23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a summons from XXXX XXXX on XX/XX/23 without prior warning that they would take legal action. I have not been able to contact their office with the phone numbers provided in their correspondence. The call gets dropped whenever I attempt to call them. Im able to get through but the call always gets disconnected after selecting the option to continue in English. 
My phone number is incorrect on their website and the only way to update is by phone. 
I tried calling them on XX/XX/23 and submitted a call back request with a good number on their website. I attempted to call again on XXXX, XXXX, and XXXX. I also submitted call back requests on XXXX, XXXX and XXXX on their website. 
On XX/XX/23 at XXXX XXXX I went to their physical office located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX but no one appeared to be in the office as the lights were off. There was a notice on the door with the same number ( XXXX ) the calls were disconnected from. 
I only have 20 days to respond to this summons but I am unable to contact them to discuss my account.
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 account vulnerable and unprotected. Futhermore their dispute resolution process was unfair and deceptive, as they did not comply with error resoultion requrirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropricatde redress for these violations.
Product: Credit card or prepaid card

I opened my barclay XXXX card in XXXX online, as I did the application online, I wanted to do a balance transfer from my XXXX account for the amount of XXXX on XX/XX/XXXX. That was the only balance transferI processed online. Once my credit was approved, I expect to see information on my balance transfer. I then called to confirm and add another chase account balance transfer for the amount of XXXX. In the midst of confirming and adding another balance transfer, Some how a third balance transfer was added at the mistake of the representative from barclay card for the amount of XXXX. They closed my account, I recieved a letter dated XX/XX/XXXX stating the balance transfer never processed and it was an invalid chase account. Online with my barclay card for the month of XXXX, my account shows the same information, how my account was credited back the invalid balance transfer for XXXX. Some how that balance transfer is now a " valid chase account " and is on my statement. I 've showed them all the proof and even the letter they sent me. I even had chase on the phone with barclay card telling them it 's not a valid chase account. In the event this happens they are supoose to open a claim with chase. They told me I need to contact chase and figure it out. Barclay card said they opened a claim, verified it 's a valid chase account under my name and they 're nothing they can do, I can write a letter to the president of the company. Basically this is n't my balance transfer, it was was their mistake, it 's not a valid chase account. They also, had a payment posted and taken off, I asked them to give me information on the payemt ; they also charge me interest on a brand new card. I 've asked barclay card to pull my phone records and listen to the call and they have done anything to help me as a customer! I have had nothing my problems and they resolution for me is to write the president of the company, they gave me his fax number. THank you
Product: Debt collection

In addition to contacting me after being notified to cease and desist communication, XXXX XXXX XXXX through their alleged agent SouthWest Credit contacted my cell phone on several occasion. XXXX XXXX XXXX has never had authorization to contact me on my cell phone. 
Additionally, this debt was disputed in XXXX of 2015. IN response, the previous agent for XXXX XXXX XXXX sent a few bills, but did not send the requested phone logs which will confirm cancellation of this account prior to the additional bills which were not authorized. 
Furthermore, in XXXX, 2015 in response to a new validation of debt letter sent by SouthWest Credit, no documents were sent and Southwest credit has unlawfully reported mt to the credit bureau in violation of the FDCPA. At this time I am in the process of purchasing a house and this defamation and slander of my credit will certainly adversely affect my ability to do so. If I actually owed the {$280.00} they are alleging, I would pay it instead of going down this route.
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 TransUnion 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. Fraudulent, inaccurate, and false information has appeared on my consumer credit report, specifically hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.Maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

On XXXX XXXX I received a BALANCE DUE NOTICE to renew my home insurance policy ( XXXX to XXXX ) from XXXX XXXX XXXX company.This notice also indicated that Bank of America ( XXXX XXXX, CALIFORNIA ) is responsible for the balance due.On XXXX XXXX XXXX sent me a NOTICE of CANCELLATION of my home insurance policy effective XXXX because the BALANCE DUE AMOUNT billed to Bank of America ( XXXX XXXX XXXX CALIFORNIA ) was not paid. Thereafter a letter was mailed to me from Bank of America INSURANCE DEPT. ( XXXX XXXX, TEXAS ), dated XXXX XXXX, it stated that my home insurance policy coverage has expired and they do not have an evidence that I obtained a new coverage. I was instructed to immediately provide evidence of a new home insurance policy coverage or they will pay for the new coverage which will be more expensive for me. I contacted the Bank of America INSURANCE DEPT. ( XXXX XXXX, TEXAS ) and informed the representative ( XXXX ) that my ESCROW ACCOUNT with Bank of America ( XXXX XXXX, CALIFORNIA ) is responsible for my home insurance policy payment. The following is the representative 's response to me : ( 1 ) I am no longer with Bank of America ( XXXX XXXX, CALIFORNIA ). ( 2 ) My account was transferred to Bank of America ( XXXX, FLORIDA ). ( 3 ) My monthly mortgage payment is low so I should be able to afford paying for my home insurance policy coverage.I question the representative why I did not received a notification of this transfer.He apologized and strongly insisted that I pay and obtain the new home insurance policy. I objected. Afterwards, Bank of America INSURANCE DEPT. ( XXXX XXXX, TEXAS ) sent me a SECOND and FINAL NOTICE, dated XXXX XXXX, notifying me to obtain the new home insurance policy coverage or they will provide it at an expensive cost to me.And they did. A Bank of America INSURANCE DEPT. ( XXXX, TEXAS ) letter.dated XXXX, that I received notified me that they have acquired the new home insurance policy coverage including the proof of coverage and how much more I have to pay them. According to Bank of America INSURANCE DEPT. ( XXXX. XXXX, TEXAS ) my account was transferred from Bank of America XXXX XXXX, CALIFORNIA to Bank of America XXXX, FLORIDA. However, I received a letter from Bank of America XXXX XXXX, CALIFORNIA, dated XXXX XXXX, informing me that my ESCROW ACCOUNT payment will increase, hence, my monthly mortgage payment also, effective XXXX XXXX ( from {$1200.00} to {$1500.00} ) .They also provided a copy of the SUMMARY of my XXXX ESCROW PAYMENTS and REIMBURSEMENTS which confirm that they paid the ANNUAL PREMIUM AMOUNT to RENEW MY HOME INSURANCE POLICY COVERAGE on XXXX at the amount of {$1400.00}. I do not really know who to believe and what to do now. I am a senior citizen and an XXXX veteran. PLEASE HELP!!!
Product: Credit reporting or other personal consumer reports

I have disputed these accounts before dating back until XXXX of XXXX  and nothing have been done. The credit bureaus are not doing any investigation and they are not blocking these items from reporting. I keep asking how are they verifying these accounts and i never get a response
Product: Credit reporting or other personal consumer reports

i recived a letter in the mail that someone has attempted to open up an amex in my madien name. i pulled a credit report XXXX had a few hard inquiries on my report.
Product: Checking or savings account

I am writing to file a formal complaint against Navy Federal Credit Union ( NFCU ) regarding the denial of my dispute for fraudulent charges on my XXXX XXXX Card. On XX/XX/2023, I noticed unauthorized charges XXXX XXXX XXXX XXXX on my account. After attempting to contact NFCU XXXX XXXX XXXX XXXX to no avail, I successfully reported these fraudulent transactions to NFCU on the following business day, XX/XX/2023. 
Despite adhering to the timelines and providing all necessary documentation as outlined in NFCU 's Zero Liability Policy Agreement, my dispute was unjustly denied. The Zero Liability policy, as per NFCU 's formal agreement, states, " The Zero Liability policy is our commitment to get your money back, often the same day, when you're a victim of fraud. We'll investigate your fraud claim on your behalf and issue you a provisional credit. '' Similarly, XXXX XXXX  XXXX XXXX policy provides protection for unauthorized transactions and emphasizes the importance of reporting suspected fraud as soon as possible. 
I firmly believe that NFCU 's decision to deny my dispute is in direct violation of the Zero Liability Agreements and applicable consumer protection laws. I kindly request the CFPB 's assistance in reviewing my case and ensuring that NFCU adheres to its obligations under the Zero Liability Agreements and the relevant consumer protection regulations. 

I appreciate your attention to this matter. 

Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my complaint # XXXX XXXX XXXX has agreed to REMOVE a paid collection with XXXX XXXX  XXXXrom my XXXX and Equifax credit reports entirely. I will attach their letter to this complaint which is dated XX/XX/2022. I am asking for XXXX and Equifax to handle immediately as this is damaging my credit and I have been trying to get resolved now since XX/XX/2022.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFFIRM INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all the hard inquiries that I currently did not authorize to run my credit or had a recognition of this is fraudulent activity happening on my account i wish to have removed as soon as possible.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, 2017, I sent a payment of {$10000.00} from my bank to Coinbase Inc. <P/>On XX/XX/XXXX, the transaction was shown as complete in my bank account, but the new balance was n't reflected on my Coinbase account. <P/>On XX/XX/XXXX, I realized that I sent the payment as a next day ACH transfer to Coinbase 's wire transfer routing number. I created a support ticket with Coinbase ( case ID XXXX ). I also contacted my bank to have them recall the ACH transfer, and contacted Coinbase to get instructions on how to get the money back into my bank account. I provided Coinbase with a trace number to track the ACH transaction. <P/>One XX/XX/XXXX, I received a response from Coinbase support with the following message : " Thank you for confirming it was an ACH. Unfortunately, these types of deposits are not currently supported. Please work with your bank to request the funds be returned. Once we received the request, we will process the return and the funds will arrive back to your account within several business days. '' On XX/XX/XXXX, I received confirmation from my bank that they had sent the recall request to Coinbase, and were waiting for a response. <P/>I subsequently contacted Coinbase 's support team through my support ticket on XX/XX/XXXX and XX/XX/XXXX, and also through XXXX @ CoinbaseSupport on  XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to get a response. To date, I have heard nothing from Coinbase 's support team, and have not received the {$10000.00} back in my bank account.
Product: Debt collection

I am writing to you regarding the fraudulent accounts that have appeared on my credit report. It has come to my attention that several unauthorized accounts have been opened in my name without my consent or knowledge. This is a blatant violation of my rights as a consumer and has caused significant distress and inconvenience. XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/NELN XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX, XXXX XXXX XXXX XXXX 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 was told by  XXXX   XXXX   XXXX   of    XXXX   XXXX   XXXX    that I would have a free appraisal if I used   XXXX   XXXX   for my loan.I later was told by my loan c onsultant  XXXX   XXXX   XXXX  that I will be rguired to pay for my appraisal and if I wanted to be reimbursed by   XXXX   XXXX   it would show up as a credit at closing and I would have to pay a higher interest rate for the loan than t he one lo cked in-these are misleading and deceptive practices and where I come from it is called a lie.this is an unethical loan broker and should be investigated for this other malfeasance.I will be taking this complaint to the government mortgage regulatory agency handling oversight of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey | XXXX : XX/XX/XXXXAccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,
Product: Vehicle loan or lease

On the XXXX day of XXXX, XXXX I signed a contract with XXXX XXXX to purchase XXXX XXXX XXXX XXXX # XXXX, at the price of {$31000.00}. I wish to cancel that contract because fraud was committed once I was informed that a down payment of {$1000.00} was needed for me to drive off the lot. Also, the dealership did not disclose that I had the right to rescind the credit consumer transaction. 
I hereby exercise my right to rescind the agreement under the provisions of the 15 U.S. Code 1635 ( b ) : and 15 U.S.C 1605 ( a ) upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 

In addition, I was given false and deceptive information, as I was informed that a down payment of {$1000.00} was needed for me to drive off the lot. Notice that Pursuant to 15 U.S. Code 1635 : Within 20 ( twenty ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. Pursuant to 15 U.S.C 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, and ask that you return my deposit/down payment of {$1000.00} within 14 days as required by law.
Product: Checking or savings account

I called Truist and waited on hold for an hour and a half to speak to someone. I am unable to log in to their website because I closed my account with them. The reason I closed my account with them is because of their horrible customer service. In NO WORLD will a client wait that long to be helped by their bank on a routine basis. They offer no other way to get in touch, and this ultimately locked up my money in the case I had any questions whatsoever. I needed to download a copy of my statement for this closed account. The statement date I need is for XX/XX/XXXX. It would be the one after the one dated XXXX and the one before XXXX. I spoke with XXXX in XXXX, NC on XX/XX/XXXX at XXXX. She was unable to help in any way which is not acceptable. THIS IS A SMALL BUSINESS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Consumer Reporting act XXXX XXXX allege account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  States I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX  : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

New Rez without my permission or knowledge cancelled my homeowners insurance twice. When I was considering them as a potential XXXX I was told to not speak to anyone to not entertain competition and was called An emailed XXXX to XXXX times a day. I was harassed and not allowed to have the situation escalated. I asked for this XXXX times. I could not even get the new XXXX rep to let me talk to the supervisor. XXXX to XXXX I was able to do an approved forbearance and for each month that I utilise this I was turned into the Credit agencies for being late even though this was a Mortgage company directed activity. I did not miss any payments nor was I late to any payments and so they insinuated that I was even when I had their permission.. XXXX
Product: Mortgage

Subject : Inquiry Regarding Account Credit and XXXX XXXX Dear Bank of America Customer Service, I am writing to express concerns about my loan account ( Loan Number : XXXX ) and the payment request despite a credit balance. According to House XXXX XXXX XXXX ( HJR XXXX ) of 1933, debts can be XXXX upon payment in any coin or currency that is legal tender at the time. Additionally, my Social Security XXXX XXXX is backed by the full faith and credit of the XXXX government, which I understand can be used to offset and discharge debts. 

Upon reviewing my billing statement, I noticed a credit balance ; however, there was no indication of a negative sign or note stating " credit balance. '' In standard accounting practices, the absence of a plus or minus sign typically denotes a positive amount. Therefore, I was surprised to receive a payment request on an account that appeared to have a credit. 

I respectfully request clarification on the following : Account XXXX : Confirmation of my current account balance and the reason for the payment request despite the apparent credit. 

Application of XXXX  XXXX : An explanation of how XXXX XXXX applies to my account and whether it affects my payment obligations. 

Social Security XXXX XXXX Offset : Information on whether my Social Security XXXX XXXX can be utilized to offset this debt. 

Please provide a detailed response to these inquiries at your earliest convenience. I can be reached via email at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX