23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I own a home in XXXX XXXX in which I had tenants in. In XXXX of XXXX the tenants asked if they could park their RV on the side of the house. The HOA said yes they could. Then the HOA later said they mis informed us and the RV need be removed. They tried to fine us and we disputed the fine. The HOA dismissed ALL THE FINES. However, HOA COLLECTIONS LLC, is still trying to collect {$510.00} for the " paperwork '' that they did. Hoa Collections LLC first billed us for {$150.00} and now it is {$510.00}. XXXX at HOA collections LLC, who has emailed me, has made false allegations. When she first billed us about our RV fine, I wrote a dispute that she said she would put in front of the board. She then came back and said the board denied my dispute. Well, my husband is friends with a guy on the board and he stated that XXXX never put my dispute before them. Also, XXXX was threating me over the phone and I told her I was due to have a XXXX  in XXXX of XXXX and I could not meet with the board right away and she continued to harass us. She also told me that my emails were not composed properly and wouldn't send it to the HOA board, I was in the hospital writing the emails and later found out that there is no format that the emails have to be in. She was harassing me after I had my XXXX just to be mean and cruel. She has not stopped for now it has been over 3 years. This is ridiculous. The HOA made a mistake, we fixed it and the collections agency is continuing to harass us. XXXX yelled at me on the phone saying that I didn't make any sense when I tried to call her to explain to her what was going on. She is now just harassing us to bother us and I have had enough. We are in the clear with our HOA but somehow she is trying to collect over {$500.00} from us for nothing! I had another XXXX in XXXX of XXXX and told her that I had just had a XXXX and to stop with the harassing emails and she still hasn't. It is ridiculous. She sent us an email in XXXX of XXXX, this has gone on for over 3 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

First & Foremost I Would Like To Thank You In Advance For All You Guys Do To Help Consumers. I Will Be Your Biggest Advocate & Champion To Keep You Guys Strong & Going Have Even more Power To Flex At The Corporations Etc That Need To Be Checked From Time To Time & Always Have The Power To Protect The Consumer To The Highest Degree. I Look Forward To My Issue Being Resolved & Quickly. Sincerely XXXX XXXX XXXX May You All At The CFPB Be Blessed & XXXX From XXXX. 

In Accordance With The Fair Credit Reporting Act. The List Of Accounts Furnished Is In Violation Of Privacy & Confidentiality Under 15 USC 1681 Account Names : 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 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 15 U.S.C 1681 Section 602 A. States I Have The Write 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 16811c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any consumer report containing any of the following items of 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 1681-2 ( A ) ( 1 ) A person shall not furnish any Information relating to consumer to any consumer Reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX Case # XXXX Records
Product: Credit reporting or other personal consumer reports

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

personal information iis incorrect and soes not not bwlong on my credit report names : 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

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 reporting, credit repair services, or other personal consumer reports

I have a debt of {$38000.00} fraudulently appearing on my credit that just showed up in my detailed credit report. Date reported for the debt was XX/XX/2023. This is stopping me from being prequalified for a desperately needed loan. The credit report is dated XX/XX/2023. I did not take out this loan. I believe I know the person who took out this loan but he is deceased. Our home was foreclosed on around XXXXXXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I attempted to close my US Bank checking account. US Bank agreed and mailed me a check dated XX/XX/2020. On XX/XX/2020 some charges hit that account, my wife had used the debit card inadvertently. I am not sure why they were not declined. Following these transactions I received communication from US Bank stating that my account was overdrawn. Based on this communication I continued with my regular direct deposit into the account. The direct deposit was subsequently declined and sent back to payroll. US Bank said they declined because the account was in the process of being closed. I received another notice from US Bank dated XX/XX/2020 stating they were going to charge me a fee and Charge my account off and place me in collections. I called US Bank on XX/XX/2020 and spent two and a half hours on the phone, speaking to six different people and multiple departments including supervisors. I was informed by two different departments that I needed to mail in a check to bring the account current. So, that day I a certified letter with a check to US Bank at their request. USPS says US Bank received the check on XX/XX/2020. Today is XX/XX/2020 and I am back on the phone with US Bank because the check has not been placed in the account. Today they are telling me that they can not deposit because the account is in the process of being closed. US Bank would like me drive to my local US Bank to solve the problem. I have informed them that I do not have a local US Bank. The closest bank is two hours away. No resolution has been provided. Currently I have been on the phone with them today for over an hour and still trying to get a resolution.
Product: Credit card or prepaid card

I applied with a fico over XXXX points and not any debts aside from XXXX in student loans - i pay off balances within a month of any credit charging -- i applied for a 0 % for 14 months interest discover it card - it is ad on website as such but found out 6 months later i was approved for something entirely diff - a card with 0 % for 6 months and cash transfers for 18 months free of interests. 

I never needed or applied for this type of card the ad said 0 % for 14 months. 

Upon calling discover I was treated like a serf by each supervisor and even had my acct closed without my approval. I had told them to hold off as I now had to see how their XXXX up was going to rake amuck on my credit report with dings. 

This company is awful. 

Awful service - awful ads they don't hold to when you apply for ... .I will never do biz with this co again Apparently having excellent credit and always paying taxes, and bills does nothing for you with Discover.
Product: Prepaid card

I used to get my unemployment benefits in 2021 through Bank of America in 2021 my card was compromised and money was taken for me so I filed the claim with them they did not get to my claim for over 2 years it took them to respond during that XXXX period I became homeless lost my car I owe XXXX XXXX XXXX lost my cats because I didn't have a home for them it's it was XXXX recently they sent me a check for {$1000.00} stadium that it was because of how long it took for them to respond that's a slap in the face for me they had no idea what I went through in those two years so in the check they sent me they said if I feel like I deserve more compensation to submit a IRP claim with documents and proof so I did and they said they couldn't find any proof I sent them bank statements credit card statements loan statements everything and they denied me this is so unfair all because it of their lack of experienced the most horrible years of my life please help me get XXXX thank you
Product: Debt collection

Prince-Parker & Associates , Inc. , furnished an alleged & illegal debt to my XXXX, XXXX, XXXX XXXX XXXXonsumer report which is a violation of 15 USC 1692c ( b ), & 15 USC 1692b ( 2 ), since I, the consumer, never provided written instructions furnish the inaccurate information to begin with.
Product: Mortgage

Regarding CFPB Complaint Number XXXX and CFPB Complaint Number XXXX, which SLS  claims to have been rectified, SLS has not yet provided me the {$11000.00} they have owed me, and claim to have sent in XXXX XXXX. I emailed them multiple times through the portal throughout XXXX XXXX, telling them I have not received these funds. After calling SLS over the phone last week on XX/XX/XXXX they stated ( for the first time ever ) that they sent it via XXXX, but never ended up providing me a tracking number. If they had provided this tracking number weeks ago, I would have avoided hopelessly checking my mail for several weeks thinking that an over {$11000.00} check would finally come. 

Last week ( XX/XX/XXXX ) I asked them to reissue the check, and expedite it, after being nice enough to tell them last month that I was okay with waiting a few more weeks to wait to see if it came. I called again this morning ( Monday XX/XX/XXXX ) to check on the status of this reissuance, and they told me it can take up to XXXX business days. They stated the initial case was not even sent to the right department, and it looked like nothing had actually been done to expedite this matter. Their reissuance timeline would have result in me having to wait over XXXX months in total to get these funds from the date they claimed this check was sent, and would be several months since SLS initially owed me this money. 

SLS is literally stalling on giving me these funds. At one point they claimed they would be waiting on their bank to process the stop payment, when banks do not ordinarily take several days to process a simple stop payment. They opened another case this morning to try to get it to me faster, but I am not exactly confident this will actually happen. 

