23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hi, I live in Washington, D.C. and own a rental property since 2003. Since that time, the mortgage has been sold numerous times. It is now owned by a company called : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Phone number XXXX I have never missed a payment on this loan, I'm an excellent customer with a credit score ( mid 800s ), I  know this because we bought a car two weeks ago. Now, here is my complaint, each time a loan is sold it's incumbent upon me to set up a new UserName and Password and get used to dealing with a new company. They try to make it seamless, sometime it is, other times it is not. It appears, based on a recent series of letters that XXXX XXXX, now has a business partner called Loancare, a XXXX XXXX to help manage the loan. As of late, I have been getting threatening letters that I need to show " proof of insurance '' otherwise, they will buy me property insurance. Mind you I have owned this condo nearly twenty years and numerous times over the years have turned over a copy of the Condo Board 's Master Insurance policy. Per DC State Law, it's not required they I have another insurance policy for " inside the apt '',  but I do in fact, have additional insurance. After getting these harassing letters, I had to locate copies of both polices and send them to Loancare, so they don't buy me insurance. Mind you, I have no idea if Loancare is even a legitimate company, this is all very confusing to the consumer. But to avoid them buying me insurance I quickly located these policies and uploaded them to Loancare 's portal. Now, as soon as that process is complete, I have yet another letter from both XXXX and Loancare saying my payment is late. Mind you, I have had this loan since 2003 and it's on auto-pay, so I have no idea why this is occurring. If I try to call XXXX XXXX or Loancare the wait time is 30 minutes. This feel likes harassment and honestly I'm not even sure if Loancare is a legitimate company. Here is the Loancare info : Loancare, a XXXX XXXX XXXX XXXX, Virginia XXXX VA XXXX The customer service number is XXXX ; Collections number is XXXX Please look into these companies and into this business practice. I'm not sure if they are fraudsters, or just have terrible customer service. This just doesn't make sense, and I shouldn't have to spend time on something that should be so seamless, especially as a good customer. Thank you for attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my Equifax credit report are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , XXXX . XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against CashApp XXXX 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: Checking or savings account

My bank, Juno says- " Cash services are temporarily unavailable due to issues with our banking services. Our brokerage partner, XXXX has informed us that funds are safe and are securely held in reputable banks. Due to ongoing issue with banking service provider, XXXX XXXX  XXXX XXXX, currently there are disruptions to banking and card services. '' I have XXXX $ and I am a student in US. I need my money to pay for tuition but now its frozen. This is ridiculous. I am in lot of stress. I need help. My bank name is - Juno ( XXXX XXXX company ). I would like to file a complaint against it and its partner XXXX XXXX  and XXXX as well as the brokerage partner XXXX. 

Looking forward to hearing from you.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Prepaid card

from XXXX Claim with id XXXX I had my card lost money was stolen out of my account I did not authorize any of these transactions it was not even my name on the transactions I kept getting all kind of reasons they denied my dispute even though it clearly wasn't me who made these transactions it was like they were literally lying about why they denied my dispute and did not refund my stolen money of XXXX $ from a XXXX I have never ever done business with this merchant I have bills to pay it's ridiculous how I been treated
Product: Bank account or service

Paypal received a buyer complaint stating : XXXX/XXXX/XXXX XXXX PDT - Buyer : I WAS MADE AWARE THAT I WILL GET TICKETS AT THE VENUE WHICH WAS ON XX/XX/XXXX. I WENT TO THE VENUE BUT WAS N'T ALLOWED IN AS I DID N'T GET THE TICKETS AND SELLER IS NOT RESPONDING EITHER. I WOULD LIKE FULL REFUND I responded to this dispute with evidence and the case was decided in my favor on XXXX XXXX. I have indisputable evidence that the tickets were delivered to the buyer and that they did attend the event. I am attaching the email sent to the buyer with their electronic tickets for the event. 

On XXXX XXXX, I received the following correspondence from Paypal : We received a complaint from your buyer telling us the merchandise was not received Here are the details of this transaction : Transaction Date : XXXX XXXX XXXX Transaction Amount : {$1400.00} USD Transaction Number : XXXX Total Refund Amount : {$1400.00} XXXX Refund Amount Remaining : {$0.00} USD Invoice Number : Buyer 's Email : XXXXXXXXXXXX XXXX 's Name : XXXX XXXX After reviewing the issue carefully, we 've reversed the payment in accordance with our User Agreement and Seller Protection Policy. To make sure you had the money in your PayPal account to cover the reversal, your pending electronic or check withdrawals may have been cancelled. 

