23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To the Consumer Financial Protection Bureau, I own a home located at XXXX XXXX XXXX XXXX, XXXX XXXX Arizona XXXX and pay my XXXX fees to XXXX XXXX XXXX currently. 

In XXXX 2016 I made the assessment payment in the amount of {$250.00} In XXXX 2016 I received a letter from XXXX XXXX XXXX, regarding weeds in my front yard, and immediately corrected the problem. 

My next quarterly assessment to XXXX XXXX was due in XXXX 2016 of {$250.00} I unintentionally missed this payment, and proceeded online to attempt to make XXXX quarterly assessment payments at once. I was blocked from XXXX XXXX online bill pay. I called regarding my account and was sent to voicemail. Several days later I received a Notice of Lien filed against my home in XXXX XXXX, Arizona. After a couple of attempts, on XXXX/XXXX/16 I had the opportunity to speak with a specialist from XXXX XXXX, who was unable to give me any information regarding my account, and only advised me that this was sent to an attorney for collections, and that I needed to contact the attorney for any information. The attorney was XXXX, XXXX, XXXX XXXX XXXX in XXXX, Arizona. Their email address is XXXXXXXXXXXX. I spoke with a XXXX XXXX XXXX, who provided me with a list of fees that they claimed I owed, totally {$1500.00}!!! She could not tell me when any of the demand letters they charged me for were sent out, she could not advise me if any collection phone calls were made, and could not explain to me how XXXX missed {$250.00} quarterly assessment, turned into a lien on my home, and an outstanding balance {$1500.00}, that continue to create additional fees that I have to pay. I sent an email to XXXX ( that 's how I was advised to obtain information ) at XXXXXXXXXXXX. I received no response, nor have I ever been contacted via phone or letter for a payment, other than the XXXX I stated above. I also saw on the list of fees that I supposedly owe that I was being charged {$100.00} for weed fines. These have been kept up since the initial letter, and I do n't understand why I am being singled out for this. 

If anyone could kindly assist me, I feel taken advantage of as a consumer and home owner. I do n't understand why no one will help me or explain to me how to resolve this. I do n't understand how a missed assessment payment of {$250.00} has quickly compounded attorney 's fees, document fees and a lien on my home. I understand as a consumer, that if you have a late payment, a reasonable fee to be assessed would be expected. As a single, female home owner, who takes every precaution to pay my bills and protect my credit, I feel targeted by XXXX XXXX and am desperately seeking the assistance of the CFPB. 

XXXX XXXX
Product: Debt collection

They keep saying I owe them and I already filled serverous Reports saying it was due to identify theft and they still want take it off my credit it's not my account I don't owe XXXX XXXXplease get this off my credit cause it affecting my credit
Product: Debt collection

I had been doing business with XXXX since XXXX with no problems to my account that I was aware of. In XXXX XXXX I started to get emails and correspondence from an XXXX rep that my company owed {$2500.00}. They sent me their company spreadsheets with open invoice numbers. My wife tried several times to speak with the rep over the phone to go over our payment history but was not able to resolve this problem. We did n't understand how we could owe more than a years worth of services when we has been making monthly payments and if we did owe so much why would they continue to service our account. 

On XXXX XXXX, XXXX my wife was contacted by email by XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. He requested that we review invoices that he sent and payment status of those invoices in question. My wife emailed him all the payments with the check numbers on XXXX XXXX, XXXX. She totaled the amount of payments made and it was more than the amount they were requesting. She proposed that it may be possible XXXX owed us. She notified XXXX XXXX in writing that we do not agree with the amount owed to them. At this point, WE discontinued services with them. 

My wife emailed XXXX XXXX XXXX, XXXX and XXXX and never got a response in regards to the information she provided him. 

We received an email on XXXX XXXX, XXXX by XXXX XXXX of XXXX XXXX XXXX stating they represent XXXX and demanding the payment of {$2500.00}. My wife called him to explain she was still waiting for XXXX XXXX to contact her with results of all the info she provided to him at his request. My wife XXXX stated that XXXX XXXX interrupted her and began demanding the money and disparaging her. She hung up and we hired a lawyer. 

We sent all our correspondence with XXXX and XXXX XXXX to XXXX XXXX XXXX, XXXX located in XXXX XXXX. He sent notification that we hired him and for all correspondence to go directly to him. He never heard anything back from XXXX or XXXX XXXX. 

On XXXX XXXX, XXXX we received a collection notice letter from National Commercial Services on behalf of XXXX requesting payment of {$2300.00}. I sent this directly to my lawyer who sent correspondence on XXXX XXXX, XXXX notifying this company that he represented us in the collection matter. 

XXXX XXXX has not heard anything back from this company. 

On XXXX XXXX XXXX, I checked my credit report and saw that XXXX has reported me to the credit bureau stating I was delinquent in the amount of {$2300.00}, which is a different amount then what they originally told us we owed back in XXXX. 

We have provided documentation of our payments to XXXX, we have put in writing that we disagree with the amount they are requesting and they have failed to send any results or supporting data of what we owe. XXXX also refuses to contact my lawyer even though they have been put on notice that he represents us.
Product: Money transfer, virtual currency, or money service

My PayPal balance was hold permanently by PayPal without knowing the reason
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 cremes 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: Debt collection

I have sent Experian the correct stuff that they are reporting incorrectly on my credit report I sent them all the neccesary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me. I need them to remove the inaccurate accounts immediately. please remove the following fraudulent accounts : XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXXXXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX account # XXXX date opened XXXX XXXX, XXXXXXXX XXXX account # XXXX date opened XX/XX/XXXX XXXXXXXX XXXX  account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXXXXXX XXXX account XXXX XXXX date opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

Addr ess : XXXX XXXX XXXX XXXX, Maryland XXXX Fraudulent is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Name : XXXX XXXX XXXX XXXX ( r ) Fraudulent Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Accounts : Account : XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX Account : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX  : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX  : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Account XXXX XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX XX/XX/XXXX XXXX XXXX : Fraudulent Public Records : ID Number : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ID XXXX : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Hard XXXX : XXXX XXXX XXXX  : XXXX/XXXX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of fraud. I have contacted Equifax numerous times, and I have disputed this fraud items with this company. In additionally, I have send a copy of my police report to Equifax, XXXX, and XXXX. In XXXX of this year, both companies XXXX and XXXX  have proofed these was fraud and removed the fraudulent items. I called Equifax fraud Dept on XXXX to see why they still had the fraudulent items reporting on my credit report after XXXX proofed it was fraud and notify XXXX and both companies block removed and deleted the items. The two companies that are fraudulent are : The fraudulent items are : XXXX XXXX  : Reported Balance $ XXXX Fraudulent item XXXX : Reported Balance {$410.00} Fraudulent item Never heard of this company and have disputed this item before and required proof of document with sign. XXXX XXXX ( CLOSED ) : Reported {$560.00} -Fraudulent item- Account has been proven fraud and removed according your company response to last complain # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX ( CLOSED ) SAME ACCOUNT ABOUT WITH DIFFERENT REPORTING BALANCE : REPORTED BALANCE : {$920.00} ; FRAUDULENT ITEM. This account has been proven fraud by your company in before complaint ; however, it is listed on my credit report. Previous report number is : Your response : XXXX has been proven fraud by your company however, it is still listed on my credit report. Reporting Balance : {$7000.00} :, XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX. ). The complaint report number ( # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : ) XXXX have been deleted. XXXX : Reported Balance {$1100.00} Fraudulent item Never open this account. The collection account XXXX XXXX : Reporting Balance $ XXXX This item doesnt belong to me. The original company reporting it is XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( BLOCK , inc ) due to inadequate customer services and unfair practices, which violates the consumers 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, the dispute resolution process was unfair and deceptive as they do 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX University XXXX XXXX XXXX first issued the XXXX XXXX XXXX XXXX while a successful student at the XXXX XXXX XXXX and several payments were made although I incurred hardship due to economic disadvantages including COVID-19. My current status is postponed until XX/XX/2020 via a phone call from a XXXX representative, XXXX. However upon receipt of my account statement, disclosures of information indicated that fees and an amount should have been adjusted due to the current pandemic. During my attendance at XXXX XXXX University XXXX XXXX XXXX, the XX/XX/XXXX crisis in New York at the XXXX XXXX XXXX XXXX on XXXX XXXX transacted and several bodies were lost such as in the current pandemic of COVID-19 and additional financial relief should be required to offset my XXXX   school studies and other opportunities beyond. In addition to the foregoing, my XXXX school education should be paid for with financial relief disaster plan funds under the executive orders of Governor XXXX XXXX and approved through the White House and all forthcoming Presidents of the United States of America for my long history of problems incurred trying to find work after XXXX school and now as I am applying to return to XXXX in the XXXX at XXXX XXXX XXXX XXXX XXXX even my University of XXXX XXXX XXXX XXXX XXXX XXXX should los be allocated into the funds that would pay for my XXXX education and even XXXX School should that plan fail.
Product: Credit reporting

I sent a request to Experian in XXXX, asking them to investigate errors on my credit report. I have sent several follow-up letters to them, but I have yet to get a response.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate or incomplete. I am requesting that the items be investigated to correct the information Below are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ditech financial formerly Green Tree, denied our modification request as we are in a. hardship. They dragged their feet with the process for almost 3 months claiming that they did n't receive XXXX or XXXX paper that they we re sent. We kept record. SO in turn they denied us and now we are REALLY screwed our scores went down so low we ca n't even qualify for anything, what do we do
Product: Mortgage

I have a mortgage + escrow with US BANK. They havent pay the totality of my property taxes with XXXX XXXX. 

For the last 3 years i received bills to pay my property taxes and the last 2 years i received an overage check so i thought the bank was giving me the money to pay the taxes myself. It turned that they were only paying a portion of the taxes. 

And i was being fined by the county for paying late. 

I need restitution on this payments
Product: Debt collection

Collection agency reporting {$2900.00} as Open Account, & under collection accts ( XXXX ) times on credit report along with Original debtor XXXX also reporting, {$1900.00} as charge off. This is reported XXXX on credit report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I disputed this previously reinsert deleted bankruptcy with you all. Equifax responded back to you all stated that this bankruptcy had been removed. Case number XXXX is still appearing on my file. Also, their are case numbers XXXX in which it been over seven years and should be deleted. Case numbers XXXX in which does not belongs to me as well as case number XXXX. All these previous deleted bankruptcies was removed 2 years ago do to fraud and now they have been reinsert on my file.
Product: Checking or savings account

On XX/XX/2022, I deposited a check of {$1700.00} into my checking account. It was very cold and the ATM screen was all cloudy with ice. It refused to give me a receipt. The next day I saw the bank had credited me with only {$700.00}. I called Bank of America to complain but instead of looking into this immediately and tracing the check, they told me it would be treated as a dispute. 
After a week, I still didnt see the remaining funds so I logged into my account and realized that the check image was not even in my online banking. 
I called bank of America today and they are giving me the run around. The representative even hang up on me. 
This is not my fault. Their ATM was faulty and I am the one chasing to get my funds released. 
I either need my check back or the right amount deposited into my account. 
I need my funds urgently and Bank of America should release it
Product: Checking or savings account

I filed a dispute on a XXXX XXXX account and received a letter stating they had investigated and did not believe the transactions were fraud based on history. 

This bank has a XXXX complex when it comes to investigation disputes. They do a terrible job with disputes and always side on the merchant. I can refer you to many consumers who have this same issue with this bank. I disputed charges on a XXXX XXXX account and received a letter 3 days later stating they did not believe it was fraud. These charges originated out of the country. 

This bank needs to be reprimanded for all consumer 's benefit. This bank will also cancel your debit card for XXXX  years if you dispute what they feel is too many charges.
Product: Debt collection

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it, I found several items on the report that are inaccurate/no proof that it belongs to the alleged debtor. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please DO NOT respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified/no contract accounts must be promptly deleted. Also, in accordance with FCRA regulations, any account that does not bear an original signature on contract stating that the alleged debt holder agrees to pay or verified such debt must be removed immediately. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. During the verification and validation of accounts, please note that federal law requires that all accounts under review are to be removed from credit reports until validated and verified. In accordance with federal guidelines on debt collection practices, verifiable proof would be a signed contract ( bearing original print signature ; excludes electronic signature ) between alleged debtor and creditor reporting an account to the credit repository. If no such contract exists, then by federal law the CRA is require under FCRA to remove the account ( s ). Failure to abide by federal guidelines could result in government sanctions, punitive damages being paid to alleged debtor. As a CRA, it is your responsibility to verify validity and accuracy of items reported. The CRA is has 30 days to verify and provide documented proof to alleged debtor. Please also provide your bonding agent should legal recourse in this matter be necessary.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Product: Credit card or prepaid card

I was part of the class of XXXX Members whose old XXXX XXXX credit cards were moved to Barclays without our approval- it just happened and the new card showed up one day and the old one no longer worked ( as of XX/XX/21 ). I had several questions and gave up trying to reach customer service after 2 waiting periods of over an hour each. I finally got through and was told that the many emails I am getting about non-posted charges are probably phishing, and was told to forward them to XXXX. I have sent them over 20 such emails and am still getting 5-10 each day. They have not responded to any of my forwarded emails and now their phone system says they are updating their systems and I should " call back another time. '' I want to know if I can block the sender ( XXXX ) and ignore them or if this is a big problem which will cost me thousands of dollars. They simply won't respond. 

Additionally, the XXXX due date was the XXXX of each month and the Barclays due date is the XXXX. I set up autopay 3 days prior to the XXXX, but since the last bill was not paid until the XXXX I got a late payment fee on the XXXX of XXXX Their system is still showing a due date of the XXXX even though their stated due date is the XXXX! I have no way to resolve this for the coming month and fear another late payment fee. 

I can not call them or email them- they will not take a call or respond to email. Thank you for your help.