23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have been trying to reach XXXX XXXX XXXX to settle a dispute regarding end of lease dispostion fees. I paid entire lease terms on time for 3 years tco insure my credit would remain in good standing despire ongoing issues with leased car.. I now receive letter and phone calls stating they are going to put dispostion fee in collections.. The call i received on XX/XX/XXXX regarding this did not state the persons name whom to call back only a number that she rattled off so quickly i was unable to understand it. that number was XXXX-XXXX-XXXX? and extension XXXX? I have tried several times to call with no sucess.. I have tried many number. .. the letter states to log on to account for info. .. My account is no longer active a i fulfilled my .3 year term with XXXX XXXX..I a had to file a civil suit against dealership to settle matter of faulty tires after spending XXXX dollar on new tires for car with only XXXX miles on it as XXXX would not take any reponsibility.. I did not receive this bill until XXXX and lease car was returned XX/XX/XXXX in perfect condition.. way under alotted miles.. I have been trying to reach XXXX XXXX  since receiving this letter and am on hold with no resolve.. Any concerns in past were not addressed and now they are going to ruin my very good credit due to there not ever addressing issues.. I just want this behind me. The entire ordeal has been extremely stressful and has taken a great toll on my health..
Product: Debt collection

Consumer received a 'dunning ' letter from Signature Performance Tiburon LLC , XXXX XXXX XXXX, XXXX NE XXXX dated XXXX XXXX 2015. XXXX responded to the letter by sending back a dispute letter 'certified ' return receipt ( # : XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX, 2015. SIGNATURE PERFORMANCE TIBURON LLC, is denying consumer due process of 'written ' notification within the XXXX ( XXXX ) day timeline allotted consumer under the Fair Debt Collection Practices Act ( " FDCPA '' ) by not picking up the letter from the post office in a timely manner. Consumer has tracked the letter which is still waiting to be picked up from a XXXX Post Office. Consumer has added all 'written ' and tracking verification to this complaint to prove consumer 's position in this matter. By not accepting consumer 's dispute letter, consumer is being denied 'due process ' under federal and state law regarding debt collection practices and the FDCPA, FCRA and FTC XXXX Consumer is making this complaint to your agency as a form of administrative process that will verify consumer 's position in this matter should it be necessary for consumer to pursue a civil lawsuit. Consumer will have proof of consumer 's concern as reported to the Consumer Financial Protection Bureau ( CFPB ). Thank you for providing this venue as documentation. It is greatly appreciated.!
Product: Credit reporting, credit repair services, or other personal consumer reports

Service Finance COMPANY FILE A ILLIGLE XXXX ON MY PRAVITE PROPRTY WHILE WAS ASKING FOR VALIDATION AND AFTER I USED 15 USC 1635 RESCIND ING MY SIGNATURE WHICH IS ALSO MY PRIVITE PROPERTYOF ALLGEGED DEPT BREAKING 15 USC 1691, NEVER VALIDATED THE DEPT SENT ME A PRINT OUT FROM THEIR COMPANY AND NOT Leaguer BALANCE 15 U.S. CODE 1666d Treatment of credit balances, they disclosed my information to15 USC 1681 Section 602 States I have the right to Privacy.15 USC 1681 Section 604 A : It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX a third party without my consent 15 USC code 15 6802
Product: Debt collection

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE. I demand proof TO SEE Valid Authorization/proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with theses federal regulations by the FTC U.S. C41, et esq. 
I am maintain a careful record on my communication with your company.
Product: Credit reporting or other personal consumer reports

I complained about this matter. They sent a letter. I attached. 



This is the second time I have received this letter from XXXX XXXXXXXX XXXX. 
What I want to know is, XXXX. Why did Wells Fargo Bank issue a check with mine and my husband 's name and my home address on it and why did they send it to my address? I have had a mortgage on our previous house from Wells Fargo for over XXXX years. That is why they issued us the check. 
XXXX. Why did they say that the check was payable to XXXX XXXX XXXX for {$5000.00}? 
XXXX. And if the check was issued in my name, then it is mine and I should be able to use it where I want, so why is Wells Fargo ordering me to pay back {$5000.00} that I owe on my credit card XXXX? 
XXXX. I made a deposit of {$10000.00} ( XX/XX/XXXX ) to pay off my credit card debt ( XXXX ), {$5000.00} of which was used to pay off my credit card ( XXXX ) debt ( XX/XX/XXXX ), and the remaining {$5000.00} was taken out of my account as a payment to my credit card ( XXXX ) ( XX/XX/XXXX ). XXXX  XXXX XXXX took the card ( XXXX ) debt twice. I found it on XX/XX/XXXX, my XXXX account shows a bill payment for my credit card ( XXXX XXXX XXXX XXXX ), but my credit card ( XXXX ) account does not show the payment. And XXXX XXXX  XXXX keeps calling me to pay my credit card debt and they are charging me {$120.00} ( XX/XX/XXXX ) in interest. 

I would like to get answers to my questions XXXX, XXXX, XXXX, XXXX, and I would like the XXXX to answer these questions. I would like to ask the XXXX, not XXXX XXXX  XXXX. 

Thank you. 
XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

Attempted to contact agency in reference to error made on the account. Charges amount to XXXX dollars. Havent received any resolution notice or credit back to the account.
Product: Credit reporting or other personal consumer reports

I am formally request and I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand an immediate deletion and appropriate remedies as per the law. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. I have taken immediate steps to address this situation. I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. Please help me remove the following items : 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 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 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: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 11. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 13. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 14. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting or other personal consumer reports

I never checked my credit report. I checked it today when I received paperwork to be sued for an account I did not open. My information has been linked in more than two data breaches over the past few years also capital one XXXX XXXX XXXX  all keep charging off my account every month. There is a new charge off every month on the same account. Can you please review it? I am sending out letters today to every credit bureau. Between the fair credit act and law 1681 ( e ) b, how is this happening?
Product: Debt collection

Im constantly being called by various numbers in regards to account that I held with another company. I dont know this company thats contacting me.
Product: Mortgage

I have been trying for over a year to have my escrow over payment of {$11.00}, XXXX be returned to me. I have called the mortgage servicer ( Shellpoint ) every month and have gotten no where. Each time I call, it is as if they never heard of my problem before. I have documentation of each call. Each call takes at least XXXX minutes and ends with someone ( who call themselves a manager ) will look into it and call me back. No one ever does. I am at the end of my rope and feel that I am at the mercy of the bank who could care less. I am not rich and really need that money to take care of my children. The details-my loan was at the time of the incident through Shellpoint ( this was the third servicer since I got my mortgage ). They paid XXXX county for my property taxes in XX/XX/XXXX through a third party XXXX. The payment got bounced back to XXXX because there was no money due. ( My accountant had already paid the bill through my personal check ). Shortly thereafter, my mortgage was again being transferred to XXXX. Now is where I get different stories from each person. Shellpoint says the money got transferred in XX/XX/XXXX to the new servicer XXXX to account number xxxxxxx ( this is an old account when this loan was previously with XXXX before it got transferred to Shellpoint. That account is closed. My new current account with XXXX is xxxxxxx. I called XXXX ( also every month without help ). They can not find that account anymore and do not have any record of ever receiving any payments to any account of mine. XXXX says they can not help me. I need to know more details about where the money went. So I keep calling shellpoint asking for details about the payment. They say they have to email the request to the payment research department. No one can call them. So every month I ask them to submit a request to research the money. No follow up is ever completed. So now I am stuck. I do not know who to contact to help me.
Product: Credit card

I understand how frustrating and inconvenient this situation must be for you. Here 's a draft of a formal complaint email to Chase regarding your issue : -- - **Subject : Urgent : Resolution Required for Unjustified Account Hold** I have been a Chase credit card customer for over 10 years. Throughout this period, I have consistently paid my card on time, and funds have always been successfully deducted from my bank account without any issues. 

