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

Shermeta law group is fraudulent cashing check 's made payable to XXXX XXXX and not reporting the payments to my credit bureau since XXXX XXXX. My Payment 's are current and now they filed default judgement againt 's, I am a XXXX Employee that is XXXX and have XXXX. XXXX XXXX XXXX and their Client XXXX XXXX are in Violation of XXXX XXXX XXXX 's code of conduct and zero tolerance anti harassment that covers all XXXX XXXX division and entity 's including their Client XXXX XXXX. A complaint has been filed with XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX HR againt 's XXXX XXXX and XXXX XXXX XXXX, a Complaint has also been filed with XXXX and XXXX. They have also caused me to be evictied by not working with me when I was on layoff XXXX, and Ca n't afford my medications, These companies will not stop harassing me and making me sick with XXXX XXXX and XXXX. Maybe XXXX and their Client XXXX XXXX should review XXXX XXXX 's code of conduct and the zero tolerance harassment, legal action can be sought after XXXX and XXXX XXXX for violation of policy. Make them report those payments to my credit bureau and stop harassing me. Please. Everytime a complaint is filed I get no answer to the question, WHY ARE MY PAYMENT 'S NOT BEING REPORT TO MY CREDIT BUREAU????. I WILL KEEP FILING COMPLAINT 'S DAILY TILL I GET THAT ANSWER? Why will they not answer that question? Do I have to go daily to there office or to shermeta 's attorney house to get a answer??? This also need 's to be sent to XXXX XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am worried about fraudulent activity as I gave away personal information. I made an account with Experian to freeze my credit reporting and I am unable to log in. I have reset my password so many times ( more than 10 ), but when I enter my new password, I am unable to login. 

I just want to make sure that my credit is actually frozen and that they have the right email because I have not received the confirmation email I was told I would receive. 

I am afraid that they have a fraudulent email and they can undo my freeze with the pin they received. 

I tried for a whole hour to get in touch with a human and I am unable to speak with anybody. 

My credit is at risk because no one will answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX Account No : XXXX According to the CARES Act, XXXX XXXX  has violated my rights by reporting payments in XXXX XXXX as late on my consumer credit reports. The law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. In XX/XX/2020 there was a Covid forbearance in place however XXXX XXXX  continued to report my payments as late which is a violation of the CARES act.
Product: Credit card or prepaid card

The original call on Citibank on XX/XX/2018 when XXXX did not show up to install the A/c unit. A credit card dispute was then opened with Citicard ( XXXX ). I provided Citibank with the following 4 documentations : 1. XXXX XXXX police report dated XX/XX/2018 XXXX # XXXX by Officer XXXX XXXX Badge # XXXX, 2. original XXXX XXXX XXXX invoice,3. repair invoice from second company ( they stated that a complete replacement was not needed. ) 4.Receipt of {$2000.00} charged by XXXX wife XXXX XXXX XXXX XXXX charged using mobile credit card terminal from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ca. 
The Citibank sent a letter on XX/XX/2018 saying that they could not honor the dispute. 


the following is My neighbor 's XXXX posting of the incident : XXXX XXXX of XXXX XXXX XXXX XXXX is a CROOK!! He was called to service my AC by the elderly landlords and XXXX came and said the unit 's compressor was bad. He convinced the landlord to put in a new unit and told him it would be {$2500.00}. XXXX told landlord {$2000.00} was to be paid on the spot and {$500.00} when job was completed. He wanted only cash!! He ended up charging landlord 's credit card using his ex-wife 's name and never came back nor did he answer landlords or my calls to find out what happened. Now the elderly couple are struggling to get their money back. He uses false license number too! Police report has been made. WARNING : STAY AWAY FROM THIS SCAM!! I selected one star to be able to post this warning! 

P.S. Other people have been scammed and made Ripp Off Reports online on yelp.
Product: Debt collection

I apologize to all involved for my delay in speaking I've had a mental illness that has worsend over time and ..well any chance I can request judicial review for a default judgment inwich needs to be hold immediately.appealThere has been a big misunderstanding involving penalty fund deduction from all or any accounts by mistake there are unfair fees associated fees on transactions without chance to resolve or dispute in any fair time, I don't have any legal council, I've not tried hiding or run making matters worse ..please allow accomodations request for all these legal problems. It's destroyed my character and getting way worse
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX has a credit inquiry on my credit profile that I did not authorize
Product: Credit card

