23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to XXXX XXXX XXXX which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Mortgage

X/XX/XX  - Submitted a request to Myloancare.com to remove my PMI as soon as the payment I just mailed arrived. The check would put me over the 20 % equity in the house, I have consistently paid on time, since I 've purchased the house. And it 's been longer than 5 years since I owned the house, as a principal single household residence.     On  X/X/XX   XXXX  XXXX  XXXX  responded with, " Our records indicate that your loan was originated on  XX/XX/XXXX . In order for your mortgage insurance to be removed you will have to pay ( MIP ) for at least 5 years and the LTV will have to reach 78 % on a 30 year FHA funded loan per the FHA guidelines. FHA does not allow appraisals or additional principal payments to remove MIP early on 30 year FHA loans. At this time, your loan has not met these requirements '' On  XXXX , I responded w/ the Homeowner 's Protection Act and how I have met all the qualifications needed to cancel the PMI. I sent them the link and specific quotations to verify my request. Their auto response suggest giving the m 5  business days ... .. X/XX  and  XXXX  I have followed up replying to the e-mail chain, requesting that the PMI be cancelled and submitting the backup and ticket number provided with the original request. Today,  X/XX/XX , is the end of the 6th business day since my last request and in my last message, I had let them know that my next step is contacting the  Consumer Protection Agency of the issue.
Product: Money transfer, virtual currency, or money service

Loggin in into Venmo hasn't worked for more than a week for me. It has affected my ability to withdraw funds to pay for my expenses including mortgage, Credit Cards, etc. The issue is still not fixed and I am late on my payments and being hit with late fees.
Product: Money transfer, virtual currency, or money service

I try to link my XXXX XXXX  account with XXXX XXXX and the earnin app and it will not let me link my XXXX debit card or bank account to any money service.
Product: Debt collection

There are in fact two or more companies whose MO is exactly same. Initially they used to call and leave message saying a case is being filed in court and need to verify address & asking to call particular number and refer File number. They even had some of my family and friend 's phone numbers and called them as well. Debts are six to seven year old and they are still threatening to file law suit as per their letters. Both letters from different states are identical in nature. Looks like they are using phantom names and mail box as street address. Debt collecteors are required to inform debtor on certain form that this is debt collection but it is not their style. They simply threaten to file lawsuit and report to credit bureau. Their letters show case filed. Have received two identical letters. One from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX and second from XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX. Both have similar content and both seem to be operating from po box . Debt are two old to file lawsuit. Debts have passed two year debt collection limit through lawsuit.
Product: Bank account or service

Paypal is actively allowing sellers to take advantage of the friends and family option to scam buyers. I was prompted to buy an item using the friends and family feature from a seller I met through facebook. After not receiving any item of monetary value from the seller, I started to question if I had been scammed. At this point in time, about a week later, others started to come forward and express that they too had been scammed by the buyer. After contacting ebay about this situation, submitting proof of all the wrongdoing by the seller, and submitting an ACH claim through my bank, I was simply told that paypal was unable to do anything. The sellers account has already been flagged for multiple reversals and refunds, my account of 10 years has no history of black marks on it. I have submitted proof of this seller being a scammer, and have been told by other buyers that they were able to get their money back from paypal after this issue had occured to them. I am now stuck without being able to get paypal to do anything about this fraudulent seller being able to use paypal without repercussion. The seller has violated terms and services by prompting the buyer to sell as friends and family. I was duped into using this service and have now been scammed in the amount of {$160.00}. Paypal is taking no steps to get this money back from the scammer and back into my account.
Product: Credit card

Spoke with someone regarding the low interest program for XXXX relief because I had noticed an increase in my interest. They explained the program had ended. I was NEVER notified of this and have since then been trying to keep up with high interest rates.
Product: Consumer Loan

This is a Title Loan for my vehicle that I have a title for. I have the receipts of payments and the amount financed is not moving downward. I have never been late and paying more than the minimum amount due. I believe this title loan is a big rip-off. I just need another opinion.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, after several weeks of trying, I am still unable to get on the Equifax website to check the freeze status of my credit. My wife has attempted to do the same, but she is getting the same issue. The issue occurs when we put in our username and password we are then prompred for a one time pin. We receive the pin and enter it into the website. We both get an error page stating, " We are temporarily unable to complete this request. Please try again later. '' We have struggled with this and I have called the customer service line at XXXX ( XXXX ) with no resolution.
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 tak timely and effective measures to prevent a 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

Experian credit agencies have multiple misleading and inaccurate addresses on my credit report there fore violates FCRA.
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. 

Account Name : XXXX : Account Number : XXXX : Balance : {$430.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 ) ( 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: Student loan

I am paying my student loan on a biweekly basis. I would like my account to reflex that the account is not charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX.Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have unknown or fraudulent addresses, appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX , PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. This 2nd tempt to remove the items and requesting a freeze.
Product: Credit card or prepaid card

I applied for the Bank of America XXXX  XXXX XXXX credit card on XX/XX/2023. This was an in-flight promotion on an XXXX  XXXX XXXX XXXX The promotion stated on promotional offer we received in flight from a flight attendant stated XXXX miles were to be credited for {$2000.00} spent within 90 days. The promotional card had a XXXX code which I clicked thru in order to sign up for the credit card and receive this promotional offer. 

I spent the required {$2000.00} between XXXX and XXXX of 2023 and expected the miles to be credited thereafter. I called Alaska XXXX in XX/XX/2023 to ask why my miles hadn't been credited yet, they informed me that Bank of America manages the promotions and I would need to speak to them. I called Bank of America XXXX XXXX in XXXX 2023 and was informed that the promotion associated on my credit card account was for {$3000.00} minimum spend within 90 days. I went into a Bank of America XXXX XXXX  in XXXX on XX/XX/XXXX to inquire about why the promotion on my credit card account was different from the one I had signed up for. A ticket was supposed to be opened that day to escalate my issue. 

I called Bank of America again on XX/XX/XXXX to follow up on my escalation, only to be told that no ticket was ever opened. The agent opened another ticket on XX/XX/XXXX. On XX/XX/XXXX XXXX received a letter in the mail from BoA saying they were unable to credit the miles onto my account because the promotion required {$3000.00} minimum spend - even though this was NOT the original promotion I signed up for. 

I requested that the annual fee of {$99.00} be credited back to my account since BoA had changed the credit card promotion in the system and it was now different from the original promotion I signed up for. They refused to credit back the annual fee. 

I have since closed this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

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} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ditech is the servicer of my loan. I have been trying to obtain information on when PMI will drop off my loan. I sent an email on XX/XX/19. I never received a response. I called the company on XX/XX/XXXX after not receiving a response. I spoke to a representative who essentially told me that I didnt get a response to my inquiry because my loan was transferring. They are still my loan servicer at this point. They should still be answering my questions. I asked the representative my question about my PMI. She then proceeded to tell me that I am at 103 % of my loan. I asked for calculations on how she was coming to that figure and she couldnt tell me. The loan was taken out for approximately $ XXXX and I have a balance of approximately $ XXXX. I am not understanding how she came up with her percentage. She couldnt transfer me to a supervisor or manager. She then told me she would let me go and I would get an email from their company with a response that day. It is now Friday, XX/XX/XXXX and I still have not heard a word from this company. I think they are trying to rip me off and charge PMI longer than they need to.
Product: Payday loan, title loan, or personal loan

I applied for a payday loan with Oportunum a month ago or so.My loan was for $ XXXX.My payment biweekly is {$36.00}. I got behind on my payments.I have been harrass by numerous of phone calls per day.They need to stop. I know I owed {$300.00} but this is insane.Please help with this issue.Thanks
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. 

Account Name : 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 Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) 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 ) ( 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: Debt collection

The credit collection for my XXXX XXXXXXXX credit card account was bought by Schreiber Law LLC- XXXX XXXX Attorney at Law who violated Federal and State Statutes trying to collect a debt by the following : They had me served a false small claims district court complaint veiled as legal legitimate court paperwork without a docket number by a XXXX XXXX XXXX XXXX XXXX XXXX when No such documents were actually filed at XXXX XXXX district court both actions are considered against the law under the unfair debt collection acts in the Maine Revised Statutes Annotated & United States Federal Code via false representation of legal action and the intimidating use of a legal court officer sheriffs deputy by being served papers to intimidate me that werent actually filed with the court and do not have a docket number listed on the forms. The deputy XXXX XXXX who served me papers first left his card on my door Friday XX/XX/2021 noting he was here to serve me civil paperwork as the reason for his visit. I then texted with him 4 times he wouldnt disclose any information over the phone which had me wondering and worrying until i got served by him on monday XX/XX/2021. I have all the false court documents and discovery paperwork with my personal information relating to the account, deputy XXXX XXXX business card with handwritten date and his phone number with text messages as proof of these deceptive and false representation debt collection practice acts and violations of the XXXX and XXXX [ ch 109-A Title 32 Chapter 109A Subchapter 2 section 3 subsection I ] stating the violation of unfair practices by using or employing any officer authorized to serve legal papers in the collection of a claim I also printed out the statutes and highlighted each section that could apply to my unfair and deceptive collection acts violation claim against Schreiber Law LLC located in XXXX, Maine.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Checking or savings account

I did have a fraud on my account on XX/XX/XXXX. I contact the bank to info they asked me to open a new account to transfer the funds between the investigation. They explain to me the credits received in that account will be transfer to the new account during the investigation, they lie. I received over {$2000.00} on XX/XX/XXXX and XX/XX/XXXX, I have that credit frozen on my old account with a hold over {>= $1,000,000} between my saving and checking account. Bank of America just closed the claim with out asking me any proof of the fraud I did have on my cell phone.
Product: Debt collection

I reached out to Avante USA requesting proof of ownership of the debt and offer to fully pay if they could proof I was the real owner of debt and would agree to remove if paid. They did not provide proof I was the owner. They said the account would be removed if paid in full. I paid to have it removed. They have not removed the debt. It is still effecting my credit score and preventing me from get a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau Disputes XXXX This is the letter I tried to send to ALL THREE CREDIT BUREAUS XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX ( 8 days ago ) to me For the pasXXXX two years the three Credit Bureaus, such as, XXXX XXXX, Equifax, XXXX I believe have targeted my credit report unfairly due to me being " XXXX ''. 

I have received reports where they have taken up to sixty plus points from my report with no cause. where as, when I pay off a creditor, they the three bureaus will add maybe four point ; if that., This is not the first time I have written complaining about the injustice. I have talked with others minority ( s ) and they're saying the same thing is happening to them as will .... I have battled with being compromised from XXXX, had police reports and all and the credit bureaus ignored the facts. Now I am needing to battle with injustice. Again, each time points are taken from my reports, the returns are less then what has been taken. Please have someone look into this matter. It appears I am being targeted. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent accounts listed on my credit report. I have listed them and also the police report XXXX XXXX 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the fair credit reporting act ( fcra ) to conduct a reasonable re-investigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. the consumer financial protection bureau ( cfpb ) has recently filed a lawsuit against experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify customers of dispute outcomes. these failures aligned with my experience where experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective actions to remove or amend the disputed accounts, as experians inaction violates federal law and my rights as a consumer.