23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Thank you for your recent contact dated : XX/XX/2019.

I wrote to you on XX/XX/2019, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
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 proces 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 XXXX financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Debt collection

Listed an account with XXXX on credit report with open date of XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   and XXXX with balance of XXXX. This is in accurate information the company Convergent purchased the debt after it was discharged off report AND CHANGED the dates to put back on report as if just opened. I have contacted debt agency regarding this to no success. This is illegal to change the dates and amounts.
Product: Credit reporting

The credit report shows some bogus number for the credit usage ( 285 % ) which is completely wrong. It even can not be possible for obvious reasons. The reason its wrong is because the " total credit '' number used in the calculation is wrong ( much lower than it should be ). For whatever reason Experian did n't include some of my credit card accounts ( with low or XXXX balance ) in that calculation. My current credit usage should be somewhere around 30 %. 
This error severely affects my credit score. I have called Experian to correct the error and they promised that that action will be taken within 48 hours and then nothing happened. I called again, once connected I requested the call to be escalated to the manager. After 20 min of being on hold my call got disconnected. I called again, went through the same ordeal of explaining the issue and being put on hold waiting for the call to be escalated. After 30 min on hold I was told to send a screenshot of the error ( as if they do n't have access to my account! ) and was told that they can not give me ANY time frame on resolving the issue.
Product: Debt collection

I received notification for this debt through a credit monitoring service. I have disputed this debt due to lack of notification and proof of debt. Company has not provided any information. Through research I have summoned the debt is from XXXX XXXX  an account I closed in 2014 and paid in full.
Product: Mortgage

XXXX of my home equity line loans was sold to another company. This account is being listed as a derogatory account on my credit report when it should not be.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$82.00} XXXX  XXXX {$30.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts/items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiry Information : Inquiring Company : 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 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 These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance to the Fair Credit Reporting Global Lending Account # XXXX balance {$21000.00}, Open XX/XX/scrub>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  has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told XXXX, XXXX, and Equifax to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

CMG Financial is the mortgage company. 

I have been trying to get answers from my mortgage company about how to submit an appraisal to get the PMI removed ( I dont want to refinance ). I called the company XXXX and used an online chat on XXXX. The customer service agent advised the ONLY way to get answers is to email this inbox XXXX. The agent couldnt provide a timeline on when I could expect an answer by emailing and said just to email. 

I emailed the company on XXXX about my query. An auto response came saying that I needed to allow up to 30 days for a response. It has been exactly 31 days and I still have not received a response. 

The company does not allow phone calls to this department and I have no other recourse. This is an unfair practice. They are not responding timely to inquiries. I am being forced to continue to pay XXXX  when my house value has increased significantly. I want someone to respond to my questions. I want access to the company who holds my mortgage.
Product: Mortgage

On XX/XX/XXXX I opened up my bill from OCWEN to send it off for payment and was shocked to find out that my bill was XXXX more a month. My reaction was pure shock then I pick up my phone and called, was disconnected the first time, seeing I have had several run ins with this company over the course of my loan which has been 11 years XX/XX/XXXX. So over the 11 years I have has several mistakes on their part, like them stop sending me my bill because I filed bankruptcy in XX/XX/XXXX, which took me two years to fix and the gentlemen at that time even admitted they made the mistake. Most of the time when I call OCWEN it is always over seas so I arrived at a point to where I request to speak with someone in the United States I have a hard time trying to understand several of the operators that do not speak clear English at all. After being disconnected I called back at which time I was on hold for 15 minutes during the transfer, after that I spoke with a woman by the name of XXXX ( spelling could be wrong ) # XXXX you see they all have numbers and they should give them to you once they pick up, but they talk so fast I make them repeat it and their names. With the help of XXXX she sent me a file I did not receive and she talked about an ESCROW Evaluation which was done XX/XX/XXXX also on my bill it states ( your monthly has changed to XXXX effective XXXX/XXXX/XXXX further detail regarding the reason for this change will be included in a separate letter ) it never came. The worker # XXXX told me that this company paid school taxes in XX/XX/XXXX to XXXX XXXX XXXX XXXX well I do n't live in XXXX XXXX and my daughter has been going to XXXX XXXX since kindergarten and she is XXXX XX/XX/XXXX. From what they lady told me and from what they County Clerks office said is that this loan company paid taxes to the wrong school district and now they want me to pay for their mistake. I have documentation to prove my case and once I am done here will submit this complaint I will be sending a certified letter stating my next steps if this issue is not resolved and my loan is not back to where it needs to be. I will not pay for what these stupid loan company has done by making me pay for it. I have been dealing with them far to long and hopping in the next few months to do away with them. You see they have changed their names 4 times and when I filed Bankruptcy XX/XX/XXXX they continue to threw it in my face and it is on every bill they send me, you will see from the current bill I have placed in my attachment. 
I need some help with this again they are forcing me to pay for something I did not do, that it is their fault, I do n't run the ESCROW, I depend on the company to do that for me and it looks like they do n't know how to read, talk clearly, or organize my payments. I need for this company to fix their mistake and stop taking it out on me. I have sent a letter stating this and still nothing is done. Please Help Me!! 
Sincerely your XXXX XXXX
Product: Debt collection

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General, and FTC
Product: Checking or savings account

Chase is not allowing my bank statements. 

They are not allowing via online. 
They will not mail. 
They will not provide them to me. 


This isn't a duplicate complaint. 

They have claimed to sent bank statements, but they have not. 

They admitted to restricting access to a settled account. 

They have said payment is optional. 
Then the second response is again demanding payment on a balanced account. 


If this is the same complaint then Chase needs to detail what part of the complaints are similar. 

Not XXXX  a box.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times and ways to have the AZ XXXX child support payments history corrected with the bureaus. Account was never late or with arrears. I have submitted court documents from the collecting state confirming on time payments and a overpayment. The CRB wo n't update and shows 35 missed pay, nets of 120+ days. There is also a loan showing wrong/false information not once but twice both with different data. It 's from XXXX XXXX in South Dakota and states I entered into some loan I have no idea about. I have been trying to get a home but it 's been months with incorrect information reporting.
Product: Bank account or service

I noticed my business debit card did n't work on or about XXXX/XXXX/2016. I had several XXXX dollars available or so I thought. I informed the bank on XXXX/XXXX/2016 of approximately {$9200.00} of fraudulent purchases that I did n't make between the dates of XXXX/XXXX/2016 and XXXX/XXXX/2016 per my statement dates. The bank is consistently denying my fraud claim due to questionable items outside the 60 day period. Please read my detailed statement and other documents attached. My account is overdrawn by almost {$2000.00} and I 'm getting threatening letters that indicate my checking account for closure and collection actions will be taken. There are several bounced checks due to the fraudulent purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX  XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.
Product: Money transfer, virtual currency, or money service

XXXX XXXX my warranty check was deposited by Regional Acceptance. The check was wrote out to Truist Bank. I called Truist Bank and they do not have the check in their records, they said because it was sent to Regional Acceptance which is an affiliate of Truist Bank. Now I have been calling both companies since XXXX of last year and I still have not received my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

yes i had already reported to experian that the adress i had given them was not my address at all, and that someone was using my information and i know this for a fact, i even submitted pictures of the residence who was tryna fraud me, they said they would fix it, i waited a very long time and they put the wrong address on the updated information they disputed for me, im very XXXX because these people already tried to open bank accounts and other XXXX in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB AMAZON XXXX shows up as a hard inquiry on my credit report. I never authorized or applied for a cried card or loan from the. On XX/XX/2023 I called XXXX. I was unable to get past the automatic phone service to speak to a live representative to resolve this.
Product: Credit reporting or other personal consumer reports

I continuously get emails falsely reporting that your credit score has gone up XXXX points! Click here to see the changes it is a blatant lie intended to get me to click on the link and be redirected to their site so they can try and sell me a variety of services and loan and credit card offers etc etc. most of the time my credit has remained the same and in many cases actually gone down. Its a waste of my time and a deceitful lie intended to get a click and more traffic on their site. I would provide a specific date but it is a continuous thing as I get these emails regularly so it seems a common marketing practice that I dont appreciate.
Product: Debt collection

I am currently behind in my payments to Harley Davidson motor corporation. They call my phone 6-8 times a day and will not stop even after I have told them I am trying to get the money. This is starting to borderline the attorney point. If this continues I will seek an attorney and sue for damages and fees.
Product: Checking or savings account

I am a 12 years customer and a US citizen, US Bank Closed my 2 savings and a checking account on the XX/XX/XXXX and XX/XX/XXXX After I realized that I did have not money I called customer service on the XXXX, they could not help me and I went to the branch, After phones call from the Manager XXXX XXXX XXXX in XXXX XXXX branch in XXXX Oregon, she said that were closed for missing information that I did not provided in my direct deposit, they said I work for XXXX XXXX and get paid by XXXX XXXX, I showed her my work ID card and she wrote and email to the main office. I get some letter from US bank asking for those information and I called on time I have probe of that in my phone statement. 
She also told me that my check from my saving account will be mailed overnighted because the amount and the others will be regular mails. I went back to the branch Friday XXXX to ask about my money and a new manager told me after check in the computer that my money was shipped regular mail but could n't tell me why the accounts were closed. 
Wednesday XXXX I returned to the branch and another Manager did the same research but with no solution for me because no checks or letter has arrived by mail, I told them that I will place a complaint against Us bank and they gave me a brochure with the term and conditions, they can close my account for any reason or no reason but letter and checks has to be mailed to me in 10 days, I went back on XXXX but no luck. 
Saturday XXXX I received 2 letters from US bank credit cards telling me that they have elected to close my 2 credit cars that I have in good standing, the day to be closed is XXXX, Today I have received and offer from US bank online and they have increased my line of credit because my high credit score. 
As today XX/XX/XXXX, I have n't received any letter from US bank letting me know the reason for the closure and I do n't have my 2 savings account checks yet. 
I have been struggling with finances, all my bills were paid by friends, I have n't support my family in XXXX since the XXXX XXXX hit the city where my family live. 
US bank have a really bad customer support because no one can tell me what happened, they now will also destroy my credit because they are closing my credit cards. 
I feel very helpless and I would like someone help me in this matter. 
It is ok to close any body account but they have to provide information and the money that is all my life saving. 
I am 15 days with not money because a really bad work at US bank corporation. 
Please any help will be gladly appreciated.
Product: Credit card

After reviewing my credit reports there are XXXX billing errors that are reporting inaccurately. Under federal law 15 USC 1666b open end consumer credit plan. These errors are violating my right as a consumer to XXXX XXXX accurratereoorting and fair credit practices. Please review this law and assist in correcting these billing errors that occurred on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and have them updated.