The buyer is lying. I provided proof to Paypal that the tickets were picked up and used for the event. Paypal has chosen to ignore said evidence. 

Paypal recently lost a class action lawsuit and had to pay a fine based on your efforts yet their business practices have not changed. 

Paypal attempted no further contact with me in regards to this decision. Paypal made no effort to check the validity of the claims raised by the buyer. Paypal is irresponsible in their handling of this. Paypal has a responsibility to properly investigate claims and review evidence submitted by both parties. 

This complaint is also being submitted to other governing authorities and I will be seeking arbitration at Paypals cost if they choose again not to resolve this case.
Product: Vehicle loan or lease

I am filing complaints against Us Auto Finance for closing and file bankruptcy without my acknowledgment and that my kill XXXX doesnt stop beeping and complaint against Westlake Portfolio management for not providing that they have my contract with my signature on it, I also what a refund for my GAP insurance in the amount of {$690.00} that they dont honor that I paid for and not honoring the deferment of {$590.00} that I paid for and charging late fees that are not in the original contract. I have requested many time for my contract with my signature, also my credit was hit very hard, westlake hasnt report to any of the XXXX credit companies, I want the refunds for Gap and deferment amounts and my credit fixed ASAP or as for the deferment amount be used for my XX/XX/XXXX and XX/XX/2023 be used for those payment dates Thank you
Product: Credit reporting or other personal consumer reports

Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

Accounts : XXXX XXXX XXXX XXXX XX/XX/18 {$210.00} Inquiries : XXXX - Card Service On-site Manager
Product: Debt collection

in XXXX, I won a dispute by having " Diversified Services '' closed and removed from my credit report. After reviewing my report this morning with XXXX, the collections were RE-OPENED and RE-ADDED to my report. I know that this is illegal. I want the RE-CLOSED and Removed without me having to contact the BBB. Thank you
Product: Debt collection

Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. NAVY FEDERAL CR UNION XXXX and NAVY FEDERAL CR UNION XXXX. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. I do not consent to an electronic communications. I request all responses be in writing throughtheusps I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Money transfer, virtual currency, or money service

Hacker had me open a Robinhood cryptocurrency account and uses this as a source for a refund scam from tv streaming service XXXX. The hacker then takes about XXXX XXXX through cryptocurrency at Robinhood. I have disputed this with my bank and Robinhood, I reported this as fraudulent and unauthorized transactions. They still havent refunded me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered 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 XXXX and Equifax credit bureaus 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 this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute about two different accounts that are a fraud and I sent in a copy of my FTC REPORT AND POLICE REPORT. Based on the FAIR CREDIT REPORTING ACT SECTION 605.B BLOCKING of information resulting from identity theft 15 usc s 168 c-2 states that not later than 4 days after agency is contacted by consumer and informs them of the identity fraud shall accounts be blocked from the consumers credit report. Equifax credit bureau is in direct violation of the FAIR CREDIT REPORTING ACT, I received a letter from them saying they will not block the accounts but instead they will contact the creditor to verify the information.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX  XXXX  Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. Remaining Fraudulent Accounts :
Product: Vehicle loan or lease

On XXXX XXXX, 2017 I made an online payment of XXXX for my car loan for Bridgecrest ( formerly XXXX ). When that payment posted to my bank account on XX/XX/XXXX Bridgecrest had taken those funds twice. I then called my bank and they reversed one of those payments due to Bridgecrests error. On XX/XX/XXXX, I checked my Bridgecrest account and noticed that they had reversed my payment on their end and charged an NSF fee. I then called Bridgecrest where they continually told me that the payment was stopped. I explained that the payment was reversed by my bank due to them pulling it twice. They said the only thing I could do was send a bank statement as proof the payment came out twice and was reversed once. I asked if there was another means of providing proof since my bank statement wouldnt generate for 2-3 more weeks. They then said that it must be my bank because other banks will provide it and I could only resolve it with a bank statement. Once I received my bank statement on XX/XX/XXXX, I emailed it to them. After a week of no notifications, I called and verified that the statement was in fact received. The manager said that it would be sent over to the treasury department to be fixed and she saw that there were 2 payments made and one reversal. She also assured me that the collection calls would stop while they fixed it and it should only take 48-72 hours for the error to be resolved. Today, XX/XX/XXXX, I had to call them because I have continued to get collection calls and the issue still hasnt been resolved. When I called the manager told me that after research they never received the payment and it wouldnt be fixed. I then spoke with XXXX who was extremely rude and after not taking no for an answer she asked that I emailed her my statement again for research. I asked how long before she got back to me and she couldnt answer my question. Bridgecrest is essentially stealing my money and do not want to fix an error that was made by them. I am having to call and email information over and over with no resolution. Also, during this time I have only received automated collection calls. No calls from a live person or a letter to inform me of what is going on.
Product: Credit card or prepaid card

I was charged TWO payments for Homeowners Insurance from XXXX XXXX. 
The policy was from XXXX XX/XX/2020. They cancelled me XXXX. They took 2 payments and the last payment was for {$960.00}. I disputed the charge, the Merchant even told Citibank I only owed {$200.00} of the XXXX and the insurance company FAILED to refund my money and citibank gave them the money anyway and kept the charge on my card
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$940.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$940.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have asked a XXXX bureaus to fix the inaccurate info on my credit reports last XXXX months i have submitted claims about the XXXX XXXX  credit card account on my file it is still being reported as a charge off of {$90.00} and it is showing paid and that i still owe. 

my account became late due to XXXX and i requested it be closed the card issuer did not and i became sick and XXXX  and the late just kepted adding on i contacted XXXX XXXX and paid balance they said i owed they said it would be corrected on there end..
Product: Student loan

Why wo n't you investigate Federal Student Loans? XXXX has a policy in place of applying extra payments toward future payments, thereby collecting more interest and keeping borrowers in debt longer and longer. They have layers of obstacles making it difficult, if not impossible, to pay only the minimum amount each month and pay down principle with extra payments when you can. They threaten to increase your minimum if you ask to make principle reduction. 

Imagine if you wanted to pay an extra {$300.00} on your mortgage, and the bank said they " ca n't do that, and if you ask us again, we 'll raise your interest rate ''. That is pretty much what XXXX is saying to thousands of student borrowers.
Product: Student loan

For the past several years, I had been received several calls for payment, when I stated I would like lower payment plan, customer service didn't offer much of a solution. 
They wanted the money. This had been going on for several years until recently-the past several months it had been less harassing. Currently trying to pay online, Navient has a pop up wanting to say " yes for sending emails '' and can not say no to this pop us, unable to may payment online, tried to call to make payment by phone. The computer system is down and to call tomorrow. Its affecting my credit.
Product: Checking or savings account

XXXX XXXX, as an accomplice employed on the behalf of CAPITAL ONE FINANCIAL CORPORATION and the CAPITAL ONE FINANCIAL CORPORATION and CAPITAL ONE LLC and all CAPITAL ONE subsidiaries contracted with the parent corporation for the violation of Title III American Disabilities Act also known as ADA after repeated warnings and a cease and desist communication in XX/XX/2018 the CAPITAL ONE FINANCIAL CORPORATION has violated the ADA and the offenders are subject to {$50000.00} penalty for the first offense and a {$100000.00} penalty for the second therein and CAPITAL ONE FINANCIAL CORPORATION and XXXX XXXX have egregiously violated my rights with the perjury claim document provided for the false security alert claim as they have block access to the account strategically and precisely to cause and or generate and charge additional fees for the credit card accounts in which they have no record to provide as to how the accounts were actually created and or refusing to disclose the corresponding entries for the bank book ledger and the document contract with their signature
Product: Credit reporting or other personal consumer reports

I hereby dispute the validity of this account in its entirety and demand the following. 
1. Proof of Licensing : Provide documentation demonstrating that your company is licensed to collect debts in the state of FLORIDA.

2. Validation of Debt : Provide full validation of the alleged debt under 15 U.S Code 1692g of the FDCPA, including the original creditors name, itemized detail of debt, and evidence of my liability for the debt.

3. Cease and Desist : Until you provide the above documentation, you must cease all collection activity, including reporting debt to credit bureaus, under 15 U.S. Code 1692c. 

Be advised that attempting to collect a debt without the proper license is a violation of STATE and FEDERAL LAWS, and I will not hesitate to file a complaint with the Florida Office of Financials Regulation, the FEDERAL TRADE COMMISION { FTC } and the Consumer Financial Protection Bureau [ CFPB ] if this matter is not resolved promptly. I also reserve the right to pursue legal actions for damages caused by your unlawful collection practices. 

Please consider this a formal request for all communication regarding this matter in writing. Any further attempts to collect without appropriate licensing or validation will be reported as harassment. 

ACCOUNT NUMBER XXXX  ACCOUNT NUMBER XXXX  I expect a response within 14 days of receipt of this letter. 

Thanks for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are late though your company claims to have verified these Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX