23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX  Account Name : XXXX  : Account Number : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I opted out of the automatic payment via ACH option on my account and the request was made with no problem. On XX/XX/2020 I sent an email to Avant requesting that my banking information be deleted since I am no longer using that option and they refused. I called on XXXX a few days before my payment was due to inquire about how to cancel the autopay. At that time the payment was due in a few days so I told the representative that I would let that payment go through and I would call back. On XX/XX/2020 I can't remember if I called or went online for the request to cancel the autopay, but it was done immediately and I received a confirmation email right away. I have been going back and forth with them by email about deleting my banking information. They can't remove it because of federal regulations. How does my banking information fall under the federal regulations that they are citing? My banking information is personal and private. If I am no longer using the automatic payment option there is no reason for them to hold on to my banking information. I chose another way to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX account # XXXX 30 days late on XX/XX/2021. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Against Cash App ( Block , Inc. ) for Customer Service Failings and Regulatory Violations To Whom It May Concern, I am writing to formally lodge a complaint against Cash App ( Block , Inc. ) regarding egregious deficiencies in customer service and practices that I believe violate the Consumer Financial Protection Act ( CFPA ).

In particular, Cash App has exhibited a conspicuous failure to implement timely and effective measures to mitigate and address fraudulent activity on their platform, resulting in my account being left vulnerable and inadequately protected. Furthermore, I have encountered significant issues with their dispute resolution process, which I assert is both inequitable and misleading. Cash App has failed to adhere to the mandated error resolution protocols outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. 
The repercussions of these actions have not only imposed considerable inconvenience but have also led to substantial financial losses. In light of these violations, I am seeking appropriate redress and remedial action. 
Thank you for your attention to this matter.
Product: Debt collection

I noticed Portfolio Recovery Associates on my credit report and I've never had a XXXX XXXX  and Portfolio Recovery Associates is claiming I owe {$800.00} based on last report. However, when I contacted them, the information they have does not match and they are unable to share or provide ANY information linking me to this account. This is 100 % against CFFB policy and they should be fined for trying to collect a debt that is not owed. 

In my complaint, they send a credit card statement with someone else 's address in California ( and I live in Florida ). Also, despite responding to the complaint they have refused to remove the fraudulent attempt to collect a debt without validating the debit. I hereby request once again the below information. 

Portfolio Recovery has REFUSED to provide the below : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Signed agreement, and application/contract that validates the agreement between XXXX XXXX and XXXX creditor. This was never shared, so it's evident this is fraud. 
Detailed view of what the debt is for, including a signed receipt for any goods & services you're trying to collect this debt for. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to a collector.

Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Product: Credit card or prepaid card

I have an LL Bean XXXX with Citibank. Back in XXXX they sent a notice in the mail that you could earn $ XXXX for the 3 months of XXXX, XXXX and XXXX if you spent a certain amount ( say {$200.00} ) on groceries each month. I promptly activated the offer and more than fulfilled my purchase requirement each month to earn the {$25.00} in Bean Bucks or {$75.00} TOTAL. When I called in XXXX to ask when I would see my XXXX Bucks applied to my account they said it could take XXXX billing cycles. Well that has not happened and I have called XXXX times now to discuss with a rep or even team leaders and no one can give me an answer as to why my Bean bucks have not been applied. I just got off the phone this a.m. ( XX/XX/22 ) with another supv. ( XXXX- # XXXX in XXXX XXXX ) and was told someone would get back to me. That is the XXXX time now I have heard that. I do not know where to turn to get this resolved and get my earned bean Bucks credited to my account. Please HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of looking into buying a new home and was discouraged to find out that my credit has dropped immensely which is hindering my ability to close on my home. I am writing this due to non compliance with Experian, XXXX, and XXXX. They have failed to remove information that was affiliated with personal details that were INACCURATE and challenged in the past. I strongly believe that they are in violation of the FCRA ( Fair Credit Reporting Act ) and are outright refusing to to uphold the law.
Product: Mortgage

I have repeatedly received invitations to apply for a modification and when I call to inquire, I am told that I was reviewed and did not qualify- however when I asked what was used to determine my qualification- there is no response. My concern is how could I have been reviewed if I was denied at the same time I was told more proof of income docs were needed, how could I be properly reviewed and denied in a matter of days? I sent in my application on XX/XX/XXXX and was denied a few days later ( as I was being asked for more documentation ). I have received incorrect information from my point of contact XXXX. He seems to take things very personally w me and is very rude and difficult to communicate with. 
I am requesting to submit settlement plan, but my representative has not sent me any detail on how to do so. I have received incorrect information from my point of contact XXXX. He seems to take things very personally w me and is very rude and difficult to communicate with. I have also advised SLS that I am experiencing COVID hardship and they were previously advised that I was affected by the CA Wildfire disaster of XXXX & XXXX. Both of which garnered no response from SLS. 
Furthermore an offer was submitted in XX/XX/XXXX, w a required down payment in XX/XX/XXXX and a notary- during the height of COVID 19. When we were under STRICT stay at home orders.
Product: Credit reporting or other personal consumer reports

1. Discover Credit Card- $ XXXX XXXX XXXX XXXX {$280.00} ( collection company ) 2. Discover card response this credit card was opened, delivered XXXX XXXX. 

3. I reported Identity theft to 'Federal Trade Commission ', 'Consumer Finance Protection Bureau ' and 'Local Police Station- Sheriff 's Office ' 4 . Discover card, XXXX XXXXXXXX XXXX denied my request that I am not in any relation with these company accounts and removed and deleted accounts on my personal credit file.

5. Discover card response card delivered address is verified with my public record and my email and phone number used to open this credit card. 

*** My personal information was exposed due to the " XXXX XXXX XXXX XXXX ''. This is why someone can use my personal information but card delivered address is never associated with me. This is a key point the card delivered address was not cleared proof and the Discover Card only mentioned that address stated my public record. 
" MY PERSONAL INFORMATION EXPOSED BECAUSE XXXX XXXX XXXX XXXX '' 6. I submitted and provided all Identity Theft reports to Discover Card but they ignored them.

7. Discover Card and XXXX XXXX XXXX THREATENED ME, they will keep filing this account to my credit bureau until I cancel my dispute request for this account myself.
Product: Debt collection

{$450.00} owed - covered by insurance. Coinsurance was incorrect. Tried to dispute. Still on credit report by American Collections
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have an investment property loan that is serviced by a company named Shellpoint Mortgage Servicing. Shellpoint frequently sends me letters requesting evidence of insurance for the properties covered by the loan. Each time I receive the letter, I immediately notify my insurance agent and request they provide Shellpoint evidence of insurance. There have been several instances where evidence of insurance has been provided to Shellpoint, and I am still unfairly charged for a lender placed policy, and I have evidence of this in case you would like to review it. I spend a substantial amount of time on the phone with Shellpoint customer service, trying to prevent them from unfairly charging me for lender placed policies. I feel that they send these letters requesting evidence of insurance very frequently and often do not correctly process the evidence of insurance when it is provided so they can earn extra revenue from lender placed policies. It is undoubtedly a shady practice that should be more closely regulated.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX. 
Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX  days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a personal XXXX  account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. 

These accounts have resulted in XXXX  fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of XXXX  Identity Theft Criminal Complaint XXXX  XXXX as proof from the XXXX XXXX XXXX XXXX  that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested both Navient and Dept of EducationXXXX a requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you on XX/XX/2023 Its been 30 days since I sent my request and have not received a response as of yet.
Product: Vehicle loan or lease

Bridgecrest refuses to allow me to make payments on its web portal.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( account number XXXX )
Product: Checking or savings account

My account was hacked and XXXX was taken they saw that my account was logged into by a device that wasn't mine XXXX  the amount was stolen and did nothing
Product: Debt collection

Citibank/CBNA has re-aged my accounts. They should no longer be on my credit report due to the statute of limitations in Texas. Instead of removing them they have been reporting that I have been making payments in order to re-age both of my accounts with them. For one ( starting with XXXX ) they reported a payment as recent as XXXX of 2017 with XXXX. I have tried to dispute the accounts with each of the credit bureaus and was not successful due to Citibank stating false payment information. I have also faxed Citibank asking that they no longer re-age my accounts and delete them from all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company began trying to collect on this debt inXX/XX/2015. Fortunately, this company is not licensed or bonded in the state of Texas to collect a debt. By law, they are to remove this debt from our credit report.
Product: Mortgage

