23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Having a problem with Best Buy convenience checks issued to XXXX XXXX XXXX... I made XXXX check out to XXXX & XXXX bank to pay off credit card XXXX XXXX XXXX XXXX and it bounced from Citibank back to XXXX & XXXX bank because of insufficient funds and I was charged {$25.00} in the process. I contacted Best Buy ask them to take that off my acct. XXXX XXXX XXXX XXXX and close my acct. with them... prior to this I had a zero bal. with them the check in question was in the amount of {$2400.00}. I want this matter nullified and wish not to do business with Best Buy. Thank you for your help in this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Pa XXXX Cell : XXXX
Product: Debt collection

I was checking my credit and noticed a collection. The originator was a company called XXXX XXXX. I found out that someone had purchased a phone in my name ; however, nearly all of the personal information was incorrect. Moreover, when I tried to find out who the collection belonged to, I eventually came across Alliance Group and Associates, who had subsequently been given the account by a company called XXXX XXXX. XXXX does not have an account in my name, but it would appear that someone purchased a phone online. 

When I contacted Alliance, they demanded my personal information before they could give me my information. I declined, as they are already trying to collect a debt that isn't mine and I was never aware of. I requested information from them ; however, all that they sent me was an ambiguous letter with an amount due. It is worth noting, that before I contacted them, they did not even have any way of contacting me. They need to remove this from my credit.
Product: Credit reporting

I have dispute an item with Equifax. That item is XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Each time they send me the results, they say this item is verified. However, they do not attach any proof of the verification to my results or credit report. In addition, they do not attach how they actually verified this item and they are supposed to.
Product: Money transfer, virtual currency, or money service

Paypal closed my account and frozen my funds for no reason and will not help me with getting it back up and going. Im not sure if this is a mistake as i assume it has to be. They are accusing me of using them on XXXX to sell FIREarms, when actually i deal with XXXX guns and XXXX guns only. XXXX woundt even allow me to sell firearms, you need special licenses and documents for that. I have not been able to get help from PayPal for weeks but i remember i could file a report here as i feel they are not doing their job properly and its affecting me a great deal as i used paypal to get part of my income. My e-mail linked with to my PayPal address is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

just applied for first time home loan with my credit union and it pulled up accounts that were closed! I just checked XXXX, XXXX, XXXX and these two accounts are not on my credit reports. The companies are Kohls and XXXX XXXX XXXX. I can not give dates due to them not being on my 3 credit reports or amounts. I need them removed immediately. I don't understand why they showed up on my bank.
Product: Credit card or prepaid card

I had a Citi Prestige credit card last year. On XX/XX/XXXX, I was charged an annual fee. Immediately following that I called to transfer my Prestige card to a Rewards+ card. The annual fee should have been refunded to me at this time. But it was not. 
A few weeks after I got the Rewards+ card, I decided to close the account. 
It has been more than two months and the annual fee I paid on XX/XX/XXXX has not been refunded to me yet. 
I called their customer service line. The representative said the annual fee was refunded in XXXX of XXXX, but nothing is there.
Product: Debt collection

On XX/XX/2018 I received a debt collection letter on a XXXX account which is currently paid and in good standing. This claim says I owe nearly {$400.00} on a paid account which is {$20.00} +- per month. They even have the last for of the paid account number. 

Most of their ratings call them out as fraud so I'm wondering how they are still operating ... 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORTING AGENCIES VIOLATED " FCRA '' SECTION 607 AND 609 REPORTING INCORRECT DATA OF ACCOUNT STATUS ... .PUBLIC RECORDS NEVER HAD ANY BANKRUPTCY AND ALL OTHER ACCOUNTS " PAID IN FULL '' / NEVER LATE ... .ACCOUNTS HAS {$0.00} BALANCE : " XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX '' ... ... NOTE : XX/XX/XXXX FILE # XXXX
Product: Checking or savings account

I need help with my dispute reference number, XXXX, for XXXX XXXX {$800.00} card ending in XXXX on XXXX and posted date XXXX to be looked into for me because the dispute department keep telling me different stories saying they still looking. They claim they never receive the check from XXXX XXXX or I didnt receive it to because it was supposed be put back into the account after the account was closed out and provisional credit was given for {$800.00}. I never received the refund from XXXX XXXX so please help me Do I have to pay the {$800.00} back or not or did the bank got the money from XXXX XXXX by a check they keeping saying my account is {$0.00}. Update today I called XXXX asking about my dispute and they now told me on XX/XX/year> they was supposed to fully close it out now but not sure if that too not and send me a letter on the XX/XX/year> saying they completed the research and something like that etc and they also say I dont have to pay it back because Wells Fargo was supposed to refund them the money back on XX/XX/year> I want yall to call them and verify if that is true or not and send me proof of my balance being {$0.00} and upload it to cfbp portal and mail it to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and proof saying Wells Fargo credits it back to them or refund it back to them or pay it back to them and saying I dont have to pay nothing and my account wont be going to a debt collection agency and my account is {$0.00} and also contact How to contact us We appreciate the time and effort you took to contact us. If you have questions, you may reach me at XXXX, Monday through Friday from XXXX a.m. to XXXX p.m. XXXX XXXX. We accept telecommunications relay service calls. 
Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and ask him if I am going to get a check for {$800.00} still or not or if that is still true and when will I get it? Please add it to case cfbp XXXX and case cfbp XXXX and case cfbp XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 553 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some how around 2011 my mortgage was bought by SETERUS INC and during that time I had filed a Chapter XXXX and since then I have completed it almost a year ago! I have asked for payment statements and I have not received one to  this day and yet I still send in my payment. I have asked why there is no record of my payments being made on my credit records and I have not received an honest answer 4 different answers from 4 different people! I also dont understand where almost {$50000.00} has been attached to my loan.
Product: Vehicle loan or lease

I used Ally Financial for a vehicle loan. I sent in my payments every month by check after they locked me out of the user portal after missing one payment two years ago. Nobody would get back to me, nobody would unlock my portal, so i continued to pay it as i should yet they said because i was late on one payment, that the rest of my payments were a month behind. I paid every month on time except that one payment and then to try and make it better, i even paid off the vehicle several months early. All i got for my effort was them ignoring my attempt at contact and putting a 30 day late mark on my credit report every month for over a year. Now i do not qualify for a loan because of all the late pays even though Ally got theirs, i am stuck renting because of all the fraudulent late pays on my credit report.
Product: Debt collection

NCB Management services have claimed that I owe a debt to them, I have asked several times for them to provide documentation with My signature on it to prove that I owe said debt, they have not provided any documentation at all, I have requested multiple times for NCB Management Services to remove the collection from My credit reports, they have not, I have requested when the debt supposedly occurred and they have not provided that information either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 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: Mortgage

Re : Third Federal Savings & Loan Association of Cleveland ( " Third Federal '' ) Address : XXXX XXXX XXXX XXXX, OH XXXX Re : XXXX County, Florida Mortgage Instrument # XXXX Book # XXXX Page # XXXX Filing Date : XXXX XX/XX/2019 Re : XXXX County, Florida Special Warranty Deed Instrument # XXXX Book # XXXX Page # XXXX. Grantor conveys to Grantee property on page 1 of the attached deed that does not match the property described on p 3 of the deed that it has the right to convey. The legal description on page 1 of the attached Special Warranty does not match the legal description on the authorization document on page 3. 

The response letter by Third Federal Savings and Loan to Complaint # XXXX is defective. It is not dated and bears no signature. This response letter reads as follows and is also attached as an exhibit to this complaint. 

We are advising the CFPB and all applicable regulatory agencies of a mortgage on a property Grantor had no right to convey. As such we are requesting that the CFPB, the OCC and all applicable regulatory agencies take immediate action and direct Third Federal to amend the mortgage so the grantor 's legal description of the property is correctly reflected on the mortgage and note documents. SEE PAGE 1 and PAGE 3 of the attached warranty deed for a comparison of the legal descriptions. 

Thank you for your immediate assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The response letter from Third Federal hereto attached as an exhibit reads as follows : IT BEARS NO DATE AND NO SIGNATURE BY XXXX XXXX. 

CFPB Office of the Comptroller of the Currency RE : Case Number XXXX Consumer : XXXX XXXX To whom it may concern : Third Federal is in receipt of the above reference case and has reviewed her statements and our records. Please find our response below : XXXX XXXX is not a current customer of Third Federal Saving and Loan therefore there are no documents in need of any corrections. The documents she provided belong to another customer of ours. 
XXXX XXXX Closing Manger
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX XXXX Fecha XXXX XXXX  Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX  Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Incorrect Employer : XXXX XXXX. Date Updated : XX/XX/XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Current Employer XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is in tended as follow up to FTC Request Number XXXX, submitted on XX/XX/XXXX, wherein I have requested that my XXXX and XXXX credit files be permanently expunged. Both XXXX and XXXX   have elected to become complicit in mail fraud and mail tampering in the furtherance of mail fraud by steadfastly persisting for two and-a-half years now in listing a fraudulent debt reported by the collection agency in question, Professional Debt Mediation, which has violated Florida State law in its handling of the debt upon being assigned to it by XXXX XXXX XXXX on XX/XX/XXXX ( XXXX Account # XXXX ) and then proceeded to deliberately violate Federal Law by engaging in both systematic mail fraud and mail tampering to cover it up. Despite notifying me about the debt on XX/XX/XXXX via First Class U.S. Mail at the new address I had moved to in XXXX, Georgia on XX/XX/XXXX, when I disputed the debt via email on XX/XX/XXXX, the creditor responded on XX/XX/XXXX -- more than two full months after initiating collection activity against me without the 30 days prior notice to my last known address via Certified Mail of its intention to impose a claim on my deposit required by Florida Statute 83.49 ( 3 ) ( a ), which further specifies that the creditor must refund my deposit before initiating any collection activity against me in such a circumstance ( www.leg.state.fl.us/statutes ) -- by generating a fake Certified Mail notification to my previous address in XXXX, Florida ( XXXX XXXX # : XXXX ). The creditor then further exacerbated its willful perpetration of mail fraud by intercepting the Certified Mail notice with the help of the Postal Carrier for the route on XX/XX/XXXX in an effort to prevent me from finding out about it, since my mail ( including all Certified Mail ) was set up with the U.S. Postal Service to be forwarded on a permanent basis to my new residence in XXXX, Georgia, as of XX/XX/XXXX. Despite the endless obfuscations of the creditor and collection agency in question regarding this fraudulent debt, it should be palpably clear that they deliberately violated Federal Law by engaging in willful mail fraud and mail tampering in their handling of the debt, which can only have been instigated to cover up their failure to comply with Florida Statutes in the handling of it.
Product: Checking or savings account

My check was not deposited and no ETA as too when my funds would be deposited
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Date Opened : XX/XX/2023 Balance : {$200.00}
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Non-Compliance and Violation of Consumer Rights To Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Equifax for their continued violation of my rights under the Fair Credit Reporting Act ( FCRA ) and their failure to stay in compliance with the XXXX XXXX format. Despite my numerous attempts to resolve these issues, Equifax has consistently failed to address and rectify the fraudulent accounts and inaccuracies on my credit report. 

I have sent multiple disputes to Equifax regarding fraudulent accounts listed under my name, specifically : XXXX. XXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Family Support Despite providing all necessary documentation, including an FTC Identity Theft Report and a police report, these accounts are still being reported and have not been blocked as required by law. 

In addition to the above, there is a discrepancy regarding inquiries on my credit report. I recently received a copy of my credit report from Equifax that shows no inquiries, yet I was informed by Equifax representatives that their system indicates there are XXXX inquiries. This inconsistency is unacceptable and causes significant confusion and concern regarding the accuracy of my credit report. XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, dated XX/XX/year> XXXX. XXXX XXXX, dated XX/XX/year> Moreover, I am a victim of the Equifax data breach, which compromised my personal information. It is clear that my information has been fraudulently used, contributing to the issues I am currently facing. 

I have communicated with several Equifax specialists regarding these matters, yet no effective action has been taken. Equifax 's failure to address these issues and their non-compliance with consumer protection laws is unacceptable. 

I urge the CFPB to hold Equifax accountable for their actions and ensure they comply with all relevant laws and regulations. Equifax 's fraudulent actions and negligence have caused me considerable distress and potential financial harm. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these issues. 

SEE ATTACHED CERTIFIED LETTER TO EQUIFAX AND ATTORNEY GENERAL COMPLAINT