23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In response to CFPB complaint XXXX XXXX XXXX XXXX XXXX a debt buyer, has again resorted to false and deceptive practices in connection with collecting an alleged debt purchased from Capital One N.A. A direct violation of 15 U.S.C 1692e specifically 807 ( 2 ) ( A ). Because XXXX XXXX XXXX does not believe that a consumer can be aware of their rights under federal law they have assumed and falsely claimed attorney retention. At this time I am acting pro se and have enacted my right to refuse to pay this debt buyer. XXXX XXXX XXXX XXXX has been contacted by certified mail ( 3 ) times the last being XX/XX/2021 and have not once provided the information proving I am contracted to pay them an alleged debt of {$1600.00}. AGAIN pursuant 15 U.S.C. 1692 ( c ) ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except : 1. to advise the consumer that the debt collectors further efforts are being terminated ; 2. to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. XXXX XXXX XXXX has complied with none of this statute. AGAIN, under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I use to originate the consumer credit transaction with Capital One Bank. Capital One Bank illegally gained a loan under my name and borrowed against my open end credit plan using my SS card. Once again I do not owe any alleged debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Capital One Bank N.A was NOT given consent to collect, sell or transfer any of this information or alleged debt by me the consumer, a natural person not a corporation. XXXX continues to knowingly and willfully violate my rights as a federally protected consumer. Once again XXXX XXXX XXXX debt claims are refuted.
Product: Mortgage

I received an escrow shortage notice from my new mortgage company on XX/XX/2024 indicating a shortage. I immediately paid this shortage and expected my monthly payment to be the same as indicated on the notice provided. after logging in to my account with freedom mortgage to review that this was applied correctly. It was indicated on the website that there was a new shortage that a letter was not sent out on. I went ahead and paid this payment since it showed that it would reduce the payment to the prior outstanding amount on the previous escrow statement. Now Freedom Mortgage is not honoring this adjustment and states that they cant see this other escrow analysis and it must have been a webpage mistake. HOWEVER i have still paid in twice to get my payment back to what the original payment was when they over took the loan less then 4 months ago. after Mutiple calls and nothing being resolved and no call back it was left with a well go ahead and report it
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 Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

On my credit report there are several errors, which I reported online and by certified mail to all XXXX agencies as well as filed complaints with you which can be traced and nothing was done. I have also provided sealed letters and court certified letters and still it was not corrected. 1. My name which court letter was also provided is XXXX XXXX. 2. The child support account was paid on time and paid in full by XX/XX/year> and sealed certified letter was provided to you and all the agencies by the child support enforcement unit confirming my claim and all has been ignored and not corrected, even when I put the agencies on the phone with the agent to confirm that the infos were wrong and still shows. I do not have any negative history and yet for some reason this specific child support account shows late payments and etc, which is completely wrong and incorrect. The support account was court enforced and could not have had large or no payment because the court would not allow that, and it was paid and done with since XX/XX/XXXX. XXXX which my son turned XXXX at that point. This is just disgusting that I have provided everything and still shows all this nonsense. Also the payment history on my report is not at XXXX % because of all is nonsense. Again all documentation and court certified letters were sent to you and all the XXXX agencies by certified mail as well as online uploads.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning discrepancy in the reporting of my credit history by Experian, one of the major credit reporting agencies. Specifically, I am disputing the late payment reported on my credit card account with XXXX XXXX, account number XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681, it is imperative that credit reporting agencies ensure the accuracy and fairness of the information they report. However, I have observed that XXXX XXXX  is inaccurately reporting a late payment on my account to Experian. 

This discrepancy is particularly alarming as the late payment is not reflected on my credit report with XXXX, indicating an inconsistency in reporting among the major credit bureaus. Per subsection b4 of 15 U.S. Code 1666, which addresses the correction of billing errors, XXXX XXXX  is obligated to rectify any inaccuracies in reporting to ensure consistency across all credit agency reports. 
Additionally, in accordance with 15 U.S. Code 6802, XXXX XXXX is required to provide consumers with the option to opt out of certain information reporting, such as late payments on credit reports. However, I have not received an opt-out form from XXXX XXXX XXXX as mandated by subsection b of 15 U.S. Code 6802. This failure to provide me with the necessary opt-out information violates my rights as a consumer to control the dissemination of personal information and operate fairly in commerce. 

The inaccurate reporting of this late payment has had significant adverse effects on my financial well-being and ability to engage in various transactions. It has hindered my ability to obtain mortgages and extensions of credit, causing undue stress and hardship for myself and my family. 

In light of these violations and the resulting impact on my financial rights, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in XXXXXXXX XXXX XXXX reporting. I also request that XXXXXXXX XXXX be held accountable for their failure to provide me with the necessary opt-out information as required by law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate credit reporting practices are upheld. 

Sincerely, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I tried to cancel a gym membership at XXXX in XXXX XXXX because I moved out of state in XX/XX/XXXX. I followed all the instructions to cancel my membership, paid I paid a {$50.00} cancellation fee, a check for {$100.00} and {$79.00} for membership dues outstanding. All of these checks were cashed by XXXX XXXX, the financial company for XXXX XXXX. I also mailed a copy of my XXXX ID and a letter expressing my wish to cancel by certified mail as they requested. XXXX XXXX continued to send letters saying my account was past due. When I called to find out if they received my cancellation letter, they said my XXXX ID was not readable, and therefore they could not cancel my membership! In XX/XX/XXXX, I received a notice from a collection agency called First Credit Services, saying that I owed XXXX {$1400.00}. I ignored this notice, not realizing that this would turn up on my credit report and ruin my credit rating. This company is very disreputable and I made every effort to cancel my membership. I do not know what to do at this point but strongly dispute the claim that I owe them any money at all.
Product: Checking or savings account

Key bank will get you with an overdraft fee at every turn. Even if I deposit money the same day the account is overdrawn I am still getting charged a fee of XXXX Which has gone up XXXX dollars and XXXX cents in the past year from {$35.00}. They say it is not possible to stop the account from overdrawing which is completely unreasonable.
Product: Payday loan, title loan, or personal loan

This is an ECOA complaint for unfair lending practices. XXXX XXXX XXXX Made two loans to me between XX/XX/2017 and XX/XX/2018. The first one was for XXXX and the second one for XXXX. I payed them off within 3 months time and with no late payments and when I applied for the 3rd one I was denied and given this message that I had to credit to receive the loan. I was rejected for no reason and as if I were never a customer with them to begin with. I have all of my payoff emails and documents from the bank as well as bank statements to prove the dates the loans were deposited to my accounts. 

" '' '' Unfortunately we were unable to approve your loan request due to delinquent past or present credit and/or limited credit experience. We consider all possible loan options during the evaluation process, if a counter offer could have been made at this time, we would have done so automatically. Should you have any further questions, please feel free to call us at XXXX or XXXX. XXXX XXXX XXXX XXXX A Division of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone XXXX Fax XXXX '' ''
Product: Credit card or prepaid card

On XX/XX/2020 I have received a debit card from U.S. bank reliacard. I believe that my personal information was use by another person to apply for unemployment or unemployment insurance program from the state of Ohio.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their are XXXX hard inquiries on my XXXX and XXXX on my XXXX Credit Report and that I have not authorized and am not even familiar with. I have contacted XXXX and Equifax and I have also contacted each creditor individually. Nothing is being resolved or removed!
Product: Checking or savings account

Between XX/XX/2017 and XX/XX/2017, I called Bank of America to close my checking account. During the call, the account was closed and I was told that the remaining funds ( about {$1200.00} ) would be sent to me within 2 to 3 days. After 9 days, I called again to see where my money was. The representative said that the funds arrive between 7 and 10 days from the date of closing the checking account. Now after almost 2 weeks, I still do not have my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. 

XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS 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
Product: Credit card or prepaid card

I purchased reloadable prepaid Vanilla Visa Card in XX/XX/XXXX. They charged fees every time you reload card, they also charged fees when you were calling them. I paid them over {$900.00} in those fees, most of them unjustifiable. In XX/XX/XXXX I initiated transaction dispute in an amount of {$140.00} as a duplicate transaction. I spent time and money sending Vanilla Visa faxes to their Chargeback Department. They never responded or resolved the issue. Because of that I wasn't able to pay some of my bills, creating huge inconvenience and hardship for me.
Product: Debt collection

This is incorrect for one. I 've already disputed this. They took off my record now trying to put it back on. Slimy company trying to make money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights.15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 604 section 2 also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX XXXX. I request these items beloved to be immediate investigated and removed if inaccurate as they are not belong to me. According to Fair Credit Report Act, I expect you to complete this verification withins 30 days. 
**Address** XXXX XXXX XXXX XXXX XXXX, WA XXXX This address is not mine, delete it!! 
**Hard inquiries** _XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Product: Credit reporting or other personal consumer reports

Citizens lost a wire transfer from Police and XXXX XXXX XXXX XXXX XXXX and was sent fax proving sufficient funds for mortgage payment. I've talked to Citizens numerous times with no resolution over the past few months. My credit status is suffering because of this. Have had credit card companies close my account because of this. 

I'm attaching documentation of completed mortgage payments that are being disputed by Citizens.
Product: Credit reporting

I sent in several disputes to remove or correct an account on my report. I have full ownership of a vehicle and I have the title to the car and Experian refuses to correct the information. I was told that I can only dispute an account with them one time only as they have already found the account to be true and i am unable to resubmit a dispute or further submit documents proving my case. I have called several times and spoketo numerous employees and no one will help. I have sent letters and have gotten no responses. This account is no delinquent and this car has been paid off. It is showing as a reposession and a bad debt
Product: Money transfer, virtual currency, or money service

So for some reason my PayPal account was suspended suddenly without warning. I have been with them for over 21 years. I called and they told me I violated their Acceptable Use Policy but would not ( could not ) disclose what that violation was. Furthermore they told me that it is " un-appealable '' and " permanent '' and that they will now hold my {$1600.00} balance for 180 days. At the end of that period they will " contact '' me to see how I can get my money back. I asked to speak to a supervisor and they transferred me with much difficulty to XXXX ( Employee XXXX ) supervisor in the " limitations department ''. He repeated that he could not share any additional information, that he could not escalate this further than himself. 

I have reviewed their Acceptable Use Policy and the only thing possible is a couple of adult sites I am in which as far as I know are legal for adults... 

I have read online that some people have had this happen because they were on a VPN. I'm on a VPN all the time because I work from home and VPN into my office. Again if that's the case that's bogus. Also, I was under the impression that this was the United States so if it was something the thought was criminal or civil they should be compelled to tell me what I'm accused of doing...
Product: Debt collection

This account was open XX/XX/2019 This account was reported collection orig creditor : medical {$67.00} I have no contact information I would like to know what services I had to accrue this amount of {$67.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card Company states the item is a write off with IRS in XX/XX/2022 and is currently sending me a XXXX. 
Experian XXXX and XXXX is currently reporting it monthly as a late payment.
Product: Credit card or prepaid card

American Express : On XX/XX/XXXX I requested a credit for an overpayment to my card. {$900.00} would be refunded to me by check to be delivered by mail. I chatted with customer service to initiate this : Depute : XXXX On XX/XX/XXXX I had requested an update with American Express about the check being issued. In which they told me an new check can be cut and expedited to me. I made several phone inquiries about the check as well. On XX/XX/XXXX, Amex issued a letter that said that the refund check was cashed. I did not personally cash that check, The check says " pay to the order of ( unreadable name ) '' and a forged signature. 
Posting date of XX/XX/XXXX. Included in the response, was a affidavit of forgery to fill out that I did indeed fill, notarized and sent in. 

Dispute XXXX On XX/XX/XXXX, I called in to see what the situation was with my check, I was assured that the balance will be credited back to me by multiple reps at this point. However, when I called they said they had not received affidavit of forgery. 
In which I had to fill, sign and notarize a 2nd Affidavit of forgery to for my missing money. 

Dispute : XXXX On XX/XX/XXXX I received a message of receipt of my affidavit and that they will investigate. 

Dispute : XXXX XX/XX/XXXX Still no resolution and I've been without {$900.00} for 6 months. 
On XX/XX/XXXX I filed a complaint to the CFPB, and received a form to be sent in to The collections Fraud Packet CFBP Ref No : XXXX-XXXX It filled it, faxed a copy into the stated line, AND sent in the filled packet by certified mail. Received XX/XX/XXXX signed by XXXX XXXX. I believe there was a corresponding case XXXX for it. 
I also resent in a signed affidavit of forgery, for the inquiry. 

On XX/XX/XXXX, I put in an inquiry on the status of the everything. I was told that status wasnt available. Case XXXX On XX/XX/XXXX AFTER the 6th month investigations should have been cleared I called in again, and after about 40minutes worth of hold time total, the service member advised that again, there is no update on any of it. Case : XXXX I have requested to speak with a supervisor on 3 separate occasions including XXXX, all three times I was assured a supervisor would return my call and NONE have been returned. I have failed to be given any resolution on every step of the way, and I have been with out {$900.00} for an entire year, which has been a great financial burden. I request that my account just be immediately be credited for the amount, so I may finally get resolution to an issue Ive been dealing with for over an entire year. Please Help.