23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Below is a chain of e-mails. I was supposed to get my appraisal fee refunded and it never happened. It was supposed to happen in 1 day but it 's been 20 days. I want my appraisal fee refunded. 




I have not received the appraisal back yet. When can I expect it to be refunded? 

Check out my XXXX reviews XXXX XXXXBranch ManagerNMLS # XXXX XXXXXXXXXXXXConnect with Prospect : From : XXXX XXXX XXXX XXXX : XXXXXXXXXXXX XXXX Sent : Wednesday, XXXX XXXX, 2015 XXXX XXXXTo : XXXX XXXXCc : XXXX XXXX ; XXXX XXXX ; XXXX XXXXSubject : Re : UpdateI directed the XXXX to return it just now upon your confirmation, it should return to your account tomorrow. 


XXXX XXXX XXXX Chief of Mortgage OperationsCardinal Financial Company, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX : ( XXXX ) XXXX | F : ( XXXX ) XXXX : //www.cardinalfinancial.com/This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error please notify the sender. This message contains confidential information and is intended only for the individual named. If you are not the named addressed you should not disseminate, distribute or copy this email. Please notify the sender immediately by email if you have received this email by mistake and delete this email from your system. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this information is strictly prohibitedOn Wed, XXXX XXXX, 2015 at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Ok when will it get returned? 




Check out my XXXX reviewsXXXX XXXXBranch ManagerNMLS # XXXX XXXXXXXXXXXXConnect with Prospect : From : XXXX XXXX XXXX XXXX : XXXXXXXXXXXX XXXX Sent : Wednesday, XXXX XXXX, 2015 XXXX XXXXTo : XXXX RapaportCc : XXXX XXXX ; XXXX XXXX ; XXXX XXXX : XXXX : UpdateReturning to your credit card/debit card that you paid with. 

I will get the docs redraw/redisclose tonight at 4.625 %. 


XXXX XXXX XXXX Chief of Mortgage XXXX XXXX XXXX, Limited XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX : ( XXXX ) XXXX | F : ( XXXX ) XXXX : XXXX email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error please notify the sender. This message contains confidential information and is intended only for the individual named. If you are not the named addressed you should not disseminate, distribute or copy this email. Please notify the sender immediately by email if you have received this email by mistake and delete this email from your system. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in XXXX on the contents of this information is strictly prohibitedOn Wed, XXXX XXXX, 2015 at XXXX PM, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Ok let 's do that. How is the appraisal coming back? On my debit or in check form?
Product: Credit card or prepaid card

I opened a line of credit with SoFi. I used it a couple times and they froze the account. I confirmed the purchases were made by me ( the account holder ) and is been frozen for XXXX weeks. I've the out to them at least XXXX times with no response.
Product: Checking or savings account

I had a dispute with Wells Fargo about a charge that was made by XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  pacific time {$770.00} I was charged but I only bought {$74.00} worth of stuff from that smoke shop and the cashier at the time charged me an extra {$700.00}. While I was furious when I figured out what happened I returned the next day to the store asking them to refund me or provide me a receipt. Which they couldnt fulfill my request and they told me to contact my bank which I did I disputed the transaction and explained what happened as I explained above and they denied my dispute. Its been months I keep reaching out to the business XXXX XXXX XXXX which is in XXXX, WA to no success trying to get a refund or receipt as they keep telling me contact your bank and they told they know they made a mistake but it was out of there hands now. So I kept calling the bank describing the situation but to no avail and no help they just denied my claim as I was being not truthful in my claim, which I am in disbelief about and need help to resolve this issue as I am exhausted trying to solve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX 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 agency can not furnish an account without my written instructions
Product: Debt collection

Weve asked this company Target, to send us the following through your agency CFPB. They did not give us a signed contract with my name on it, or a pay off disclosure, or interest rate disclosure, or balance history, or payment history, or a copy of a check from me, or credit insurance, all being asked as of XX/XX/XXXX. 
Now they report I opened this account with them XX/XX/XXXX, and that is four yrs and that is the STATUE OF LIMITATION in the State of Pennsylvania where Ive always lived, so this must be removed from my credit report by law and all pursuing of any debt must stop by law!!!
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 procest 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 actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The contract related to the account has been cancelled and is unverifiable please validate this information with the company and provide me copies and documents associated with the account bearing my signature for such charges.I am not liable for any and all 3rd party bill collection accounts as the original creditor has already been paid for such losses through insurance and taxation.
Product: Debt collection

Last week I received a letter from XXXX XXXX XXXX XXXX stating that they are a debt collector trying to collect a debt that I allegedly owe LVNV Funding LLC.

I do not owe LVNV Funding LLC anything. I have never had any contract with or obligation to them. I dispute the entirety of the alleged debt. This is my formal notice to them to cease and desist all contact with me ( including spouse and family members ) from all sources other than the US Postal Services and that is if and only if, it is : 1 ) To provide documentation that validates the alleged debt, which should include all official, certified, unredacted documents, including all forward flow agreements, as well as the alleged original creditor information 2 ) To provide proof that I have any legal obligation to pay you or LVNV 3 ) To inform me that you have zeroed this alleged debt and disassociated it from me 4 ) To inform me that you have removed all references to the alleged debts account number from all credit reporting agencies and that you have informed them to delete the same 5 ) To inform me that you have complied with this cease and desist and that you will not sell this account to another debt collector and/or 6 ) To inform me that you have issued settlement funds for violations for actual, civil, and/or statutory damages in an amount that is to be determined.
Product: Credit reporting or other personal consumer reports

I had requested the reporting agencies to remove the following accounts due to identity theft roughly 60 days ago and they have not removed it. Since then I have filed another Identity theft report to remove this false information. I did not consent to this information being on my report and I have revoked consent to get this information removed. The accounts goes as follows XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX  Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, Pursuant to my rights under the Fair Credit Reporting Act ( XXXX  ), specifically Sections XXXX ( XXXX U.S.C. XXXX ) and XXXX ( XXXX XXXX. XXXX ), as well as the Fair Debt Collection Practices Act ( XXXX  ), specifically Section XXXX ( XXXX U.S.C. XXXX ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$0.00} Date of XXXX
Product: Vehicle loan or lease

Please process my following letter as a complaint against US BANK. Please investigate the issue and provide me with copies of any responses you receive. Thank you for your attention to this matter and all that you do for consumers alike. 

Re : Dispute of alleged deficiency balance ; Account # : [ XXXX ] Dear US BANK : You are reporting and attempting to collect an alleged {$3900.00} deficiency balance. Please be advised that I dispute the legal validity of the alleged deficiency balance. Verification of the alleged debt is requested, specifically, a copy of all signed contracts with the original creditor and all legal notices sent on this alleged account. You are attempting to collect a deficiency balance that I am not obligated to pay. Specifically, you have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. As per the law, cease and desist all collection activity, including all credit reporting. Promptly request deletion of all any credit reporting to credit reporting agencies. Write or email me once to confirm your compliance with my demand within 14 days. This letter is as a complaint to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this issue and receive any related information. If you fail to comply with this letter, I may turn the matter over to an attorney or sue. 

Sincerely, XXXX XXXX XXXX SSN : XXXX
Product: Student loan

I have paid about all my debt to the school I have {$400.00} left to pay off I have proof of payment from my statements and history of it on the website
Product: Debt collection

I received a letter from XXXX about a A T & T bill that is not mine. I have never had an account with A T & T now or at any time. 
I have written to them saying the debt is not mine. I have also gone online and found that this collection agency in Florida has many consumer complaints for the exact same thing. They try to collect a debt for A T & T for a debt not owed. 

They asked that I pay half of the debt XXXX. Reference number XXXX
Product: Credit card or prepaid card

I have two CITI credit cards. One is the CITI Costco Anywhere Card and the other is a CITI Diamond Preferred Card. Earlier this year they lowered my available credit limit on the COSTCO anywhere card, cutting the available credit line down by thousands. I contacted them and they told me there was nothing they could do and it was based on credit reporting. Now, I have received a credit limit decrease on the CITI Diamond Preferred Card. I was told again there was nothing they could do, I would need to clear it up with XXXX  it was decreased based on credit reporting. None of my accounts on my credit report are negative, I have a 100 % payment history on ALL accounts, and until there decreases had on the Costco card {$3000.00} available and on the Citi Diamond card {$740.00} available. Now those cards have an available balance of between {$100.00} and {$200.00}. Again, I have not missed any payments and have been working on paying those cards down, the company says they can NOT help me and I must take it up with the credit reporting agency. I have made no new charges on the CITI Diamond Preferred and have paid on time, with the available credit increasing each month, until now when they suddenly decreased it setting me back. This has a huge negative impact on my credit rating which i am attempting to repair after undue expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am been a victim of identity theft since 2018 i have complied with everything that was asked of me from police reports to ftc report to sending numerous or letters i may have sent over 300 letter to the company and nothing has been done i am a victim it would make since for items to match up with my information if someone has stolen my identity everything keeps coming back verified that would be correct with stolen identity
Product: Checking or savings account

Good afternoon. 
I was contacted by a client named XXXX XXXX via a messaging app on XX/XX/year>2024, to provide XXXX XXXX XXXX. This included the creation of a visual identity for his brand, such as logo design, colors, mission, and vision. The client offered to pay the full amount upfront via XXXX checks. The checks were sent to my email at XXXX, and I deposited them on XX/XX/year>, at XXXX XXXX 

I have previously received checks without any issues, so I did not suspect that these might be fraudulent. After the first check, for {$700.00}, was returned due to insufficient funds, the client stopped responding to my messages. I later blocked him when I realized I was being scammed. 

I was never informed that I should have visited the bank before depositing the checks, and I simply followed the same process that had worked before. The bank 's decision to close my account has been unjust and has caused me significant harm, as I was a victim of fraud. I am requesting that my account be reinstated, or at the very least, that this incident be removed from my banking record to avoid further harm to my financial standing with other institutions. 

