23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I charged {$6.00} to my checking account on XXXX.The charge was never presented or declined at my bank. I was put in collection by Telecheck and TRS who began to threaten me with late fees. I contacted XXXX who said I did not owe them anything that the item was paid for. I contacted my bank with the Trace ID and they said nothing had been presented or declined. 

The outgoing message on TRS voicemail asks for Social Security numbers and copies of drivers licenses which I believe is against the law. All calls to Telecheck are routed to TRS so they are the same company but not disclosed to the consumer.
Product: Money transfer, virtual currency, or money service

The Consumer Financial Protection Bureau on XXXX ordered Block, which operates the peer-to-peer payments app, to pay refunds to consumers and pay penalties, which will go into the agency 's relief fund for victims.
Product: Debt collection

I received my credit report and found a collection account that does not belong to me. The collection account is SEQUIUM ASSET SOLUTION, account number XXXX. The original creditor is XXXX XXXX. I do not use XXXXXXXX XXXX  nor have I ever. I contacted XXXX XXXX and informed them and they told me to contact the debt collector directly.
Product: Vehicle loan or lease

my name is XXXX XXXX, I am who I say I am and no third party is involved with submitting my complaint. 

on XX/XX/2021 I entered into a consumer credit transaction with Carvana when I filled out an application to use my right to extend credit for personal and household purposes. Since Carvana operates under Truth in Lending and a Finance Charge is involved with this credit transaction I was surprised to see that they required a " down payment '' from me when a Finance Charge as defined under 15 usc 1605 is the sum of ALL charges in any consumer credit transaction and does not include charges of a type payable by a comparable cash transaction. 

So I called Carvana 's customer service line to try and resolve this issue and every rep I spoke to was willfully and knowingly giving me false and inaccurate information regarding the existence of their " required '' down payment. After speaking with underwriting they still continued to give me false and inaccurate information and continued to schedule call-backs which they said would be 24 hours, but I had to continuously call back and it took over a week to finally get to their executive complaint department and they too just gave me the same false and inaccurate information. Carvana is now in violation of 15 usc 1611 and can be held criminally liable for willfully and knowingly giving me this false and inaccurate information and for failing to comply with any of the other requirements under TILA.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXX 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  ) 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: Vehicle loan or lease

The co-owner had took the car from me. I havent had a car in two years and she had text me and said they took the car and I had called the people and it was XXXX. Something dollars on the car that was backed up and the only way I got my car back was to pay that money and before I had called the people she was like you can have the car back so you can have transportation get to work, but you have to pay that money back to get it back so thats messing up my credit for me to get another car to have transportation to get to work and work more hours and take my kids to appointments only way for me to get another car is to pay {$5000.00} on it because of that and its hard to save that kind of money with XXXX kids and other bills. Ive been trying to find a way to get another car and pay XXXX down on it and just pay my payments cause I can forward my payments, but its hard so Im just trying to get that car off my credit and start over
Product: Student loan

Third party stated on XX/XX/XXXX XXXX XXXX XXXX was at {$22000.00} and they would manage to bring it down to {$8000.00} as long as I payed a {$4000.00} entry fee and agree to pay a monthly fee that is do to change depending on my yearly income for 10 years. I agreed and went on paying for 2 years a monthly service fee of {$39.00}. Coming to the third year of renewal they stopped pulling money out of my student bank account on XX/XX/XXXX I called and they wouldnt answer I decided to check my email to see if they notified me of company change but instead read an email stating Arete financial freedom was being sued. I proceeded to call XXXX XXXX they stated my account was being stopped every year since XXXX and that it was a fraud. They advised me to put a complaint and enter their program of repayment.
Product: Money transfer, virtual currency, or money service

I have been a customer of Coinbase since XXXX. I have invested over XXXX in bitcoin. I always have strong password ( 11 characters long with uppercase, lowercase, number and special character ) and XXXX verification to protect my account. On XX/XX/XXXX, my account got compromised and I lost over XXXX worth of bitcoin. I reported to Coinbase and locked my account as instructed. After my account was recovered and reactivated, I changed my password and added XXXX XXXX. On XX/XX/XXXX, my account got compromised again. This time i lost over XXXX worth of bitcoin. Coinbase kept blaming on me not protecting my account and refused any responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$590.00} It is unlawful to attempt to collect a debt twice There is no contract, no valid claim ... account was settled with original creditor XXXX XXXX XXXX XXXX XXXX   and I called creditor and was informed that your method of verification is often not updated and in error ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow, and remove You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Debt collection

Hello - I was on auto bill with my utility provider XXXX XXXX XXXX XXXX. For the last bill, I guess they decided not to auto bill and I was not aware of this. They passed the debt to TransWorld with erroneous contact info. 

Transworld told me they tried to call a phone number that was not mine ( I have had the same phone number for over a decade, so unsure why or how ). They also sent a letter that went to my neighbor during the lockdown. It sat on her kitchen island until she found it cleaning one day. 

The day my neighbor delivered it, I called Transworld and paid the bill. In spite of never receiving notice of the bill, due to the poor business practices of the utility provider and TransWorld, I have a negative mark on my credit. 

Other than this incidence, I have NEVER had a delinquency on any bill. Even as this delinquency was on-going, I was paying credit card bills that were 50 times as large. There is no logical reason I would not have paid this, had they made me aware. 

I am now in the process of applying for a mortgage for a new home and this has dropped my credit significantly and will cause me significant financial harm. 

Can you help me get this removed? Also, what legal rights do I have to recapture the losses XXXX additional cost ) I will have due to their poor business practices?
Product: Consumer Loan

We purchased this property in 2002. Recently we decided to sell the property and can not do this because of undisclosed liens that are showing. DMV is showing a lien that was charged off years prior to our buying this property.
Product: Debt collection

I rented apartment XXXX from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from XXXX of XXXX to XX/XX/XXXX. I turned in my keys XX/XX/XXXX. A few months later I got a notice ( see XXXX XXXX ) stating that I owed money on my balance. I phoned XXXX at XXXX XXXX  billing about the charges. There were a bunch of wrongful charges on the statement so I had them do an investigation ( see XXXX XXXX  ). I was told that I would receive a phone call from them once the investigation was completed. A few weeks later ( XX/XX/XXXX ) I had access to my moveout statement balance once they reversed some charges ( see XXXX XXXX  ) and was significantly different than the balance. I was never consulted about the mistakes and was never contacted other than the same email stating i owed some balance. Also attached to this statement is a copy of my lease. This is now an issue because it is negatively affecting my credit and if my current living situation changed, I would not be able to rent any housing.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for all the violations.

Thanks
Product: Checking or savings account

This is a follow-up to my original complaint filed through CFPB, which was answered by the Bank. I have included detailed descriptions in this submission. This complaint refers to Wells Fargo and their BSA in-compliance, resulting in a loss to myself, and my business. See the attached submission
Product: Credit reporting or other personal consumer reports

Im writing to address several inaccurate items on my credit report that are currently involved in pending litigation due to reporting errors. Because of the ongoing legal proceedings, these items can not be properly verified. According to 15 U.S. Code 1681i ( a ), unverifiable information must be removed from my report.
Product: Credit reporting or other personal consumer reports

Between XXXX and XX/XX/year>, I made a payment and set up an automatic payment option at the same time. 
In XX/XX/year> I checked my credit report and it shows a late payment from XX/XX/year>, something I was never notified of. 
On XX/XX/year> and XX/XX/year> I sent letters to all the addresses on my credit report and they all returned them as undeliverable, saying the address is wrong, very wrong to report wrong addresses on my credit report. 
I finally Googled his address and sent a third letter requesting a review and goodwill letter to remove that late payment, because the payments were made automatically from XXXX XXXX and this affects the ability to get better credit in the future with other banks. 

I even called and they said they would look into it and get back to me. 
There is no answer yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY RECEIVED A LETTER ABOUT A XXXX  XXXX DATA BREACH AND I WAS ADVISED TO CHECK MY CREDIT REPORT TO MAKE SURE I WAS NOT A VICTIM. I HAVE NO INTEREST IN CREDIT SO I NEVER REALLY CHECK MY CREDIT REPORT. I WAS AMAZED WITH THE DAMAGE THAT WAS DONE TO MY CREDIT. ALL THE ACCOUNTS AND INQUIRIES ON MY REPORT WERE NEVER AUTHORIZED BY ME NEITHER HAVE I EVER RECEIVED ANY TYPE OF SERVICE FROM ANY OF THESE COMPANIES. I AM A VICTIM OF IDENTITY THEFT AND I HAVE ALREADY REPORTED THIS CRIME TO MY LOCAL POLICE DEPARTMENT. THEY ARE CURRENTLY INVESTIGATING AND ADVISED ME ON THE STEPS TO DO NEXT. 

THE FRAUDULENT INFORMATION APPEARING IN MY CREDIT REPORT IS AS FOLLOWS : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit card

Chase Ink changed my billing address without my consent or knowledge causing me interest and finance charges. I requested the missing statement and I have paid all the charges I made except the interest and finance charges. I closed the account. I continue to get a statement each much full of only interest and finance charges. I spoke top XXXX from the executive office but nothing happened. Chase ink has reported this account to the the credit bureaus ruining my excellent credit. I had excellent credit before chase did this!
Product: Credit card

I talked to them on Friday, XX/XX/2023, because I got an email saying that a payment in the amount of {$98.00} was due that day. I did not understand why a payment was due when I made a payment previously. Sams Club failed to process the previous payment which resulted in the {$98.00} and my account being closed. I previously made the payment.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Capital One for inaccurately reporting my credit card payments and the status of a secured credit card account. I have encountered significant issues with how Capital One has handled my credit information, which has adversely affected my credit score.

Late Payment Reporting on Two Credit Cards : Despite making timely payments, Capital One has reported late payments on [ mention the last four digits of the two credit card account numbers ]. This error has negatively impacted my credit history and score. 

Closed Secured Credit Card Account Still Reporting Negatively : Additionally, a secured credit card account with Capital One, which was fully paid off and closed in 2021, is still being reported negatively on my credit report. This account, with the account number [ mention the account number ], should reflect its true status as paid off and closed. 

These inaccuracies have not only affected my financial credibility but have also caused me undue stress and potential financial harm. I have attempted to resolve this issue directly with Capital One but have not been successful in correcting the inaccuracies. 

Enclosed with this letter are copies of relevant documents, including statements showing timely payments, the closure confirmation of the secured credit card, and any correspondence with Capital One regarding these issues. 

I request that the CFPB investigate this matter and assist in rectifying these inaccuracies with Capital One. It is imperative that my credit report reflects accurate information to maintain financial stability and credibility. 

Thank you for your attention to this matter. I am looking forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

Portfolio Recovery contacted my employer on Friday XXXX XXXX, XXXX times! The company was closed so a message was left on my employers answering machine that " he had XXXX accounts on his desk to discuss with me and if I did n't call back, he 'd have to take it to court. '' My boss only had a phone number, the person did not leave his name or name of company. To my knowledge this is in violation of the FDCPA!
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  -Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ), I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX c of the fair credit reporting act I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts. XXXX XXXX XXXX XXXX. 
, XXXX XXXX XXXX balance XXXX XXXX XXXX balance {$550.00} XXXX XXXX {$120.00} XXXX XXXX XXXX  XXXX {$66.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get my Experian and XXXX credit reports via XXXX. The website does not provide a reason for this but instead suggests I contact both bureaus. A postal address is provided for Experian. No contact information is supplied for XXXX. 

I have tried and failed to speak with someone at both Experian and XXXX. On several occasions I was waiting to speak to someone for over an hour. 

Note that I can access my XXXX credit report via XXXX. It is not clear to me why it works for XXXX but not the other XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I took a loan from XXXX XXXX , XXXX . Sadly, I was not able to keep up with payments on that loan. I was current on the loan for XX/XX/XXXX - XX/XX/XXXX. I never made a payment again. I never communicated with the company or made any alternate payment arrangements. 

In XX/XX/XXXX - XX/XX/XXXX, XXXX reported my account as current. I believe XXXX did this to extend the time period in which the account will appear on my credit report. Now, the account will continue on my record until XX/XX/XXXX. Also, I believe they incorrectly reported this to extend the statute of limitations on the collection of this debt. 

I disputed this information with them and with XXXX and equifax. XXXX confirmed their information to the bureaus. My credit reports have not been updated.
Product: Credit reporting or other personal consumer reports

The only credit inquiries in the last 5 yrs that I have authorized are XXXX credit repair free acccount and XXXX XXXX XXXX. I am disputing any and all other inquiries on my record. I believe that an ex partner of mine who had access to all of my personal information ran several credit inquiries and took out things in my name in order to not only track me as I was hiding from this person as well as for the purpose of ruining my credit as this was an abuser who did not want me to feel that I could survive without them and keep me dependent on them. They did not want me to have any life success independent from them as they knew I was taking steps to do so. Please remove all inquiries from my credit history.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you