23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it may concern, 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 a number of items on the report that are inaccurate. 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. 

XXXX XXXX XXXX  XXXX XX/XX/2019 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 dont 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 accounts must be promptly deleted. 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. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE 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. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Debt collection

This is a complaint from  XXXX   XXXX  again st Mercantile for Mercantile 's fa ilure to provide requested information for the debt alleged. On   XXXX   XXXX   XXXX      ( consumer )   XXXX   XXXX , received a demand letter from creditor,  Mercantile.  On   XXXX   XXXX   XXXX    , consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact  ( s ) ; b. Any notice ( s )  of assignment or receipt of sale of the debt alleged ; c. Any not ice ( s ) of d elinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ;  f. Proof th at you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.    Mercantile res ponded on   XXXX   XXXX   XXXX     providing only statements, and no chain of title. On   XXXX   XXXX   XXXX    , consumer ( through legal counsel ) responded asking for a chain of title. It has been  Over 6 w eeks since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of  USC 1692, and oth er federal acts which require lenders and deb t collectors to a ct in good faith and refrain from unfair deceptive or abusive acts.
Product: Checking or savings account

Navy Federal Credit Union placed several restrictions in my account after filing for Bankruptcy for a medical reason. 
On 2017 someone used my card without my permission and Navy Federal denied the dispute claim and they deducted the money from my checking account. As I was presenting medical issues and  difficulties To pay the negative balance from the reason mentioned before, they closed my account. 
Then I stated making payments in that negative account until I had to file for Bankruptcy. 
Now after my bankruptcy was discharged All the time when I apply for something I get declined because I caused a lost to Navy Federal Credit Union per the credit Departament, once I try to call them they transferred me to Bankruptcy Depto trying to collect the money that was discharged on the bankruptcy. 
My bill pay service is also restricted in my account and they dont let me use bill pay because the balance that I have with the bank, balance that is discharged already in a Bankruptcy court.

They say until the discharged balance dont get pay I will keep restricted of using bill pay and also there is many issues with XXXX.
Product: Debt collection

Send off a validation letter to the creditor to show proof with signatures. The creditor sent over a past due bill with no validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION states erroneously that Chaper XXXX bankruptcy that was dismissed/withdrawn is the same as a Chapter XXXX that was Discharged, and the Two concepts are completely different : as follows One shows the abdication of debts= discharge The other shows the LACK of follow through and should not be counted against you in a credit file. 


I should not bear the negative consequences of changing my mind ( due to bad legal advice in a divorce ) since it affects no creditors and the item should be removed and my credit score increased
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS STOLEN AND USED WITHOUT MY CONSENT SOMEONE OPEN A MORTGAGE IN MY NAME, CELL PHONE AND RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  XXXX. On XXXX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Money transfer, virtual currency, or money service

I have a reservation regarding HSBC bank as I have transferred 2020 USD from XXXX broker to my XXXX bank account in XXXX XXXX ( that is also a USD account ) via XXXX or wire transfer and selected HSBC as my correspondent bank. I selected it because XXXX bank ( XXXX XXXX XXXX  ) is linked to HSBC bank. But now XXXX bank is saying that HSBC bank has cancelled your transaction. Please ask them about it and try to resolve it at earliest possible because I want this amount urgently. 

Regards XXXX XXXX
Product: Checking or savings account

On XXXX of XX/XX/2021, all money have been stolen from my citi bank accounts. I have never authorized the transfer and the bank didn't send me an alert before the transfer. 

I am still waiting for the solution from the bank while all my saving and checking money has gone. They just put it as dispute and claim to do investigation. I think they should handle this more seriously and rapidly. 

I have submitted a form of " Affidavit of Unauthorized Online Wire Transfer '' to the bank.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize the creation or association of these accounts. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report without delay. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$19000.00} Fraudulent Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX L Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but had also allowed repeat offenders to exploit the system, leaving users to scams. This lack of accountability and transparency is highly unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

XXXXXXXX XXXX XXXX ordered the Trustee ( XXXX XXXX ) to illegally foreclose on my property and now they refuse to provide information to identify which entities the monies where distributed to with my equity. There are clear fraudulent activities taking place with total lack of transparency and accountability on XXXX 's part. 

On multiple complaints I requested for simple identification of the entities that had beneficial interest and to whom the funds were disbursed to. The response and answer clearly indicates that XXXX is hiding critical information and committing fraud. 

Their response is as follows : " Please be advised, when there is a foreclosure on a property, there is no HUD information provided. That document is only provided when there is a sale or short-sale of a property. Regarding the names of the entities that funds were disbursed to, since this was after the property was foreclosed upon, you no longer had interest in the property, and XXXX is not required to provide that information to you. '' Apparently they're continuing to charge to the account long after the property foreclosed according to XXXX 's provided internal report and records.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : US DEPT OF ED/XXXX XXXXXXXX .... Balance : {$92000.00} US DEPT OF EDXXXX XXXX .... Balance : {$82000.00} XXXX XXXX XXXX ... . Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According 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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.I demand that the following account be verified or removed immediately : ( XXXX : Account Number XXXX - XXXX XXXX, XXXX XXXX : Account Number XXXX - XXXX XXXX, XXXX XXXX : Account Number XXXX - XXXX XXXX, XXXX XXXX : Account Number XXXX - XXXX XXXX, XXXX XXXX : Account Number XXXX - XXXX XXXX, XXXX XXXX : Account Number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX  XXXX {$8000.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX, XXXX - {$500.00} Opened XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX {$620.00} Opened XXXX. XXXX, XXXX
Product: Credit card or prepaid card

To whom this may concern, I am writing this letter because I have tried numerous times to resolve the issue of late payments during hardship that were reported on my credit report. XXXX was called and verbally told that I was unable to pay the credit card debt at the time because I lost my job due to Hurricane Harvey. I was unable to work. They continued to ask if I had a family member or someone who could help me pay, but I did not. At the time, I did not even have a place to live or a car anymore. I am not only taking care of myself but XXXX young children as well. I was also in XXXX at the time. The first representative I spoke to over the phone, who was female, was very nice and understanding. The second representative, that was a man, was very rude. He was disrespectful especially being that I had already told him and the lady before him everything I could. I told them both that I would be able to make a payment by XX/XX/XXXX. He began to get personal and ask me what would change between the time of his call and XX/XX/XXXX. He even asked where I would get this money from. I tried to explain my situation the best I could, but when he raised his voice, I had to hang up the phone. With all that being said, I stayed true to that promise. I was able to make a payment on XX/XX/XXXX and by XX/XX/XXXX, the debt was completely paid off. These representatives did not note my account of me being in a hardship or even provide other options of other routes ( lower monthly payments, lower interest rate, etc. ) to work out an agreement to save my account or protect my credit. Not only was my account closed, but I also had to pay late payments between XX/XX/XXXX and XX/XX/XXXX. 
For the last two months, I have been sending letters and emails in hopes of having these late payments during the dates of XX/XX/XXXX and XX/XX/XXXX removed from all three credit reports. The account is now closed and paid off. I have only received one letter back stating that they could not dispute accurate information, however, this information is not accurate. I do not believe they have done the proper investigation with my account being that I let XXXX know I was unable to pay due to loss of job and home because of Hurricane Harvey. I have attached bill statements to correspond with my promise to pay by XX/XX/XXXX as well as the letters/emails sent for the request of late payment removals. Dates are included on letters. All personal information is blacked out due to privacy.
Product: Money transfer, virtual currency, or money service

CASH APP is the problem and have been the problem for a while now. It has been 3.5 days since I've been able to access my funds on cash app. I believe they are being hacked. I have money in that cash app account that needs to be with drawn ASAP!!!! 
They don't have a number to call, I tried to log in on the computer but it keeps telling me to use the app. ( App hasn't worked for me in 3.5 days. I've logged out and logged back in, still same XXXX XXXX XXXX XXXX I NEED MY MONEY NOW!!!!!!
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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 55 financial loss, and I seek appropriate redress For these violations.
Product: Checking or savings account

To whom it may concern : I noticed my XXXX Business checking account was overdrawn, so I checked it and found that dating back to XX/XX/XXXX, someone gained access to my business checking account number and routing number and started doing ACH debits. The payments were made to XXXX XXXX, XXXX, Sam 's Club, XXXX and XXXX XXXX XXXX. The names used were XXXX XXXX XXXX and XXXX XXXX. Two names I've never used and people with whom I have never associated. The amounts ranged from the {$500.00} range up to {$4000.00} more recently, totaling approximately {$21000.00}. 

Once I noticed this, on XX/XX/XXXX, I called XXXX Bank and filed a claim. They state they are only allowed to reverse charges that were within 30-60 days of the first occurrence. The most recent occurrence was XX/XX/XXXX. Within the past couple weeks, the criminal debited my account for more than {$10000.00}. I called all of the above companies and they stated they couldn't do anything and to talk with my bank ( XXXX ), who is not helping me any further. 

In the past, I received texts or emails about suspicious activity, which I believe this is, and I never received any notifications from my bank regarding any of these debits, even though someone else 's names were used for the transactions. 

The transactions with dates and amounts are in a supporting document.
Product: Mortgage

From XX/XX/XXXX to XX/XX/XXXX, I was the owner of a co-op at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The mortgage was held by NewRez LLC DBA Shellpoint Mortgage Servicing. " NewRez '' was not able to locate the proprietary lease for my co-op, thereby delaying the closing from XX/XX/XXXX to XX/XX/XXXX, and causing us to unnecessarily pay {$1300.00} in interest to them through thru XX/XX/XXXX. 

On XX/XX/XXXX, I verbally accepted an offer to sell this co-op and on XX/XX/XXXX we retained a closing attorney. The atty began working with XXXX XXXX XXXX XXXX XXXX ( XXXX ), a law firm who represents NewRez in New York XXXX. 

On XX/XX/XXXX, my atty provided XXXX with a form I signed authorizing NewRez to locate my stock certificate and priority lease for the closing. NewRez immediately confirmed receipt of that form and warning that turnaround time would be XXXX weeks. 

My atty emailed XXXX for a status of the stock certificate and priority lease on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, XXXX responded, saying that they received our file from NewRez but the proprietary lease was missing. 

It took until XX/XX/XXXX for NewRez to confirm they could not locate the proprietary lease. They then prepared a Lost Proprietary Lease Affidavit for approval by the co-op transfer agent. Thus, closing dates could not even be discussed until then and XX/XX/XXXX became the first closing date all partied were available. 

I would like to also note that NewRez 's inability to keep track of my lease also caused me to incur {$1400.00} in co-op fees for the month of XXXX. 

Federal law requires mortgage companies to provide pay-off figures within seven business days of a written request. Thus, I am sure you will agree it is unreasonable that we had to wait *eleven* weeks after alerting New Rez that were selling this co-op to pay off this 8 % mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I first decided to try to get pre-qualified for a loan I looked online at loan companies. ONE time I gave my email address and all of a sudden I had several companies emailing me about a loan. I immediately unsubscribed from every one of them and where I could I typed a message that was very clear that I was no longer in the market and that I had unsubscribed and not to call me or email me again.

But now I've had six ( 6 ) companies that keep hitting my credit report and I've never spoken to any of them. They are : ( XXXX ) XXXX ) - XXXX/Midwest Equity, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX ; ( XXXX ) XXXX ) - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DE, XXXX ; ( XXXX ) XXXX ) - ( XXXX : XXXX ) - XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, IN XXXX ; ( XXXX ) XXXX ) - XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX, IA XXXX ; - XXXX XXXX XXXX , XXXX XXXX XXXX., XXXX, WI XXXX ; and - Celebrity Home Loans, XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received my dispute results from Experian. Experian stated during their reinvestigation on the XXXX XXXX  XXXX XXXX and XXXX XXXX, they only contacted the company. Pursuant to ( 15 USC 1681a ( e ) ) Experian is in violation of the FCRA in regards to how they was suppose to investigate my disputes. Also, I never gave Experian Permissible purpose ( 15 USC 1681b ) ) to report such information. Please help me rectify this matter.