23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

after I filed these complaints, They still called the next day.

However, I did call them, all the guy wanted to do is belittle me and tell me this is not customer service. He said his bills are paid.

I in fact set arrangements and they still attempted to threaten and harass me about the bill.

Now, they sent an update to the credit bureau and put 120 days past due. Out of spite ... I even have automatic payments going to them.

That's not what they agreed upon. they are dirty..

NC was included in a Natural Desaster Area and I was included in a flood area.

I lost work due to Hurricane Florence.

I will also contact the NC Govenors Office because of this. Consumer affairs.

Yes, it was a past due account, but now they will not allow me to follow through with the arrangements since they wouldn't stop calling, I told them to cease and desist. any and all communication.

They stopped calling, but they are trying to affect my credit in a negative way now, since they did not get their way.
Product: Mortgage

XXXX XXXX XXXX received letter from lender addressed to the estate ( residential address ) dated XXXX XXXX XXXX re : check hasn't been cashed as of yet XXXX XXXX XXXX check was issued to the estate and " in care of '' my name in error because the money was paid from my individual bank account and the estate was closed XX/XX/year>
Product: Credit reporting or other personal consumer reports

I looked at a copy of my credit report and noticed several inaccuracies on my report. 
these accounts are hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy here is the items Iam asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Payment made XX/XX/year> XXXX XXXX XXXX account Paid online, received a payment confirmation, contacted company several times and was disconnected, was told that the payment was rejected for XXXX on an XXXX with no limit. Payment shows processed on the statement. 
Still receiving harrassing calls regarding the debt i had payed.
Product: Credit reporting or other personal consumer reports

I submitted a request to investigate numerous collections and inquiries that were added to my credit report and I noticed that maybe 1 hour to 10 hours that I would receive an email saying the my dispute was completed. I called Experian to voice my concerns and was informed that a representative looked into the issue and completed the task and that it would remain on my report.
Product: Mortgage

The loan is with Dividend Finance, it was taken by XXXX XXXX a sales person with XXXX XXXX while at my residence on XX/XX/22. I did not sign the initial DocuSign documents, the sales representative did. I was shown through a presentation that my monthly payments with them would stay the same while electric costs would just rise. Nothing about interest rates changing and nothing about a balloon payment. It was explained to me that no payment would be due at all until after installation was completed. My solar panels still have not been installed. However, Dividend emailed me XX/XX/22 a " notice of completion '' to which I promptly notified them back in writing that installation was not completed. The solar panels were not connected to my house. They still remain unconnected to my house to this day. I repeatedly tried to resolve this with the contractor, my utility and the finance company. So, I did not ever sign the DocuSign sent to me. Is one issue, the next is the change in interest rates was never disclosed to me. The balloon payments were never disclosed. Also, and most importantly, the item that the loan is for has never actually been completely installed. The contractor abandoned the project. The lender has been notified multiple ways including on the XXXX  and via their website and email.
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 ( CFPS ). 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 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 or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX claims that in 2006 we took out a second mortgage on the same day as our first mortgage. They are now 16 years later bring this to court for foreclosure.
Product: Credit card

On XX/XX/XXXX, due to an overlooked payment date of XX/XX/XXXX, my XXXX XXXX Account with Synchrony Bank was charged a {$30.00} late fee rather than the {$8.00} fee designated in the XX/XX/XXXX final ruling by the CFPB. I paid the monthly amount due + the {$30.00} late fee immediately to bring my account current before remembering the changes made through the Biden administrations policy on stopping excessive junk fees. Is there anything I can do to recover the {$22.00} or have I misunderstood this new ruling and its effective date? Do I have any recourse?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion multiple times for help with removing several inquires off my report that are unauthorized. I sent police report and letter back in XX/XX/2020as requested and nothing was done. I called the most recent times on Thursday XX/XX/2020, XX/XX/2020, and finally XX/XX/XXXX,, 2020. Each time I was connected to fraud department and told something different. I was told hard inquires could not be removed, that they were to old to be submitted for review and removal, that there system would not let them submit to check to validity of the inquires, and finally was told to submit a letter and police report again. It is extremely disheartening that there customer service departments were unwilling to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Quick Credit in XXXX, AL sent me a check in the mail in the amount of {$600.00}. If I agreed to the terms of the loan, I was to deposit the check into my bank account to activate the loan which is what I did since I was agreeable to the terms. I paid this loan in full which is reflected on my credit report as favorable. I find out much later that there is negative reporting on my credit reports from all three credit bureaus for an additional loan that I supposedly took out in XX/XX/XXXX and never repaid it. They also reported that I took out the loan in XX/XX/XXXX and that date of first delinquency was XX/XX/XXXX. I contacted them to let them know that this was not my loan and that I paid my loan in full. I have disputed this many times with no resolution. I even obtained a police report to attest to this fact but Quick Credit still refuses to remove it from my credit reports. I was told by the credit bureaus that I needed to file a complaint with this agency to have credit bureaus remove this from my credit reports once and for all which is why I am now filing this complaint.
Product: Credit card

I received a credit card I never requested. Suspiciously they used an incorrect middle initial for me. It was a Fidelity Rewards Visa Signature Card
Product: Credit reporting or other personal consumer reports

I have recently conducted a thorough examination of my credit report on XXXX and was deeply alarmed to discover that I have fallen victim to identity theft. It has come to my attention that there are multiple accounts, inquiries listed on my credit report that I did not initiate or authorize. On XX/XX/XXXX, I promptly dispatched a formal letter to the credit bureaus in which I requested a comprehensive investigation into the accuracy of the information associated with the inquires I have enumerated below. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries XXXX XXXX CIC Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CIC Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX  IL XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/2016 Costco changed from XXXX to Costco Anywhere Citi Visa. On XX/XX/2016 I paid {$5900.00} to XXXX. On the first statement from Citi Visa I received a bill for {$5900.00} the amount that I had paid XXXX ; Citi informed me that I had not paid XXXX and therefore ; I needed to pay them. I informed them that I had payed XXXX and sent them a copy of my bank statement that showed the {$5900.00} being deducted and payed to XXXX. Citi Visa refuses to correct their mistake and issue credit to me for {$5900.00}. Because Citi Visa has not corrected their mistake my credit score has been down graded and when I tryed to refinance my Mortgage I was told that I was going to pay {$250.00} more because Citi Visa had reported that I was late with payments. Customer Service at Citi Visa has told me on different occasions that they had found the payment only to receive letters later informing me that I still owe the {$5900.00} because they had not found the payment after all. I have been trying to get this issue resolved for over 9 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank has recently put a collection account on all 3 credit bureaus just recently without warrant and proof that this account belongs to me. This account has never showed on my reports then suddenly shows up with dates that I never opened this account. The amount is for $ XXXX. I have called citibank recovery directly and to no avail they have not helped nor shown me proof that this account does belong to me as it has severely damaged my credit and my ability to buy a home in the coming months. This needs to be resolved immediately as I will take legal action against the company.
Product: Checking or savings account

There were some issues with some branches and so I sent an email to the executive office last week. That same email was sent ccd to various people at chase executive office. 

Someone named XXXX from the executive team called me and left a voicemail on my phone with all misleading information. She refused to send a response via email. There was no extension number provided in that voicemail so that I cant track who XXXX is. 

I closed my account primarily based on what I was told by XXXX. 

The debit card team supervisor named XXXX told me today ( Sunday ) that the information XXXX has left on my phone is misleading and incorrect. I then asked to speak to the executive team. She connected me to another person saying you will be now speaking to the executive office. A lady takes the call claiming herself to be from the executive office. After few minutes of conversation I had a suspicion that the lady is not from the executive office. I disconnected the call. 

I called again and this time the representative said the executive office is closed on Sunday, and the supervisor XXXX transferred the call to some random person fraudulently claiming as the executive department of Chase. 

I called again to lodge a complaint against XXXX and asked for the complaint to be sent to the executive department directly. The representative took the complaint and gave me the complaint number and said the credit card team can open a case for me, for this particular case number to be forwarded to the executive team directly. So the call got transferred to some credit card team. 

The lady from the credit card team refused to take the complaint and disconnected the call on my face. 

It is transparent, starting from the branch representatives, to the phone supervisors and reps and all the way up to the chase executive office, all of them are corrupted. An act of corruption inside chase, as a large team.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the credit bureaus ( XXXX, XXXX and TransUnion ) to do a verification of everything on my credit report. They did so and stated that all information was accurate. I then did a thorough research myself and discovered quite a few improper inaccuracies on my credit report, even after the credit bureau 's completed their investigation. 

I have been disputing with Transunion, XXXX, and XXXX about the negative accounts on my report. Some are not mine, some are reporting wrong or without creditor information, and some are refreshing to try to stay on my report. There are also incorrect addresses listed that I have tried to get fixed, unsuccessfully. I mailed my first letter in XXXX letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to respond to my free disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. The following accounts are still reporting incorrectly on my report : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I even sent my letters certified because I needed to know if they were getting my letters in the first place. These are the most recent tracking numbers from XXXX ( XXXX : XXXX, XXXX : XXXX, TransUnion : XXXX ). I also sent each credit bureaua police report and a copy of both my drivers licence and social securitycard, each with my signature. It has been months without receiving a response. This is unacceptable. This is my life that XXXX, XXXX, and TransUnion are disregarding. Each credit bureau has also been involved in a data breach which I have also been impacted by. 

