23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have repeatedly been contacted and verbally harassed by impact receivables in regards to an account that my husband paid off. The collection agency XXXX XXXX was paid by my husband and a new collection agency has repeatedly contacted me after I filed a dispute with XXXX XXXX and told the collection agency that this debt was paid. The representative that talked to me in a disparaging manner was named XXXX XXXX. We sent information to her place of employment National Credit Systems that XXXX XXXX was paid the debt that was owed to XXXX XXXX. I would like for Ms. XXXX to be reprimanded for her grotesque behavior when handling this case for me.
Product: Checking or savings account

Robinhood markets inc. restricted my account on XXXX and after several attempts to get someone on the line it appears they are holding all my funds in the account with no success to withdraw
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 AND CONFIDENTIUALITY UNDER XXXX XXXX XXXX. 



ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 

XXXX XXXX. XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX XXXX. XXXX SECTION XXXX A SECTION XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX. XXXX. ( a ) ( XXXX ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN XXXX YEARS. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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 BELEIVE THAT THE INFORMATION IS INACCURATE.
Product: Debt collection

I do not owe this company, and I don't have an account with them for the dollar amounts of {$1100.00}, {$730.00}, {$470.00}, {$1100.00} XXXX attached the debt validation letter to my complaint asking for proof of debt/s
Product: Debt collection

MIDLAND FUNDING LLC keeps reporting a debt to my XXXX credit report that is a very inflated amount. THey have harassed me with phone calls to my home phone when I had one and have even called my cell phone. I have spoken with them several times and asked how much they have purchased the debt for but they will not give me an answer. The supposed debt was from 2012 Nd was reported as {$3700.00} as of today it is {$6100.00} and showing as a recently opened account. XXXX removed this debt and I have an open dispute with XXXX but I am still getting letters offering a " payment '' plan. I have read many comments and stories online about MIDLAND FUNDING LLC or Midland Credit Management ( same company ). It should be against the law to first almost double a supposed debt owed and then keep reporting it to a bureau as if I had just opened it in the last 30/60/90 days. I consider this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/18 at XXXX I tried to get my credit scores from XXXX XXXX and equifax. 
XXXX XXXX link directed me several " security questions '' and after that to a pay website where I need to give my credit card to get the score. I declined. 
equifax website link directed me several security questions that were vague and used wording like bank card instead of credit card to mislead. After that step the website just prompted that they can not give me the score online and that I can only do it via regular mail, where I need to fill out an attached form along with the Social Security card Pay stub with Social Security number, W2 Form, Driver 's License, Rental or lease agreement/house deed, Pay stub with address, Utility bill ( gas, electric, water, cable, residential telephone bills ). 

it looks like these companies go to great lengths to get money from the customers that need their own credit score.
Product: Credit card or prepaid card

On XX/XX/XXXX I requested a credit limit increase online with my XXXX credit card. After my online request I called the XXXX number and spoke to a representative. I asked why they needed to review my account and the limit increase would take 7-10 days, she informed me that she did n't know. I told her that if I was n't going to get an increase there was no point in keeping the card open. The representative asked me if I wanted her to close the account. I told her if I did n't get the increase then yes. She then told me again that she did n't have that information and asked if I wanted to wait to close the account until I got the letter in the mail and I said yes. She then restated, so you do n't want me to close the account, and I said no I am going to wait for the letter. On XX/XX/XXXX I got an alert from my credit monitoring company that told me the account was closed. I immediately called and spoke to a supervisor who told me that the rep I spoke to on XX/XX/XXXX closed my account and in her notes it said I requested the account to be closed. He stated that he could dispute it and that they would review the phone call to prove I did n't close the account and reopen it. I called back on XX/XX/XXXX to check the status of the dispute. I was told that they could not pull the call and reopen my card that the first supervisor was wrong and suggested I reapply. I informed them that I did n't want an inquiry on my credit report nor did I want to lose the 2 1/2 year history I had with my account. The supervisor told me oh well there 's nothing else he can do.
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 seek appropriate redress for these violations.
Product: Debt collection

I went to do a XXXX XXXX around XXXX or XXXX  years ago. I had insurance when I went. I was charged a fee for the consultation. Then I was charged a fee for seeing a medical professional about the problem. Then I was charged a fee for a XXXX XXXX Charged a fee for someone to read the XXXX XXXX. Then charged again to have someone explain the fee to me. When does it end? I paid collections of {$510.00} to a collector for the debt listed below. 
XXXX XXXX XXXX XXXX XXXX Now I'm told I owe {$360.00} to a different debt collector COLLECTION SERVICE CENTE For the same type of services allegedly. This when comes from a neurology center in XXXX, WV. I have never been to a neurology center in XXXX, WV. I used to live in XXXX, WV and now I have lived in XXXX for over 2 years. I can't get in touch with the debt collector because I have no information except the neurology center I have never visited. I need help figuring this out. How many times am I going to pay the same related group of people for something some of them may have not had any involvement in. 


XXXX XXXX XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXXXXXX XXXX, WV XXXX Is committing fraud for services that were never agreed to and possibly never rendered.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX : XXXX XXXX
Product: Mortgage

Financial Fraud, Banking Fraud, Conversion of Real Estate, Due Process, Illegal Foreclosure by Ocwen Loan Service guised nonexistent entity who subject consent judgment CFPB Case XXXX ( XXXX  ) with XXXX XXXX  XXXX XXXX Counsels are accomplice to outright fraud on homeowners and Court with also perjury submitting a fraudulent Affidavit of Fraudulent Recording presentation for nonexistent entities of fabricated title further misleading The Court. The bottom line is that this fraud causes Victim to be intentional evicted fraud from his house.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, DPT EDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( XXXX, DPT EDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports :
Product: Credit card or prepaid card

Capital One Credit Card " restricted '' my card for possible fraudulent purchases. Called to verify the restricted charges and was told that it could not be re-opened. That a fraud report would need to be filed and new card issued even though there was NO FRAUD. The company would not be able to re-open my account so I can continue to make purchases. I explained that I had automatic payments assigned to the card and that it would be a major inconvenience when there was no issues or attempted fraud. Also I would need to wait for my new cards 6 business days or pay approximately XXXX dollars for EXPEDITED delivery. This is ridiculous and reeks of bad service for a exemplary customer with no late payments and stayed with in credit limit for over 15 years. I am severely disappointed, angry, and frustrated with Capital One. I will need to review whether I stay with Capital One. If I am able to find a lower percentage rate, I may consider moving my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove : 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 Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX Ive already included this in my previous Complaint # & I am including it again.,
Product: Checking or savings account

I have attempted numerous times to open an online account with TD Bank via their specific link to a special offer allowing me to earn {$300.00} when I set up direct deposit after opening a TD Premier Checking account. I continually get a message stating " your identity could not be verified in the public record ''. It is not asking me detailed information. It is only asking my name, SSN, DOB, DL info, address, and source of my income ( I am a 27 year veteran and former XXXX XXXX ). They state they have no other means to verify my identity and since this account must be opened online in order to take advantage of this promotion, there is nothing they can do because " the computers won't allow it ''. Now I am on a " junk '' email list from TD Bank which emails me reminders that I did not complete my online application. My last attempt to open an account and speak to CSR was on XX/XX/2018 from XXXX-XXXX EST.
Product: Credit reporting or other personal consumer reports

I am responding to the recent investigation findings, expressing my disagreement and emphasizing the importance of complete accuracy. I am dissatisfied with the extent of efforts made to contact the creditors responsible for reporting the information on my credit report. Consequently, I am requesting further information regarding these specific items categorized by bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$11000.00}. I am requesting the removal of all late marks associated with these accounts, asserting that I have consistently made timely payments. Furthermore, I urge you to conduct a thorough reinvestigation into the payment history of these accounts to verify my assertions, as I am confident in their accuracy. Please ensure that the payment history is updated accurately. As previously stated under the provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I am requesting a reinvestigation and update of these disputed items. Kindly provide me with the names and addresses of the individuals contacted. You are allotted thirty ( 30 ) days from receipt of this letter to complete these actions, unless notified otherwise in accordance with 15 U.S.C. Section 1681i ( 5 ) ( A ). It should be understood that failure to verify within this timeframe constitutes non-verification, requiring prompt updating according to Section 1681i ( a ).
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 Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

Someone named XXXX XXXX calling from XXXX has called me and family members. This person is very aggressive in tone. He has left threatening messages. I have no idea why this person is calling me, and more importantly he and this company are not following the Fair Debt Collection Practices Act. The first couple of times he called he did not leave identifiable company information. He calls after hours, and he calls family members, and friends. I have tried repeatedly to contact this individual/company, and I only reach an unidentifiable voice mail box. The number they call from and leave for me to call back is XXXX XXXX.
Product: Debt collection

Called XX/XX/XXXX ( Portfolio Recovery Associates ) to inquire about an account and amount reflected on my credit report. Representative said she would transfer the correct department. Transferred Representative stated that he was in the " Litigation Department. '' Confirmed account information, and stated that " my account has NOT been reviewed by an attorney. '' Then asked whether I was calling to make a payment. I asked him, what do you mean " it has NOT been reviewed by an attorney. '' Then representative stated - " I apologize in advance, the account has been reviewed by an attorney. '' I asked him to provide me with the attorney 's name. The representative declined. After I asked to speak with supervisor, he restated the same information, and warned me that the case has been filed in XXXX, GA. I asked by whom. He again refused to disclose name. Transferred me to supervisor, and supervisor explained more misinformation and finally provided XXXX names of attorney 's along with their state bar license numbers. 

