23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such  repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I set up an overdraft protection account to stop overdraft fees, yet they called it a " line of Credit '' AFTER I set it up and went through the application process. 
THey charged me over {$350.00} in fees. 
After many phone calls, they said that they would agree to give back all but {$150.00} an that was their policy .... 

I think I should get all of those fees back as I am a long time customer and have many accounts with them including an very old {$5000.00} overdraft protection plan! 
I communicated this in person at the branch too so the Branch manager new exactly my intent and goal to do banking with out the fefar of huge fees. 

So i had to pay for a new account AND the fees too! 

I get I can bank elsewhere but isnt that wring to lead a customer on and let them think they are all set and protected against aggressive fees?
Product: Mortgage

I had been receiving numerous unsolicited phone calls from XXXX so on or around XX/XX/XXXX I finally returned the call to find out why they were calling me. I discovered that it was Loan Depot and their agent XXXX XXXX wanting to " assist '' me in refinancing my 6.5 % home loan with the VA. I explained that yes I was a " vet '' with a XXXX as well as an XXXX XXXX as a XXXX XXXX BUT my era was post-XXXX XXXX and that after XXXX fell there was a surplus of XXXX XXXX  's so a status of " XXXX XXXX '' was where we could opt if we ranked highly in our graduating class, which I did. XXXX assumed that I would certainly qualify for a VA loan even though I told him " Okay but I have my doubts '' Then before even see where my XXXX information left me with the VA, they sent me all the necessary documents, which I did sign and submit. They then deducted {$420.00} from my bank account for the " appraisal '' without telling me. Within the week, they then discovered that as I had suggested, I was turned down by the VA as I did not have enough XXXX XXXX to qualify for that benefit. Therefore, THEY immediately canceled the appraisal. The appraiser,  told me that when he returned to his office and was working on it, he received the e-mail to cancel it. 

Now, Loan Depot is refusing to refund my {$420.00} fee even though they jumped the gun by  charging me BEFORE verifying my eligibility for such a loan even though I told their agent XXXX I had my doubts. XXXX 's loan processor, XXXX XXXX, e-mailed me and told me that she had been told by her manager that all I had to do was call the VA to clarify the situation, which I did on XX/XX/XXXX with my case # of XXXX and spoke with a XXXX about it. XXXX confirmed that I did not qualify due to my lack of XXXX XXXX time. I informed XXXX XXXX about that phone call on XX/XX/30 at XXXX XXXX EDT. 

It was shortly thereafter that I learned, after an exchange of e-mails and phone calls, that Loan Depot had indeed canceled the appraisal because they now confirmed that I did not qualify for a VA loan. 

Now, they refuse to refund my {$420.00} even though the appraisal was never completed of submitted. I spoke with a XXXX XXXX who said the he would check into whether or not they had been charged by the appraiser and perhaps refund my {$420.00}. 

" Perhaps '' is not good enough for me. I am on a fixed income and their taking that {$420.00} without notice and without first confirming my eligibility for a VA refinance loan puts this totally on their shoulders. 

I am requesting that you intercede on my behalf and XXXX XXXX XXXX so that this does not happen to other senior citizens and veterans such as myself and force them to refund my {$420.00} fee. This is totally on Loan Depot 's mismanagement as well as their agents, not on me, XXXX XXXX. 

Thank you in advance!
Product: Payday loan, title loan, personal loan, or advance loan

I dont know exact dates of acquiring the loan right off. But I do know one main financial provided a loan to pay off an auto loan I had on a used truck, and then at some point offered way more than its value for it to be collateral. At this point in time I was struggling mentally with my XXXX as Im a XXXX veteran. To which I wasnt thinking clearly about what was being offered or being taken advantage of. My credit was doing good and I knew the truck I had wouldnt last much longer as it had over XXXX miles on it. So I went and got approved for a new truck, that being said the one main payments were almost XXXX a month I believe. So I decided to let one main fall back because of the financial mess they put me In with a XXXX truck with XXXX miles with XXXX debt. So now theyre reopening a closed charged off account on me that dropped My credit almost XXXX points. Theyre misleading and Im not able to move forward with a good credit health because of them. XXXX at auction and left me with the excess of XXXX plus in debt. I feel Ive been taken advantaged of and been done dirty ever since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Additional information has been received from the credit bureau ( Equifax ) after submitting a dispute challenge letter to the company over 45 days ago. The company has finally responded. ( Please see an attachment for further details. ) In my disputed challenge letter : XXXX XXXX XXXX XXXX   XXXX ) was disputed and challenged for reporting multiple inaccuracies and violations. 
In response report : Equifax still continuously reports inaccurately and is in violation. 

( Please see in attachment ) Equifax reports : XXXX XXXX XXXX XXXX report a past due amount on a collection account. This is a violation : as a result this account must be deleted. 

( Please see details in attachment ) Equifax reports : XXXX  XXXX XXXX  XXXX reports that this account was open on XX/XX/XXXX. This is a real aged account. There has been no proof of payments made to the collection agency. As a result this account is reaged and is in violation : as a result this account must be removed effective immediately. 

( Please see details in attachments ) Equifax reports ; XXXX  XXXX   XXXX  XXXX  reports first delinquent date of XX/XX/XXXX but also reports opening date of XX/XX/XXXX. How can this be accurate?? 
This is a violation ; as a result XXXX  XXXX XXXX XXXX  must be removed from my Equifax report immediately. 

XXXX  XXXX XXXX XXXX- is currently in violation for reporting multiple inaccuracies. ( Please see for the details in attachments ). 

Equifax currently reports : XXXX XXXX XXXX XXXX  has a past due amount of {$17000.00}. This is a violation : a past due can not be reported on a closed/ collection/charged off account. As a result XXXX XXXX XXXX finance must be removed from my Equifax credit report immediately. 
( Please see attachments for further details XXXX Equifax currently reports : XXXX XXXX XXXX XXXX  with late payment status after account has been closed/ charged off/ collection. This is a violation : as a result XXXX XXXX XXXX XXXX  must be immediately removed from my Equifax credit report. 

( Please see attachment for further details ) Equifax currently reports : XXXX XXXX XXXX XXXX  has a monthly payment of {$680.00} per month. This is inaccurate reporting any violation. As a result : Equifax must remove XXXX XXXX XXXX XXXX  from my credit report active immediately. 
( Please see attachments for further details ) Equifax currently reports that XXXX XXXX XXXX XXXX was open in XXXX of XXXX. But does not report any payment history from XXXX. Of which may indicate statue of limitation proceedings on this account. This is a violation : as a result XXXX XXXX XXXX XXXX  must be deleted from my Equifax credit report effective immediately. 
( Please see attachments for further details ) Equifax currently report last payment date of XXXX XXXX. This last payment date can not be verified by either the original creditor or Equifax. This is inaccurate reporting and a violation. As a result this account must be removed from my Equifax report effective immediately.
Product: Debt collection

This bill was paid XX/XX/2019 this company has been viciously and maliciously attacking myself and my credit. I had to hire an attorney to help me deal with these people at CBM  and CB1 collections " same company '', this bill was off my collections in XX/XX/2019 and just recently showed back up. this bill was paid directly to cb1 on XX/XX/2019 in the amount of {$190.00} this needs to be removed from my credit or show as paid in full. this company needs to be looked into for harassment and bad practices of peoples credit.
Product: Credit reporting or other personal consumer reports

Yesterday, XX/XX/year>, I received an email from XXXX XXXX stating my score changed. I logged in and saw that my XXXX account had closed and opened a new one. XXXX sent emails in XX/XX/year> to state they would still be the service agency handling my loans but they were internally updating the platform to a new URL. If there is an internal platform upgrade, I understand that this should not cause my account to close and reopen, which will adversely affect my XXXX XXXX. Because XXXX will continue to be my loan service authority and not a new service agency, this should NOT have affected my credit score at all with an internal system upgrade. 

XXXX should have either stated in their emails about the transition that credit scores may be affected or that this should not have affected anyone 's credit score by closing and opening the account on their credit report. This is not a new account or servicer. This type of misinformation on XXXX 's part should be corrected, and the agency held accountable for its extremely poor business practices. This is not the first time XXXX has been a frustrating and challenging experience to navigate my student loan repayment.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws under the FCRA ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically, the contract, note or other instrument bearing my signature, under FCRA Law. Failure to do so by Experian, XXXX, AND XXXX will result in my filing a lawsuit against you for a maximum amount of {$5000.00}. 

XXXX XXXX XXXX LATE PAYMENTS ON : XXXX AND XX/XX/XXXX Account number : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT TYPE : CREDIT CARD REASONING : I dont believe the status of this account is accurate. THis delinquency on my credit report should not be there. I demand proof that you went through all of the proper and logical steps that would have been lawfully necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report immediately. 

XXXX XXXX XXXXXXXX IS INCORRECT Account number : XXXX REASONING : YOU MUST REPORT CORRECT BALANCE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing this complaint because Experian has not responded to my direct requests for support and I am unable to resolve outstanding issues on my credit report. Specifically, the outstanding issues are : 1. ) Experian maintains two known to be false living addresses for me. Including an invalid XXXX XXXX and incomplete address in XXXX. Both of these addresses should be removed because I have never used these addresses. ( Although I have previously requested Experian take such action, Experian has not responded to my requests, nor does it appear as though an investigation was even started. ) 2. ) Experian maintains an unrecognized account labeled as " XXXX XXXX XXXX '', yet this account appears to be the result of identity theft and should be removed. I have previously disputed this information with Experian but did not receive a response. This record should be investigated and removed. 3. ) I am unable to access Experian online or access financial services because Experian maintains the incorrect addresses on my file. This makes it impossible for me to answer address verification questions such as " Have you lived at your current address longer than two years? ". This makes it especially difficult to access any financial service because the two invalid addresses on my credit report do not match addresses on my identification or the true address that I have lived at. It also makes it impossible to dispute items online or upload information here : https : //www.experian.com/consumer/upload/
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an inadequate customer service and unfair practice, which violate the consumers financial protection act ( CFPA ). Specifically, Cash App failed to take time 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 air resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I see the appropriate address for these violations.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, Discover Bank partnered with XXXX to provide 5 % cash back for XXXX product. 

