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

in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXXXXXX these accounts has violated my rights, 15 USC 1681 section 602 A states i have the right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: Credit reporting or other personal consumer reports

As Per guidance from the consumer Financial protection Bureau ( CFBB ) the document neened a letter from an advocacy group helping me due to XXXX XXXX according to XXXX-debt final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.1429 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605c of the fair credit reporting act.I am a victim of XXXX XXXX of debt bondage and would like all listing accounts blocked in deleted company information please delete the following accounts XXXX XXXX balance {$1400.00} XXXX balance {$3700.00} XXXX  balance {$5200.00} XXXX  balance XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a transaction for {$1000.00} with the reference number XXXX to WORLDREMIT. The recipient ( XXXX XXXX ) till date have not received the payment. 
I had called several times and was provided the reference number XXXX. 
They requested the recipient of money send his account statement to you from XX/XX/XXXX till XX/XX/XXXX. ( Which was sent to them ). But action was not taken. I have called several time with the minimum wait of 2 hours and customer service is telling me they will investigate and get back to me within 24 hours which they never did and I will call again and wait for two hour and will get the same response. I have a recorded evidence of all my communication with customer care. I also have email correspondence with World Remit. I will be more than happy to share this evidences.
Product: Student loan

I contacted Aidvantage on XX/XX/XXXX asking for a refund on all loan payments made from XX/XX/XXXX until that day. 

I was told that my refund would be processed immediately - I should see my new balance in my account within 2-3 weeks and could expect the refunded amount to be deposited to my checking account shortly thereafter. 

The approximate time given had passed and the refund had yet to be processed. So on XX/XX/XXXX I called customer service back asking for an update on my requested refund. That day, I was told that my loan request had been submitted on XX/XX/XXXX and was still waiting to be processed. I was given a new adjusted timetable of 4-6 weeks time to allow for processing. 

The 6 weeks has since past and no movement on my refund. So today, XX/XX/XXXX, I called Aidvantage once again asking for another update on my refund. I was told that my refund was still waiting to be processed and that I should expect processing to occur within 6-8 weeks. I asked the representative for the date in which my refund was approved and they stated XX/XX/XXXX. 

I have been told differing information each time I have called Aidvantage and have never received a confirmation number or email with confirmation - even though I have requested multiple times.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process 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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name XXXX XXXX Account numberXXXX It has been more than 45 days with no investigation on this account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I have XXXX single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00} XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$470.00}
Product: Mortgage

We live in Florida and had to evacuate for Hurricane Irma. Our area was declared a disaster zone and we were told that mortgage companies were required by the federal government to give us a 90 day grace period on our mortgage payments because of that. We contacted our lender, Mr. Cooper, and they confirmed that this program was available to us. They immediately put us in some kind of forbearance/deferment which they confirmed in writing. At the end of the 90 days, they declared us in default and demanded immediate payment of three months ' worth of mortgage payments. We contacted them and they're saying that we have to apply for refinancing. In other words, they're not moving the three payments we were given grace for to the end of the loan. It doesn't make sense that they would expect us to have all three payments available since the whole purpose behind this program was to compensate for the fact that we weren't able to work while our area recovered.

We've talked to Mr. Cooper several times and they're refusing to work with us outside of forcing us to refinance. They've accepted several payments from us, but they're still forcing the issue. We don't think this is just or in the spirit of the law. It sounds like a scheme to try to take our house.
Product: Credit reporting or other personal consumer reports

Please consider this as my formal complaint to the EXPERIAN for allowing the unauthorized inquiries and for not taking corrections which are now damaging my credit reputation. I have my dispute letter dated XX/XX/2024, with the identity theft report number XXXX.They allowed the non-permissible inquiries to be reported in my credit file without proper notification. As I checked my credit report these inquiries are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act. This list of accounts has violated my federally protected consumer rightsto privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602a states i have a right to privacy.

15 U.S.C 1681 section 604a section A also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 A person may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that information is inaccurate. 

XXXX. XXXXXXXX XXXX sent a letter of validation with no response account XXXX. 
XXXXXXXX XXXX XXXXXXXX account XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXXXXXX,
Product: Credit card

On XX/XX/2024, I received a debt collection letter from the debt collection company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Their address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX Their phone number is ( XXXX ) XXXX. They are open at XXXX am to XXXX pm ( XXXX ), Monday to Friday. Their website is XXXX 

On the debt collection letter, it stated " This letter was produced on XX/XX/2024. '' The letter states " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX, XXXX as assignee of XXXX  XXXX XXXX. We will use any information you give us to help collect the debt. You had a credit card from Wells Fargo Bank , N.A . with account number _________. The total amount of the debt now is {$3600.00}. '' I do not have any Wells Fargo account. I do not do business with Wells Fargo. I do not owe Wells Fargo Bank, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The is at the least the XXXX complaint that I 'm filing against Smith Debnam Narron Drake Saintsing & Myers, LLP and XXXX within the last several months. I have been harassed and threaten for almost a year now with emails, phone calls, letters, and now a legal Judgement. XXXX XXXX XXXX has been consolidating and resolving XXXX debts for me starting in XXXX of 2014. Over 60 % of the debts have been resolved and I 'm waiting on the remainder to be resolved. But all XXXX has done is harass and threaten me since XXXX XXXX XXXX has been consolidating and resolving my debts. My rights have been violated and I want Smith Debnam, Narron, Drake, Saintsing, & Myers, LLP, and XXXX investigated by your agency and the FBI. They seem to be doing the same thing that your agency caught XXXX doing..? There is something illegal going on with XXXX 's practices and I would like for the Federal government to investigate all the parties previously mentioned. I 'm writing to the President of the United States, the U.S. Congress, the FBI, the Federal Trade Commission, the Governor of North Carolina, and the Governor of Ohio about XXXX and their practices ... I have already started writing. I 'm sending the copies of the Judgement to the White House and others mentioned ... and to as many media outlets as possible to tell the public what XXXX has done to me and possibly many others.
Product: Checking or savings account

on XX/XX/2021 my PNC Bank online banking was hacked and a fraudulent wire was sent for {$19000.00} from my account. The bank investigated and said there was no error on their part and wont refund the fraudulent transaction. In a XXXX sentence letter they said the case is closed and I am out {$19000.00}. This is beyond unacceptable and caused a multitude of hardships in my life.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX, 271 transactions went through on my credit card totaling {$12000.00} from XXXX XXXX and I was not notified by the Navy Federal Credit Union fraud alert system for suspicious activity.

I contacted the bank for a refund of all of the charges and a reason why this was not detected by their fraud alert system.
Product: Debt collection

i received notification about a collection placed on my credit. i called the company because i have never seen it before. they told me its medical bill from XX/XX/2017. i have never heard of XXXX XXXX or common wealth financial systems. now they placed it on my credit XXXX  years later i shouldn't have to suffer for a debt that isn't mine and also that is very old.
Product: Debt collection

I recently had a rather unfortunate occurrence with my ex property manager   XXXX   XXXX  .
After little to no communication from her for months, I went to talk with her about a debt she filed mid month, and expected paid within two days for threat of penalty. The conversation went poorly and ended with her threatening to kick me out and telling me she wanted me out by the end of the month.
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My roommate at the time had already left, and signed a paper breaking the lease.
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I proceeded to move out and believed the situation to be done.
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Fast forward two months and I receive a letter from a debt collection for close to {$5000.00} dollars. She is claiming that I never presented proper two months notice and a few other charges. When I went to review the documents she presented to the collector I noticed she had conveniently left out the paper terminating our contract.
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I have attached below the two only two documents she filed.
( Notice she only filed against me ) So yeah, thats my super annoying problem.
I just want to be rid of this.
I want to go to college and learn in peace.
Product: Credit card

I was charged interest on XXXX/XXXX/2016, but my balance was paid off on XXXX/XXXX/2016. This credit card was available for use on XXXX/XXXX/2016. The elapsed time was 21 days since the credit card was available to use to pay was 21 days. According to back of the statement, in order to avoid an interest charge, payment is to be made 23 days. A email was sent to Citi Bank stating the interest should not be charged however, Citi only said the charge was made according to the back of the statement.
Product: Checking or savings account

on XX/XX/2023 at TD bank in XXXX Connecticut I went into the branch to obtain a replacement debit card as I lost my wallet and all of my person financial cards was in the wallet but I never had the card turned off due to issues I would indefinitely encounter without proper identification. After getting a new license ordered through the state of XXXX, They give u a paper copy of your license to use as you wait XXXX business days for a replacement license. In the state of Connecticut all business are legally mandated to accept the XXXX paper copy with the state seal of licenses to conduct business. Companies in Connecticut dont have the option of refusing to accept this paper license with the XXXX seal however on XX/XX/XXXX that's exactly what happened. TB bank employees who were very rude by the way refused to issue me a replacement card and even denied me access to withdraw funds. I went through a XXXX minute verification process and even after the bank verification me through a rigorous process still denied me access to do anything on my account. I explained that despite what the bank policy is abroad, here in Connecticut you are subjected to state and local rules and guidelines which they clearly violated by not accepting the verified formnof identification issuesnto be by the State of Connecticut. I was treated like trash from off the street, talked to like my business wasn't wanted and disregarded in such a way that I was tempted to completely close out my account with TD. I was helped at another branch and got what I needed but the initial location in XXXX was disgusting and this matter should be looked in to further.
Product: Money transfer, virtual currency, or money service

I opened a chime account on XX/XX/2022. XXXX $ was sent to the account and immediately after the transfer went through they locked my account and said that it was suspicious activity and they wanted me to prove my identity they asked for several documentations which I provided still to this day I have not received any type of email from them saying if they were going to unfreeze my account or not I've never received a check saying that they said that they would send if they did not unfreeze my account I called I spoke to supervisors on three occasions and they put me on hold and then hung up on me every time I called.
Product: Mortgage

As defined under Real Estate Settlement Procedures Act ( RESPA ) Fair Debt Collection Practices Act as well as the Fair Debt Collection Practices Act ( FDCPA ), it is required that all accounting be applied based on actual amounts that are due. I have been paying an extra {$600.00} to {$700.00} per month towards negative escrow, which has not been applied accordingly. The monthly statements issued by SLS show that the minimum monthly payments due are {$1600.00}. The principal payment is {$200.00}, with interest being {$360.00} per month, which leaves the balance {$1000.00} to be applied to escrow ( ex B ). The {$1000.00} has not been applied towards escrow due, instead it has been held in suspense accounts and re-allocated. Per CFPB rule 1026.41, the amount due, has shown more prominently than other disclosures on the page and, if the transaction has multiple payment options, the amount due falls under each of the payment options and CFPB rule. 
Furthermore, the rule states that the monthly payment amount, including a breakdown showing how much, if any, will be applied to principal, interest, and escrow and, if a mortgage loan has multiple payment options, a breakdown of each of the payment options along with information on whether the principal balance will increase, decrease, or stay the same for each option listed must be shown. Since there is a lack of transparency in the negative escrow accounting, we are requesting that all payments be reallocated and applied to the negative escrow amount currently listed as {$21000.00}. 
CFPB Rule 1024.17 also has standards listed that must be adhered to in relation to escrow. if a servicer advances funds for a borrower, then the servicer must perform an escrow account analysis before seeking repayment of the deficiency. Proper analysis is not being performed to bring the escrow account out of delinquency.
Product: Debt collection

I XXXX, XXXX have no contract / agreement with XXXX XXXX XXXX. They created this account with out my consent and this is identity theft. The Attached document clearly states the Original Creditor is CITIBANK , N.A . and I didn't agree to a contract with them either. I formed an agreement with Best Buy which was paid in full when I Indoresed the consumer Credit Contract which is an instrument pursuant 16 CFR 433.1. When I Indorsed the Instrument a purchase money loan was submitted and I the consumer should have received to handle this matter but I never did. Pursuant to 12 U.S.C. 24 Seventh clearly states banks can't hold Securities nor does it say anything about lending out credit anywhere In the whole code. Banks aren't allowed to lend credit and that has been ruled on many times by the Supreme Court. 

If XXXX XXXX XXXX can Produce a Valid contract between XXXX XXXX and XXXX XXXX XXXX stating I agreed to pay any alleged debt please prove your claim. If you can't prove your claim you don't have one. " When no guarantee is made, No guarantee is given. '' There is no obligation to fulfill any contract that an individual has been forced, coerced, threatened, or fraudulently made to enter/ take part in by any means. There must also be full disclosure of the obligations and effects within the contract unless the one receiving the benefit of the contract waives the right to full disclosure ( of their own free will ) Contract must have - Consideration - meeting of the minds- must not be of unsound mind - offer and acceptance
Product: Credit card

I called the M & T BANK number on the website asked why I could not purchase on my new commercial credit card updating an old one, and representative transferred me from consumer to commercial and guy asked for the first 5 of my social to verify, then tells me it does not work. He now has my full social security number and our finance department stated it is my last 4. So either he is up to something fraudulent potentially or there is another reason I could not verify my commercial account today XX/XX/year> at about XXXXXXXX XXXX XXXX XXXX. The issue is asking for an odd number for my account rather than last 4. I wish this to be investigated to see if other customers has seen any misuse of their personal data. I now have to have our finance person call to find out why this account does not work and this person has my full SS # since normally the last 4 show up!!!
Product: Mortgage

Paid off XXXX mortgage in XX/XX/XXXX of 2022 have proof of payoff but they are refusing to release the deed of full reconveyance have contacted them several times through phone calls and emails still have not received the deed. My mortgage company is loan care account servicing phone # XXXX address XXXX XXXX XXXX XXXX XXXX az XXXX. My home that I paid off is in Alaska
Product: Money transfer, virtual currency, or money service

Paypal is forcing me to keep an account open against my will. Paypal refuses to close my account until my open claim is closed. However, their website says my claim is closed/denied. In addition, They did not permit me to close this supposed open claim so I could leave. They are forcing me to keep an account open with them indefinitely. I owe them no money. They are forcing me to keep an account open against my will. 

Situation is even worse because my account was breached ( some skeezy company charged me {$19.00} ) and Paypal denied me relief over their faulty charge. They let me get ripped off and are forcing me to keep my account open to boot! 

I called on XX/XX/23 and spoke with two individuals of the company after trying to cancel online.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.