23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted Plaza Services LLC XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX on XX/XX/XXXX. We made a settlement agreement in the amount of {$3800.00} regarding a debt in the amount of {$6800.00} with the original creditor being XXXX XXXX. 

I made the {$3800.00} payment on XX/XX/XXXX with my XXXX XXXX   debit card ending in XXXX. I was told that the debt would show a status of settled for less than original amount and the account balance would be {$0.00} after Plaza Services ' next credit reporting cycle. 

I checked my credit report today, XX/XX/XXXX. Plaza Services reported on XX/XX/XXXX reflected my payment of {$3800.00} showing that I still owe 45 % of the original debt. 

I called Plaza to discuss why it does not reflect a XXXX balance on my credit report. The manager that I spoke with was very rude and lied to me stating that they had not reported my payment as of today 's date. 

I tried to explain that I was looking at the report while speaking with her. I asked why she was rude every time I spoke with her while trying to resolve a debt. Her response was that I was simply not getting the answers I wanted to hear. When I tried to explain that she did not answer my question she said " OH MY XXXX ''. I informed her that my calls were recorded and she hung up on me. 

I resolved multiple debts with other creditors the same day as Plaza services. I was never spoken to or treated negatively by any other creditor the way that I was by Plaza services. 

I have documentation of payment in the amount of {$3800.00} as well as proof that they did report on XX/XX/XXXX and that they did not honor the settlement agreement. I also have all calls recorded of communication with Plaza services. 

I am also filing a complaint with the FTC regarding FDCPA violations. I will forward the complaint number when I complete the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'am a victim of identity theft. This account doesn't belong to me. I never heard of this company or done any business with them. Someone is using my credit to purchase items fraudulently. I was alerted by Experian someone was trying to apply for a credit card in my name. I have attached my FTC report items that are fraudulent. I demand immediate removal.
Product: Student loan

On the last call, XX/XX/2022 they provided me with different information and different eta. 
They need more staffing to handle the influx of requests. 

Servicer : Ed Financial Date Request Made : XX/XX/2022 Date Balance Restored with Servicer : Not yet
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts : - 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 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
Product: Credit card

In XX/XX/year> I applied for a XXXX XXXX XXXX credit card that had a rewards program where, if I spend {$5000.00} within first XXXX months, I will receive XXXX Avios points with XXXX XXXX After spending more than {$5000.00} within the first XXXX months, and the statements showing that I received the points, my account with XXXX XXXX showed XXXX points. Calling both, XXXX and XXXX, I understood that XXXX created an account in my name ( without informing me ), while I created XXXX myself, so now I have XXXX separate accounts, XXXX didn't know which account is my account to credit, but neither company contacted me to let me know. After almost XXXX calls with both companies, XXXX confirmed that they merged both accounts and to call XXXX to let them know which account to transfer the points. XXXX also said, that once XXXX releases their latest statement, I should be good and receive the points. That never happened still, so, again I am contacting both companies. It is so unbelievable frustrating.
Product: Credit card

We received a Target Red Card credit in the mail on XX/XX/XXXX that we didn't apply for- showing my name and sent to our home address. Today, XX/XX/XXXX we received a bill in the mail for purchases we did not make on XX/XX/XXXX to a Target store in XXXX for total of {$480.00}. I haven't contacted Target yet, but plan to call and open a fraud claim with them tomorrow.
Product: Credit reporting or other personal consumer reports

Dear Sirs : I am not liable for this debt with CREDIT COLLECTION SERV I do not have any type of contract with CREDIT COLLECTION SERV they have not provided me with a contract with them.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices which violated the Consumer Financial Protection Act ( CFPA ). Cash App did not take appropriate measures to prevent and address fraud on their platform. Their dispute resolution process was unfair and deceptive.
Product: Credit card or prepaid card

