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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain  credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; ( Original Creditor : ) XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

For : XXXX, XXXX, Experian -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX  XXXX, GA XXXX < -- -- ADDRESSES NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX Balance {$16000.00} Actual Payment Amount - Date of Last Payment - Past Due Amount {$14000.00} Account Status CHARGE-OFF XXXX XXXX XXXX XXXX Balance {$760.00} Actual Payment Amount - Date of Last Payment - Past Due Amount {$760.00} Account Status < -- - ALL ACCOUNTS ARE NOT MINE. FCRA violation. Failure of 45 days to settle.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

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

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$730.00} ; 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: Debt collection

I had cellphone service with XXXX. They sent me something to help me receive a signal in my apartment because the service was so awful. After I cancelled service with them, I returned the item to a XXXX store as instructed, but they still charged me for it. The item has been disputed and removed from my credit report a couple of times, but they keep re-adding it. I do not want to have to continue to dispute the same item every three months for them to remove it. I need to know what I can do to resolve this indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts and credit inquiries are listed on my XXXX, Equifax and XXXX XXXX credit report, are all fraudulent and unauthorized : XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX DC, XXXX XXXX   XXXX XXXX Card, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, i never applied for credit or accounts with any of the creditors listed above.
Product: Credit card or prepaid card

In the month of XXXX I noticed that there was a whole bunch of un- authorized charges on my credit card which was apparently done in XXXX XXXX , I immediately contacted the number was on the back of my credit card and disputed those charges which were close to the amount of {$11000.00} and I asked the person from the credit card company who was taking the notes from me if I need to make a police report and she told me No! you don't need to police report everything 's going to be taken care of by us. At that point they shut down my credit card and sent me a New credit card number with all the fraudulent charges reversed. About three weeks later the fraudulent charges were put back on the credit card. I contacted them back again with the number on the back of my credit card and I asked them what happened and they told me that the charges were placed back on my credit card, and I asked them why? And I was transferred to a supervisor by the name of XXXX XXXX and he told me that the person who originally took my report originally were new and they did not know to instruct me to do a police report when I called the first time. Then he said they can't reopen the case again until I file a police report, so What I did the following day was make a police report and I faxed them a copy of it which is in my fax machine and says it was received by the by the bank and also send them certified mail which showed up it was received by the bank and nothing was done on their part at all.
Product: Debt collection

XX/XX/year> received and email from Midwest fidelity services LLC with a verification of debt with incorrect information in address incorrect phone number and no proof of a inked signed contract with this company. I request validation of debt from this company requesting a inked signed contract as this is not my debt. They have failed to provide accurate information and the inked signed contract. Or have correct information.
Product: Credit card or prepaid card

I have a credit balance on my card of over {$9000.00}. I requested the funds be returned to me over a week ago. I was told 3-5 business days. After that time passed, I called and was told it could be up to 2 weeks. No one will tell me what the hold up is and when I will be getting my money. I have never been late with a payment and pay my account in full every month.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/XXXX. Since then the account has repeatedly been updated as charged off on numerous months. The account also has inconsistencys in payment history across all 3 credit bureaus. 
Equifax 30 days late XX/XX/XXXX XXXX 90 days late XX/XX/XXXX XX/XX/XXXX At the same time reported charge-off on the same months. 
A charge off should not include active payment history. 
This inaccurate information falsely manipulates the statute of limitations. I have opened an investigation directly with the credit bureaus with no change or resolution. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED CAPITAL ONE REPORTING INACCURATE LATE PAYMENTS/ PAYMENT HISTORY TO MY PROFILEXXXX, XX/XX/year>, XX/XX/year>. I HAVE NEVER BEEN LATE. 
I CONTACTED CAPITAL ONE AND THE CREDIT REPORTING AGENCIES REQUESTING VALID PROOF INCLUDING TRANSACTIONS OF ME BEING LATE. CAPITAL ONE AND THE CREDIT REPORTING AGENCIES FAILED TO FURNISH ANY VALID PROOF OF ME BEING LATE. 

INACCURATE LATE PAYMENTS BEING FURNISHED DUE TO COMPUTATION AND NOT BEING CORRECTED IS IN VIOLATION OF 15 USC 1666B ACCORDING TO 15 USC 1681 ( 2 ) AI EXCLUSIONS- A CONSUMERS EXPERIENCES AND TRANSACTIONS CAN NOT BE FURNISHED TO THE CONSUMERS PROFILE. 

IM AWARE OF CAPITAL ONE FURNISHING INNACURATE INFORMATION TO CONSUMER 'S PROFILE THAT HAS RESULTED IN LEGAL ACTION. AFTER RESEARCH I HAVE BEEN AFFECTED BY THIS COMPANY 'S BAD PRACTICES.
Product: Credit card or prepaid card

When I received a statement in the mail from First National Bank of Omaha, I believed I made payment in full. I made a full payment of {$1400.00} before the due date in XX/XX/2018. According to the terms, if I make full payment there should be no accruing interest in the next months billing period because there is no balance forward to charge additional interest. 
On XX/XX/2018, I called them and spoke with XXXX. He told me that Frist National Bank of Omaha may charge the interest because of how it reads on the back of my statement. I disagreed and asked to speak with his supervisor. Supervisor, XXXX got on the phone and supported XXXX statement. There is a section of HOW TO AVOID PAYING INTEREST ON PURCHASES. I meet this criteria. However, XXXX and XXXX only cared to listen to how they may charge me and not that I paid the balance in full and I met this criteria. Can credit card companies and/or financial institutions charge future interest on a XXXX  balance or a balance in the past when you have made full payment before the due date?
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding my consumer credit report. It has come to my attention that my personal information was exposed in a recent national data breach. Upon reviewing my credit report, I discovered several accounts that I do not recognize or recall authorizing. I understand that Congress states that consumer reporting agencies have a grave duty to report complete and accurate information in regard to a consumer report.

To ensure the accuracy and legitimacy of the reported information, I have previously requested validation of the debts associated with these accounts from the credit reporting agencies ( CRAs ). However, to date, I have not received the required documentation or verification substantiating these accounts.

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], specifically : Section 609 ( Disclosure of Information to Consumers ) : I am entitled to all documentation related to the disputed accounts, including the original creditor 's name and verification details.

Section 611 ( Procedure in Case of Disputed Accuracy ) : The CRAs are required to reinvestigate disputed information and remove or correct any unverifiable or inaccurate data within 30 days of my dispute.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692g ( b ) ], I have the right to request debt validation, including evidence that these debts are legitimate and that the reporting entities have the authority to collect or report them. The lack of sufficient validation violates this statute.

As my information has been compromised, I have taken the following steps to protect my identity and resolve this matter : 1. Filed a complaint with the Federal Trade Commission ( FTC ), reference number XXXX. 
XXXX. Attached is a copy of the XXXX XXXX XXXX notification report for your review. 
XXXX. Submitted a certified debt validation request, including proof of delivery # XXXX. 
I urge you to comply with your obligations under the FCRA and FDCPA by : Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the immediate investigation and removal of any unverifiable, inaccurate, or unauthorized information from my consumer credit file.
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 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 requirement 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

Date XX/XX/XXXXRE: Providing debtor with false information and theft of debtors money.Freedom Mortgage CorporationXXXX XXXX XXXXXXXX, IN XXXXAccount Number Dear Sir or Ma'am:On XX/XX/XXXX, I sent you a letter disputing the debt and requested that you validate the amount owed in accord with the Fair Debt Collections Practices Act and the Rosenthal Fair Debt Collections Act.Your response letter dated XX/XX/XXXX (attached) failed to validate the debt. You claim I owe XXXX, yet your own records fail to prove that.  Reporting a false amount is a violation of  15 USC 1692e(807)(2)(A), The false representation of, the character, amount or legal status of any debt.For a detailed report go to XXXXOn XX/XX/XXXX, you received another money order from me in the amount of $XXXX, yet you listed it in my account as $XXXX dollars. Another clear and unmistakable violation of 15 USC 1692e et seq. You are stealing my money.For a detailed report go to XXXXI herein continue my dispute of the reported amount I allegedly owe and request you properly validate the debt by furnishing me with all relevant and required documentation. Based on your owe records I owe $XXXX less any minor fees, which will be mailed out to you by priority mail. All monies received from me by Freedom Mortgage has been in the form of certified funds;Specifically; United States Postal Money OrdersBased on your own records (attached), you are attempting to collect additional monies that are not authorized by the agreement that created the debt.Specifically; $XXXXPer your own records;1. XX/XX/XXXX, was paid in full on XX/XX/XXXX.2. On XX/XX/XXXX, you show a disbursement of $XXXX and XXXX respectively, That was the $XXXX you received from the creditor, XXXX XXXX wherein I had mistakenly sent it to them. The $XXXX listed on the account was also forwarded by XXXX XXXX to you. I have emails from XXXX XXXX confirming this.On XX/XX/XXXX you received a payment from me in the amount of $XXXX and another payment from me in the amount of $XXXX on XX/XX/XXXX, despite your attempt to show it as only $XXXX dollars.$XXXX+$XXXX+$XXXX+$XXXX = $XXXXAs my XX/XX/XXXX payment was for $XXXX the XX/XX/XXXX payment was paid leaving a balance of $XXXX to be applied toward XX/XX/XXXX payment.That leaves $XXXX owed for XX/XX/XXXX. Which means, to clear out XX/XX/XXXX and XX/XX/XXXX payments, I need to send you $XXXX less any minor fees.The above referenced amount due (XXXX) less any minor fees was mail to you via priority mail on Friday XX/XX/XXXX. You should get it by Monday XX/XX/XXXX, so no penalty can be attached to XXXX payment.
Product: Credit reporting or other personal consumer reports

XXXX has been sending email messages in relation to a XXXX XXXX Rewards program since XX/XX/XXXX. None have been clicked on or interacted with, these were only forwarded to XXXX, eventually resulting in an automated message with instructions to contact the bank. The XXXX branch visited on XX/XX/XXXX is the XXXX located in XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX. The XXXX that day did not see any accounts under my name or social security ; She said it might have been a phishing email and not to reply to it ( which I never did ). I kept getting emails related to a credit card account that was on its way. 

The unsolicited XXXX XXXX XXXX Credit Card from the emails arrived physically via mail on XX/XX/XXXX. I went to the same XXXX branch again, with the card in hand. The door clerk was referring me to XXXX XXXX as the steward and emitter of the credit card. After several questions to the clerks, the XXXX, who was able to look into her computer and confirmed the account existed with XXXX, and that it was already flagged as fraud. The XXXX put me on the phone with someone from the XXXX credit card services who informed me that the account would be closed, and that all information needed to confirm the closure would arrive via mail. 

A confirmation of the accounts closure arrived in the mail, but only the typical one a common customer would get. There was no information from their fraud department or procedures for someone without proper access, like me. On the XXXX they included this account on my credit report as closed, which resulted in getting credit score deprecated XXXX points. Since this account was closed for being fraudulent, I believe the reduction of my credit score is unjust. 

To this day it says there was a promotional inquiry made to my credit by XXXX on XX/XX/XXXX, and I still cant believe they were able to open an unsolicited credit card with just that. An Identity theft report was made with the Federal Trade Commission on XX/XX/XXXX. I was never given any information or help from their XXXX XXXX, and I even received another letter informing me that a duplicate application was submitted to them. I would like this XXXX  account to remain closed, deleted, be taken off my credit report and for my score to be renewed as it was before their inquiry ; I was never a willing customer of theirs.
Product: Money transfer, virtual currency, or money service

This is a request to be added to case XXXX I was canceled by Gemini without any explanation and I was given 5 days before Gemini close down my account. Gemini would not let me transfer my XXXX tokens to my XXXX account. I was forced via email to sell the XXXX tokens into cash before I can my money out so I did. But now Gemini also blocked me from transferring my cash to my XXXX via wire. I have sent them my XXXX wire information multiple times and requested to be allowed to move my money I am getting no response and I am an XXXX person that just dont know how to fight them. 
I have open cases with Gemini but no responses. Please please help me
Product: Mortgage

SLS responded without answering the question and continues to deflect by asking for information that is already provided. It is a business ploy hoping the consumer will give up. I have all the time in the world to make sure a company does not misrepresent my account. Here is the last line of the latest SLS response : If your records differ, please forward payment documentation, such as complete, unedited bank statements reflecting any disputed payment, for additional research. 

