23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I paid off my personal loan to barclays in full on XX/XX/XXXX. I followed up with barclays to see where my overpayment check was on XX/XX/XXXX. They said they will mail the check to me for {$730.00} for overpayment of personal loan balance on XX/XX/XXXX. I called on XX/XX/XXXX to see where my overpayment check was for {$730.00}. They said the check was sent to an old address and they will look into creating a new check to be sent to my new home address. To this day I have not received my overpayment check of {$730.00}. I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Barclays Personal Loan Team Manager XXXX at XXXX keeps telling me the same thing that they are researching/looking into cutting a new check to be mailed to my new address. Barclays has been researching a new check for me since XX/XX/XXXX. I need help getting my overpayment check for {$730.00}. I do not understand how it can take over 5 months to issue a new check for {$730.00}. Please help. Thank you.
Product: Checking or savings account

I spoke to superivors over by phone over the last 1.5month reguarding over express shipping 2 to 4 days. Which was not done early this month XX/XX/XXXX with cause me to be with public transportation my clothing needs and limited food supply. The rep that reordered my amex serve card sent reg. US Mail, when I specifically request it express ship ( which is a {$20.00} charge ) This was not done I think its very unprofession unacceptable ( sloppy on amex part ). IM ASKING COMPENSATION of 50 % off All fees SINCE IVE BEEN IV BEEN A CARD HOLDER SINCE XXXX Also to PLEASE grandfather my fees agreed back on XXXX Amer Expr Serve Acct As I was happier with there service and fee agreements at that time. 

Sincerely XXXX XXXX XXXX XXXX # XXXX XXXX or XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 ana address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

In an attempt to cash my rental assistance check at the bank. My cousin deposited it into her account adding me as a joint account holder. Then my cousin closed her account and the bank issued her a cashiers check in her name for the full amount of {$33000.00}. She then moved and I haven't been able to contact her and the bank won't give me any information about the account.
Product: Mortgage

This is an update to C.F.P.B complaint XXXX. 

To quickly recap : There was forced placed homeowners insurance without any documentation. After I called and asked about this, they mentioned an email that was sent to an old email account that I do not use. This email only asked for a copy of my homeowners insurance. 

I received a letter on XXXX that was backdated as it was written XXXX and the letter 's business stamp date was backdated to XXXX. 

I will attach proof that I received this letter on XXXX. 

Bell Bank tried to cover up their mistake, by sending a back dated letter. Bell Bank XXXX have committed fraud rather than doing the legal and correct action.
Product: Debt collection

The manager of the company XXXX XXXX threatened to sue me, get me arrested for not paying a debt he claims I owe. He stated they own the debt not XXXX plan and they are reporting on my credit report that XXXX plan owns it. He threatened to ruin my credit and did. I am trying to start a business and cant get funding due to him lying about my income, lying about my debt, telling my entire family I owe a debt and I dont believe its mine. I never got a letter from the company that he runs. He is my cousin and told my entire family about this issue and they believe I am a bad person because of his lies. Professional account services. PAS of XXXX   XXXX, in. He also threatened to to continue charging me interest on it as though it was active and he has done so. He also has cussed at me and lied about my income etc. he XXXX fed I pay immediately or suffer the consequences. he has violated all of these laws : Initial demand letters that ask for payment immediately or in less than 30 days. ( By email and phone call ) The debt collector is required to inform the consumer in the first communication or within five ( 5 ) days thereof that the consumer has thirty ( 30 ) days within which to dispute the debt, request in writing verification of the alleged debt, and/or request in writing the name and address of the original creditor. To contradict or overshadow this thirty ( 30 ) day period my violate the FDCPA, even if the debt collectors contradiction is not threatening. ( he did not inform me they held the debt I had to contact the company due to it being on my credit report as a write of of {$5300.00}.

Accusing you of having committed a crime. ( he accused me of stealing due to not paying ) Contradicting or Overshadowing of the Thirty Day Validation Notice. ( By phone ) The collector is required to inform the consumer in the first communication or within five ( 5 ) days thereof that the consumer has thirty ( 30 ) days within which to dispute the debt, request in writing verification of the
alleged debt, and/or request in writing the name and address of the original creditor. To contradict or overshadow this thirty ( 30 ) day period within which the consumer may exercise his rights violates the Act. The contradiction need not be threatening.