I received a call from Macy 's credit card fraud department on XXXX/XXXX/XXXX inquiring if some charges to my Macy 's card account were authorized by me. I told them no and that I had not used the card since XXXX, XXXX. They sent me a fraud dispute form ( attached ) which I filled out and disputed XXXX charges totaling {$610.00} mailed it to them on XXXX/XXXX/XXXX. They canceled the old card number and issued a new card which I have not used. I later received a billing statement where they transferred some of the disputed charges to the new card number and added late fees and interest charges. I phoned Macy 's twice to complain and the representative indicated she could see where I submitted the dispute form, but indicated the fraud Department had 60 days to review the disputes and I should ignore the billing statement. She said she was unable to issue anything in writing confirming the dispute was filed. Now I have received another monthly billing statement dated XXXX/XXXX/XXXX where they have added more penalties and interest.
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 XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 


XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$43000.00}
Product: Checking or savings account

I am writing to file a complaint against NFCU regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue lines with the recent CFPB findings against NFCU for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Checking or savings account

I have a joint checking account with my XXXX XXXX XXXX son that he uses primarily to deposit his part time job paycheck, go out to lunch with his friends, etc. His account balance was low, and when he purchased a coffee he was charged an overdraft fee ( {$35.00} ) by the bank. I explained to him that he needed to keep track of his balance better so as to avoid such fees in the future. Although he kept track of his actual purchases, existing debits that were set up via XXXX, as well as attempts to pay and be paid by his friends through XXXX, resulted in multiple additional {$35.00} fees for both overdraft charges and, when the balance became less than XXXX, insufficient funds fees ( also {$35.00} ) - the latter even though the bank did not actually pay the amounts on his behalf. Ultimately, there were more than {$350.00} in bank fees charged for less than {$50.00} of claimed and attempted purchases. 

I called the bank to ask them to stop all activity on the account in order to stop the accumulation of additional fees. They advised that they couldn't do that - I needed to go to the branch in person to close the account. After taking off work for an afternoon to visit the branch, they advised me that I first needed to pay the accumulated fees before they would agree to close the account. In other words, they refused to close the account and prevent the assessment of additional fees, which continued to accumulate for several weeks after I tried to close the account. 

As of today, the bank has also prevented me from accessing two other unrelated accounts that I have, claiming that I must first pay the accumulated overdraft and insufficient funds fees on my son 's account before I can obtain access to money I have in the other accounts.
Product: Checking or savings account

Bank of america suspended my account but they took out the money owed them but won't give me my money. I want to close my account so they can return my XXXX dollars they have of mine my account number is XXXX its my savings account My name is XXXX XXXX
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  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

Earlier this month, I was pre-approved for a mortgage loan. As part of the application, the mortgage broker sent me a summary of my credit scores from the  XXXX  credit-reporting companies that included factors adversely affecting the scores.  One of those factors was too many credit inquiries during the previous year. The only inquiries that I remember authorizing are by my bank for a mortgage pre-approval in 2016 and the most recent one by the mortgage broker. I was concerned, so I requeste d my credit reports from the  XXXX  credit-reporting companies and learned that there have been multiple inquires by credit card companies and insurers, which I presume are used to market products to me. I never authorized these inquiries, and even thought I have a relatively high score, it seems unfair that inquiries by companies should adversely affect m y credit score.
Product: Checking or savings account

On the date of XX/XX/2019 i went to a restaurant called XXXX in XXXX CA in XXXX XXXX XXXX and and i signed and paid for the bill wich was {$100.00}. On the date of XX/XX/2019 i check my account to see if it has cleared my account and saw a transaction in the amont of XXXX wich i didnt not sign for i called chase to but in a Claim. Chase gave me a temporary credit back while they did the investigation, I went online today on XX/XX/2019 I went to check my account to do a payement and saw that the bank pulled XXXX and declined dispute do to prove that they got that I did and told me that it is not between XXXX and myself problem, so i called XXXX and told them the issue and ask to see the prove on that i had signed for XXXX and they didnt not have such a thing all they had was a receipt for the {$100.00} and they creidt me the money back with a letter saying sorry.
Product: Money transfer, virtual currency, or money service

I am filling 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 electric 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: Mortgage

Prior to XX/XX/2023, my mortgage was serviced by XXXXXXXX XXXX XXXX located in XXXX, XXXX My loan was sold to PHH in the normal clumsy manner with poor notification prior to transfer. 

Subsequent to the transfer, my insurance coverage that was renewed in XX/XX/2023 ( with yet another increased premium ) was deem inadequate. PHH provided me with a letter indicating that I had to get another insurance company that met their coverage standards. 

Problem, I have bundled coverage for my cars, and home that is affordable and adequate as I live in XXXX XXXX XXXX area XXXX feet above the XXXX XXXX in a well-maintained common areas with two fire stations within 5 miles. 

My chief complaint is that having an arbitrary assessment ( Non-AI ) will cost me much more money that my expenditure is now as I have been with this company for 30 years. Additionally, I am not responsible for the XXXX XXXX XXXX for insurance companies and Banks I deal with and to be jerked around is demeaning and condescending. I think such an assessment should have been made prior to my loan being transferred and with ample time ( XXXX yr ) to seek another carrier when the existing carrier has stated publicly that they are correcting the capital requirements noted by PHH. I sense that RESPA and Reg B is being trampled and notifications should have been made known prior to my loan sale and transfer. 

I an surely not the only person with this issue and sense XXXX  are being adversely targeted and senior and minorities as well. 

I can live with a remediation of the request in a 1 year cycle unless the existing carrier addresses their problem.

Note : My home has fire resistant siding and roof. My Neighborhood is well maintained and modern. Fire departments are nearby. 

My request is that more care should be performed prior to steering consumers to high cost carriers PHH prefers.
Product: Debt collection

They havent provided the dates that this debt was chrged off and the correct amounts of monies owed and how method of how they came to the determined amount as requested.
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 violates 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

I have been receiving several collection notices from companies that do not list an original creditor. I'm also receiving alerts from my subscription service through XXXX and XXXX that these " collections '' are only hitting the XXXX CBR. The best I can tell these debts are 2018 and they are large amounts I do not recognize nor has any one previously contacted me about them. These written notices should be required to provide all pertinent information from day one. According to XXXX reviews, some of these companies are listed as fraudulent. They do not populate anywhere else. I have tried to reset password on XXXX to dispute these items and it keeps telling me DOB and SSN are not a match. I've tried calling the toll free customer service line and it's limited options to who can speak to a live agent. Instead, I tried through XXXX to troubleshoot access, update information and initiate disputes but they sent me back to the call center on Friday. They have limited hours Mon- Fri XXXX XXXX which is a direct conflict with my work schedule. You also can not opt to speak with a live person! I certainly don't know the " trick '' or work around to get to a live agent. I can not miss work and continue to spin my wheels to get this resolved. These credit reporting agencies have too much power over our livelihoods! " Thanks for that information. Unfortunately, I am unable to locate an account with the information provided. Is it possible that we may have other details on file for you? Can you provide a screenshot of an email that we may have sent to you in the past? XXXX XXXX This is an example of the back and forth back and forth all day Friday!
Product: Debt collection

On XX/XX/2018 I sent RGS a letter, via certified mail, asking them to validate an alleged debt that was on my credit report. I dont recall ever having XXXX XXXX. In my request I asked them to provide the agreement with their client that authorized them to collect on alleged debt, an agreement that bears signature of the alleged debtor wherein he promises to pay the creditor, and complete payment history on this account so the amount owed could be verified as correct. RGS failed to supply me with any of the information I asked for and only sent me two statements.This is a negative remark on my credit report that I am reaping the consequences for and its not properly validated to prove that it is mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a letter from Experian XXXX XXXX XXXX Report # XXXX stating that Account # XXXXXXXX XXXX XXXX XXXX  was scheduled to remain on my report UNTIL XX/XX/XXXX, it's still shows on my report.
Product: Mortgage

Started to buy a house in XX/XX/2021 I was leasing home when owner offered it to me to buy it. Well I said yes I wanted to. Went to XXXX XXXX to get my loan. I got stuff turned in they kept saying I needed this or that. Well it took to long to get the loan so owner backed out. They allow him to and give him everything back. I had to move and so they ask me to look for another house I did found one and now Im going through the same thing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was suppose to close on XXXX of XXXX then again on XX/XX/XXXX again. I told them my loan hasnt even gone through yet I cant wait any longer to buy. So now they are asking me to pay fees for the house I lost because of them and then fees now just random gear say stuff. Some things yes I agree to. The 2nd house they did nothing Ive only done application part but of course they are trying to XXXX me over even more. I need some help with this these people have ruined my life and my buying experience for a home. Thanks I can get more info if needed .... Company is XXXX XXXX XXXX. XXXX ok & open mortgage XXXX, tx
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX  have not updated the payment history for my mortgage account with XXXX XXXX to 100 % payment history. This was being reported in error. XXXX  has made the update and TransUnion and XXXX  have refused to update the information to be correct. This is in direct violation of the law.
Product: Debt collection

Persolve Legal Group, LL is trying to collect XXXX when clearly all I owed was XXXX. They keep closing and reopening it on my credit report destroying my credit. I shouldn't have to pay all them lawyers fees that keep increasing! There is some messy business! Account number is not provided on credit report as well!