The attachments were provided in a letter to the company on XX/XX/2019 and attached to complaints. The company is using circular logic where they answer without responding to the question, hoping the Consumer will give up. I have all the time in the world when it comes to a company trying to misrepresent my account. 

For the 3rd time, the attachments show no payment due. SLS is avoiding the issue by not reading the receipts already attached in complaint # XXXX and in a letter to the company dated XX/XX/2019. Let 's see if they acknowledge the receipts attached and admit there was no payment due for those months as stated in the receipts. I continue to honor my responsibility by paying each month, but SLS does not honor its ' accounting. If SLS notes there is not payment due ( see receipts attached with this complaint, in complaint # XXXX, and in a letter to the company dated XX/XX/2019 ), then there is no payment due for that month. 

This is not the 1st time SLS has tried this tactic and then had to admit their error. See complaint # XXXX. Are they cheating Consumers? Does it matter that this company continues this practice? Your organization needs to escalate this to the appropriate Regulator. 

Just because the company responded does not mean the complaint is closed. I need cfpb to actually protect consumers. Forward this complaint to the appropriate regulatory body for mortgage lending.
Product: Mortgage

I contacted NewRez, LLC, about obtaining a temporary deferment of my mortgage payments. I was told by the gentleman I talked to that my FHA loan with their company did not qualify. According to the FCPB website, it does- " You are entitled to mortgage forbearance if you have a federally or GSE-backed mortgage and you are experiencing financial hardship due, directly or indirectly, to the coronavirus national emergency. '' They have no knowledge of what I am experiencing because they didn't ask any questions to see if I do qualify under the FCPB guidelines. It is one thing to deny me based on my circumstances and another to just ignore the request. I mentioned that my loan does in fact qualify but that fell on death ears. I also mentioned that according to your website repayment of the deferred amount can be done in 3 ways. One of which the total amount can be added to the end of the loan. The gentleman I talked to said he could not answer that until I was in a forbearance situation. He indicated that most likely, the amount due would be due and payable once the deferment period is over. If a person is struggling now, how do they expect repayment after the deferment period? In my opinion, NewRez is only concerned about their interests and they want their money immediately. This does not help is this situation. If this is the way they conduct business, heaven help those who participated in their program because they stand a chance of loosing their home for non payment or at least have their credit ruined forcing them to stay with NewRez. 
( At the bottom of the mortgage statement it indicates that temporary assistance may be available. )
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that my file was properly investigated but how is this possible when my personal name and address is not correct. I have already attempted to correct the following issue with credit bureau. 

Incorrect names : XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX ; Incorrect address : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX Virginia XXXX ; XXXX XXXX XXXX XXXX, XXXX, Virginia, XXXX XXXX XXXX XXXX XXXX, Texas XXXX ; XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, Texas XXXX This is grounds for removal they also violated my rights under 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 : States a consumer reporting agency agency can not furnish an account without my written instructions. 

Also the credit bureau took more than 30 days to complete my investigation.
Product: Checking or savings account

I contacted Wells Fargo to learn how to close my account in XXXX of 2017 as we had recently moved to Ohio and there are no Wells Fargo branches nearby. I was told at that time that all I had to do was transfer the full balance in my account out of the account and the account would be closed. I did so on XXXX/2017, first moving all monies from my savings account into my checking account and then transferring electronically all funds in my checking account to a different bank account. On XXXX/2017 I logged back on to the wellsfargo.com website to retrieve my final bank account and was shocked to see an account balance of {$0.00}. The {$0.00} was the result of an interest payment made on XXXX/2017, long after I had thought the account closed. The minimum transfer amount is {$10.00}. I contacted Wells Fargo and was told that if I did not withdraw the balance ( {$0.00} ) I would be charged a monthly service fee. I find this situation outrageous insofar as I complied with the process outlined by Wells Fargo to shut down my account, yet the account remains open and I may be subject to monthly service fees as a result. Had I not logged on I might never have even been aware of the issue until after fees had accrued.
Product: Debt collection

They are attemoting to collect a very old debt which is past their statue of limitation nd have threaten lawsuit one me. I have ask them to send me their verification of debt in XXXX of XXXX with their ownership of the debt. Which they only emailed the the verification on XX/XX/XXXX. The information was completely wrong and I do not owe that. The date says XX/XX/XXXX.