23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Ingo Money Unresolved Account Review and Lack of Response Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against Ingo Money regarding their handling of my account review and their failure to provide a clear resolution to my case despite multiple attempts to seek clarification and assistance. 

# # # Background : On XX/XX/XXXX, I contacted Ingo Money via email to inquire about the status of an open case regarding my account. I received a response stating that my issue had been escalated to the Risk Review team and that I would receive an update within XXXX business hours. However, on XX/XX/XXXX, Ingo Money informed me that they could not verify my identity and, as a result, my access to the Mobile Check Capture by Ingo Money feature would be denied in accordance with their Terms and Conditions.

I then asked Ingo Money what documentation was used in their review process, but instead of providing a clear response, they directed me to call their customer service line, without further explanation. 

# # # Recent Developments : On XX/XX/XXXX, I received another message from Ingo Money stating that, after reviewing my registration information, they were unable to meet their security and regulatory requirements, and therefore could not activate my account. When I asked for a specific reason for this decision, they responded with a general message stating that my issue was once again escalated to their Risk Review team, with a reference number : XXXX. 

Despite their stated XXXX business hour review period, as of XXXX XXXX, XXXX, I have not received any further response or resolution. 

# # # Complaint Details : - Ingo Money has failed to provide a clear and transparent explanation of why my account was denied.

- Despite multiple escalations to their Risk Review team, I have received no meaningful updates or resolutions. 
- I have made multiple attempts to contact Ingo Money and follow up on my case, but my concerns have been repeatedly dismissed or redirected without a clear answer. 
- The ongoing delay and lack of transparency in their decision-making process have caused frustration and inconvenience. 

Request for CFPB Assistance : I am requesting the CFPB to investigate Ingo Moneys handling of my case and require them to : XXXX. Provide a detailed explanation regarding why my identity could not be verified and why my account was denied. 
XXXX. Clarify what specific documentation was reviewed in making this decision. 
XXXX. Address their lack of responsiveness and failure to provide a resolution within the promised timeframe. 

I appreciate your time and assistance in this matter. Please let me know if any additional information or documentation is required.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Chase Bank for failing to comply with California state regulations regarding mortgage forbearance repayment options. Specifically, Chase Bank refuses to guarantee payment options that do not require immediate repayment of unpaid amounts ( i.e., no balloon payments ) at the end of the forbearance period, which is a requirement under California law. 

As a borrower effected by XXXX Fire-a federal declared state of emergency- me and my husband sought a forbearance plan from Chase Bank. However, despite our requests for clarification and compliance with state law, Chase Bank has not assured me of any repayment options that align with the protections mandated in California, which should allow for structured, manageable repayment plans instead of lump-sum payments. This failure places undue financial strain on me and potentially other consumers who are entitled to these protections. 

I request that the CFPB investigate Chase Banks practices to ensure compliance with California law and that affected borrowers receive the legally mandated repayment options. Furthermore, I seek assistance in obtaining a clear commitment from Chase Bank that they will honor the repayment terms as required. 

Please let me know if additional information is needed to support this complaint. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 11 XXXX XXXX XXXX XXXX XXXX )   XXXX**, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX**
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern it was brought to my attention that someone opened a Citibank credit card using my name they have removed it from the other credit bureaus, but from XXXX XXXX they removed it and put it back on. I dont understand that.
Product: Credit reporting or other personal consumer reports

My credit report contains some late payment records that are inconsistent with my usual payment habits. Please correct these errors and update my account accordingly.
Product: Credit reporting or other personal consumer reports

I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
Product: Credit card

Account info Account name XXXX/COMENITY/VICTORIA Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX- I am looking to get this removed out my credit report, I paid this off and will like for it to be removed so my credit can go up. I am a hard worker, and I am trying to buy a house. Please remove this out my credit report. 
Thank you
Product: Debt collection

Im filing this complaint against Jacob Law Group , PLLC for failure to adhere to FDCPA guidelines. Jacob Law Group , PLLC fail to adhere to Regulation F, giving me the opportunity to request for validation of an alleged debt prior to assuming its validity. I have encountered abusive, deceptive, and unfair debt collection practices from Jacob Law Group , PLLC. In accordance with sos.ms.gov ; Jacob Law Group , PLLC is registered as an attorney office. Yet, they are acting as a debt collector, which is a violation under the FDCP for deceptive practices. Jacob Law Group , PLLC has inflated the alleged debt amount with fees in the amount of {$130.00} for court cost and garnishment. The fees and prior order is null and void due to, I was never served a Summons and Complaint to appear in court for this alleged debt. I was recently given a Show Cause Hearing on XX/XX/XXXX XXXX, a new trial date was set for XXXX, XXXX. I requested validation of this alleged debt, which Jacob Law Group fell to provide all requested documentation. XXXX XXXX knowing I was never given an opportunity to dispute this alleged account prior to sending this account over to Jacob Law Group , PLLC. As you can see in the uploaded documents, they recently issued a letter via USPS, given me the opportunity to dispute by XX/XX/XXXX. 
I requested the original contract with the original creditor, Bill of Sale, and Purchase Agreement. So, that I may validate this alleged account properly. Jacob Law Group only sent statements, which does not validate alleged debts in accordance with law. Due, to me not being able to validate this alleged debt, I filed a claim with the Federal Trade Commission as fraudulent account. I have no proof nor prior knowledge of this alleged account ; its not on my credit report. 
Jacob Law Group , PLLC, you are hereby noticed within this complaint. Cease and desist any and all attempts in trying to collect on this alleged debt I dont owe. If I owed this alleged debt in which I, dont it have passed the statute of limitations ( MCA 15-1-29 & MCA 15-1-31 ), forfeiting the rights of collection. Jacob Law Group , PLLC has violated multiple law under the FDCPA, I'm truly loss for words. Jacob Law Group , PLLC has knowingly broken state and federal laws and regulations concerning the collection on this alleged debt with forethought and malice. I have also filed a complaint with our local Attorney General Office upon me submitting this complaint.
Product: Mortgage

On XX/XX/2020 I submitted an application to refinance my mortgage along with required documents to SWBC Mortgage Corporation, NMLS # XXXX. Upon SWBC request, I paid {$500.00} to SWBC for an appraisal. The appraisal was completed on XX/XX/2020. It is has been over 60 days later, and I am still waiting and to no avail. Additionally, I have been asked to re-submit documents I have already submitted because they have expired due to the delay on the part of SWBC. I do not want to wait until the rates go up or continue submitting expired documents.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX 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. The following false information on my credit report has to be investigated, amended, or completely corrected : 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: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX5 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Debt collection

I PREVIOUSLY SUBMITTED THIS COMPLAINT AND IT WAS MARKED DUPLICATE COMPLAINT BY CAPITAL ONE AUTO AND THAT IS NOT CORRECT Ref # XXXX. 

I am writing this due to noncompliance with the CRA ( XXXX & XXXX  ) They have failed to remove information that was affiliated with personal details that were challenged in the past and removed ( my address ). I strongly believe that they are in violation of the FCRA  and are outright refusing to uphold the law.
Product: Credit card

In XX/XX/XXXX, I was fraudulently contacted by a company called XXXX XXXX XXXX, claiming to work with USAA to settle my credit card debt. They instructed me to stop making payments, falsely claiming they were negotiating on my behalf. 

Unbeknownst to me, they fraudulently charged {$13000.00} to my USAA credit card. I was never informed of this charge, never authorized it, and never received any services from this company. 

Upon discovering the charge in XX/XX/XXXX, I immediately contacted USAA to report the fraud and file a fraud claim and dispute. On XX/XX/XXXX, USAA credited the {$13000.00} charge, acknowledging the fraudulent nature of the transaction. 

However, in XX/XX/XXXX, USAA reversed the fraud credit, stating that the dispute was filed outside the 60-day window and that no further dispute options were available. 

Why USAAs Decision is Incorrect : This is a fraud claim, not a billing disputefraudulent transactions are not subject to the 60-day limit under the Fair Credit Billing Act ( FCBA ). 
USAA initially accepted this as fraud by issuing a credit on XX/XX/XXXX, but then later reversed it without proper justification. 
USAA has refused to conduct a full fraud investigation and has instead stated that my only option is to contact the FBIwhich is an improper response. 
As a result of this fraud, my credit report has been negatively impacted, as USAA has refused to remove the late payments caused by the scam. 
Steps Taken : XX/XX/XXXX : Contacted USAA, filed a fraud claim and dispute. 
XX/XX/XXXX : USAA credited my account for the {$13000.00} fraudulent charge. 
XX/XX/XXXX : I made a payment of {$1700.00} toward my account to stay in good standing. 
XX/XX/XXXX : USAA reversed the fraud credit, stating the charge fell outside their 60-day billing dispute window. 
XX/XX/XXXX : I formally escalated the issue with USAA through written correspondence, but they refused to reconsider. 
Requested Resolution : USAA must reinstate the fraud credit of {$13000.00} and remove this unauthorized charge from my account. 
USAA must remove any negative credit reporting caused by the fraudulent charge and subsequent payment delays. 
USAA must provide a full written explanation of why they are applying the 60-day billing dispute rule to a fraud case, which should not be subject to this limitation. 
USAA must conduct a proper fraud investigation, rather than refusing further dispute options. 
USAA is wrongly denying a legitimate fraud claim and applying the wrong legal standard to dismiss my case. Their failure to resolve this issue properly is a serious consumer protection violation. I am requesting CFPB intervention to ensure that USAA follows proper fraud handling procedures.
Product: Mortgage

The issue is complex and is outlined in the uploaded Documents - Illegal Discrimination Claims. 

Thank You XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

your account. 
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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SSN : XXXX XX/XX/XXXX MINLAND CREDIT MANAGEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear MIDLAND CREDIT MANAGEM, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

In XX/XX/2021 we signed a loan with Dividend Finance in the amount of {$8500.00} for work done in our back yard by a contractor. The loan was deferred interest if we paid the full amount within 18 months. we called today XXXX to pay the whole amount and we were told we would have to pay over {$900.00} in interest in addition to the loan amount.
Product: Debt collection

We received a notice from a collections company named Hunter Warfield on XX/XX/2021 for {$7400.00} to XXXX XXXX apartments. We sent a letter the next date XX/XX/2021 stating that we dispute the entire amount. There is no judgment, this is just an assertion based on an unenforceable contract. 

A collector from Hunter Warfield began repeated phone calls to both of our phones and places of employment, as well as emails starting XX/XX/2021. Today, after speaking with him he said that they do not accept the " dispute ''. 

I followed up with another letter letting them know they do not have our permission to contact us and that once again this is not our debt. They can contact XXXX XXXX or refer to their own counsel. 

XXXX XXXX XXXX complex also DBA XXXX XXXX XXXX was given all of the information prior to turning this over to a Collection company that we do not accept this debt. They were given a letter by my attorney as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX there was a Capital One credit inquiry added to my report. I never applied for a capital one in XXXX. I just received and applied for Capital One this year on XX/XX/XXXX. The hard inquiry on my report from XXXX in definitely unauthorized and fraudulent. Please remove this XXXX XXXX from XX/XX/XXXX from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that CB/VICSCRT is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ).