23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX leveraging True Accord debt collector is engaged in bad faith deceptive loan origination and debt collection practices. It is not possible to engage in the steps necessary dispute or negotiate a debt without personal information being used for enduring and continual marketing financial products with no ability to opt out. This makes it impossible to seek remedy for alleged debts without having personal information sold in exchange. The process is described here https : //www.notboring.co/p/trueaccord-unsexiness-as-a-moat " Once TrueAccord owns the customer relationship and has helped those consumers out of debt, it can begin to layer on additional financial services : partnerships with neobanks, debit cards, banking services. These are excellent businesses once the customer is in the door, but many attempts die at the hands of high CACs. TrueAccord is playing the long game, and has been for the past seven years, because it knows it can do well by doing good. 
Fewer consumers in debt, more consumers with access to financial services, more profits for TrueAccord. '' XXXX did not positively identify individual using their buy now pay later service and a loan was created in my name. The loan was not paid on. When the loan went to collections it was disputed via XXXX and XXXX credit report. The company provided no documentation showing the loan was valid and simply confirmed the loan. XXXX then advised to contact their debt collector to continue the dispute. Contacting their collection agency True Accord results in a new and permanent account with True Accord being created that market financial products from. XXXX never had consent to open the line of credit and therefore had no consent to give to True Accord for marketing of financial products to the non-consenting party. The current practices prevents the consumer from taking action on items reported to their credit report without unknowingly signing up for unwanted financial services.
Product: Debt collection

I looked at my credit report and found out there was an account opened I had an issue about because the amount owed is incorrect. So i called the company holding the account and explained to them the amount listed on my credit report is double of what it should be because theres 2 names in court records attached to the bill owed so my responsibility for the bill is only 50 % which they admitted they knew that there was another party involved in this account and on the other persons credit report the same amount is also owed which is actually the debt collector attempting to collect double the balance owed on the entire debt. Then they proceeded to tell me they would give me a 50 % discount on paying my bill off not sure how there math works but here is how my math breaks down. 
balance owed in total : {$1000.00} my responsibility according to court records 50 % : {$510.00} inclueded 50 % discount to pay off the bill to the creditor {$510.00} The reason why its wrong is because there are 2 names attached to the same account 2 different credit reports showing the same exact amount owed in total amount be {$2000.00} when the actual amount is only {$1000.00}. Now what happens when i go to pay the bill because were not married say I pay the bill entirely at {$1000.00} which is the full amount owed the other party doesn't know I payed and its still on there report they pay the bill owed also the reporting company gets double owed amount because when reported on each parties credit report its the entire bill owed not the 50 % responsibility that each party has. How is this considered correct because if my responsibility is 50 % owed then my credit report should show {$510.00} and the other party should show the same and if the reporting agency was going to give me 50 % off then my bill should had been {$250.00} not {$510.00} id like to know how an entire bill is attached to both parties and being said this amount is owed by both parties when both parties are actually only responsible for 50 % of the bill and both credit reports show full amounts thats incorrect information 2 parties 2 bills not 2 parties the same bill twice it makes no sense.
Product: Credit reporting or other personal consumer reports

I am writing regarding the ongoing issue concerning the late open accounts inaccurately listed on my credit report. I have provided all necessary documentation and followed the required procedures to dispute these erroneous entries. The persistent presence of these inaccuracies is unacceptable and reflects poorly on your organizations commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution.

I require the following actions to be taken promptly : Immediate Correction of Late Open Accounts : Ensure that all late open accounts are accurately reported on my credit file, reflecting their true status.

Thorough Investigation : Conduct a comprehensive review to identify and address the root cause of these inaccuracies, implementing robust measures to prevent future occurrences. 
Regular Updates : Provide timely and transparent updates regarding the progress of the investigation and the corrective actions being undertaken. 
Compensation : Consider appropriate compensation for the undue stress, time, and potential financial impact I have endured due to these persistent inaccuracies. 
Failure to address this issue promptly will leave me with no choice but to escalate the matter further, including seeking assistance from regulatory authorities to ensure compliance and protection of my consumer rights. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX Balance Owed : {$370000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

This XXXX XXXX XXXX XXXX began after servicing was transferred from XXXX to XXXX. XXXX in XX/XX/year>. The transfer period from XXXX XXXX. XXXX stated to be 60 days per an email and also a letter delivered by the US Postal Service. In addition, the email and letter states that there will be no late fees or negative credit reporting during the transfer period of 60 days beginning in XXXX. 

The transfer period was therefore still in progress in XX/XX/year>. The account was refinanced to XXXX XXXX XXXX XXXX before the completion of the transfer period in XX/XX/year>, and the XXXX XXXX XXXX XXXX was paid in full. As a matter of fact, XXXX. XXXX sent me a refund check, dated XX/XX/year>, greater than the amount of the mortgage payment. 

Based on the email and letter from XXXX. XXXX stating that the mortgage loan had a 60-day transfer period with no late fees or negative credit reporting during that period and the account still being in the transfer period ( XXXXXXXX XXXX XXXX XXXX. XXXX inaccurately reported a 30-day late to XXXX, Experian, and XXXX for XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The EXPERIAN and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I never received any letters in the mail or received any telephone calls from XXXX XXXX XXXX concerning this matter. I was not aware of this collection until Saturday, XXXX XXXX, 2016, when I got the collection letter in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 
XXXX XXXX XXXX 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 XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/XXXX Cardmember Service issued a balance transfer check to my account at Comenity Bank in the amount of {$340.00}. The check was cashed on XX/XX/XXXX by Comenity. When I checked my Comenity Bank credit card account on XX/XX/XXXX to see if the payment was posted it had not been posted yet. I contacted Comenity and they said they never received it. So, on XX/XX/XXXX I made on online payment of {$340.00} to pay my balance so I wouldn't get any fees. The payment was made directly from my checking account. I then contacted Cardmember Services and they mailed me a letter with a copy of the front and bank of the cashed transfer check which showed Comentiy cashed the check on XX/XX/XXXX. I mailed a letter and a copy of the front and back of the check to Comenity. By XX/XX/XXXX the cash transfer check payment was still not posted to my account. I contacted Comenity in XX/XX/XXXX and they said they received the copy of the cashed check and it should take about 6 weeks to post to my account. XX/XX/XXXX the payment was still not posted, I called XXXX they said they see the information and told me the payment was pending but they didn't know why it should be posted on my account within 2 weeks. Again, XX/XX/XXXX came still not posted, called Comentiy, was told they were very sorry it should be posted on my account within 72 hours. XX/XX/XXXX came still not posted, contacted Comentiy again they didn't know why it wasn't posted they will work on it. As of XX/XX/XXXX it still has not been posted online. Comentiy tells me all my calls and the letter show on my account record, but the payment never gets posted even though they say it will be posted.
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 these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My score was at XXXX last month. After my dispute of an old collection that I have reached out to numerous times to get dropped off for payment ( USAA ). The dispute completed and dropped my score XXXX points after the completed dispute. My bills are paid on time and my credit ratio is superb. Its currently showing I have 97 % of my credit available.
Product: Credit reporting or other personal consumer reports

Transunion is reporting incomplete and inaccurate information on my credit report. I have attached the proof and a letter describing each piece of inaccurate and or incomplete information. Under the FCRA I have a right to know what is in my credit file and I have a right to 100 % accuracy and complete credit reporting. Transunion has not provided this information. This gives cause for concern regarding identity theft issues having incorrect personal information and accounts that have not been verified. I never gave Transunion permission to put anything in my credit report. I have the right to direct whether or not I want information about a transaction to be reported. My right to privacy has been violated and I do not appreciate that. These are my rights under the FCRA that Transunion has on their own website. I take my right to XXXX XXXX complete and accurate data on my report seriously. I take my rights under the FCRA seriously. Please make sure to not report any transactions on my credit report. I did not give Transunion or anyone else my written permission. Under the FCRA it says, " reported info can not be ONLY transactions and experiences between the consumer and a company. '' All data on my report are transactions between I the consumer and a company. According to the FCRA you have 30 days to provide me with the information I requested or be in violation.
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 these violations.
Product: Checking or savings account

On XXXX, XX/XX/2021, I checked my balance on my M & T checking account and saw there was a withdrawal on XXXX, XX/XX/2021 in the amount of {$900.00} with the description of counter withdrawal. As neither my husband, nor myself had completed this transaction, I called the XXXX branch of M & T when they opened at XXXX. I spoke with XXXX XXXX, Banking Office/Senior Relationship manager who said she would investigate and get back to me. XXXX called me back a short time late, she advised that a gentleman meeting my husbands description visited their branch on Friday afternoon and completed the withdrawal. Additionally, she stated this gentleman had a valid ID and a benefits card which he used to complete the transaction. At that point, we made an appointment to go into the branch at XXXX to complete a fraud affidavit. 

Upon arriving at the branch with my husband on XXXX afternoon, XXXX explained that a gentleman by the name of XXXX XXXX XXXX had initiated a withdrawal from his account on XXXX  afternoon. XXXX showed us the signature on the withdrawal slip which clearly showed the signature of XXXX XXXX XXXX, however, the teller had filled in the account information with my account number. My husbands name is XXXX XXXX XXXX and the signature was no where near a match. XXXX then advised that we can complete the fraud affidavit just to be safe but was 95 % sure this was simply teller error. Additionally, they contact XXXX XXXX XXXX and left a message. XXXX then informed me that they were unable to correct the error and put the {$900.00} back into my account unless/until they spoke with XXXX XXXX XXXX. She did assure me that at the latest, the funds will be back into my account today, XX/XX/2021 as XXXX was a bank holiday. 

This morning, I received a call from XXXX the branch manager. XXXX confirmed this was a bank error and although it would be correct at some point today, the funds might still show as pending and I would possibly not be able to access the funds M & T took from my account in error until tomorrow. When I asked why this couldnt be corrected on XXXX when I was at the branch and it was determined the be a teller error, XXXX stated that it was because the federal reserve was closed. This makes absolutely no sense. If they wanted to wait to speak with XXXX XXXX XXXX, the {$900.00} shouldve been taken from the branchs general ledger account and given back to me immediately. This is unacceptable. Funds were taken from my account in error on XXXX XX/XX/XXXX and I wont be able to access them until tomorrow, XX/XX/XXXX????? 

I want my funds back into my account immediately. I also want financial compensation for this error as I was out {$900.00} for 4 days longer than I shouldve been. This error shouldve been corrected immediately upon discovering the teller error. Additionally, I want a written apology from the branch manager for this error and for not fixing it when it shouldve been fixed. Instead, I was given excuses.
Product: Checking or savings account

Wells Fargo stole my personal identifying information to sign me up for a product called Affinion without my authorization and charged me for it without my knowledge. They just notified me in XX/XX/XXXX for their action that occurred in XXXX and XXXX of the first instance and sent me a check for {$14.00} and change. I called because they issued the check in my maiden name. When I inquired about the check, they revealed that it happened more than the one instance they referred to and sent me two more checks for {$65.00} and some change and {$68.00} and some change.
Product: Mortgage

PHH Mortgage has refused to process my application for Loss Mitigation in a timely matter thus allowing the home to go into an 'active foreclosure ' status. Being an XXXX Servicemember XXXX, PHH sends only correspondance via traditional mail then claims I do not reply in a timely manner. It takes 3 weeks for mail to get XXXX. I have given them my email over and over but they only refuse to speak thru official mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$69.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX XXXX. 
I am not deceased. 
I believe my information is being hacked. 
I believe family members has said I'm deceased. 
You all are allowing people to hack my account and not allow me in my account. 
That is fraudulent on your behalf. 
You won't allow me to log in on TransUnion and you won't allow me to put my credit card information in. You say my information is not accurate.thats illegal and tampering in my privacy. 
You all also go as far to say put in an expectation date but it doesn't give me an option to. 

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

i have written mutiple times to XXXX XXXX, Transunion, and XXXX  in the past 8 months regarding this account. I have never received any responses back nor have they marked in the comments in the report that this account is in dispute,,, ,they have flat out ignored my requests ... .by law they should have done both ... i do not recall ever having a loan in my life ... ..im looking at the reporting and its all over the place too ... .it seems this avvount has been re aged, look at the date of last payment that is illegal ... the high credit limits are way different, it is a charge off with a balance ... .these are all violations and this is not even mine ... .this is my final attempt for them to correct this before contacting an attorney and the state attorney general
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/XXXX I applied and received an account with Capital One Bank USA NA through XXXX XXXX. I have had 100 % On Time payments. They shut my credit card down I first noticed XX/XX/XXXX. When I called and they claimed that my account was being reported as fraudulent or ownership as fraudulent. I called all of the credit bureaus and nothing was found as being fraudulent for any reports of fraud. I did what they asked and wrote them a letter along with my personal information proving who I was for investigation. I have not heard from them but since then they have removed the information from my credit report which has dropped my credit score by 55 points. The account was never fraudulent. All of the credit bureaus also informed me that Capital One reported this as being fraudulent. I filed an original complaint about Capital One with the XXXX XXXX XXXX, they have not responded. I also have a car loan through Capital One to which they are reporting false information I've never had a late payment on that account either.
Product: Checking or savings account

XXXX XXXX deposited {$5000.00} check on XX/XX/XXXX. Everything was cleared until a year later It was on XX/XX/XXXX I got a negative balance posted on my account and my payroll was taken out too. Without giving me a notice instead took all everything that I had. It kinda sad but nothing I could do. So I immediately contacted the bank went to the branch seeking for help several times but no one could solve this problem. I am asking you to please help me out and solve this as soon as possible. 

Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the file number from the credit reporting company. experian XXXX. 
They are saying this my account when it was sold to an collection company with giving me a copy of the purchase agreement. This shows the incorrections.