On XX/XX/2023, I logged into my Chase account ( I have been a Chase Freedom credit card holder for nearly 20 years ). I saw a banner that said I had been " pre-approved '' for the Chase Sapphire Preferred card. I decided to click on that, and Chase, already having all the info it needs about me, only asked for me to update my annual income ( I listed around 300K ). My credit score is well above 700. Despite the unambiguous statement that I was already preapproved for the card, I was not. My credit card application needs up to several weeks of further review. Had I known that, I would not have applied, I would not have consented to a hard pull. I contacted Chase to complain about the misleading advertising and I was told, essentially, too bad. They also would not let me cancel my application.
Product: Mortgage

Our loan was handled by XXXX XXXX from Independence Home Loans  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX. This is the same place that we are told the monthly payments should be sent. We have not been sent any new address or payment books. Have called his number, his assistant, and the office phone and no one has yet to return our calls. To send {$1900.00} to an address and don't know if its legit is crazy to me. This company really does stuff crazy but I'll give them the benefit of the doubt because they took a chance on us but we would like for them to give us a call and tell us where to send our payment.
Product: Mortgage

From To Date Summary Response XXXX Web Contact Us XX/XX/XXXX at XXXX EST   I received XX/XX/2020tax statement and requested for clarification on whether I have to pay this or new rez will pay. County Tax bills are sent as courtesy to me. New rez will pay. No further actin needed. 
Phone call to Customer Care XX/XX/XXXX at XXXX EST  Reg Tax payment not done Rep told me it is not done and send us a copy of bills. Which is totally opposite to what was told in email to me earlier i.e. no need to send any bills to new rez. 
XXXX XXXX XX/XX/XXXX at XXXX EST Requested clarification on tax payments not done. Attached copy of bills as courtesy No Response XXXX '' XXXX, XXXX '' XX/XX/XXXX at XXXX EST Sought clarification on tax amount paid & requested statement. Response not clear & New rez said no mistake on their end. 
XXXX Consumer Financial Protection Bureau XX/XX/XXXX at XXXX EST Complaint raised reg non payment of taxes from Escrow XXXX XXXX responded on XX/XX/XXXX with a letter stating " Taxes are current ''. 
XXXX '' XXXX, XXXX '' XX/XX/XXXX at XXXX EST Overdue Notice Received, attached copy of overdue bill XXXX XXXX XX/XX/XXXX at XXXX EST  Received a letter stating nothing is showing as overdue and all taxes are paid. 
XXXX XXXX XX/XX/XXXX at XXXX EST Requested XXXX to investigate and attached copy of bills still showing as not paid XXXX XXXX XX/XX/XXXX at XXXX EST  After a phone call to customer service, escalated to supervisor XXXX via email After the above mentioned chain of communication, new rez sent me a letter via secure email stating that they had paid 2 of my 3 pending bills on XX/XX/XXXX. And there is no error at their end since they are not responsible for paying interim & supplemental tax from escrow. 
If that was the case, new rez should have told me during my first contact that I need to look out for these interim and supplemental bills. After number of emails, complaints, phone calls, XX/XX/XXXX is the first time they mentioned that I am responsible to pay interim and supplemental bills.
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. 

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 XX/XX/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: Credit card or prepaid card

Synchrony sent me an offer for a Mastercard with {$100.00} cash back offer if {$1000.00} was spent in first 3 months. I applied for card. 
In XX/XX/, I received card ( which was attached to document reiterating said {$100.00} offer ) and fulfilled Credit card offer of {$100.00} cash back when I spent required {$1000.00} by XXXX, but have not received the {$100.00}. Have called Synchrony Mastercard numerous (! ) times beginning last XXXX. Am told either that 1 - I am eligible, but it will take 2-3 more billing cycles to receive the cash back offer, or 2 - no such offer ever existed, or 3 - that offer existed but I am not eligible for said offer, or 4 - that there is no notation in my file about said offer, or 5 - that I must mail proof that this offer ever existed and proof that I am eligible. If the last one, I was told it will take at least 1-2 billing cycles for them to review and then IF they decide I am right, it will take an additional 2-3 months to get the {$100.00}. 

