23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My complaint is with XXXXRS accounting Resolutions Services LLC, located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX. I have been calling and emailing ARS accounting Resolutions on several occasions since XX/XX/2021 concerning their false bill reporting on my credit report. 
XXXX is trying to collect on a debt that I already paid and settle with another collection agency. I settle this debt with XXXX XXXX XXXX collection agency located at XXXX XXXX XXXX, XXXX SC XXXX. And I have sent to ARS proof of payment receipt. I sent ARS the letter receipt from XXXX XXXX now 4th times. ARS refuses to remove the false bill from my credit report. When I called them the representative stated that she received my email, but not the attachment. I re-sent email as well as attachments on several occasions. 
After several attempts I contacted XXXX, ( XXXX XXXX XXXX XXXX ) at XXXX and I spoke to a representative XXXX, who informed me to dispute ARS false bill with XXXX, as well as to contact ARS directly at a different contact telephone number that she gave me. 
I contacted ARS at the new number that XXXX gave me and the representative Ms XXXX advised me to re-send the proof of payment receipt via email again. 

This would be my 5th time sending an email to ARS accounting Resolutions Services LLC, located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX with proof of payment from XXXX XXXX XXXX collection agency located at XXXX XXXX XXXX, XXXX SC XXXX. 
I am filling a complaint against ARS ( accounting Resolutions Services LLC ), located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX for violating The federal Fair Debt Collection Practices Act ( FDCPA ). As a consumer my rights have been violated by ARS as their refusal to comply with Federal Law procedures in not protecting my rights as well as my violating my credit report. I would like to get {$1000.00} monetary compensated for their violations in lowering my credit report and not removing the false bill even after I have provided proof and receipt on several emails and communications. 
Attaching all proof of receipt and documents. 
Thank you
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Coinbase " temporarily disabled '' our bitcoin account on XX/XX/17 and we have been unable to access the account since then
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my rights. 


In accordance with the Fair Credit Reporting Act XXXX Account # 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 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$300.00} XXXX XX/XX/year>
Product: Mortgage

On or about XX/XX/21 I refinanced and paid off loan # 's XXXX and XXXX with Michigan Mutual Inc. The balances in the impound accounts was {$1300.00} and {$1400.00} respectively. On XX/XX/21 I received escrow payment checks of {$760.00} and {$950.00} respectively. On XX/XX/21 at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX )  and I called Michigan Mutual on a conference call and we spoke to XXXX ( no title or contact information given ) who could not explain the discrepancy ; at XXXX XXXX ( no title, initials XXXX ) told us that the missing money had been used to pay my property taxes ( she did not provide any transaction or check numbers for verification ) the call ended at XXXX XXXX At XXXX XXXX  I called and spoke with XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX who informed me that my property taxes were paid on the aforementioned properties on XX/XX/21 by the title company. No other payments have been received. Previous complaint : Ref # : XXXX File No : XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX , XXXX. XXXX at XXXX XXXX 

XXXX, I did speak to a few people today from Michigan mutual who assured me if it was double paid you will be getting the difference back. So I would look out for that. 

Thank you, XXXX XXXX XXXX XXXX NonProducing Manager XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING COLLECTIONS ACCOUNT IS REALLY INVADING THE OVER-ALL HEALTH OF MY CREDIT REPORTS. THE ACCOUNT FOR XXXX XXXX, IN WHICH THE ORIGINAL CREDITOR IS XXXX IS DISPLAYING A BALANCE OF XXXX, IN WHICH THE ACCOUNT HAS BEEN OPENED SINCE XX/XX/XXXX. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT SINCE XX/XX/XXXX, I FINALLY WAS ABLE TO GET THIS NEGATIVE ACCOUNT REMOVED BY EXPERIAN AND XXXX. NOTHING HAS BEEN DONE OR SAID BY XXXX. WHY HASN'T XXXX   DONE ANYTHING ABOUT THIS MATTER WHEN WE CAN CLEARLY SEE THAT THE OTHER TWO CREDIT BUREAUS FULFILLED THEIR TASK BY GETTING THE ACCOUNT REMOVED. I DEMAND TO KNOW THE REASON WHY THIS ACCOUNT IS STILL DISPLAYING UNDER XXXX AND WHY HAVE THEY NOT RESPONDED BACK TO ME!!??? THIS IS REALLY IRRITATING MY LIFE-STYLE AND THE GOALS I HAVE YET TO ACHIEVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters via fax as well as certified mail and personally called Equifax to remove incorrect addresses and employers, however, they refuse to.
Product: Mortgage

My mortgage loan servicing company withdrew an unauthorized payment from my account on XX/XX/22 in the amount of {$1200.00}. This unauthrized withdrawal was made after I had already made a payment on XX/XX/22. I spoke to them today ( XX/XX/22 ), and the agent told me she was filing a complaint against the employee who made the unauthorized transaction, but that my complaint could take up to 14 days to process. 

