23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

What I find disturbing is that equifax put my personal information security at risk back in XXXX XXXX when I first began challenging fraudulent accounts on my credit report ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and I wasnt notified until last month when it made the news. Since XXXX I have been challenging equifax however they continue to ignore my requests of validation however what they continue to say is we call to match up name, address, and SSN. Thats it. Merely calling to match up numbers doesnt prove that an account it valid. It is clear that equifax continues to allow their vendors to place false trade lines on poor consumers, like me, credit reports thus destroying my credit worthiness thus making it harder for me to get credit. Ive gone back and forth with equifax trying to resolve this issue however they refuse to follow the guidelines set forth via the FCRA. It now seems as if they KNOWINGLY ignore consumers rights. Equifax breech has compromised my name, address, and SSN YET this is the SAME EXACT information someone needs to place their tradeline on my credit. The same information that was leaked is the SAME information someone needs to place something on my credit which is also THE SAME information you call and verify instead actually providing documented validated proof. I dont understand how you leak my information yet continue to compromise it by allowing fraudulent unverified accounts to remain on my credit. At this point I am ready and willing to seek legal representation in order to protect myself from equifax and their practices if after 15 days these two accounts remain on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please remove these accounts on my file ASAP.
Product: Debt collection

XXXX XXXX via property manager XXXX XXXX a licensed real estate broker and XXXX XXXX the assistant to XXXX XXXX sent me an email on XXXX that I owed a debt for legal reimbursement that I do not owe and have never owed. It is a false statement and an illegal attempt to collect. The management company is considered to be a debt collector under Illinois state law. I am attaching the Illinois Condo Act Section 9.2 that a debt for attorneys fees are only due in the event of a violation or default. There was no violation and there was no default. The fee XXXX XXXX is trying to collect is certified mail fees, which are not collectable and are not the form of notice in any event under the Condo Declaration and Bylaws of XXXX XXXX XXXX XXXX. a non=profit organization est XXXX. XXXX XXXX has previously done this XX/XX/XXXX and also committed identity/data theft of financial documents and bank passowrds of my job. I work at a bank FDIC. Not only has XXXX XXXX sent me an email for Legal Reimbursement on XXXX that is the same day that the fee ( illigal ) was placed on my assessment account ( not legal ). I am attaching the attorney letters for the violation that was originally sent to me and my attorney 's response. The original violation was fake and illegal and the Board of Directions ( who are harassing me and I have lots of documentation not speculation on that ) decided to cancel/forego the violation hearing once they received my attorney 's response requesting proof, photos, witness statements etc per Boucher V 111 E Chestnut ( 2019 ) IL Appelate Court ruling requiring due process, witnesses, and much more. Theyt don't follow the law. They want the building to be " NICE ' their words in writing, everyone knows what it means when a property manager and Assocication Board says " We want the building to be " NICE '' ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently attempting to purchase a home. XXXX XXXX XXXX is creating an issue on my credit report by reporting that I was 30 days past due for the month of XXXX. To be considered 30 days past due you need to be late 30 days past the payment due date. The payment is due on the XXXX of each month. They received payment for previous month on XX/XX/XXXX, an attempt of payment was done on XX/XX/XXXX which was returned and repaid on XX/XX/XXXX. Since the payment is due on the XXXX of each month this payment would not be considered 30 days past due until XX/XX/XXXX. Why because the payment was due XX/XX/XXXX. I have attempted to contact XXXX several times and I keep getting the run around. The last person I spoke to with the resolution team stated that the credit reporting team states that the payment is considered 30 days past due because it was 30 days past the last payment. That makes absolutely no sense. What if one month I decided to pay the lease early on the XXXX and then the next month I decided to pay it on the actual day its due which is the XXXX then they would report to the credit agency as me being late? Thats ridiculous Ive never heard of such a thing. They are falsely reporting incorrect information and this preventing my mortgage from going forward. Conveniently their credit reporting team has no phone number to speak to so Im left with no resolution. I want to correct this with all three credit reporting agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this companies ( XXXX XXXX & XXXX XXXX XXXX ) about these debts, they have fail to provide me with the : Original application or contract, Any and all statements allegedly related to this debts, Any and all signed receipts, and any and all cancelled checks, in accordance with the debts collection practices acts section 1692G.
Product: Credit reporting or other personal consumer reports

I was recently made aware of a creditor account that was opened in my name as a result of fraudulent activity. This account was created without my knowledge or authorization at some unknown point in time. Ive reached out to the creditor several times for more information, all to no avail. This account ( XXXX XXXX XXXX # XXXX ) only appears on my credit report due to identity theft, and I am seeking its removal as it does not belong to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX
Product: Checking or savings account

I deposited two checks in my account both for the same amount of {$2300.00} but two different days. One on XX/XX/2019 and another on XX/XX/2019. I received these checks selling college textbooks to an online site that buys them called XXXX. When i deposited the first check it was XX/XX/2019 and it was put on hold for a while and was released to me today XX/XX/2019 but when i went into the branch i spoke with a lady named XXXX i think at the branch in XXXX XXXX in XXXX XXXX. She helped me and was very rude and prejudice. I guess she believes it was XXXX because i have two checks from the same company for the same amount so when i went in to withdraw she contacted the fraud department and put another hold on the funds that were already made available for me earlier today XX/XX/2019. I dont understand why she would do that is there anything you can do to help me? Ive been waiting weeks now for these funds to be available to me and now shes put another hold on my account
Product: Mortgage

A late fee that was incorrectly applied to my account on XX/XX/XXXX. I called Ditech and they explained that customer service had no authority to issue late fee credits but I could Fax a letter to XXXX do dispute the fee. I sent a letter ( attached ) to this fax on XX/XX/XXXX to address this issue. I never received a reply.
On XX/XX/XXXX, I called Ditech customer service to ask why the late fees were not credited ; the answer was that the request was denied. I was given no explanation except as to say that it was part of my contract and the company policy was not to give credit back on late fees. I asked to speak to a supervisor. I was told no supervisor was available but one would call me back. I insisted and asked to wait on the phone line. Eventually I was given a supervisor named was XXXX # XXXX. I explained why the fee was not justified but it was clear that XXXX XXXX was not interested in resolving the issue. I asked my recourse and was told that I could fax my dispute to XXXX. I explained that I had already faxed a dispute to that number. I that point he told me that it was never received. ( Attached is the fax receipt log verification ). He went on to explain to me that I signed a contract that authorized the late fee and offered to send the contact. ( Which he sent by mail ) He further explained that the fee would stay on my account and if it was not paid, then the note would not be release when it was eventually paid off. He also went on to say I will get the same answer at Ditech from anyone else. Clearly Ditech has a policy to enforce the late fees but what is not clear is that they are doing it based on the contract. My contract clearly states that the payment is the principle and interest. See Section 3 ( A ) The Note does not mention the escrow fee as part of the payment. Conflating the escrow payment and the loan payment into the same payment is clearly a Ditech policy. The contract does not authorize them to charge the late fee on the escrow. See Section 7 ( A ) Ditechs policy is unfairly collecting fees from consumers that pay their mortgage payment but are short on the escrow account. Instead of booking the mortgage payment and booking the remaining funds in the escrow account, Ditech puts the funds in a suspense account thereby creating a late fee. In my case, my escrow account was substantially funded and in no risk of being short for the next disbursement. Ditech has no authority to collect the late fee of {$58.00} in this circumstance.
Ditect should credit my account for the late fee and stop this practice of creating late fees with a suspense account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  Account Number- 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. 
accept this letter-sent as my formal debt 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 WANT TO NOTIFY THAT I RECENTLY FOUND OUT SEVERAL FRAUDULENT ACCOUNTS IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED FRAUDULENT ACCOUNTS UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN SEVERAL ACCOUNTS ( PLEASE SEE THE ATTACHED FTC IDENTITY THEFT REPORT ). PLEASE TAKE ALL APPROPRIATE STEPS TO REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT FILE. ATTACHED IS MY DRIVER 'S LICENSE, SOCIAL SECURITY CARD, AND THE FTC IDENTITY THEFT REPORT. THANK YOU
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 waws 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: Credit card or prepaid card

In Accordance with the Fair Credit reporting Act Aspire Card  Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : II also states a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

Hello, My name is XXXX XXXX XXXX XXXX. I reside in XXXX California. Back in XXXX I signed up for Cash App. In XXXX I received a money transfer. A direct deposit for around XXXX dollars. 

I tried to send some of the money else to another person. My transaction was blocked for my protection according to the cash app. Not long after that someone unbeknownst to me was able to log in my account and remove my phone number and email addresses associated with that account. I was notified of this when the information was changed, but i was not at my phone and didn't notice until the next day. I have unable to gain access to my account. 

Since then I have contacted Cash App Support. 

today, XX/XX/XXXX, I received this response by email. 

Hi XXXX, We closed your case because it's been more than a week since we've heard from you. 

Please reach out if you still have questions. Here 's how : 1. Tap the profile icon on your home screen 2. Scroll to the bottom 3. Select  Cash Support Thank you, Cash Support For reference, your case # is : XXXX When i responded to this email that I have no way to cash out because I am still unable to login, i received this response. 

Hi, Thanks for reaching out but we dont currently monitor this email. For help and to contact Support, open your Cash App and : Tap the profile icon on your Cash App home screen Select Support Navigate to your issue Need more help? Tap Contact Support If youve already contacted Support and are following up about an existing issue, please respond to the last email you received and include the Case ID ( located in the body of the email ). 

Thank you, Cash App Support ref : XXXX : ref
Product: Debt collection

My client has a collection from an apartment complex, but my client paid everything once he moved out. Not only the apartment complex didn't give him back his deposit, but they are also claiming extra balances and fees that my client does not recognize. Hunter Warfield bought the debt and it's been trying to collect the amount claimed. On XX/XX/2021I sent a letter asking for verification of the debt, then on XX/XX/2021, the collection agency sent us a copy of the lease contract and a separate page with balances and charges that my client does not owe. On XX/XX/2021 I proceeded to send a second letter stating that the extra fees and balances that they are claiming are not written down in the original lease contract. By today XX/XX/21 the collection agency still hasn't responded.
Product: Debt collection

I 've asked for the creditor to validate the debt by providing an itemized bill over a dozen times. During our correspondence they continue to harass and abuse me by calling me repeatedly at all times of the day offering to close said collection to coerce payment for a debt that I ca n't confirm to be true and valid. Despite these predatory and unlawful tactics they have now reported the collection to all three reporting agencies dropping my credit score from the high XXXX to the low XXXX. I have mailed them my rebuttals and their violations of the Fair Debt Collection Practices Act yet they still continue to with their unlawful ways.
Product: Checking or savings account

On XX/XX/2021 my sister sent me money through our chase banks. She sent me too much so I was trying to send it back to her. Apparently the account being open on XX/XX/2021 was a problem for Chase bank as I was new and made too many attempts to send the money so they locked my account. I contacted the bank on the morning of XX/XX/XXXX to have my account open so I can pay my bills including my rent. In the 11 years that I am living here I have never been late this will be the first time. So I was asked some security questions which I answered correctly on my end. The issue was when the XXXX XXXX address came up I said I never lived there which I didnt my brother did. This was supposed to be removed from my account. Even after explaining that I never lived there they refuse to release the freeze and I am told now I need to wait for my debit card to come so by the time I get the card in the mail all of my bills will be late. All because I told the truth about not living on XXXX XXXX. At the time my brother lived on XXXX I was residing on XXXX XXXX XXXX XXXX I have been on the phone since XXXX it is now XXXX XXXX and nothing has been resolved I even offered to send them photo id and ssi card I was told that wont work. They kept telling me I need to go to a local branch and I keep telling them I dont have one so again their solution is go to a local branch. I offered them the tracking number to my debit card and they again said that wont work All I know is I answered the questions correctly and the one customer rep said I did yet they refuse to release the hold
Product: Credit reporting or other personal consumer reports

I disagree with the information listed on my account, Equifax removed it before and now has placed it back on my report again. The address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX was not my address, This still appears on my credit report, even after your investigation. I would like this item immediately re-investigated and removed. The inaccuracies are highly injurious to my credit score. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inability to obtain my consumer report from XXXX, Equifax, XXXX. On XX/XX/year>, I requested a copy of my consumer report and was informed that additional documentation was required to verify my identity. 

I promptly submitted the requested documents, including my Drivers License and Utility bills, as instructed by XXXX, Equifax, And XXXX. Despite complying with their verification process, I have yet to receive my consumer report. 

I made several follow-up attempts to inquire about the status of my request, but I either received no response or was given unsatisfactory information regarding the delay. This failure to provide my consumer report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB take immediate action to ensure that XXXX, Equifax, And XXXX provides my consumer report without further delay and that they address any procedural deficiencies in their identity verification and report issuance processes. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

I recently discovered I had a rewards check mailed out to me which I did not receive. I was not even aware that one was sent and so was not on the look out for it. This is the Costco Anywhere visa. My account shows I earned the rewards and if they sent me a certificate I am requesting a copy of the certificate as Costco has offered to honor that if I can show even a copy of it. I am unable to get CitiBank to render a copy or even one I can print out. I earned the reward so I need to be enabled to get it. Please help. I am not even asking them for a new certificate but a mere copy of the lost one. Can you help? Or, if it was returned, then the original certificate. I will accept a fair exchange in the amount of {$100.00}.
Product: Credit reporting or other personal consumer reports

Due to the extent of this matter my information should have been updated within 4 days and if there was any additional information needed, I should have been notified within 5 days of them receiving my notice! Im demanding performance of this company in which they keep their obligation and follow regulations set out for them to follow dealing with trafficking of persons. Being a victim of trafficking in persons is a serious crime and the credit reporting agency are making me assessable to more harm and endangerment!
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have been trying to aquire a loan modification through Wells Fargo. However, the deciding factor is the lien I have against me from the state of California for rear child support. I have spoken with the child support division and the have spoken with their legal team. The legal team has told me, they are willing to temporarily lift the lien so modification can go through. The only documents they have requested from Wells Fargo and or myself is Mature Installments ''. I have completed paperwork 3 or 4 times now only to be tokd by Wells Fargo that I must come current on my child support. It has been very frustrating and disappointing to have had to repeat this process only to get the same result. If the State of California is willing to lift the lien, why is Wells Fargo refusing to provide the necessary documents?
Product: Checking or savings account

XXXX XXXX Account # : XXXX Open Date : XXXX Account closed and reported under my name on XXXX XXXX XXXX. This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.