23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PNC LN XXXX XXXX XXXX XXXX , XXXX CA XXXX XXXX XXXX XXXX XXXX Payoff ordered XX/XX/XXXX. It was even escalated on XX/XX/XXXX. THREE WEEKS LATER WE STILL DONT HAVE IT!!!!!!!!!!!!!!!!!!!!! -- -- -- -- -- -- -- -- -- -- - At this point PNC is well outside Federal and State guidelines for providing a Payoff Demand, the consequences of which include Civil & Criminal Penalties. 

-- -- -I want the Payoff Demand delivered to us without further delay or pathetic excuses. THIS IS RIDICULOUS!!!!!
Product: Debt collection

Account # XXXX, XXXX, and XXXX Are in violation Not only have you ignored my prior requests for validation of the debt letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof that you can collect on a debt in my state -Proof of the date the account went into delinquency -Your Bond ( if required ) in the event I need to seek counsel -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so, therefore, that must mean you agree with me that this debt is false. You have violated my consumer rights under the Fair Debt Collection Practices Act These accounts are in violation of : 15 USC 1692c ( c ) Ceasing communication, FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing of medical information 15 USC 1681b ( 4 ) Limitation on redisclosure of medical information I am seeking monetary damages for each violation made On XX/XX/2022, I checked my state license requirements for collection agencies and it states that in order to collect from consumers in this state ( Wisconsin ), you must have a license and be bonded. I sent a letter to your company six weeks ago asking that you provide me with proof that you meet my state licensing requirements. As of today, you have not responded. Because of that, I checked your company name to find out whether you were bonded and whether you have a license to collect in my state, and your company name is not in the system. As of right now, your company is violating my states law, and penalties for violating the law are harsh. If your company does not delete the negative information that is appearing on my credit report due to your illegal reporting within 10 days of this letter, I will have no other choice but to seek legal advice and report your company to the Attorney Generals office, the XXXX XXXX XXXX  and the Consumer Financial Protection Bureau.
Product: Money transfer, virtual currency, or money service

I transfered XXXX Dollar from my bank account through western union to my brother in XXXX and they only asked me for the receiver First, second, third and last name and i gave them exactly everything as they requested.. and now he is now able to get the money from XXXX as they keep telling him that they need the fourth and fifth name also!!! 

Everything else is identical.. ID number .. tracking number.. everything and they refuse to give him the money .. and i am trying to call the company i lost a lot of money trying to call them Internationally and with no good answer .. just handing me from one agent to another.. and when i tried to cancel the transaction and get my money back they are telling me that they will cut it of ... please i am very frustrated form them .. help me with this issue
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$590.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$100.00} XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$910.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Reviewed most recent credit report from ( insert credit bureau name ) and I noticed inquires that did not belong to me. After reaching out to the creditors I was advised they did not have a record on file of me applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquiries in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per : 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Mortgage

Fay servicing has set our house for a non-judicial foreclosure sale to occur XX/XX/XXXX. Week before last we reached out to a realtor to list our home to sell ahead of that date. XX/XX/XXXX we had a contract for cash that would satisfy the statements we've been given thus far from Fay servicing. Since that date, we and the title officer who's looking to close the sale have been in contact with Fay servicing. To get a payoff statement that they can use at closing. Our title officer has yet to receive this document in spite of numerous phone calls and emails. In addition, while our home loan has been transferred several times during the life of the loan since XXXX of XXXX, we have never received an official notice of transfer to Fay Servicing and are not certain if Fay servicing has the authority to collect payments from us or from a sale, let alone the authority to even order a foreclosure sale. We are extra concerned since this servicer has yet to give us the payoff statement as requested by the title officer who we gave permission to speak to the servicer directly. 

And also concerned that some of the fees sent in the payoff information that was forwarded to me but not a true payoff statement according to the title officer contains a lot of miscellaneous fees that are not clearly explained.
Product: Checking or savings account

On XX/XX/year> Chase sent me email that they have closed my accounts, including my saving that has large amount of funds $ XXXX, that money is for my down payment as Im closing on my first home on XX/XX/year> and I have to have the down payment to close on the house, I told Chase I need my money they said the account closed and the fund is held till the back office finish the process and send me a check and its going to take XXXX days, I told them I cant I need the fund by Tuesday as Im going to the title company Wednesday morning to close on the house, and how come they never told me they were going to close the account so I can take my funds, they said they dont have to inform me, the person from the back office escalated the issue then Saturday morning on the XXXX of XXXX I called again and they said they but a note on the account to go to the branch and withdraw the funds, I went to the branch and they said they cant give it to me, I called the back office again and they said we cant force them as the branch manager refused to honor your situation, then chase back office told me they cant do nothing and they are sorry Im going to lose the house!!!, I explained to them its not just losing the house I have signed contract and I have to go with down payment, then they refused to continue the call.. I really need help. 

The Chase branch I went to XXXX XXXX XXXX XXXX IL
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding persistent inaccuracies in my credit report maintained by chexsystems. 

Specifically, the phone number listed on my credit report is outdated and incorrect, which has caused difficulty resolving identity verification issues with potential credit lenders The phone number currently listed on my credit report is XXXX ( incorrect phone number ). 

My correct, current phone number is XXXX ( correct phone number ) Under **15 U.S.C. 1681e ( b ) **, credit bureaus must follow " reasonable procedures to assure maximum possible accuracy '' of consumer report information. An outdated phone number violates this requirement, as it prevents lenders and other authorized parties from contacting me to verify or resolve credit-related matters.
Product: Debt collection

hi PRA COLLECTION/ XXXX/XXXX  ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Bank account or service

I am long time customer of rushcard and recently they updated and changed their technology and now im not able to access any of my money no deposits are showing up and im not able to contact anyone working for this company I think they are stealing everyones money and trying to get away with it
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 requirements under the Electronics 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: Payday loan, title loan, or personal loan

I requested and was approved for a loan with SoFi. The terms of the loan required that I also open a checking account and MUST have direct deposit into that account as well as make my monthly payments from that checking account. Sofi then decided to block the checking account and restrict access to the account. They refuse to speak to me and only have a voicemail to leave a message. I was told that if I dont make a payment from the checking account that I will now have to pay a higher interest rate but I can not pay from a restricted account. The representative told me I have to email sofi.org even though the website is sofi.com
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/XXXX i obtained a loan from XXXX XXXX XXXX. in XX/XX/XXXX i was informed online payday loans were illegal in the state of NJ. I called NJ dept of banking and insurance for assistance with this issue. they responded to XXXX XXXX on XX/XX/XXXX and forgave the loan ( see attatched ). Since they forgave the loan they have reported this as a negative on my credit report. the letter states they forgave the loan and closed the file. I want this negative item removed from my transunion report because the information is inaquate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report.As per my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX I demand an immediate investigation and removal of these inquiries. 

I have not applied for credit with these institutions, nor have I authorized these inquiries. Under XXXX XXXX. XXXX, you are required to investigate and correct inaccurate information on my credit report. I expect these unauthorized inquiries to be removed from my report immediately. 

Failure to comply with this request will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal remedies for damages caused by these inaccuracies. 

Please send me a written confirmation once these inquiries have been removed from my credit report. I expect a prompt resolution to this matter within the 30-day timeframe as mandated by the FCRA.
Product: Debt collection

On XX/XX/XXXX at XXXX XX/XX/XXXX I received an email from TrueAccord stating that I have an account with XX/XX/XXXX ( originally XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) and that they are trying to collect an old debt on their behalf. I do not owe this dept, I have none past due to any entity and they state my address as XXXX XXXX XXXX XXXX, XXXX FL ( I do not live at this address nor have I ever been to XXXX Florida ). They state I owe {$2100.00} from XX/XX/XXXX, including interest. I am assuming that this is a scam and DO NOT WANT TO RESPOND TO THEM FOR THAT REASON! When I attempted to research them, all of the articles about them are written BY THEM so of no good. There supposed contact info is : Email : XXXX Phone : ( XXXX ) XXXX XXXX M-F est Mail : XXXX XXXX  XXXX, XXXX, KS Please advise!
Product: Credit reporting

I have asked Equifax to fix these hard inquiries but they refuse. The company of XXXX XXXX sent them a letter and I have sent them a copy of the letter stating that this was an error and should only be once and not three times that they ran my credit.
Product: Debt collection

Portfolio Recovery Associates LLC filed a garnishment against my Bank XXXX XXXX account on XX/XX/XXXX for the entire balance of XXXX with false claims to collect on a closed case ref XXXX. This debt original filed XX/XX/XXXX in XXXX XXXX in XXXX, Florida had no sufficient evidence that this debt belonged to inquired member of XXXX XXXX  XXXX therefore case was closed on XX/XX/XXXX. I was never notified or contacted by Portfolio Recovery Associates LLC. It has been over XXXX and case XXXX still remains closed so my question to Portfolio Recovery how was they able to filed a claim for a Writ of XXXX to Bank of XXXX XXXX XXXX funds on a closed case. Again, I never received a Validation Notice about this debt or any documentation from Portfolio Recovery until after I contacted XXXX XXXX XXXXXXXX after funds was released on member account. In addition, XXXX XXXX XXXX XXXX to return my funds or allow me to file a claim against my account about this debt or closed my account due to this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am  in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number SS XXXX and DOB XXXX.
Product: Checking or savings account

My checking account with chase Bank XXXX XXXX XXXX XXXX We received a check from a court order case on a mechanics lien. On XX/XX/23 I deposited the check into my checking account for {$130000.00} I was informed on XX/XX/23 that my account was restricted due to fraud. I was told I had to provide a phone number of the issuer. I did provide a phone number but I was told it did not match what they had in their database. So I got another number which I gave to them on XX/XX/23 and they said it was not a connected phone number. I asked them to just call the number in their database and I was told they do not have one. Then I was told to provide the Bank representative and phone number. I went into the XXXX XXXX XXXX with the information. Chase Bank lifted the restriction on my account but said I had to wait until XX/XX/23 for the {$130000.00} funds. I also confirmed that Chase Bank received the funds from the bank and the check cleared on XX/XX/23. 

On XX/XX/23 I verifed the funds were in my checking account. On XX/XX/23, I went to transfer money from my business account into my checking account via payroll checks. I was told that the account was closed effective XX/XX/23. I asked where my money is that was in the account and the said that a check was being mailed to me and I should receive it within 10 business days. On XX/XX/23 I received a check for the funds that were in my account prior to the {$130000.00} deposit, I called the bank to find out where the {$130000.00} is and they confirmed they have the money but they will not release the funds to me until I can provide them with a phone which I have already confirmed does not exist. They said they will hold the funds indefinitely until I provide the phone number. Chase has my money but refuses to give it to me.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Mortgage

MY SERVICER, BAYVIEW LOAN SERVICING LLC, HAS BEEN PROCESSING A SHORT SALE TRANSACTION. I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. BAYVIEW 'S APPROVAL PROCESS ON THIS REQUEST IS EXTRAORDINARILY LONG. BAYVIEW INDICATED THAT THE TRANSACTION IS TAKING TOO LONG ( BECAUSE OF BAYVIEW 'S DELAYS ). BAYVIEW HAS SET A FORECLOSURE SALE FOR XXXX XXXX, 2015. I HAD MADE A REQUEST FOR POSTPONEMENT. A CALL WAS MADE YESTERDAY TO CHECK ON THE STATUS OF THE REQUEST FOR POSTPONEMENT. XXXX AT EXTENSION XXXX INDICATED THAT SHE DID NOT HAVE INFORMATION ON THE FORECLOSURE SALE AND NO ONE IS AVAILABLE TO PROVIDE THAT INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received notification from my credit monitoring agency ( XXXX XXXX ), there was an inquiry reporting to my TransUnion credit file XX/XX/2020. A fraud investigator from my credit monitoring agency assisted by calling XXXX XXXX to have the account and inquiry marked as fraud. 
The account was removed like committed but inquiry is still listed on my credit. 

After 120 days a dispute letter detailing that included a copy of my Social Security card, Copy of Driver license, and Copy of Utility Bill ( proof of Identity ) were mailed. 

On three separate occasions this has been mailed. 
Dates Mailed : XX/XX/2020 XX/XX/2020 XX/XX/2020 All three Letters have shown they were delivered to correct Address for Transunion. 
Unfortunately there is no way to communicate with XXXX at the moment. 
With the help of my credit monitoring agency, we have attempted to speak to someone calling numerous numbers and have not been successful. 

It has been 277 days and inquiry still remains on credit.