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

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

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

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


15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting company can not furnish an account my without my instructions or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX I am a victim of identity My credit is monitor for FREE for the being a victim of identity theft Experian was monitoring my credit for free. I never give Experian permission to charge me {$24.00} per month for service that I was getting for FREE. This credit report agency started to charge me {$24.00} in XX/XX/2020. I receive the monitoring service for FREE I never authorize for this credit reporting agency to charge my XXXX XXXX account every month for service that I received for FREE. I called the Experian credit services and ask for a refund and I was told that they were unable to give me a refund for the prior months. I contacted my bank about these unautorzired transactions and the case Id number with XXXX XXXX  is XXXX I spoke with XXXX with XXXX XXXX. 

Thanks XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/23 I was towed by XXXX XXXX XXXX Illegally. I was parked in front of a XXXX and walked over to the XXXX. My violation was that it was customer parking only and I was a customer. I've looked at the address of the person who wanted to tow me and it was someone from XXXX. I am doubtful to believe that the person who called for a tow could have possibly been for my car as I was parked ACROSS the lot about a quarter mile from the place. I have checked the name and which store called for the tow and it makes no logical sense. I was told though that there was no other option other than to pay the fine and get my car back. I told Bank of America about this and tried to file that I was under duress during that time and I had no other choice. However, Bank of America disagrees with me on this matter and refuses to do anything about it.
Product: Debt collection

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report :XX/XX/XXXX
Product: Credit card

On XXXX/XXXX/15, I received an e-mail statement from Bank of America 's Online Banking, stating I have a payment due on XXXX/XXXX/15 for {$99.00}. On XXXX/XXXX/15, the same day I received the email statement, I made the payment of {$99.00} and it posted to my account on XXXX/XXXX/15. 

On XXXX/XXXX/15, and on numerous dates thereafter, I contacted BOA via chat and telephone, to inquire as to why it was still showing that I still had a payment due on XXXX/XXXX/15 for {$99.00}. I was informed that BOA was making changes to their Online Banking system and that I need not worry and my {$99.00} payment on XXXX/XXXX/15 will be applied to the XXXX/XXXX/15 due date. 

On XXXX/XXXX/15, I noticed that my account was past due, there was a new payment due immediately for {$98.00}, a {$25.00} late fee for payment due, my card was blocked from use and my credit line was decreased from {$10000.00} to {$8900.00}, as a result of this " delinquency. '' All of these penalties occurred without reason and prior notification to me. 

On XXXX/XXXX/15, I contacted BOA via chat and telephone and after research, it was discovered that it was bank error that my payment for the XXXX/XXXX/15 due date was incorrectly applied in the system and therefore, I received a {$25.00} late charge adjustment. I was then informed that this matter would be immediately rectified and the new payment due immediately for {$98.00} would zero out and I would only have to pay the XXXX/XXXX/15 amount due of {$120.00}. 

On XXXX/XXXX/15, I noticed that my account was still past due, and now I owed an amount of {$220.00} by XXXX/XXXX/15 ( $ 98+ {$120.00} for XXXX ). I contacted BOA again via chat and telephone and again, was advised this would again be immediately rectified. Not trusting BOA after false information was previously provided to me, I paid both the {$98.00} and the {$120.00} to have my account placed back in good standing, even though it was in good standing and always has been. 

On XXXX/XXXX/15, I contacted BOA via chat and telephone and inquired again as to why this has n't been rectified and more importantly, to request my previous credit line of {$10000.00} be RESTORED, since the reduction was a result of BOA incorrectly putting my account in delinquency. I was advised that would be impossible without running a new credit report and I declined. I DID NOT REQUEST an INCREASE in my credit line, I requested my credit line be RESTORED, due to BOA 's error. 

Not only did BOA misapply my payment, I had to pay a new payment due immediately for {$98.00}, a {$25.00} late fee for payment due, which was later refunded, my card was blocked from use and my credit line was decreased from {$10000.00} to {$8900.00}, and the refusal to RESTORE it, as a result of BOA 's error, is appalling.
Product: Bank account or service

TD BANK AND IM SURE OTHER BANKS ARE BEING VERY FRAUDULENT IN CHARGING OVERDRAFT FEES by manipulating posting transactions time and date online. I monitored my account, posted a transaction earlier in the day, it posted the money was taken out of my account because there was sufficient funds in my account at the time. Later at night or the next day, they post their monthly bank fees and then return my previously paid bill as returned charge and charges me overdraft fee, AND THIS IS IRRESPECTIVE OF THE FACT THAT MY DIRECT DEPOSIT PAYCHECK POSTS THESAME DAY AS THE DAY I WAS CHARGED THEIR MONTHLY BANK FEES ... .THIS IS SO FRAUDULENT ... .NEWS AGENCIES AND THE PUBLIC should be notified if cfpb wont protect American citizens and the little guys from the greed and crimminality ofctbe big guys. Pls fix this and REFUND US THE ILLEGALLY FRAUDULENTLY MANIPULATEDLY-CHARGED OVERDRAFT FEES.