XXXX XXXX turned our account to Select Portfolio Servicing in XXXX between XXXX of 2016. No explanation why our account to Select Portfolio Servicing.SPS Office has no idea what they were doing to read the system. I answered the system to accept the monitor on recording our conversations. SPS told me that they will not accept our personal check toward the Principal. They requested us in writing to ACH Withdrawal and I faxed them and they were supposed to add Property Tax into Escrow has not set up. I faxed again to requested the ACH withdrawal {$800.00} and set up on due date every XXXX of month. Since We were with XXXX XXXX. Select Portfolio Servicing, did not set up and without us knowing that they went ahead withdrew on XXXX of XXXX XXXX which i was charged by my bank and my bank overdrawn fee refund back in. SPS Office admitted mistakes on recording and supposed to credit it back in our acct. They withdrew {$700.00} on XX/XX/XXXX not following my instruction that i requested {$800.00} on XXXX each month. They keep asking me to send in writing to request again. I was so angry with them keeping asking in writing. I faxed few times to them for requested to withdrawal on due date and extra money to principal and escrow account. Select Portfolio Servicing Office these people do not know what they are talking about and I feel these people has no knowledge about our account history with XXXX XXXX. I was supposed to receive the lower interest by XXXX from 6.4 % to 6.1 %. SPS has no idea what I was talking about and they do n't even have no clue and said that the system shows. I feel there is something is not right and I do not know why XXXX turned our account to other companies that are working under the XXXX?? I believe there is a lawsuit against XXXX and I feel someone needs to investigate this company Select Portfolio Servicing.I want this solve the problem with them.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the validity of the student loan debt referenced above, which you claim I owe. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692 ( g ) and 15 U.S.C. 1692 ( c ).

1. Validation of Debt under 15 U.S.C. 1692 ( g ) : In accordance with 15 U.S.C. 1692 ( g ), I am formally requesting that you provide validation of this debt. Please provide the following : The amount of the debt ; The name of the original creditor ; A copy of any documents that prove I am responsible for the debt, including any agreements or contracts I signed with the original creditor ; An itemized breakdown of how the amount claimed was calculated. 
Until such time as this information is provided, I request that you cease all collection activities, including reporting this debt to any credit reporting agencies. 

2. Cease and Desist of Communication under 15 U.S.C. 1692 ( c ) : Additionally, pursuant to 15 U.S.C. 1692 ( c ), I hereby request that you cease all communication with me regarding this debt, except as required to provide the requested validation or to inform me of any changes in the status of this debt ( such as the decision to cease collection efforts ).

Please note that failure to provide the requested information, or any further communication in violation of this notice, may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory authorities, and I reserve the right to pursue legal action under federal law. 

I expect a prompt response to this matter within the legally mandated time frame of 30 days.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I called Midland credit Management regarding this debt that they have listed as account # XXXX, which they purchased from XXXX, the account from XXXX was charged off, which, I believe, is grounds to have it removed from my credit report. At any rate, I called Midland credit management, verified myself and spoke with a representative named XXXX. I gave my account number, they have listed, and humbly requested that she send to me a forward flow agreement, a chain of assignment, a debt validation letter, and had there been any insurance claims on this debt. She, at this point refused the request and stated she was going to put someone on the phone who could assist me. The next person I spoke with stated that her name was XXXX XXXX, and again, I asked for the above items, but to no avail. As a consumer, I am entitled to ask for these items and receive them, which they refused to do. Also they obtained my personal information without my knowledge or permission.
Product: Checking or savings account

I made a deposit from my business bank account ( local Institution ) to my personal bank account at Bank of America. The deposit was over {$5000.00}. I have had a banking relationship with Bank of America for over 20 years. I have made deposits from this account to Bank of America for over nine years without having bounced a check. There have been dozens of deposits over {$5000.00}. I made the deposit on XX/XX/XXXX at an ATM via check and the none of funds are available until XX/XX/XXXX. This is 10 calendar days and 8 business days which seems unacceptable given the nature of the relationship, the history, etc. Also, the bank should pay interest during the hold period if the funds are found to be valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

There was a collection account reported on my credit report on XX/XX/2020 for the amount of {$540.00} from XXXX XXXX XXXX. 
However the collection agency that the account was sent to was Enhanced Recovery CO L. 
According to the Cares Act I should have been notified of this account and also allowed an extension or grace period for this account. Also, this particular account was paid in XX/XX/2020 and therefore should not have been put on my credit report at all. I have lost my job due to the COVID pandemic and facing very hard times at this time and definitely do not have the funds to pay an additional {$540.00} for an account that is inaccurate.