He was very threatening and mean and cruel.
Product: Bank account or service

Speaking with paypal shows that I have NO restrictions yet, they have placed an account limitation. I am suppose to be able to transfer and withdraw money, open or close bank accounts, etc while the hold is occuring but noone at Paypal can help while the restriction is in effect. I have made repeated attempts on-line to change to my new bank account with a window opening telling me either to ; " Verify Security as paypal 's system does n't recognize me '' but after doing everything their site wo n't allowe me to continue to the next step or there 's another window that pops up saying ; " action cancelled ''. I spent forever on the phone with a rep and Supervisor today and neither could get around the " restriction '' even though they both said they would. I therefor can not add my new bank account to have the money illegally held by paypal transfered. As this is a paypal business account, paypal is now interferring with the normal course of my business. I can not get to any money held by paypal all because some XXXX ca n't read any of the documents provided by me. Paypal is preventing me from paying employees and vendors as paypal has all my money. Paypal has asked for " Proof of my Social Security Number '' which was provided to them 15 days ago. They have acknowledged this and marked it as my having perfermed the fullfillment. Yet, the other restriction is to " Confirm My Social Security Number '' which is the same as their other trequest yet I have now fulfilled this additional XXXX request with XXXX different paypal agents, including XXXX Supervisors as well as my providing paypal copies of a letter from Social Security and a copy of my actual S.S. card. For some reason, paypal 's complience dept is not releasing the hold. I am livid that they are preventing me from accessing MY funds with no basis and my having jumped through every hoop to apease them. How am I to conduct a business when I can not get to my monies? Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost every day, a collections agency keeps reporting the same wrong collections to Experian and several other agencies they are allowing this company to report the same wrong issue and therefore my FICO credit score takes hits. I am trying to open disputes but theyre closed and they side with the aggressive power XXXX XXXX XXXX which is known for their bad behavior ( your agency has sue them numerous times ) this company will not return my attorneys or my letters or calls to rectify and they are illegally violating my rights pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681. This company wont produce the documents to verify these collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened a CITI XXXX XXXX VISA and did not start using it until late XXXX. I signed up for paperless billing with email billing notifications. I went into the online account on XX/XX/XXXX and did not have a generated bill. It did NOT ask to verify my email address at any time. Since I had no previous CITI billing history to go by, I made the mistake of waiting for the billing notifications that never came. They were sending my information to an email address that was not mine, since the executive response team told me they did not bounce back. This is a breach of my privacy, since they made no effort to verify my email address at any point, made no calls, sent no mail, but instead waited until the account was already past due to text me from a non-descript number. 

I received a text message on XX/XX/XXXX from XXXX a number offering no detail, telling me to visit XXXX or call. At this point, the account was already 32 days past due. 

Luckily, I called and after making 10 phone calls to citi agents and supervisors, alerting them that I was NOT and had NOT received ANY communication from Citi EVER - not one agent bothered to take it seriously and VERIFY my email address. Instead, I had to request to speak to tech support myself to find out WHY I was not getting the email billing statement notifications we agreed theyd send me when I signed up, as well as NO phone calls and NO MAIL. 
The XXXX XXXX CONFIRMED that my email address, XXXX was MISSING ONE LETTER and corrected it. I immediately received an email from Citi. 

I had no prior history with this card to know when to expect billing, and would expect theyd make an effort to confirm they have the correct email address before reporting me to the credit bureaus AND reducing my credit line down to my balance, CITING MY CREDIT USAGE on other cards because we went on a trip in XXXX!!!!!!!! 

I have an excellent payment history with no late payments for YEARS. I would like Citi to accept responsibility for not confirming they were sending my statements to the WRONG ADDRESS either on the many phine calls, OR on XX/XX/XXXX when I was in my account. 

This was not my error.
Product: Payday loan, title loan, or personal loan

SPEEDY CASH loan that was fraudulent XXXX XXXX Adjust XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX Account Name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX XXXX XXXX XXXXXXXX Account Name : US DEPT OF EDXXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I was asked to submit documents and was assigned a Customer Advocate. 
I mailed the documents, made several calls, talked to several but could never reach the Advocate nor anyone in the company reach any advocate that could answer my queries. 

I was initially told that since this is to refinance within the same company, this would be very easy. 

After spending much time, I received an email to again send the documents. I again did but it seems there is no one to receive the documents or anyone who could explain what going on. 

Instead, I am asked to sign a disclaimer that if I did not submit the documents by a specific date, the loan company will not be able to refinance and stop the application. The person whom I could talk to tried to get in touch with the team or the team leader who is handling my loan but there is no response. Despite having no response, I am told that this can not be refinanced.
Product: Credit reporting or other personal consumer reports

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

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

3. Date of Last Activity.

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

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

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

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name. 
2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This is regarding a {$250.00} payday loan I took out a long time ago from ACE Cash Express back in 2014. Totally forgot about it and this collection agency just recently got aggressive with me. 

I recently lost my job. Just before I did get fired, I was speaking to XXXX XXXX, a debt collector from an agency called XXXX XXXX and I had an idea/plan to make the arrangement. I also asked them to grant my brother-in-law 's request to stop calling him as he was my listed reference at the time. XXXX said ofcourse and let me know he was removed. We were supposed to talk at the end of the week but unfortunately I lost my job. I felt like the world came crashing down on me. Ever since, they became very aggressive in collecting that debt from 2014 payday loan that I owed. They already spoke to my brother-in-law and a week ago I asked to grant his request to be removed from their system which XXXX XXXX agreed to. However, they called him AGAIN!!! I called XXXX to let her know my situation. XXXX XXXX was very rude. And when I asked what happened to the request of my reference to be removed, she blamed it on their system. I was working in the industry using similar account/info system. It does not take a week to delete a reference on a customer 's account. I know the laws in California and you're only to make contact once and NOT supposed to leave a message. As it turns out, my brother in law and I are no longer in speaking terms. Please educate this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have requestion for validation of this debt through transunion and XXXX XXXX. By law they should have my original contract on file. But they dont have no documentation. By law if the dont this. They are suppose to delete these accounts off my credit report. These letters that are attached are not my original documentation. Doesnt show apr. I will like these accounts deleted before I report yall and have my lawyer take yall to court. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am only allowing 3 business days for this dispute to take place and I will be following up with my lawyer. Please look at the attached letter. At this point Im in distress and disappointed that the items I am disputing as an internal dispute continues to remain on my credit without proper verification. I am aware of the law and sections of The FCRA where I see that your company has violated me and my rights with in section 609, 611, 615 and many more to be exact. I will not stand to see another bogus  report or letter saying Verified. No possible way any verification procedures were done to verify any of the inquiries that you listed on my credit file as errors. Please continue to the attachment and please read carefully.
Product: Checking or savings account

I received a debit card from Square. I never opened an account and do not have an account.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it seems we need to eliminate any erroneous accounts from my credit report. Could you review the documents? Several accounts listed have reporting errors, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX would like to report several inquires on my credit file that are not associated with any open accounts or any contracts or applications on file with the companies listed. Per 15 U.S.C 609 all parties involved are required to validate the information on file or being reported and validate the account with the original contract on file.

I would like to have these items removed or validated per 15 U.S.C
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX # XXXX : Unverified account XXXX XXXX XXXX # XXXX : Unverified account XXXX # XXXX : I have never paid late XXXX XXXX XXXX # XXXX : I have never paid late XXXX/ XXXX XXXX XXXX : I have never paid late Beside that, the below information is too old to have in my file, please delete it immediately : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Debt collection

XX/XX/2024 Transworld System Inc, Account XXXX reported a collection account against my credit report, with a balance owed of {$150.00}. I disputed this collection with XXXX and they investigated and removed the claim from my credit report. I also filed a dispute with XXXX and they are investigating the claim. The original creditor was XXXX XXXX and I have never been a customer of theirs. The account was opened fradulently. 

I am experiencing a recurring issue with energy companies opening collections against my file that are not my responsibility. My credit is frozen, but that has not stopped this from happening more than 4 times to date.
Product: Credit reporting or other personal consumer reports

I lost my job in 2023 and I havent been contacted by any of my previous lenders in regards to my current salary or anything that has changed in my life and I dont know if the balances are XXXX  % accurate and where the information came from. I believe that well over half of my account accounts are falsely marked. I had to sell my home and am now homeless
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A purchase was made while I was incarcerated in the total amount of {$1600.00}. 
Im not responsible for the purchase, but can give you an idea who might. The XXXX XXXX  card was closed on XX/XX/XXXX, and when I tried to get the financial debt dealt with, theyre saying I could possibly still owe that amount. I just want to dispute the payment with the company by providing them with correct and accurate information, yes I did open a credit card in XXXX the year of XXXX XXXX not denying that. I reassured issue that its wasnt me that could possibly had make a purchase in that amount, I was incarcerated. I have fraud on my credit report that includes addresses and phone numbers that were unverified by me. Also I have my XXXX XXXX XXXX XXXXXXXX transcript from my conviction date and release date.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX