23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

NOTICE OF PRIVACY VIOLATIONS AND DEMAND FOR COMPLIANCE Re : XXXX XXXXXXXX XXXX XXXX  accounts # XXXX and # XXXX I am disputing excessive sharing of private transaction history while maintaining positive account status : Account Details : XXXX. Account # XXXX - Opened : XX/XX/XXXX - Current Balance : {$2500.00} - Last Reported : XX/XX/XXXX XXXX. Account # XXXX - Opened : XX/XX/XXXX - Current Balance : {$21000.00} - Last Reported : XX/XX/XXXX Legal Basis for Dispute : XXXX. Privacy Act ( XXXX XXXX XXXX ) Violations : Section XXXX ( XXXX ) ( XXXX ) requires " only such information as is relevant and necessary '' Detailed transaction history from XXXX exceeds necessary requirements XXXX demonstrated business necessity for historical details XXXX. FCRA ( XXXX XXXX XXXX ) Violations : Section XXXX ( a ) ( XXXX ) ( A ) prohibits furnishing excessive information Current reporting exceeds standard credit reporting requirements Violation of reasonable procedures requirement XXXX. CFPB Regulations : XXXX XXXX requires accurate, necessary information only No compliance management system demonstrated No privacy protection procedures shown XXXX. Legal Precedents : CFPB XXXX XXXX XXXX : Requires limited scope of reportable information XXXX XXXX XXXX : Establishes standing for privacy violations INCOME REPORTING VIOLATIONS : A. IRS XXXX Section XXXX ( a ) ( XXXX ) : " Gross income includes income from discharge of indebtedness '' Charge-offs are XXXX debt XXXX debt becomes income Income can not be reported on credit reports B. XXXX XXXX XXXX : " Any applicable entity which discharges indebtedness of any person during any calendar year shall make a return '' Requirements : Form XXXX must be issued Debt must be reported as income Can not be simultaneously reported as active debt XXXX IRS Publication XXXX : Specifies : Cancelled debt is income Must be reported for tax purposes Can not be treated as outstanding debt FCRA ( XXXX XXXX XXXX XXXX a ) ) : " If any person takes any adverse action ... the person shall provide notice '' Violation : No proper adverse action notice provided ECOA ( XXXX XXXX XXXX XXXX d ) ( XXXX ) ) : Required statement of specific reasons not provided PRIVACY ACT VIOLATIONS : For accounts : # XXXX Opened : XX/XX/XXXX Balance : {$2500.00} Status : Must be removed as income # XXXX Opened : XX/XX/XXXX Balance : {$21000.00} Status : Must be removed as income
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in a letter to the company requesting several accounts to be verified, updated or removed that were reporting to my credit. These accounts, are reporting incomplete, inaccurate and unverifiable information. The company refused to properly investigate these debts and also inform me of the outcome of their investigation. Furthermore, the company did not update the inaccuracies reporting to my credit file. 

This information has negatively impacted my credit report and the company has refused proper investigation, verification and/or removal of these inaccurate accounts.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX2020 a payment of XXXX was charged to my cash app for a puppy and shipping of which i never received. I immediately contacted the seller to request my money back and received no response. I contacted cash app support via email and explained the situation that same night cash app support remotely set up a false XXXX XXXX bank account and retrieved another XXXX from my legit bank account. I contacted my bank and canceled my debit card and stopped all payments from cash app moving forward. For the past two months Ive been trying to get my month back from them Ive even filed a dispute with my bank and cash app has refused to respond. However Ive been in constant contact via cash app support which is a complete joke of customer service because all they do is send generic emails saying theyll open a claim i respond with the necessary information then i get an email from a totally different member of cashapp support. Every email comes from a different member and their end verdict is always they understand that its fraud however theyre not gon na give me my money back they told me to contact the seller which I have multiple times and have received no response they can see that at their end but they dont want to give me my money back theyve also told me that the seller didnt complete the necessary steps to except my money yet its proven by my bank to have been taken out of my account the false XXXX XXXX bank account that they set up and again fraudulently stole another {$120.00} from me they tell me theyll open a case I provide the information then another person from cash app support emails me and asked me to provide the information yet again when I tell them that I already provided it and they need to look back in their records then they close the case on me Ive gotten nothing but the runaround from cash app theyve stolen {$1000.00} for me acknowledge it to be fraudulent and yet tell me that theres nothing that they can do about it essentially because theyre the ones who stole my money. This is completely unethical and far customer service its fraud and i want my money back. I have every email thread since XX/XX/XXXX20 cash app has done nothing but dig themselves a hole. Ive already filed a claim with XXXX  who told me to escalate it to the federal trade Commissioner and you guys. I honestly just want my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

all credit reports XXXX XXXX XXXX equafax I have requested from all three have never send me an credit report from all three threw annual credit report I have not heard an respone at all my name is XXXX XXXX I have asked them constanly haven't heard nothing I want to file an compliant on all three agencies
Product: Checking or savings account

XX/XX/2017 BANK OF AMERICA - I was a victim of a check fraud scam ( from a guy I went to High School with, told me he registered for college in Florida and then moved to XXXX, XXXX and that they college would not send the check there, he needed someone to accept the check and pay his XXXX account ). ( I wasn't working many hours, and needed the extra {$100.00} he was going to let me keep out of the check amount, thus I fell for this scam ) and they will not remove the red flag they have put onto my name. I wrote them, with full description of what happened, the persons name of whom scammed me ..and they sent the rejection letter to my old address and were rude about getting me a copy of the letter after not looking into it. They received my letter and within 1 day refused and rejected my request without explanation.
Product: Checking or savings account

Did a deposit through banking app on XX/XX/XXXX, called on the XXXX to see why it was on hold, they said if it doesn't go through by the XXXX, they were closing the account. 

Despite the ETA of XXXX for the closed account, they didn't close it until XX/XX/XXXX, per my conversation on the XXXX. Rep said they would I should RECEIVE the check and closing statement on the XXXX. 

I called today the XXXX and they said they SENT the check on the XXXX, did not overnight per my request, and said 5-7 business days.

I understand that I moved to Texas and this is a Michigan bank. I understand that the likely reason is due to acct inactivity. What I don't understand is if they knew they were going to close the account by the XXXX, why am I not receiving the check until a month later? 

Personally, this was a gift from my mother to pay my first months rent after recently being homeless. If I didn't pull strings, I would have been evicted. 

It's cruel to hold on to someone's money unnecessarily. They knew they were going to close the account, they should have never accepted the deposit.
Product: Debt collection

To Whom It May Concern, XX/XX/XXXX I took out a payday loan at XXXX XXXX XXXX XXXX. I took out a loan for XXXX I Miss a late payment. I paid the entire loan off In XX/XX/XXXX. I have receipt to prove my merits On this matter.
Product: Credit card

On XX/XX/XXXXXXXX  while vacation in XXXX, MO we attended an owners ' meeting and a man named XXXX XXXX sold us ownership in XXXX XXXX XXXX for {$3900.00}. This company was supposed to rent out any unused XXXX XXXX points and pay us for them. 

After receiving our XXXX XXXX points in XXXX, I contacted or attempted to contact XXXX XXXX to find out how to proceed. I called the numbers provided on XXXX XXXXXXXX XXXX business card but the numbers are no longer in service ( XXXX and XXXX ). I also emailed XXXX and that address does not exist. I contacted the executive offices of XXXX in XXXX where we supposedly purchased ownership with XXXX XXXX and they informed us that XXXX XXXX had been fired. 

I had no way to get in touch with this group and I contacted the credit card company to which the {$3900.00} was charged and informed them that this was a fraudulent charge and that we were unable to contact anyone ( even the info provided on the charging line of the credit card statement ( XXXX ) and that we had not received any services from them for which we had paid. The card is a Barclays XXXX XXXX card. Barlays immediately issued a provisional credit for the {$3900.00}. 

On XX/XX/XXXX I received a letter from Barlays indicatingthat indicated that they had received a response to validate the transaction and that the merchant had not violated the terms and condidtions of the sales agreement and that the {$3900.00} would be reapplied to our account. 

Again this morning XX/XX/XXXX I attempted to contact XXXX XXXX using the email address provided on the contract and received a reply that the address does not exist ( XXXX ) and I called the phone number provided ( XXXX ) and the number has been disconnected. 

I am going to provide this additional information to Barclays and continue to protest the charge because evidently either this company does not exist or has gone out of business because WE HAVE NOT RECIEVED ANY SERVICES that this contract provides.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. I did not approve it to reflect on my credit report. I believe I am a victim of identity theft. I have a security lock on my credit report and was not informed or alerted of this unauthorized items. 
I have reported the theft of my identity theft to Federal Trade Commission 's, please review the enclosed copies of the Federal Trade Commission 's identity theft Affidavit in regard to this incident ( ftc report # XXXX ). In addition I have attached pdf document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. These items are fraudulent and they have devastatingly impacted my relationships with creditors. Please investigate these matters and remove/delete the disputed items as soon as possible. thank you
Product: Debt collection

Company is claiming I owe debt I never heard of, received mail on XX/XX/2022, I have disputed debt online and with a letter from your site. There is no way to verify any of the information I have never had any loan with a company they are claiming I had a loan with. This is a scam. Company name Debt Recovery Solutions , LLC.
Product: Consumer Loan

My husband and I went through the miles program to finance a vehicle in XX/XX/XXXX. My husband is active duty XXXX We went on paying through our military allotment for over a year. XXXX day it was shut off with no notice at all while my husband was XXXX. Next thing you know, we are XXXX payments past do and up for repossession. I called them asking what this was about and they said they no longer do payment to through mypay. I was n't able to catch up. We have XXXX children and there was no way we can pay all of that up front. We started paying as much as we could but no matter how much we payed, they would take off and continue to put on the repossession status. To this day, we are still behind on these payments to but we took our vehicle in to see the worth and they had over charged us for this vehicle to start. Adding on all these random fees. We need help and I do n't know who to go to. We paid for a XXXX Kia Sedona in XX/XX/XXXX with the miles program and it was set at XXXX XXXX. We are still paying to this day and it 's still around XXXX XXXX we owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received an updated Equifax credit report and found that I continue to be plagued with inaccurate accounts. This dispute is pertaining to the account listed by the debt collection company XXXX XXXX. 

On XX/XX/2018 I sent a debt validation letter ( attached item A ) to XXXX XXXX requesting several items of information including any copies of documents proving my agreement to such debt. I never received any documents proving that I agreed to this debt. I only received information on how they calculated the amount due ( attached item B ) and a statement. XXXX XXXX never sent me anything that could verify that the account belonged to me. 

On XX/XX/2018 I sent a dispute letter ( attached item C ) to Equifax detailing the situation and provided them with the documents that were sent to me from XXXX XXXX. After Equifax conducting their investigation, I was sent an updated credit report and the account listed by XXXX XXXX was still deemed as verified. How is that possible? How was Equifax able to verify the account? 

According to the Fair Credit Reporting Act, credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract on any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

This negative account has directly caused me great financial distress which includes being denied credit and offered unfavorable credit terms. 

My demand is the immediate and permanent removal of this inaccurate account listed by XXXX XXXX on my Equifax credit report. This is my final attempt at a resolution with Equifax regarding this matter before I retain a consumer protection attorney and present my grievance in a federal court.
Product: Debt collection

Received a collection notice from Credit Collection Services on X/X/2017. The notice identified XXXX XXXX XXXX XXXX as the creditor and the amount was {$24.00}. I have never had XXXX XXXX so I contacted them first. They confirmed that I have never had any type of XXXX XXXX  and that there was no debt. That call was on X/X/2017. When I called the Credit Collection Services on X/X/2017 they said the amount was paid in full and no further action was required. I never made a payment.
Product: Debt collection

In about XXXX I had a credit card through XXXX  XXXX XXXX. I accumulated about {$3000.00} in debt. 
I lost my job and had trouble finding another. 
The debt went to collections. 
I paid collections for this debt. I thought I paid it off. I never received a confirmation letter. 
In XXXX this debt poped up again and Sunrise Credit Services INC has been collecting money from me again. 
I reached out to XXXX  XXXX XXXX and they referred be back to Sunrise Credit Services. 

When I got a car loan in XXXX I was told the debt didn't show up on my credit report that the account was closed. I should not owe anymore money. 
Sunrise insists that I owe the money. 
I continue to pay on this debt. there is no interest being charge to me but it is {$50.00} per month and they are taking advantage of me.
Product: Mortgage

I applied last XX/XX/XXXX to refinance to take advantage of low interest rate. I file the application online. The loan officer ask for some documents needed and I submitted it. They even said that we will be closing the loan on XX/XX/XXXX. I keep on waiting and I didn't hear anything from them. So I called the loan officer to follow up and told me that it is forwarded to Underwriting. I waited again and never heard of any updates. So I called the loan officer again to follow up. Then all I know they pass me over to another person then e-mailed me to introduce themselves and asking documents that I already sent. XXXX comes and I am expecting for the signing to close of the loan. They hand me over to another person and asking same documents that I already submitted and telling me that we close the loan on XX/XX/XXXX or sooner. XX/XX/XXXX came and pass me over to another person and asking some documents again and I really XXXX and told her why keep on asking same documents which I already submitted from the very beginning of my application. She told me that it already expired. Of course it expired because the process was moving like a turtle. So I submitted again documents she's asking and told me that we'll signing the documents for the closing. It is recorded. The schedule of the Notary to come over to my house is XXXX XXXX  pacific time today XX/XX/XXXX. Now it's XXXX and nobody showed up. 
Hoping for your kind consideration cause I am so frustrated with this XXXX XXXX. I've been buying homes and doing refinancing and never in my experience this kind of situations. 
Thanks
Product: Credit reporting or other personal consumer reports

Contract Callers Inc. furnished information on my consumer report. I contacted them about the account and told them it was not my account and to stop reporting. They have sent me a form asking me for my personal information ( driver 's license/SSN ) to send back to them and also a Identity Thief report in an affidavit form within 30 days. I don't feel comfortable sending my personal information to this company. Please look into this issue as i have grave concerns.
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 Practice 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 process requirements under the Electronic Fun Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Mortgage

I received a letter from my homeowners insurance company on XX/XX/XXXX that they wont renew my policy and it will expire XX/XX/2023. Pennymac thought it was a cancellation ( even though letter clearly states my policy isn't cancelled and it will just be a nonrenewal at the end of the policy period ) however my agent and myself notified Pennymac of the changes in XXXX so they are aware. I am attaching proof that I had coverage during XXXX and there was no lapse in coverage. 
At the end of XXXX, I received a letter from Pennymac stating I need to show proof of HOI coverage date XXXX because it shows I didn't have it. I initially emailed them ( will attach proof ), the messaging center could not help. So I called them in XXXX to sort it out and state I did have insurance during that time period. The agent from Pennymac called the insurance company to verify and assured that it was resolved. In XXXX, I received a final notice stating I need to show proof of coverage or they will purchase lender provided coverage of {$3200.00}. ( I'm not understanding why because I contacted them several times ). I ended up faxing the information AGAIN to them on XX/XX/XXXX ( I will attach proof of fax ). They never reached out but they said they received the documents in my account info. I thought it was settled until Pennymac proceeded to DEFRAUD me and take money out of my escrow in the amount of {$3200.00} on XX/XX/XXXX for their preferred mortgage lender even though I showed proof several times that I had HOI and no lapse in coverage. 
I didn't get a notification that they did that until yesterday, XX/XX/XXXX in which I called Pennymac. They said they will get it resolved and refund me the {$3200.00} and cancel the preferred lender policy, I asked for proof that this was done and they stated i will get an email. HOWEVER today I received an email stating my account policy can not be updated. I am frustrated regarding this unresolved issue. Not only that Pennymac DEFRAUDED me and stole money out of my escrow account and ignored all the proof that I had an active XXXX policy,
Product: Checking or savings account

my account was being deducted without my authorization for a program better me that was canceled through XXXX XXXX services. Because there is no way to communicate with a live agent when there is a problem with a XXXX XXXX payment i started the dispute with Navy Federal and when Navy Federal sent me a link to upload supporting documents for my dispute to my email. I uploaded the cancellation confirmation XXXXXXXXXXXX XXXX XXXX  provide as well as a copy of the program showing canceled but navy federal did not process the dispute nor communicated with me other than telling me my claim was denied. The reason they gave was i never provided them any documentation to back up my dispute and that is not true i also have confirmation the documents was submitted to them 2 different times Navy Federal has not resolved my other 2 cases as well, nor have i received a temporary on 1 case where the merchandise was returned the tracking shows delivered. and the 2nd case the merchant did multiple charges i provided documentation on those as well. XXXX, XXXX
Product: Debt collection

CONVERGENT OUTSOURCING, INC. is refusing to remove a collections report from my file. I do not owe Convergent Outsourcing any money. I never paid Convergent Outsourcing any money. I have been trying since the XX/XX/XXXX to get this collection removed from my credit reports. I have filed two disputes. Convergent blocked the disputes because they keep telling the credit report companies that I paid them money when I did not. My account with XXXX XXXX is closed. XXXX said that I don't have a file with them and that I need to clear the matter with Convergent. Convergent says I need to clear the matter with XXXX. Convergent lied and says that I communicated with them about this account two days ago ( XX/XX/XXXX ), which is impossible as that was a Sunday, and I never called them anyway. Today ( XX/XX/XXXX ) is the first day I have ever contacted Convergent because I was told to do so by the credit bureaus and XXXX.
Product: Debt collection

There is a collection ENHANCEDRE company that claims I owe a past due debt to XXXX however this was reported by another company XXXX of which removed it from my credit report with XXXX on XXXX XXXX 2015. ENHANCEDRE does n't have any contact information on XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and unauthorized inquiries listed below that have appeared on my credit report as a result of identity theft. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have no idea what this debt is and never heard from this company. I was never notified of this debt it does not belong to me they are reporting a open balance of XXXX to my XXXX  this ccs collections