I never had any contractual obligation with Portfolio Recovery Associates, and I believe that this company is making representations that I have in fact had a prior relationship with them ( " last time you paid on the account was XXXX '' ). However, the company purchased my information XX/XX/XXXX, and attempting to blemish my reputation and file erroneous information to courts of law. I believe Portfolio Recovery Associates to be in violation of the Due Process Clause of the 14th Amendment to the United States Constitution, Fair Debt Collection Practices Act, and Unfair, Deceptive and Abusive Acts/Practices ( Dodd-Frank Act ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe someone or some people may have and or are using my social security number. I know this because times I would use my sss I was told my identity did match with what they had on screen this was at XXXX on several occasions. Also the last time I was able to review my credit it was bad which is wrong because I never used credit at all. So I would appreciate it I could get some help on dealing with this I know it has been long over do but I need to deal with this as soon as possible.
Product: Debt collection

I have request PROOF OF CONTRACT to substantiate a claim that I owed the amount {$3300.00}. to XXXX XXXX XXXX. The Transunion nor the collection agency provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specically Naming XXXX XXXX XXXX as an entity entitled to enforce a commercial claim against me. The Reporting Agency send me on XX/XX/XXXX and updated account Investigation Results as Verified as accurate. But their answer is just a computer generated document with a copy signature that is not mine. They failure to Validate the account and to send me a notarized document that will demonstrate that the " investigation '' was conducted properly. 
The same happen with a XXXX case charging me with a {$580.00} as of XX/XX/XXXX. Moreover, they have reporting in my credit report a XXXX XXXX XXXX, for the amount of {$8600.00} in this case I filed a dispute letter that the collection agency fail to informed me about why they failure to follow New Jersey repossessing Law, and failure to Validate the account
Product: Mortgage

I purchased a property in  XXXX   XXXX , CT and while I was in the mix of my repairs,  XXXX   XXXX  contracted  XXXX   XXXX  to preserve the property.  XXXX   XXXX  changed the locks and in the process caused significant damage. I contacted  XXXX   XXXX  about the damages and they agreed to repair the damages, however after I submitted my invoices they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld Systems Inc is reporting a fraud account on my credit. I didnt open this account nor did I authorize anyone to do so on my behalf. Please see the attached FTC report and my driver license and plwase remove this account from my credit.
Product: Money transfer, virtual currency, or money service

My history includes Pay Pal in the past with Pay Pal Credit, which were all cancelled when XXXX stopped taking Pay Pal. Additionally, I switched my email in XX/XX/XXXX. I won a small auction that offered Pay Pal as a payment processor. Even though I wanted to use Pay Pal as a " guest '', they asked for all of my personal information first on page one. On page two, they had a saved credit card that was compromised and closed by my bank. I clicked the next button down to use a different credit card, but it was declined and I was asked to use a different credit card. I know that my credit card is good, so I tried it again and it was again declined. At that point, I saw that there is a very tiny button at the bottom of page XXXX to pay as a guest. Pay as a guest should have been at the top of page one, not on the bottom of page 2. Anyhow, the charge went through and a receipt popped up that an email was sent to my old email that was shut down over 2 years ago, so I never received it. I have a screenshot of that receipt with the receipt number. Today, XX/XX/XXXX, I got an email, " Welcome to Pay Pal ''. I never signed up with Pay Pal and never created a password. I spent over XXXX hours on the phone today with Pay Pal. The first XXXX representative told me that they could not find my old email or any saved credit cards in their system. I also complained to representative 2 that Pay Pal made an account for me even though I never signed up for one. Representative XXXX closed that account, which I got an email for. I then kept asking about the compromised credit card on their system and stressed that it had to be somewhere in their system. At that point, I asked for a supervisor. The supervisor found another older account, after asking for the last XXXX digits of my SSN. He stated that I still had an account open with my old email and stated that he closed it. I asked for a confirmation letter that it was closed and he indicated that he couldn't do that and an email would be sent to the email that was shut down over 2 years ago, so no proof of closure. I then questioned him further about Pay Pal having my compromised credit card on their system and his answer was that I would have to monitor that to see if it gets deleted after my account deletion occurs. Pay Pal is very sloppy with how they handle personal and financial information and needs to be investigated. I am currently on the Dark Web, so have learned that sloppy record keeping is how information gets leaked.