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

On XX/XX/2019, I sent a validation of debt letter to Receivable Recovery Services, a collection company that now owns a supposed medical account of mine. I do not recognize this account, which is why I sent them a validation of debt letter. According to the FCRA, the collection agency was to provide me with : - what they say the money I owe is for ; - how they calculated what they said I owe ; - copies of any papers showing I agreed to pay what they say I owe ; - a copy of any judgment ( if there is one ) ; - identify the original creditor ; - proof the statute of limitations has not expired ; - proof they are licensed to collect in my state ; - their license numbers and registered agent. 
Not only did they disregard my requests and not provide me with any information, as a collection agency, they blatantly broke the law that is the FCRA. I have attached my original letter and their response. On their response, I highlighted the specific section where they state I asked for validation of debt, but they only provided me with verification which breaks the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and seen that i have some inquiries that I didn't authorize. None of these companies have my permission, signature or my consent to have pulled my credit. I do not have any accounts open from these inquiries and I would like to have them removed as soon as possible. Its illegal according to section 604 of the FCRA. 
XXXX 1. XX/XX/2019 XXXX XXXX XXXX 2.XX/XX/2019 XX/XX/XXXXXXXX 3.XX/XX/2019 XXXX XX/XX/XXXX 4. XX/XX/2019 XXXX XXXX 5. XX/XX/2019 XXXX XXXX 6. XX/XX/2019 XXXX XXXX XXXX XXXX 7. XX/XX/2019 XXXX XXXX. 

XXXX 1. XX/XX/2019 XXXX XXXX XXXX XXXX 2XX/XX/2019 XXXX XXXX XXXX Experian 1.XX/XX/2019 XXXX XX/XX/XXXX 2. XX/XX/2019 XXXX XXXX XXXX  3.  XX/XX/2019 XXXX XXXX 4. XX/XX/2019 XXXX XXXX 5.  XX/XX/2019 XXXX 6. XX/XX/2019 XXXX XXXX
Product: Bank account or service

My Bank account was closed and my money has not been returned to me. The bank wrote me a letter to tell me that my balance wont be returned to me, including the direct deposits from my job. 
My Cousin XXXX XXXX who lives in XXXX contacted me for help with paying for his Goods/products in XXXX. He told me that he contacted some of his acquaintance in the USA who agreed to deposit into my account any dollar amount they want to send to XXXX so that he ( XXXX ) paysthe beneficiary in XXXX Currency. This 's due to the difficulties the business Men and Women in XXXX go through in order to obtain Dollar for their foreign transactions. I agreed to help my Cousin after he promised that the money that will be deposited into my account will be from a genuine source only come from within the USA. I started receiving deposits in my account and acknowledged same before he remitted the XXXX equivalent to the beneficiary in XXXX. 

On XX/XX/2016, I noticed that my account was blocked and called Bank of America. I was informed that there was a fraudulent activity on my account hence the reason for my account being investigated. They refused to tell me what it was. This went on for over a week before a Bank of America associate finally called me to intimate me that a deposit of {$2000.00} was made to my account on XX/XX/2016 which the account owner did not authorize. I have contacted my Cousin about this and he gave me a name and phone number of the check bearer which i forwarded to Bank of America.I also asked them to look up the check bearer on the bank 's camera for arrest. 

Evidently, if the account owner did not authorize the said Check, then a stolen Check was deposited to my account in Florida. I am therefore seeking for an advice on how to go about this to clear my name from this and also my personal money including a direct deposit from my Job be released to me. I am willing to provide all correspondence from Bank of America and the Letter from my Cousin to me regarding this. 
Thank you The bank name is : Bank of America ( THE FILE # XXXX ) XXXX XXXX XXXX XXXX-FLORIDA, XXXX XXXX
Product: Debt collection

Discharge Date : XX/XX/2015 from the hospital and was unable to pay co-payment after insurance. It went into collections and is now over XXXX XXXX XXXX. XXXX, XXXX and XXXX is a third-party collection agency who bought the debt later and refuses to delete it from my credit. this original debt is over XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We are exhausted after several months try to work in a reasonable agreement with DITECH Mortgage ( former Greentree ) this company has been delaying, rejecting, postponing and unreasonable denied any chance to review our request for a loan modification initiated at the beginning of this year and submitted using all ways possible phone, fax, mail, email, servicer website, hope loan port, senator warner and more, and nothing, nothing happened besides DITECH letter stating that they will close my case for no documentation!!!!! 
My housing counselor was struggled and frustrated dealing with this company they are acting just as a collection agency with total disrespect for the good faith of client, consumers and same government. Please help me with my case
Product: Credit reporting or other personal consumer reports

I have a few inquiries on my report that are not even mine
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 XXXX and Transunion 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 XXXX : {$450.00} XXXX XXXX XXXX XXXX : {$10000.00}
Product: Checking or savings account

BBVA has a call center in XXXX, which when I called asking for help with fees, impacted due to covid, the representative did not even know about CFPB, FDCPA. I am a XXXX XXXX XXXX employee. The bank is not educating their employees correctly, in order to misinform other XXXX customers, and charge them overdraft fees, thinking every XXXX is uneducated, and can not read terms and conditions. I have been out of work since XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX. At XXXX, we assist customers, returning fees. The bank even saw my stimulus deposit was not received until XX/XX/XXXX. The bank refused to assist me except with 2 overdraft fees. Overall, the bank is intentionally not educating its outsourced call center reps. I had to inform the rep about CFPB, since in XXXX, there is no banking system as organized as ours. The bank charges XXXX for {$1.00} transactions for stash ( less than {$5.00}, and I've called 3 times informing them I never signed up for stash ). I informed them, I'm on XXXX, receiving 70 % of my pay.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c. This section prohibits debt collectors from communicating with consumers in certain circumstances, including when the consumer has requested that communication cease or when the consumer is represented by an attorney. Despite my clear request for no further communication, I continue to receive repeated and intrusive contact from [ XXXX XXXX XXXX XXXX XXXX. This not only violates my rights under the FDCPA but has also caused me significant distress. I kindly ask that your office look into this matter and take appropriate action to ensure compliance with the law. I appreciate your attention to this important issue and look forward to your response. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 


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
Product: Credit reporting or other personal consumer reports

XXXX failures to report that my XXXX have been forgiven under Expresident program. A case was established and completed. 
XXXX will be the servicer for borrowers in the Public Service Loan Forgiveness ( PSLF ) Program. Having all of your loans with XXXX will continue to make it easier for you
Product: Checking or savings account

I deposited a insurance check into my account in XX/XX/XXXX. Regions notified me they were going to hold the check for 3o days but they had already received the funds from my insurance company. Regions charged my bank account an excess of over 1000.00 in  overdraft fees because the check didn't have the signature of the company that did the repairs on my car. The repair company tried to have them release the funds but they wouldn't. I paid the automobile repair company then had to have them credit my account because regions wouldn't release there money that has already been cleared from my insurance Co. Bank.
Product: Money transfer, virtual currency, or money service

I am lodging a formal complaint against CashApp, alleging inadequate customer service and unfair practices that breach the Consumer Financial Protection Act. Specifically, CashApp has failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Moreover, their dispute resolution process was unfair and deceptive, as they failed to comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. Consequently, I have suffered significant inconvenience and financial loss, and I am seeking appropriate redress for these violations.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and affective measures to prevent and address fraud on there platform leaving my account vulnerable and unprotected. Futhermore, there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds 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

XX/XX/XXXX I agree to a mortgage modification with XXXX XXXX XXXX XXXX. The trial payment period began in XXXX XXXX and ended in XXXX XXXX when the modification documents were ratified. Between XX/XX/XXXX and XX/XX/XXXX I filed disputes with all three major credit bureaus to have the XXXX mortgage information updated. After each investigation XXXX continued to report the modified loan delinquent. Additionally, on XXXX or more credit reports XXXX reported the loan twice ( the unmodified loan and the modified loan ), and therefore corrupting my credit file with an additional {$300000.00} of delinquent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX - {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; XXXX XXXX  credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
*XXXX  XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from EXPERIAN XXXX " Completed investigation of FCRA dispute - consumer disagrees '' OR XXXX XXXX XXXX " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them. 

Thank you!
Product: Debt collection

i received a communication by mail from gc services in XX/XX/2016 dates XX/XX/2016 stating they are a debt collection agency and an account with sprint for celluar services is now in collections and transfered to this debt collection agency to collect on XXXX behalf. i mailed back a request asking them to first verify that i owe gc services this money because i had just recieved my last bill in the maila few days after receiving this communication from gc services stating that my bill was due on XX/XX/2016 .how can i owe this bill to XXXX directly and also to a debt collection agency at the same time .i switched from XXXX to XXXX on XX/XX/2016 so it is odd and i dont think this is normal practice that not even a month later before i can even get my final bill in the mail from XXXX my account is already with a collection agaency gc services, especially when the due date on the bill i received from XXXX was the XX/XX/2016 which has not passed before already receiving communication from a third party debt collection agency i sent letters out to the debt collection agency gc services twice requesting the following : 1 ) a valid copy of the original signed contract with the original creditor ; 2 ) a valid copy of the original statements from the original creditor showing the balance amount of the debt owing ; 3 ) a letter from the original creditor to GC Services Limited Partnership that grants GC Services Limited Partnership the authority to legally collect on the debt ; 4 ) proper and complete written notice concerning the debt ; 5 ) valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party ; and XXXX ) a valid GC Services Limited Partnership collector 's license and the collection agent named XXXX valid collector 's license for the for the state of New york XXXX 
the only thing they have sent me back in return is the bill that i receive in the mail from XXXX and an agreement from XXXX for cellular service. then shortly thereafter my last letter to them on XX/XX/2016 they have not responded to me i was disputing this debt therefore it should have not been reported but they still unfairly reported me to all three credit bureaus as a collection account in XX/XX/2016 .these practices are unfair they blantly ignored my request and spoiled my credit by reporting me to the bureaus. i would like a full investigation as to these practices as i dont feel it was fair and they have broken some rules of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

this complaint is on experian and there non compliance to fix errors that I have brought to there attention on numerous occasions. they claim that the company has verified the reported information as accurate or claim to have update the error. 

XX/XX/XXXX I sent experian a dispute on two accounts. one account XXXX XXXX XXXX  dispute was based on the fact that XXXX and experian are both reporting a different running of reporting expiration period. and the other account XXXX XXXX dispute was based on the fact that experian is not reporting a On Record Until so I dont know the exact expiration period. 

XX/XX/XXXX experian furnished me with results saying the account XXXX XXXX XXXXXXXX  REMAINS but the On Record Until XX/XX/XXXX DOES NOT prove the accuracy of reported information according to the payment history. in fact in the payment history XX/XX/XXXX reports a 60 day late. according the fcra 15 USC 1681c ( c ) Running of Reporting Period congress clearly states that the 7 year period shall begin with respect to any deliquent account, upon the expiration of the 180 day period beginning on the date of the commencement of the deliquency which immediately preceded the charge to profit or similar action. even if this data furnisher has verified that this date XX/XX/XXXX is accurate then what about the payment history? the payment history doesn't prove this date is right. so this data furnisher or experian is verifying the payment history is accurate also which is a lie. 

XX/XX/XXXX experian furnished me with results saying the account XXXX XXXX has been Updated. when I sent my last dispute XX/XX/XXXX it was based on them not reporting a On Record Until. Experian failed to fix this error by not including it in my after results, and instead furnished me with my after results that reports the exact same as the before results. the data furnisher did not even notate a notice of dispute. the comments section still reads under Current " Redeemed Reposession ''. how could experian process my dispute in XX/XX/XXXX without proof that the data furnisher has investigated on their end. 

in conclusion I feel as tho experian is failing to comply by correcting the errors that I have already brought to there attention. experian is in non compliance when it comes to the FCRA regulations and by them failing to comply it is damaging my ability to gain new credit line opportunities. I have done my part as a consumer and I need your authority to force experian to corporate. I've wasted my time and money by sending in my disputes and experian doesn't care about the laws the FTC and FCRA enforces. I am currently in the middle of my home buying experience and experian is causing me to possibly not be able to get my new home loan by failing to comply.i have included copies of the letters sent out on XX/XX/XXXX, my XXXX report from XX/XX/XXXX proving the inconsistent expiration period date on account XXXX XXXX XXXX and copies of the results experian has furnished to me.
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  **** Balance Owed : {$9.00} XXXX XXXX  XXXX Balance Owed : {$27000.00} OFFICE OF THE ATTY GEN  XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

We request investors information from Specialized Loan Servicing, and when were SLS obtained ( Date ) and from who.
Product: Mortgage

Bank of America is not offering a fair solution to resolve my loan issues. They are re-requesting the entire information I have sent several times, plus adding additional information for me to submit. Bank of America made me wait over 1 year and 3 months to deny me at the first level. This is costing me thousands of dollars in increased loan payments. 

Bank of America is now wanting me to go through this entire process again. My property managers haves suffered as well as far as having to submit and re-submit documentation showing rent. Now they are threatening to quit as this Bank continues to put me though XXXX and back. This agency needs to do something to keep this bank in check.
Product: Credit reporting or other personal consumer reports

See attached. 
I wrote a complaint to Equifax CEO in regards to Equifax sham investigation, and the inappropriate response pf responding in ALL CAPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had online accounts setup with Equifax, XXXX, XXXX, and XXXX to login and check my credit reports which I have not done for several years. I have a freeze on all these accounts. I tried to check the status of each of the XXXX with the online usernames and passwords we had setup. Today I found out than none of the logins I had established work now. None of these companies ever notified me that my login was XXXX. If I desire to make a large purchase and need to temporarily unfreeze the my accounts, I have no way to contact these companies because my logins are shot. I can find no way to write to the companies to correct these problems that they made. The only thing they offer for help is a phone number which leads to an endless que to waste my time with each XXXX of these outfits which I refuse to accept. THEY CAUSED THIS PROBLEM, YET I'M SUPPOSED TO WASTE UNKNOWN HOURS TO GET THIS FIXED. Why are their online security setups so messed up that they can not maintain a login online? This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX for an interest free balance transfer. On XX/XX/21 and XX/XX/21 XXXX did 2 unauthorized hard inquiries on my personal credit report. 

I have contacted XXXX advising them that the 2 hard inquiries were unauthorized. I requested deletion letters for both hard inquiries. I was told that I had to contact the credit reporting agency. I know that to be untrue. 

I have had a loan with XXXX for 4+ years and a credit card with a XXXX credit line. When I was contacted about an interest free balance transfer I requested a credit increase to XXXX. I was told they would review my credit within the company. If I had been asked for authorization to run a hard inquiry I would have refused. I was never given a chance to authorize because I was never asked. I certainly would not have authorized 2 Hard inquiries.