I have always conducted my business honestly and professionally, and I expect my rights to be upheld. 

Please and thank you, XXXX XXXX.
Product: Debt collection

On XX/XX/2021 I was checking my consumer credit file and noticed an account from RMP LLC for the amount of {$340.00}, I never recievd any documents from this company stating I owe them anything. They have violated mutiple laws including 15 U.S. Code 1692e.False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
Product: Credit reporting or other personal consumer reports

This is my XXXX  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 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 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: Credit reporting, credit repair services, or other personal consumer reports

Ive identified information and accounts on my personal credit. these accounts and transaction were not made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not provide name, contact information or documentation for the data furnisher in response to my Method of Verification Letter.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 

*My name is : XXXX XXXXMY middle name is : XXXX XXXXMy last name is : XXXX XXXXMy Social Security number is : XXXX *My address is : XXXX XXXX XXXX, XXXX, FL XXXX *My date of birth XXXX XXXX  security freeze
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Iamavictimofidentitytheftandthisdebtdoesnotbelongtome.Pleaseseetheidentitytheftreportandlegalaffidavitattached.
Product: Checking or savings account

I have gotten the police report started. I have been informed to make a complaint with the IC3 FBI complaints department regarding this account. 

I'm extremely concerned that Chime Bank has refused to share any information with me relating to this matter. I have provided my personal information, that would be required to open any traditional bank or credit accounts -- I have verified, with your support department, that my DOB and SSN matches the information already on file with an open ( and assuming active ) bank account with your bank. 

I had explained that I attempted to open an account sometime in XXXX and I was denied. I was curious as to why I was unable to open an account and followed up a few months later, after attempting again to open an account with Chime. 

After the second attempt, I contacted your support team and have had numerous communications via phone call and email, extremely concerned that my information has been provided to you by another person. 

Officer XXXX, who is overseeing the investigation, asked for other information from me regarding this account. The only information I could offer him was that I was denied an account with Chime Bank after Chime Bank notified me that I had already had an open account. 

Chime has refused to cooperate with me, personally as a consumer, to ensure they are doing what they can to help protect my identity with the information they have shared with the offending party. I do not know what Chime Bank has regarding details about me that a fraudster may have used to open this account. 

See the attached report. I will follow up with the IC3 Complaint information next.
Product: Checking or savings account

To Whom May Concern, This is XXXX XXXX XXXX. I have been a client of Bank of American since year XXXX. I have checking, saving and 2 credit cards account with BOA. 
In XX/XX/XXXX, BOA decided to closed all of my account without explain the reason. I never overdraft and I always make payment on time. 
I doubt the reason they close my account and refuse to open a new account for me. 
I hope you will be able to help me out. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries from XXXX XX/XX/2019 its XXXX hard inquiries in total with equifax XXXX have tried to get it removed I reached out and no one willing to help me solve my issue
Product: Debt collection

On XX/XX/XXXX, the owner of this small business signed a contract with XXXX XXXX XXXX that agreed to them helping to file the XXXX ( XXXX XXXX XXXX  ) with the IRS for XXXX and XXXX. That agreement stated that upon any credit or refund being issued to the business, we were to provide XXXXXXXX XXXX  proof of the credit or refund and they would send an invoice for 25 % of the recovered or credited amount. On XX/XX/XXXX, the business email received a " congratulations on the receipt of your XXXX '' email with a dollar amount owed as well as banking information to send payment to. At that time, we responded to said email stating we had no refund or credit notice and to provide proof of this. On XX/XX/XXXX, we called and spoke to XXXX XXXX ( XXXX Account XXXX of XXXX XXXX  ) and XXXX XXXX recapped this conversation in an email. It states " XXXX on our monitoring from the IRS the check was paid towards back taxes and or other IRS penalties back on XX/XX/XXXX. In total, you qualified for XXXX quarters totaling roughly X amount. He directed us to contact the IRS for more information. We did so and no agent was able to see a credit or refund, nor has the business received any notifications by mail directly from the IRS at this time. The email demands then continued coming from Innovation Refunds, specifically XXXX XXXX ( Account XXXX ), and starting XX/XX/XXXX XXXX XXXX from Greenberg, Grant, & Richards began calling both the owner and the owner 's wife ( who is not nor has ever been an owner of the business ). He also stated that XXXX had some proof from the IRS and provided us with a dollar amount owed plus late fees, interest, and collection fees. The same conversation was had with XXXX XXXX to stop calling the owner 's wife, that proof was required by law before demand of payment could be made, and that the IRS was not able to provide us with any credit or refund information so no amount was due at this time. We also asked him to stop calling until said proof was legally provided to us. Phone calls and threats have continued being made to both the owner and his wife, who again has no legal connection to the business. Demands and now threats of " further legal action '' have been made.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Ink. ) due to inadequate customer service and unfair practices, which violates 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 their violations.