I am filing this complaint so that these issues are chronicled in the CFPB system and so that this does not happen to any other parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the recent XXXX data breach and identity theft. The following account and hard inquiries dont belong to me : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX aXXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, Furthermore, I have not been XXXX days late with my car payment to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Aldous and Associates is reporting a debt that is not mine. They are saying I owe {$330.00} to XXXX XXXX. however, I have an account with XXXX and have no clue why this is reporting.
Product: Student loan

With the greatest respect to the government agency that ensures the protection of rights of consumers. I am the XXXX student and have applied three XXXX, XXXX XXXX and Discover entities for the student loan because the search engine gave me the option of private loans without COSIGNER as soon as I have applied my credit score downgraded and I had an issue with renewing and renting new apartment. Their decision, all three was to provide COSIGNER with high credit score and applicable income which by itself makes it impossible because COSIGNER which signs contract also loses Credit Score. I have already finished most of course load and if I knew that my credit score was to downgrade just for applying and I wont be able to receive impossible term student loan I would have even applied. My complaint based on if you get rejected why should you score downgraded, why three companies aggresively advertise private loan without cosigner in the search engines such as XXXX, and the most important why would person cosign if he already knows that his score is going to downgrade because later the financial institutions will increase the cost of borrowing and all other consumer purchases would be expensive for him or her. Right now I have issue with renting apartment because of that and I have family and kids. I have the lifelong experience and education never consign and never apply that makes me not wanting to access finance thus leading to financial XXXX  so it happens to be the services for the status selected which credit bureaus assume from family history and other criterias. My complaint is not take action but for improving the system set by private businesses. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/XXXX demanding verification of accuracy of the accounts and these companies only sent back letters saying it is verified but NEVER sent back any files that actually verified the accuracy.
Product: Credit reporting or other personal consumer reports

My credit score dropped XXXX points XX/XX/XXXX. No one can explain it. 
I have never missed a payment in XXXX years. I have not had a house payment since XXXX or a car payment since XXXX. XXXX staying out of debt makes your score go down and makes you a bad credit risk??? I used XXXX different credit cards each month and pay them off each month. Equifax does not even report that. they are poorly run and don't care unless they are selling you something.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the minimum payment for this month. I would like to request to have the minimum amount corrected to reflect the exact minimum amount and entire balance. 

In XX/XX/XXXX, I sent my payment to XXXX for the minimum amount required. Accordingly, I mailed this to XXXX before the due date ; however, the date the check posted was 1 day after the due date. Notwithstanding, I asked XXXX Customer Service if they could renounce the late fee for this month. I obtained a notification via chat regarding the late payment. I asked to have the late fee waived. XXXX complied with my request. However, I noticed on my next month 's statement that the late fee had not been waived. I contacted the XXXX Customer Service Department to discuss the possible oversight. I asked about the minimum payment for XX/XX/XXXX. I also asked about the percentage for the minimum payment. The person I spoke with claimed there is no set amount for the minimum payment each month. I did finally receive a statement for this month that just shows an amount past due and it's delinquent. The minimum amount should not exceed 3 % of the total amount for the principal. 

I tried to file a complaint with transunion but the online dispute website was down at the time.
Product: Debt collection

Indicated they were calling for an accounts payable. Indicated I own a company. Neither of those statements are true, and did not want to clear the matter, or indicate where they were calling from.
Product: Debt collection

PlusFour INC.

( Debt Collector ) Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX Agent : XXXX XXXX reported : XXXX Amount : {$690.00} XXXX XXXX XXXX XXXX XXXXXXXX ( My Health Insurance ) XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX Agent : XXXX Date Contacted : XXXX Time : XXXX Agent : XXXX XXXX Contacted : XXXX XXXX ( XXXX ) XXXX XXXX XXXX location unknown??? 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX Nevada XXXX XXXX Billing Department XXXX Agent : XXXX Date of contact : XXXX Time of Contact : XXXX noon Date of service : XXXX Amount of Service : {$1500.00} ACCOUNT PAID { NEVADA XXXX } PlusFour INC. is currently false reporting a debt that doesn't belong to me. Nevada XXXX contacted XXXXXXXX XXXX XXXX and XXXX XXXXXXXX XXXX and both company 's have several complaints from PlusFour INC. and the false debt reporting. 

XXXX XXXX XXXX billing department explained to XXXX that they are currently moving locations including documents and several people have made complaints about false debt reporting in regards to this. XXXX at XXXX XXXX XXXX Billing department stated that she will expedite my complaint to the supervisor department and to give them 24 hours to respond. 

PLEASE HELP ME
Product: Money transfer, virtual currency, or money service

XXXX allowed a buyer to rescind an auction where sales are not refunded. XXXX superimposed its power to reclaim funds from seller account without authorization. These same funds were on hold for 21 days at PayPal due to Buyer suspicious activity. XXXX illegally pulled funds and left the seller in a {$6.00} deficit due to PayPal fees. PayPal allowed this although when questioned, XXXX denies any affiliation with PayPal and PayPal denies any affiliation with XXXX. XXXX was able to STEAL money unauthorized from seller account. 

XXXX then relisted this same item. A new buyer won the auction and the dispute is NOT finished. Now the money has to be refunded to the new buyer and XXXX  will be paying for all fees!
Product: Checking or savings account

It has been another 6 months and we have not received an update on balance of the deceased XXXX XXXX checking account with Capital One Bank ( {$210.00} ) that is supposed to be dispersed to his daughter XXXX XXXX by check. She has submitted all documents to receive a check in the amount of {$210.00} It is terrible that she has to go through this just to get her fathers bank account money Please see attached documents that have already been submitted 3 times. 

XXXX XXXX - SSN - XXXX Checking account XXXX XXXX XXXX XXXX daughter - XXXX XXXX Thanks XXXX XXXX XXXX Personal Representative XXXX XXXX XXXX
Product: Money transfers

I purchased a ring through ebay and used paypal to send the money. I received the ring and saw right away it was not the same ring that was described. I contacted the seller who denied the allegations then said I could send it back if I paid for shipping. I refused to pay for shipping since I got lied to then the seller rescinded the offer to return the ring and basically told me to go take a hike. I escalated it through pay pal and then 1 hour later paypal without even contacting me or doing any investigation nor allowing me to upload documentation closed the case. I tried dealing with them and I just got the same impossible auto bot reply telling me to upload my documentation. Despite there being no way to do that and no way to contact a real person. I googled my issue online and found that this is a huge issue with paypal closing cases and doing no investigation and telling people to uploads documents to a non existent place online. Then basically doing nothing and giving fraudsters online free money.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I sent in dispute letters asking the CRAs to verify how they they found the disputed items valid or verified if there are still so many inaccuracies. I have requested multiple times on how they do so and haven't received any documentation. The accounts I am asking about are XXXX and XXXX XXXX ( along with the other two inquiries. )
Product: Checking or savings account

My debit card was used fraudulently. On XXXX my card was used at an XXXX XXXX on XXXX XXXX. This happened while I was at work in XXXX. Somehow the thief had copied my chip, used my card at an atm for {$80.00} and then used the whole balance remaining balance in my account to make a purchase at the XXXX XXXX for {$2600.00}. 
I contacted Chase Bank to make a fraud claim. When I followed up with them a day later, they said they had not approved my claim yet, so I offered to provide proof I was at work when the transaction was made. They still denied my case, saying because the thief used my PIN they would be closing it and there is nothing I can do. I attempted to appeal to case to no avail. 
I am a victim of fraud. My entire savings were drained and Chase Bank did nothing to protect me despite the very obvious fraud.
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/scrub> XXXX XXXX XXXX