23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We paid for homeowners insurance for my mom n laws home At XXXX XXXX XXXX, as I was notified that she did not have insurance on the property by XXXX XXXX. Our Insurance agent handling the insurance for the property faxed over the evidence of the insurance declaration, in which XXXX XXXX received and confirmed, yet they force placed insurance on her property, in which we were double billed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX 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

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC 54XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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: Debt collection

FIDELITY PROPERTIES Account # XXXX I have XXXX unverified accounts from FIDELITY PROPERTIES. I had previously disputed this account. I have never done business withFIDELITY PROPERTIES Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt FIDELITY PROPERTIES and I believe it is a XXXX violation. I request thatFIDELITY PROPERTIES Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FIDELITY PROPERTIES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Numbers # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXX XXXX AR XXXX XXXX Account number XXXX XXXX of XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXXXX XXXX XXXX XXXX Account number XXXXXX XXXX XXXX XXXX  Account number XXXXX XXXX XXXX XXXX Account number XXXXX 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 an account without my written instructions.
Product: Debt collection

I asked them to provide me the contract with my signature and no response. I have no obligation to pay them. They are in violation of several laws including 15 usc 1692a, b, c, and e of the United States Codes. I demand cease and desist from any and all debt XXXX.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. 


Sincerely, [ XXXX XXXX XXXX
Product: Credit card or prepaid card

bank : American Express issue : deceptive practices by the bank on XXXX XXXX i contacted American Express to ask if it's possible to defer payment for 90 days due to financial difficulties they agreed to not charge financial fees or charge/waive late payment fee for the bill due on XX/XX/XXXX. 

on XX/XX/XXXX the statement shows a credit for interest /financial fees but it also showed a late fee of {$29.00}. 

on XX/XX/XXXX i contacted the bank by phone to try to fix the issue, i had a very difficult time dealing with their customer support representatives, one told me i have to pay the late fees and made up some numbers. another told me the late fee waiver was applied after the bill was issued on XX/XX/XXXX even though i contacted the bank on XX/XX/XXXX a month before the bill was issues, and after hours of waiting and jumping from one rep to another i was told that as a courtesy we will waive the late fee!!, a courtesy?? they made it like i was a bothersome even though they promised they would waive the fees and that's well documented in the chat transcripts. 

i think that is very deceptive, have i not contacted them they would have kept the fee, raised my APR and reported account as late to the credit bureaus. I wonder how many customer trusted Amex and ended up ruining their credit history. 


i have accounts with different banks and let me share my experience with them - XXXX XXXX : 2 account, automated payment deferment for 90 days without even contacting anyone, all done online. no late fees or reporting of late fees. 

XXXX XXXX  XXXX same as XXXX XXXX XXXX 

XXXX : i have XXXX accounts with them. the process was seamless and done online, i got conformation letter send by mail. 

what i got from Amex, a warning letter about the late fee and that any new charges would be declined. 

i agreed for this complaint to be published publicly, my advice to whomever is reading this avoid this bank. they will stab you in the bank in tough times.
Product: Mortgage

Our mortgage company Select Portfolio Servicing is horrible at helping their clients save their homes. We have been fighting with them since XX/XX/XXXX to save our home. We have tried everything from modification requests, bankruptcy, repayment plans and we have been turned down on everyone request. XX/XX/XXXX we had {$20000.00} to put towards our arrearages and SPS denied us any kind of modification. We have talked to so many different agents and got different answers to the same questions. One agent would say yes you can and the next would say it 's too late after all the paperwork was done. They need to be retrained so the left hand knows what the right hand is doing. We are now working with an HUD counseling agent who gave us this website because she agrees that we have been given the run around and with our income and the money we HAD to put towards our arrearages that we should have been given a modification plan. We would like an investigation done on their practices because we are not the only ones that have been denied or are having the same problem.
Product: Credit reporting or other personal consumer reports

I have come across the CFPB lawsuit with XXXX XXXX XXXX, XXXX. I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute from TRANSUNION that the accounts were " verified ''. I insist you conduct a reinvestigation as you are required by the FCRA Law for the accounts listed below. 
I did request information from your company as well but was NOT provided any details in regard to the investigation. 

I will explicitly say do not accept the findings of the furnishers who do not provide thorough results of their investigation. Which I ask that you provide to me in exact detail via mail and not through your online portal. 
Please Delete the disputed information within the required timeline of 30 days as set forth per the FCRA which is federal law. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On  XX/XX/XXXX , I received mail from Financial Solution Providers LLC, stating that I owed a current balance of  XXXX  from  XXXX . I immideately called and spoke with  XXXX   XXXX  at  XXXX  EST, i advised her that this debt was settled in  XX/XX/XXXX    with  XXXX  and  XXXX   ,  I offered to give her their number so that they could work it out. She advised me that I would need to mail in documentation stating that it was settled. I have no problem doing such thing, but I want to make sure this does n't happen again. So I requested the contact information for original creditor so that I could settle this once and for all. She advised me that I would need to speak with one of her supervisors,  XXXX   XXXX  or  XXXX   XXXX , in order to obtain verification of debt. Well today on  XX/XX/XXXX , I received a phone call from both   XXXX   and  XXXX .  XXXX   XXXX  called and ultimately threatened to seize my tax refunds and to damage my credit, he also advised me that he would be emailing me the verification that I requested. Instead I receive a phone call from  XXXX   XXXX , as i was telling my young daughter  XXXX  to exit the room while I was on the phone,  XXXX   XXXX  screams at me and says my name is not  XXXX  and as I try and tell him who  XXXX  was, he threatens me with legal action, further suggesting that I obtain a good lawyer. I am being   XXXX   XXXX   with a debt that was closed 4 years ago, all i asked of them was to provide me with verification of debt and contact information of the original debt collector so that I would n't have to keep going through the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This the fourth attempt to correct these fraudulent accounts, fraudulent names, and incorrect addresses on my credit report.
Product: Money transfer, virtual currency, or money service

I meant to XXXX my mother {$300.00} to help her out on a bill, I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was in and I XXXX the wrong person. Once I noticed the mistake I immediately called my bank who told me there was nothing they can do I had to call XXXX. I called them and they told me there was nothing that could be done and im basically out {$300.00} and to take it up with my back. I called my bank back and spoke to a manger he told me that he was sorry this is happening and that unfortunately his hands are tired and my money was gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and a medical account was added I am allowed under the HIPPAlaw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX is to only be revealed with the patients ' authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
Product: Vehicle loan or lease

I have tried numerous times ( twice by mail, and twice by phone ) to set up automatic payments with this lender. They told me both times it would process, leading me to miss the payment date by two three days on two occasions. The company does not have any online system or account management system, and make the lender rely on guess work to whether or not the payment would be made. I have otherwise perfect credit and refuse and dispute this company 's attempts to ruin my credit, or charge my any fees.
Product: Credit reporting or other personal consumer reports

I spoke to experian multiple times telling them that XXXX XXXX  has been using my information without my authorization, which is identity theft. I have no account with XXXXXXXX XXXX  or card. I spoke to XXXX and they told me that their " machines '' made errors and they were correcting them, they continue to report false balances to Experian, and Experian has not acknowledged that I have called and reported what XXXX is doing as identity theft of which it is,.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax fails shows a unpaid account on crdit file for XXXX $ there is NO NAME NO ACCOUNT NUMBER date from XXXX! and then re-issue don XXXX/XXXX/XXXX I have asked for an investigation proving it belongs to me with no success the Equifax site will NOT allow me to dispute, the sire creashes when entering the information, I have called the EQ help line and put on hold for 20 minutes and then disconnected after being switched 3 times! 

I want proof its mine or I will have to consider this fraud and stolen identity unless its removed from credit file!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX 's XXXX XXXX XXXX  acct # XXXX, has violated my rights 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I have the right to privacy as well as they have the responsibility of reporting with fairness.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] section 604 A section 2 : Also states a consumer reporting agency can not furnish a account with out my written instruction 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX  XXXX, XXXX, TD RETAIL CARD SERVICE add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX 
On XXXX  XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1666B States that a ceditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose account # XXXX Auto loan with XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate and non-verifiable information on my credit report. Despite my formal disputes, Equifax has failed to provide verifiable proof of the reported information or remove it, which violates my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ]. 
Details of the Complaint : 1. Failure to Remove Non-Verifiable Information Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if Equifax can not verify disputed information within 30 days, it is legally required to delete the information from my report. 
I submitted several disputes regarding [ XXXX XXXX XXXX XXXX ], and Equifax has either failed to investigate properly or has continued to report unverifiable information.

2. Failure to Conduct a Proper Investigation 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires Equifax to conduct a reasonable reinvestigation of disputed credit information. 
Instead of providing proof of verification, Equifax has continued to report incorrect information, harming my credit.

3. Failure to Provide Adequate Documentation Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), Equifax must provide me with the name, address, and contact information of any data furnisher that allegedly verified the disputed information. 
Equifax has failed to provide this required documentation, meaning the disputed information is unverifiable and must be deleted. 

This ongoing issue is negatively impacting my financial standing, and I urge the CFPB to intervene to ensure compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my consumer credit report I have found inaccurate late payments on my account. Please validate all dates as Im sure its incorrect. I have paid this account. 

Account : XXXX XXXX XXXX  Account XXXX XXXX XXXX  ( XXXX  )
Product: Debt collection

My wife received a bill from American Adjustment Bureau , Inc dated XX/XX/2018 sating she owed money to XXXXXXXX XXXX. XXXX XXXX. The contact person is XXXX XXXX but the email goes to a XXXX. I can never reach anyone at the phone number, it always goes to voice mail and their letter says to email or text.On XX/XX/XXXX I sent an email and received a replay the next day stating I would receive a copy of the bill showing the amount owed.On XX/XX/XXXX I received a bill that clearly shows a {$0.00} balance and doesn't even show the amount that is supposedly owed. I sent another email after not being able to reach anyone by phone and got back an email 4 days later ( XX/XX/XXXX ) saying I received an itemized bill and we owe the balance shown on the collection agency 's bill. I sent another email requesting the correct information, including actual date of service, actual billed amount, insurance payments applied, etc. Silence, no reply or anything. On XX/XX/XXXX I sent another email requesting either the information I requested be provided or they stop all collections against my wife. I also contacted the Hospital in question and after multiple attempts I was able to determine that there is no outstanding debt owed to them and this bill is not valid. The woman ( XXXX I believe ) said she would contact the collection agency to try and resolve this for me. As of today ( XX/XX/XXXX ) The collection agency website still shoes a balance due and they have filled a collection on her credit report. This needs to be corrected and the company needs to respond to my attempts to correct this error.
Product: Debt collection

I received a letter from McCarthy, Burgess & Wolff ( A Collection Agency ) dated XX/XX/18 stating that I owe the amount of {$1600.00} to XXXX XXXX. Well, I have NEVER had an account with XXXX XXXX. 

I tried calling the phone number on the letter ( XXXX ext. XXXX ) to reach a XXXX XXXX, but that number was for a completely different company ( XXXX XXXX, I think ). It was NOT the phone number for the collection agency. Obviously, something is very fishy. 

I just sent a letter to McCarthy, Burgess & Wolff explaining that I never had an account with XXXX or XXXX XXXX. 

The account number they gave me : XXXX Reference # : XXXX