On XX/XX/XXXX I purchased and was billed for a fraudulent XXXX gift card sold by XXXX. I found out the same day that I paid {$200.00} for a {$200.00} XXXX gift card, but the actual balance on the gift card was {$0.00}. I called the same day on XX/XX/XXXX, but XXXX refused to refund the gift card purchased. 

Because of no refund for a fraud card, I submitted a claim to Discover on XX/XX/XXXX with screenshot that I got {$0.00} balance from on receipt that said I'm entitled to {$200.00} XXXX credit. 

According to Discover 's Bank terms of service, I'm entitled to be protected against Incomplete service ( Did you pay for something that was never delivered? Was there a quality issue that affected your ability to use your purchase, or the product you received wasnt as advertised when you charged your card to pay for it? ) However, on XX/XX/XXXX Discover Bank close the case and refused to give me my money back for a clearly fraudulent charge and said that I should " work with XXXX '' to get my money back. 
refused to refund me my loss. Discover created the 5 % cash back promotion with XXXX and then force consumers like me to eat the {$200.00} fraudulent XXXX gift card. Attached are my Discover and XXXX provided no proof that the XXXX gift card I had contained {$200.00} balance, which would be impossible because I checked the same day of purchase and the balance was exactly {$0.00}. 

I called customer support, and she said XXXX ) XXXX provided the same receipt that I provided, so that doesn't help them learn more about the case and 2 ) the " reason '' that my case resolved in favor of XXXX, Discover 5 % partner, was that my screenshot has no time stamp. Over the course of one month during with Discover processed my case, I was never asked to submit a new screenshot with a time stamp that they dearly needed, even though the dispute process said that Discover would promptly follow up with me if it needed anything for my case. 3 ) the customer support lady acknowledged that the documents XXXX sent that supposedly proved the XXXX gift card has {$200.00} on it has no time stamp either, and for what reason Discover hold their partnership with XXXX to a lesser standard than me, she " didn't know ''. 

The customer support lady just sheepishly said, " I'm sorry, I know how you feel. I'm not going to buy a gift card from XXXX after hearing your case ''. But refused to refund me my loss. Discover created the 5 % cash back promotion with XXXX and then force consumers like me to eat the {$200.00} fraudulent XXXX gift card. 

Attached are my 1 ) receipt, and 2 ) screenshot sent to Discover, 3 ) Discover 5 % cash back program partnering with XXXX  4 ) Discover consumer protection policy, and 5 ) Discover final case statement on XX/XX/XXXX with all " evidence '' provided from XXXX, which has nothing that said I received the {$200.00} XXXX credit and just said " XXXX  will not refund ''. Following that statement, Discover statement said, I should " work with XXXX to get my money back. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct these erroneous items being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following items on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The items that should be corrected are as follows : DEPT OF EDUCATION/XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Dates XXXX, DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX-Late/Open Late Dates XXXX, Bankruptcy XXXXXXXX XXXXdismissed Filed on XX/XX/XXXX Reference number : XXXX
Product: Credit reporting or other personal consumer reports

I understand that under the provisions of 15 U.S.C. and the UCC I am entitled to receive information concerning the reasons for the denial of the trusts own credit as the credit application itself is a promissory note that may be deposited under special deposit and by you accepting the application and running the application you have accepted a fiduciary relationship as you are now the custodian of trust property. As I am the beneficiary of the XXXX XXXX XXXX XXXX and you having a fiduciary duty to me to do what is in the best interest of the XXXX XXXX in which the beneficiary is the true owner or return the XXXX XXXX back to its original intent and specific purpose by returning the application/promissory note to its rightful owner. Please provide me with a written statement specifying the reasons for this adverse action against the XXXX XXXX within 30 days of receiving this letter. As equity looks at intent not form. If there were any credit scores used in the decision-making process, I request disclosure of those scores along with the key factors that adversely affected the XXXX XXXX.Thank you for your prompt attention to this matter. We look forward to receiving the required information as soon as possible.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I filed a dispute in the amount of {$2800.00} against Venmo after discovering that my Venmo credit card payments to XXXX XXXX were not properly credited since the two Life insurance policies were previously cancelled. They are harassing with with email that I am NOW Over My Credit Limit? I demand a full refund immediately to avoid further legal action! Proof of cancelled policies are attached.
Product: Debt collection

SWISS COLONY failed to give me proper validation of this debt.

I mailed SWISS COLONY a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX several times in the major fraud division and also they have a police report on file . Have several inquires on my report that are not mine and did not apply for credit . I contacted the creditors directly and they said you have a police report on file with XXXX please tell them to remove them by the police report . Transition states no they will not .1. XXXX XXXX XXXX XXXX (2) inquires  2. Barclay Bank (2) inquires 3. XXXX XXXX  (1)4. XXXX (1)
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/12 - Filed a dispute with XXXX / equifax information reported incorrectly on XXXX XXXX credit accounts and asked for removal off of credit report.