23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My mother and I have a safety deposit box in both of our names. I discovered this when she passed away on XX/XX/XXXX. I looked everywhere but was unable to find a key to the box. I want to open the box to see what is inside as well as close it afterwards permanently. I have discussed this box in four different face-to-face meetings with the Bank of America on XX/XX/XXXX, XXXX and XXXX XXXX. At each meeting I have stated that I would like to have the box opened and I will pay for the drilling. I was told the drilling would cost {$150.00} which I am willing to pay. At the conclusion of the second and third meetings I was told that the bank would look into drilling and get back with me. I waited several days and no word was received. At the last meeting on XXXX XXXX I again asked when the drilling would take place and this time I was told I would most certainly not be able to get into my box this year! Asking why I was told that because there was no key the bank was not willing to have other customers wait for access to their boxes by waiting to have my box drilled taking up to what they said would be an hour. I then told the assistant vice-president of the branch ( the person I have been meeting with ) that seemed totally unacceptable, inflexible, and keeping my property from me seems illegal. I am considering getting a lawyer, but that would cost me money. I have XXXX XXXX and having this type of stress on me is something I do not wish. Please help. I really don't know what to do. I was told by my tax preparer that I needed to see what was in that box because it may be if it goes on to the next year a special tax person would have to be hired ( and they are expensive ) to do taxes on my mother in a different year after her death.
Product: Debt collection

Calling my work numerous times asking personal questions. Asked my hire date! Calls at least 3 times a week. Her name is XXXX XXXX, she is not the only one calling now ...
Product: Credit reporting or other personal consumer reports

Received my consumer XX/XX/year> their is so much incomplete information on my consumer report some accounts have no balances no date of first delinquency reporting in much more i am uploading my consumer report from annual credit report so transunion can see all the inaccurate information under the FCRA i am entitled to a accurate and complete consumer report however thats not what you see in this consumer report.
Product: Credit reporting, credit repair services, 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$37000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$43000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX : {$460.00} XXXX XXXX  XXXX Balance : {$610.00} ATTYGENERL XXXX Balance : {$43000.00} ATTYGENERL XXXX Balance : {$36000.00} XXXX XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX : {$38000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$44000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00}
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Debt collection

I received 15 consecutive calls between XXXX and XXXX this afternoon ( XX/XX/XXXX ) from  XXXX. On Tuesday, XX/XX/XXXX, they called three times at XXXX XXXX. I have XXXX the number, researched it on a number of sites, and found that it is a medical debt collector. They did not leave a message on my voicemail. I have screenshots from my phone to document the calls, and can easily obtain records from XXXX XXXX, my cell phone provider. I have 18 calls this week. This is blatant harassment, and I should be financially compensated for this abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time submitting this complaint due to fraudulent inquiries on my credit report and yet Equifax refuses to remove them XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am currently out of work and behind on bills that I intend to pay. I have a problem making calls because my outgoung calls have been forwarded and intercepted by an independent call center without my permission. I prefer to be contacted via usps mail. I did inform the compant aboyt this and I responded to them through a written contact option to customer srvice in tge app. On the phone no one knows what I am talking about and I dob't believe thst I am talking directly to PayPal. I believe that the call center is trying to own this debt. 
On XX/XX/XXXX Bill Me Later or PayPalCredit wrote me an offer for me to pay {$76.00} and tgen {$61.00} a month for tge next 11 months. On XXXX I paid {$76.00}, On XXXX I paid {$61.00} and on XXXX I paid {$61.00}. Now that I have accepted this offer by check, over the phone and thrrough written communicatiob to customer service in the app. PayPal is saying that the offer is no longer valid. I first accepted the offer in XXXX on the phone and again on the XXXX of XXXX on the phobe and written in the app
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed to are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim the identity theft report is valid. And lastly, I contact the credit reporting agencies. Both XXXX and XXXX have removed the accounts per legal requirement. 

But for some weird reason Transunion feels Im not following all the steps. I have knowledge of the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with Transunion, Im at wits end. Ive filed complaints against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. 

Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. I have filed it with a law enforcement agency. Identitytheft.gov is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally am losing my mind because I have no other recourse Please remove these accounts from my records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc . ) because their customer service has been poor and their practices has are unfair, which breaks the rules of the Consumer Financial Protection Act ( CFPA ). They didnt take quick or effective action to stop or fix fraud on the platform, which left my account exposed and unprotected. On top of that, their dispute resolution process was unfair and misleading since they didnt follow the requirements of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures caused me financial loss and inconvenience, and I am asking for a proper resolution.
Product: Vehicle loan or lease

I purchased this vehicle in XXXX of XXXX. I was behind in the months of XXXX and XXXX of XXXX. I lost my job in XXXX of XXXX. And I agreed to paying {$250.00} bi-weekly. I owed under {$4000.00} when I contacted them in XXXX of XXXX, and agreed to pay the loan off until I filed my taxes in XXXX. I voluntarily released my vehicle, due to pressure, despite me doing my due diligence in keeping communication with them. I looked at my XXXX Credit report on XX/XX/XXXX, and seen that it states that I was180 days late. I was never that far behind. Strangely, I received a letter from Credit Acceptance on XX/XX/XXXX, stating that my loan was paid in full and the lien was released, which means I should have both the car I voluntarily released to them and I also should have my title.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX, with a 13.99 % APR, with 180 monthly payments of {$720.00}. XXXX XXXX assigned the Agreement and associated rights to XXXX. XXXX XXXX alleges that her credit score was sufficient to obtain the lowest APR available at the time she applied for financing. There are over 50 different versions of XXXX  scores and the scores that are available to consumers are not the scores that financing companies use to make offers of credit. The offer made to XXXX XXXX was the lowest she was eligible for at the time she applied. XXXX pulled XXXX XXXX credit report once in XX/XX/year>, not twice as XXXX XXXX indicated. Based on XXXX XXXX XXXX score at that time, 13.99 % was the lowest available APR for XXXX XXXX. Our records further confirm that the lowest available APR for any customer at that time was 6.9 %, not 4.9 % as XXXX XXXX claims. We have spoken to XXXX XXXX several times since account origination and XXXX XXXX did not raise concerns with the terms of the Agreement until the filing of this complaint, more than two years after agreeing to the terms and signing the Agreement. Because XXXX XXXX agreed to the terms of the Agreement, and XXXX accepted assignment of the Agreement based on terms acceptable to XXXX XXXX, we are unable to amend the terms of XXXX XXXX Agreement. Should XXXX XXXX have additional questions or concerns, we encourage her to contact us directly at XXXX extension XXXX. Regards, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX  XXXX/XXXXwith no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Product: Debt collection

Ocwen was in receipt of a notice to correct an error on my loan for clear errors regarding the unlawful start of a foreclosure before sending a 45 day pre-foreclosure letter. Ocwen received the notice to correct the error on XXXX XXXX, 2016 at XXXX XXXX, Owen 's automated response system sent me an email response on the same date and time stating thanking me for my request. Ocwen claimed to be reviewing the information and stated that they will respond quickly as possible. If additional information was needed, they would contact me. On XXXX XXXX, 2016, Ocwen mailed out an acknowledgement letter stating again that they received the correspondence. Ocwen said its goal was to complete all research and provide a written response to me within ( 10 ) business days from the date of the receipt of the letter, but it could be 30 days. When the 10 business days passed, Ocwen was contacted by my wife regarding the pending sale on the property for the status and inquired about the investigation into the notice to correct the error. Owen 's representative said that the research was ongoing and that the sale had been cancelled. We noticed that the trustee was still advertising the property for sale and we inquired with them and found out that the sale was not off. Ocwen on a later date informed me that the sale was in fact canceled through a call with my resolution manager, but just 30 minutes or so before my appointment time with my resolution manager, the attorney for the trustee sent over a message stating the sale for XXXX XXXX, 2016 was still scheduled. We decided on XXXX XXXX, 2016, after failure to get fair, non discriminatory treatment from Ocwen and its agents, we filed a fair housing complaint based on what we feel is racial discrimination. On XXXX XXXX, 2016 contrary to information that we read on the CFPB site regarding a Notice to Correct an Error, Ocwen sold the property before sending a written response with supporting documents that no error was found.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.The account below needs to be corrected : XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

SEE ATTACHED
Product: Mortgage

I have previously filed a complaint with you regarding the restarting of my payments after a mortgage of one year on four mortgages. The complaint number is XXXX. 
I have been in contact with Truiest many times since writing the original complaint and it seems two of the mortgages were in need of a soft appraisal to complete the documentation. I was sent a letter to the effect stating that the appraisals would be ordered at my expense, but was not consulted as to if I agreed to this fee. I called to ask how much I was to be charged and the representative was not able to tell me how much nor how I was expected to pay. When I started this forbearance process, I was told there were to be no additional hidden fees nor penalties. I find this fee to be a hidden penalty and predictionary. I was told that it is a standard procedure and required on all mortgages coming out of forbearance, but she had no explanation when I said it was only being required on two. 
I do not see how they can expect me to pay for something that I have no idea the fee nor did I approve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

XXXX XXXX XXXX, XXXX XXXX, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Company failed to provide Proof that they actually verified the account on my credit report. They sent stall tactic saying to provide proof of my address and I had done so. 
Company needs to provide me the proper validation documents showing they actually validated my credit file. They took extensive amount of time but sent no proof with their investigation XXXX XXXX showing they validated the accounts.