If I get any response, it is a request for additional information ( which they already have ).
Product: Credit card or prepaid card

See attached complaint to the Office of Comptroller of Currency. I was referred here. 
All address information is on the attached form. A charge was made by XXXX to my CitiCard for a service that I cancelled. See attached picture of my computer dated today showing my XXXX subscription is cancelled. I disputed the charge to CitiBank, they responded by saying XXXX did not cancel my service and I need to show an email from XXXX saying I cancelled. XXXX provided no such email, but they obviously cancelled my service as evident by the screenshot I've attached. Anyway CitiCard refuses to remove the charge from my account unless I can provide an email from XXXX, who will not give me one. XXXX also said they renewed my subscription, while the attached screen shot of my computer proves they did not.
Product: Money transfer, virtual currency, or money service

I have been trying get my money from cash app since first part of XXXX and still haven't received my money I have called chatted everything can't get help from them please help get my money I'm homeless and have almost froze to death were if I could get my money I could've rented motel room if nothing else
Product: Prepaid card

My XXXX XXXX XXXX mother buys gift cards for our family at XXXX, all must be registered through prepaidgiftbalance.com before they can be used. 
When I went to activate the cards on line an error is reflected. I then tried to get help on line. The company for assistance on line makes customers provide the below information : XXXX barcode on the back of the card, the XXXX card number and XXXX security code ; Front and back photo of gift card ; Receipt of gift card purchase ; Valid Photo Identification ; Cardholder name ; Cardholder address. 
We wanted to use the cards that day so I called the number provided on the website, XXXX. The customer representative told me the cards had been locked out and to XXXX my Social Security XXXX and ID to them with a picture of the card. 
We now have XXXX gift cards in the amounts of {$50.00}, {$100.00}, {$150.00} and an unknown amount that an XXXX XXXX XXXX spent her limited income on that are worthless! Disgusting! 
All cards purchased at XXXX 's, XXXX XXXX, XXXX CA.
Product: Debt collection

I have lived at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for this year and never received a letter to my home address. 

I went back to the old address in XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and checked to see if the debt notification mail was sent there and it was not. I received mail dating back to XX/XX/2022 but none from Fair and O collections.

With those being my only two address I do not think Fair and O Collections did their due diligence in notifying me of the debt or showed me any proof that it was legitimate before reporting me to the bureaus. 

With that said, I think that is unfair and against The Fair Debt Collection Practices Act. I would like them to show proof ( mail receipt and proof of delivery ) that they tried to contact me and provide me proper notice of this debt.
Product: Credit reporting or other personal consumer reports

I have read their correspondence regarding my filed CFPB complaints back in XX/XX/2024. 

XXXX stated that these account were verified on their end but ; 1. XXXX XXXX XXXX- Account # : XXXXPaid-off account & must be updated to current status! 
XXXX. XXXX XXXX  - Account # : XXXX XXXXInaccurate Report! NO longer reporting to XXXX. 

XXXX stated that the account below is NOT currently reporting on the XXXX credit file, however, Im still seeing that this account is being reported on my XXXX credit file as per XXXX XXXX latest and updated credit report. 
XXXX. XXXX XXXX  - Account # : XXXX - Inaccurate Report! 

Lastly, Experian stated that these account were verified on their end but ; XXXX. XXXX XXXX XXXX - Account # : XXXX -NO longer reporting to XXXX & XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX XXXXInaccurate Report! NO longer reporting to XXXX I would like to inquire about the method they employ to verify and validate the authenticity of the above-stated accounts? Why are some categories or information provided on my credit report still different from other credit bureaus? How did they conduct their investigation to ensure applicable and fair results? I still do not observe complete accuracy in their verification method.

According to Congress, if an account displays inaccurate details and the consumer disputes it, requests an investigation, and, following the investigation, the same inaccurate information persists in your furnished reports, then the disputed accounts should be subject to removal. 

The significant question here is, why do the same inaccuracies appear concurrently in both of their previous and recent credit reports? Shouldn't all credit bureaus be reporting and obtaining the same information from a single furnisher? 

I need clarification on this matter and I insist that the above-mentioned inaccurate accounts MUST be completely removed from my credit report.
Product: Debt collection

I contacted the company because I do not have any account or contract of any kind. I requested any document or contract, even in writing, but I did not get a response.
Product: Debt collection

Truist Bank is attempting to collect bank maintenance fees owed on a personal savings account that was closed with SunTrust Bank 3+ years prior to its rebranding. To my knowledge, this account was opened with Truist without my permission and began to accrue maintenance fees until its overdraft. I am now being threatened with collections if these charges are not remitted.
Product: Credit card

I scheduled my payment to be taken out on the due date. They failed to take it out and charged me a late fee. I noticed that the funds were not taken out of my account so I called them to make a payment. They refused to reverse the late fee. Their staff is in XXXX and are completely incompetent. They told me several times there wasn't a late fee, but then my balance checks out and they added one then refused to take it off. They sent me an email after I requested to take it off, saying I was denied.
Product: Debt collection

This letter is in response to phone calls I've been receiving from JEFFERSON CAPITAL SYSTEM. As is my right under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that this company immediately cease and desist all communication with me and my friends or members of my family immediately. 
Any further contact by this company other than a letter stating that you received this letter or one stating what specific purchase agreement or contract that Ive signed justifying the alleged debt will be a violation of my rights according to the FDCPA, and I will file a complaint with the Attorney General 's office.
Product: Mortgage

XX/XX/XXXX Re : Chase Mortgage Complaint To Whom It May Concern : My name is XXXX XXXX, I have had a mortgage on my property at XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX since XXXX from JP Morgan Chase. Loan Mortgage # XXXX. I believe that they have been charging me for insurance that I have never needed since its inception in XXXX. I have carried my own separate homeowners policy, but they appeared to have been clandestinely billing me {$100.00} every six months for an additional {$350000.00} worth of coverage that was not needed. I can provide all of the billing statements and the inception of the mortgage if required, but JP Morgan Chase has been unresponsive and unhelpful to working with me on this or providing any transparency at all. 

I have included my most recent homeowners policy, can you please tell me what my options for recourse are? JP Morgan Chase is one of the worst banks in the country, although it is large, it provides zero transparency, and all of their customer service is outsourced to vary dark corners of the world where people barely speak English, this bank needs to improve its practices, as we all know, many consumer banks are providing absolutely terrible service, and a disservice to the American people. I would very much appreciate your assistance in resolving this matter. 

Absolute Kindest and Warmest Regards, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 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
Product: Credit card

I settled with AMEX and their debt collector on XX/XX/year> for {$2800.00}, and paid {$1500.00} towards the balance and agreed to monthly payments of $ XXXX month from XXXX. Amex debited the {$1500.00} from my account and never followed through with any of the other debits. 

On XX/XX/XXXX I got a call from XXXX XXXX XXXX asking for the full amount of my debt and claiming they had no knowledge of my settlement agreement from the day before. I told them to call AMEX and get the settlement agreement from them. I called AMEX and told them to send the info to Radius and I thought I was done. But no. I have been following up on their harassing calls for months, I have opened an " investigation '' with AMEX, and I have gotten no where. I have sent a copy of the settlement offer that AMEX gave me on XX/XX/XXXX, and still got no reply. 

I am deaf  so I have repeatedly asked to get written responses to my emails to Radius and AMEX, because talking on the phone is difficult for me, and I don't always understand the terms. This is called asking for a reasonable accommodation for my XXXX and is required by law under the ADA, the American 's with Disabilities Act. But so far, all of my emails have gone unanswered. 

I am at their mercy. I can't force them to take the payments out of my account and now I'm afraid they are going to either run out the clock and force me out of the settlement, or take out XXXX lump sum when my account is low, and cause me to be XXXX XXXX  They have ignored all of my emails and calls and I've made over XXXX of them and have wasted hundreds of hours trying to settle this. In addition, they have disrespected my request for an accommodation for my XXXX.