This is fraudulent activity. 

The company : Specialized Loan Serv LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXX XXXX XXXX XXXX
Product: Checking or savings account

This complaint against PNC Bank centers on its customer service and the banks total disregard to correct a banking error they mad. I have been paying bills through PNC Bill Pay for several years now and in mid XXXX I setup a payment to my credit card that was to be sent by XXXX XXXX. Due to the amount of the payment and with out notifying me when I set up the payment PNC mailed a check vice a wire transfer. The payment was received by the credit card company on XXXX XXXX vice the XXXX XXXX. Due to the late payment, I was charged a {$40.00} late fee, {$150.00} in interest and a late remark reported to the credit bureau. 
Since this time, I have filed three formal disputes with PNC and spent numerous hours on the phone talking to PNC Customer Service. Two of the disputes were rejected within ten days and the third was submitted a month again with no response. PNC is taking no responsibility for sending the payment late and is stating the {$190.00} in charges I received were from the credit card company and that only the credit card company can reimburse these charges. 
This in no way was the credit card companies fault, the payment was received late due to poor PNC processes, and they refuse to admit their fault and reimburse my account.
Product: Student loan

Aidvantage Account # XXXX XX/XX/XXXX Called Aidvantage to request a refund of {$7100.00} in payments made on XX/XX/XXXX and XX/XX/XXXX while account was with XXXX ( previous loan servicer ). Request was put in and told to wait 3 months to be completed. Refund will be issued to the same bank account it was paid from. 
XXXX Called to follow up and after multiple attempts ( put on hold and hang up ) was informed that my request had been denied by the Dept of Education because it was not not processed in time for the XX/XX/XXXX deadline. 
XX/XX/XXXX Called the US Dept of Education @ XXXX to request an appeal as to decision made to deny refund. Representatives informed me that the Dept of Ed does not decide that, it is only the student loan servicer. 
XX/XX/XXXX Called Aidvantage and spoke with another representative and requested to speak with a manager to inquire as to why refund was denied. Rep explained that it was processed per their records XX/XX/XXXX and that a paper check had been sent out. Mailing address was current but I had never received it. Requested to be resent. Rep informed me that process would take 6-8 weeks and to follow up in that amount of time. 
XX/XX/XXXX Called Aidvantage and spoke with another rep to inquire on status of refund check. Put me on hold and hung up.
Product: Debt collection

I settled a debt with radius global solutions in the amount of {$1100.00} in exchange for a removal of the debt off of my credit report on XX/XX/2021 they removed the collection off of my XXXX and XXXX report but not off of XXXX I called them in XXXX of 2021 and told them that the collection is still reporting on my XXXX a rep told me that theyll resolve it and as of today nothing has been done I even tried disputing the collection through XXXX but it didnt result in a removal. I will like for radius global to get this debt removed off of my XXXX report as agreed on when I settled the account
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX 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 that consumer reporting agency can not furnish an 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 or other personal consumer reports

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX XXXX. 
Despite multiple requests for correction through letters dated XX/XX/XXXX  and XX/XX/, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. In my case, this requirement has not been upheld, as the inaccurate late payment reporting has persisted across multiple disputes. 
Additionally, under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments suggests a failure to comply with this requirement, contributing to the errors on my credit report. 
TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has harmed my creditworthiness and violated these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) Furthermore, under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are responsible for providing timely statements to prevent unfair penalties to consumers. The errors in late payment reporting on my account indicate that this obligation has not been met, resulting in undue damage to my credit score. 
Pattern of Non-Compliance The persistent late payment errors across XXXX, Experian, and XXXX demonstrate a pattern of inaccurate reporting, causing undue harm to my credit score despite my previous disputes. 
I formally request that the incorrect late payment notations be removed from my credit report immediately, and that the account status be corrected across all three credit bureaus. Failure to address these inaccuracies will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

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

On XX/XX/XXXX i called Bank of America due to incorrect information that is being reported to the XXXX   XXXX. I had two accounts which were charged off with Bank of America. 1 of which in the amount of {$260.00}, was paid in full after it was reported to the XXXX  for insufficient funds ( NSF ). My 2nd account which is my savings account is being reported to the XXXX for {$.00} due to fraud. I have called and escalated this issue with bank of america several times and the risk and closure department is refusing to correct this information. How is it possible that both accounts were opened at the same time and closed at the same time but are being reported to the XXXX XXXX for different reasons. When the accounts were originally being closed, i received notification via mail that they were being closed due to ( NSF ), but for some reason Bank of America is reporting my account as fraud which is preventing me from getting an account with anyone. They are refusing to review this information and update accordingly. They are saying it is fraud because i had a negative balance of {$36.00} and my recurring utility payments were charged to the account, but were not paid by Bank of America, and i was charged {$36.00} each time this happened, which increased this balance to over {$200.00} ( which include extended overdraft fees ). I need this fraud remark removed from my consumer report today and commented correctly. I have disputed this information with XXXX XXXX but they keep stating Bank of America keeps verifying this information to be true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to XXXX for a credit card since they were offering {$5.00} off my bill when I had the card. Evidently the card is issued thru XXXX. The majority of my cards are with XXXX XXXX. I got a letter from this " Sagestream LLC ; evidently another obscure credit reporting agency, that my FICO score was XXXX and I was denied a credit card thru XXXX  because of Sagestream. 

I downloaded 6 separate scores from Annual Credit Report ; my scores ... XXXX, XXXX ; XXXX ; my Auto score XXXX ; my bankcard score XXXX and my mortgage lending score XXXX. They're not the best, but they're not the worse either. All were download today XX/XX/2020 at XXXX this morning. 

I do not want this false, unwarranted, misleading information leading to more issues in my life. I had problems 6 years ago, my credit is pristine now. I pay my bills the minute they arrive in my mailbox or my inbox. I just got a new car on Saturday, I don't think they would of let me drive off with a credit score of XXXX. 

I thank you for anything you can do to stop this from ruining me.
Product: Credit card

I've always made sure that payments on this account are timely, never allowing them to be overdue. However, I'm unsure about the reasons for reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, this should be corrected.
Product: Money transfer, virtual currency, or money service

My Cash App account was hacked, resulting in unauthorized transactions and a breach of my personal information. Upon discovering the fraudulent activity, I attempted to resolve the issue using the support icon in the app and disputing the transactions. However, the resolution process was frustrating and inadequate. Not only was there no accessible way to speak with a live representativeleaving me to rely solely on the in-app chatbut it also took over a month and a half of disputing the issue before I finally received my funds. 

This incident highlights the weak security measures within Cash Apps systems, which allowed fraudsters to gain access to my account and caused significant financial loss and inconvenience. It also underscores broader concerns raised by the CFPB about Cash Apps inadequate fraud protections and lack of effective customer support. I am seeking accountability for the disruption and financial harm this incident caused.
Product: Debt collection

I received a letter a week ago from a debt collecting company ( XXXX XXXX XXXX ) declaring a debt verification for the amount of {$11000.00} that I have to respond within 30 days from the date of the letter before they decide to make it a valid debt. The date of the letter was made on XXXX XXXX, XXXX ( 30 days makes it by XXXX XXXX, XXXX ) and it stipulated that the date of the account of the debt was from XXXX XXXX, XXXX. Before and after receiving this letter, I did not receive any calls nor any other letter from this company or companies regarding this matter. I called office number that they provided in the letter and requested to speak with a representative that speaks XXXX because my English is not that great. When I was transferred, the call gets immediately sent to voicemail and it also said that it was full so I am unable to leave a message. I had my son try to speak with them in English but they wanted me to speak with them directly which causes a problem because I have trouble understanding. They did not leave enough time for me to defend or to make a claim. I know this debt is false because recently, I had a credit report done on XXXX XXXX, XXXX and while looking through my past information, I have no information from this company nor from any debt collecting agency that is tied to the account from which they are trying to collect from.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$490.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; U.S. Bankruptcy Court XXXX XXXX bankruptcy discharged Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

I noticed I had unauthorized charges on my Huntington checking account when waking up XX/XX/XXXX for various amounts. I IMMEDIATELY called the bank to dispute the charges. I also had my debit card cancelled. I explained to them my phone was stolen over the weekend and that was most likely how this occurred, but I wasn't certain. I explained to them I was at a new address, but they still sent the replacement debit card to my old address! I have not received it to this day! 

Over the following couple days I had MORE charges despite cancelling my debit card and reporting the issues. I immediately went to my local branch to try to see what I could do to have these fraudulent charges STOPPED. These new charges should have never occurred given the information I provided to the bank days earlier. The lady told me she would take care of it, but didn't do anything until I followed up via email. She seemed new and not properly trained in handling this situation properly. 

Over a week went by and I called back, only to find out the 2nd batch of charges were reversed as they should be. however the initial batch was DECLINED. I explained once again everything that occurred and they re-opened the case with new notes ( apparently the first representative never documented anything I said ). Why is the 2nd claim approved but the 1st claim declined? They were during the same time period and both fraudulent charges not made by me. 

Another week goes by and I called back, only to find out the claim was denied yet again. These were large amounts of fraudulent charges that I did not make, and I feel that I have cooperated and went out of my way to pre-emptively try and fix everything but the bank is not being responsive or listening to me or the evidence provided. The lady on the phone was not helpful and basically said " too bad ''. The representatives are largely dismissive and not helpful... failing to document notes/evidence provided and sending my replacement debit card to a different address than mine own. They also did not properly help charges from continuing to occur after my first call. I have also been in continuous contact with the branch via email with no real help or solutions.