking or savings account

I am having problems with Identity Theft and someone fraudulently opened the account in my name. This bank does not have a phone number to call so I have been emailing them with no luck in them helping me. I keep getting the same automated responses back and just want to talk to someone about it. This whole thing has been extremely frustrating and now this bank doesn't seem to care if they help me or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has verified that these alledged accounts are accurate. I have repeatedly asked for the method of verification and demonstrate that these accounts are METRO 2 Compliant
Product: Debt collection

I received a collection notice for the astronomical amount of {$3200.00} in insurance case where I was the victim from XXXX XXXX insurance and ANFI. I have filed a complaint with the state insurance office who regulates XXXX XXXX insurance and have a bill from XXXX XXXX and the car company thats says I owe XXXX.
Product: Credit card

I got a notification that a Capitol one credit card with a XXXX limit was opened under my name. This notification was from XXXX XXXX on XX/XX/XXXX. I filed a dispute with XXXX and XXXX.
Product: Debt collection

I received several bills in the mail regarding a XXXX late charge owed to sprint. XXXX was paid in full by my past bank XXXX in which I never authorized a final payment any how so not to sure why XXXX submitted a request for payment to my financial institution. When this all begin I attempted to pay in payments with XXXX was denied the option to do so. I then saw a submission to my bank at the time for 2134 I believe was the exact amount. I disputed with my bank advising I was not on auto pay with XXXX and has not given authorization for the final bill to come out of my bank account. XXXX attempted many times on different dates until XXXX allowed the payment to go through. XXXX placed me in debt stating that they authorized the payment as a courtesy, putting a client in debt for a non authorized charge isn't a courtesy. I called sprint and asked why was a XXXX late fee charged after they received the full payment from XXXX the online chat teammate advised they will waive the fee. Months and a year later im now getting harassed by a third party call afni which XXXX hired to collect on a XXXX late charge that should have not been on there. I need assistance with getting this matter resolved and of my credit. XXXX made a fraudulent action against me and it was not the way to treat a customer. When attempting to get the matter resolved I experienced long holds and hang ups.
Product: Debt collection

Amerifinancial Solutions ( Original Creditor WakeMed Physicians ) I've tried to call XXXX XXXX XXXX for the first year I received the debt. They billed it incorrectly despite me telling them at the hospital that XXXX XXXX XXXX XXXX was my primary insurance. Instead they billed Medicare has primary instead of secondary. I attempted to call numerous times to resolve but could never get through. Once I found it on my credit, I called Amerifinancial 3 times, each hold time was over 23 minutes. They said they would resubmit to XXXX XXXX but its still on my credit. 

Finally I tried to dispute it with XXXX, XXXX and XXXX   providing a copy of both insurance cards to prove that I don't owe the debt, that I have insurance that covers it 100 %, that I attempted to resolve with the original creditor and collection agency and for them take it off my credit. XXXX stated that the dispute was resolve within 2 days and that I owe the debt. Not sure how they were able to verify and come to this conclusion with the insurance cards in that short amount of time. They didn't even have time to send to the creditor to submit correctly to the insurance company. 

I have a XXXX XXXX XXXX with XXXX XXXX XXXX. It is very hard for me to keep calling and sending messages for a debt that I don't owe. This has been going on for over a year and a half. All they have to do is submit the bill to the insurance company and they will pay. I've already contacted both insurance companies and they were the ones who stated that XXXX XXXX submitted incorrectly and that's why they rejected the claim.
Product: Debt collection

This debt is not my debt I was subjected to XXXX XXXX not responsible for any transactions concerning this matter.
Product: Credit reporting or other personal consumer reports

XXXX sent me a letter on XX/XX/23 stating they sent it to Department of Educ/AIDVANTAGE in regards to all my loans should be discharged due to XXXX deemed me XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) all balances of loans hold be forgiven. They have duplicate of my loans on my credit report as well.