On XX/XX/XXXX, I decided to pay my credit card balance in full. This transaction was confirmed and processed by my bank on XX/XX/XXXX. On the same date, I attempted to use my card to purchase a plane ticket to visit my family for the holidays. However, I discovered that my account not only had a zero balance but also had zero available credit. 

Upon contacting customer service, I was informed that my account had been placed on hold due to an " unusual payment amount. '' While Chase has had no problem accepting smaller payments from me in the past, it is concerning that paying my balance in full has resulted in a hold on my funds until XX/XX/XXXX, with the only explanation being that my account was flagged for unusual activity. 

The funds have been transferred from my bank account, and their validity has been confirmed. This hold is causing significant disruption to my travel plans, and I find this situation completely unacceptable. 

I kindly request an urgent review and resolution of this matter, as I need access to my credit to proceed with my holiday travel plans. Please advise on any additional steps I need to take from my end to expedite this process. 

Thank you for your immediate attention to this urgent matter. I look forward to your prompt response.
Product: Money transfer, virtual currency, or money service

XXXX XXXX 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 procer 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 XXXX XXXX financial loss, and I seek appropriate redress for these violations
Product: Debt collection

I borrowed XXXX from XXXX XXXX in XXXX  I think. I was faithfully paying them. I received a letter from them saying I owe them XXXX. I will not be paying that PERIOD.
Product: Debt collection

Daily calls, often twice in a row. I have dates and times if needed. All calls coming from different numbers in different states, not stating who they are. Long calls that I often have to decline so they stop ringing after 2 minutes. Often after a missed call, they immediately call back. No voice-mail to state who they are or who they are reaching. Just constant calls multiple times a day every single day, even on weekends. I receive hundreds of calls from them. I have never recieved paper in the mail from them stating their intent.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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: Money transfer, virtual currency, or money service

Hello, I just sent my money ( {$15000.00} ) to XXXX XXXX XXXX to deposit in my coinbase account to trade digital currency ( X/X/2018 XXXX ) as far as i know the money i sent via XXXX  XXXX supposed to deposit into my coinbase account in 2-3 business days and the money is still not deposited in my coinbase account i guess the coinbase company could n't verify my identity so i would like to my money back but i could n't contact to coinbase company because they use automated answering machine. 
please investigate this case thank you this is the an account i sent bank name : XXXX XXXX XXXX bank address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Rounting : XXXX Account : XXXX recipient name : Coinbase, Inc recipient address : XXXX XXXX XXXX, # XXXX, XXXX XXXX CA XXXX Reffence : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified dispute to Equifax and it was received on XX/XX/2018. I called to do a follow up on XX/XX/18 and I was told that they didn't receive a dispute from me. I told them that I had a copy of the return receipt. I have reported them to the XXXX in XXXX GA. I have called Equifax several times to get this matter resolve, but they keep giving me the run around. I sent them a letter and told them I would sue them. Still they haven't responded.
Product: Credit reporting or other personal consumer reports

I'm disputing incorrect information on my Equifax credit report, particularly an inaccurate address. The address currently listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, but the correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. Under 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the highest possible accuracy in consumer reports. As this error violates that obligation, I request the incorrect address be removed and updated with my correct information. Once this correction is made, I would appreciate written confirmation and an updated copy of my credit report.
Product: Checking or savings account

I recently opened a business account with Chase bank. I deposited three checks made out to my business in the past week. Chase has now frozen all funds in my account, placed holds on my deposits, and is saying they are fraud and trying to close my account without releasing all my funds from the checks. I am now out {$30000.00} and my customers and business partners are also out money while waiting for us to have the money to do jobs. Chase is saying they are unable to verify the checks due to not having a verified number in their system for one of them, and calling two numbers for the other two checks that dont exist for the business that wrote the checks. We have tried asking Chase to call the numbers for both of these business that are listed on XXXX, their website, and we have confirmed numbers for, and they refuse to call those numbers to verify the checks saying Its not verified in their systems. Chase has told us we can not do anything else about this, we will not have access to our money and the account will remain frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  DOC ' MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL