23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX todays date XXXX I recently looked at my credit report and I noticed you are reporting. ACCOUNT NAME XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX This account THIS WHOLE ACCOUNT MUST BE DELETED I did not authorize this account as I did a FULL INVESTIGATION OF MY REPORT this account is a fraud account! I have previously disputed late payments because I thought this account was mine, but this ACCOUNT is not mine. MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Todays date XX/XX/XXXX I have I have recently disputed this account it was updated but my request was to DELETE ACCOUNT NAME XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days. THE CREDIT BUREAUS AND ACCOUNT NAME XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already mad an identity theft claim thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate this alleged collection account : Account name : XXXX XXXX  # XXXX However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How n the XXXX is there a balance on a charged off account? According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Debt collection

I offered to settle the amount owing to Navient in full upon them furnishing the original instrument of indebtedness in its original form. I communicated with them 3 times over the course of several months. I had asked them to provide this verification of the debt legally existing by XX/XX/2020. Not only did Navient make no attempt to provide me with the original instrument that created the liability, but Navient didnt even reply to my communications with them. They did, however, harass my extended family members with phone calls. They called the same family members multiple times, informed them that I have a debt, and asked them to pass on messages to me. They did this even though they already had all of my information about how to contact me and communicate with me. Due to their inability to provide the original instrument of indebtedness, I informed them that I considered the matter between us to be legally and financially settled. When they finally did reply to ME and communicate with ME, on XX/XX/XXXX, they included something that was NOT the original instrument of indebtedness and continued to try to collect the debt. The letter from Navient was simply signed XXXX, XXXX XXXX. There is no last name because nobody wants to be held liable for pursuing to collect an unverifiable debt. 

I am now being harassed by XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX, with whom I have no contractual relationship. They are third party interlopers, have no knowledge of the matter between myself and Navient, and have no business what-so-ever harassing me. I have disputed the debt with them and informed them that the debt was legally and financially settled. 

It seems to me that there is no original instrument of indebtedness in existence which, again, settles the matter legally and financially.
Product: Debt collection

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : IQ Data International IN and account number IQD0NA Account name : XXXX XXXX XXXX and account number XXXX 15 USC 1681 Section 602 A : States I have a 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 instruction.

15 USC 1681 section 2 : A person should not provide information about a consumer to a consumer reporting agency if they know or have reason to believe the information is inaccurate. This also applies if the consumer has notified the person that specific information is inaccurate, and the person has the consumer 's address on file for such notices.
Product: Debt collection

Paid off the debt because it was affecting my credit score.  But the company has refuse to remove the collection debt from my credit score. I have called them several times but they refuse to remove it from collection even tho I already paid them. The company is transworld systems inc. I paid the debt collection so my credit score would improve. But they refuse to remove the collection. And it's still affecting me allot.
Product: Payday loan, title loan, personal loan, or advance loan

I took out the payday loan in XXXX XXXX next to my then employer as an emergency. I signed up for my payments to be automatically withdrawn using my checking and routing account numbers. My shifts at my job were XXXX hours and started before they opened, and after they closed, plus I lived XXXX minutes away. I explained this to them when getting the loan and I was told not to worry, they would withdraw it when payment was due. Every payday they would call me and ask to withdraw the money and every time I told them to take the money. I also told them every time they called that I signed for the payments to be automatically withdrawn and to please do that- do not call me at work as this can get me fired. They never collected payment even after telling them to do so. The last time I spoke to someone I told them that I signed up for automatic withdrawal for a reason and to please just take the payments out and stop calling me. They said okay. A few months later I got a letter stating that they were intending to send me to court for non-payment. I called and asked why they never took the payments out and explained that I had tried to make payments but it was an inconvenience with my job and location to physically go to the store, and that I signed up for automatic withdrawl directly from my bank account for a reason. I offered to pay the full amount of {$860.00} and some change in 3 payments and they refused. Now they're taking me to court. At every turn they have refused payment and are now threatening to garnish my wages. This isn't right. It was in my contract that they automatically withdraw the payments and they never attempted to do so.
Product: Credit card or prepaid card

my promotions were not paid as described. it was switch and bait.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices which violates the customer financial protection policy act ( CFPA ). Cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite my frequent use of Zelle and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety and security.
Product: Debt collection

This " law firm '' Reimer LawXXXX XXXX, XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX ) XXXX states they are legally protected to file garnishment of wages for a XXXX collection they BOUGHT XXXX XXXXXXXX. We did not agree nor sign ANYTHING regarding our XXXX taxes with this " law firm ''. We recvd one statement from them via mail, stating send {$5200.00} within 15 days of date of letter, which was XX/XX/XXXX. I recvd statement XX/XX/XXXX. 1st and ONLY communication with said " law firm ''. I sent a debt validation request to them, because AGAIN I had no information or idea whom this firm was and they DID NOT send any of the requested information back to me, however they were ignorant enough to send me a copy of the court information that anyone can screenshot off the actual court website. Not to mention that during the beginning of the covid pandemic, I spoke with XXXX from XXXX office XX/XX/XXXX ( XXXX XXXX Oh ) I explained that my work hours had been cut and the jobs we were set to complete were postponed and/or cancelled, due to the pandemic. She stated that she would note our acct and all accounts for XXXX payment plans were being put on hold until the determined time that the workforce ( ie : companies, businesses, offices, etc ) were able to get back to complete fulltime status. That is the last communication I had with XXXX. I did not contact XXXX again, bc of all the pandemic issues, illnesses and deaths happening in my family nor did I recv any type of mail, phone messages, email or information FROM XXXX regarding my account, since our phone conversation in XX/XX/XXXX. 

I have submitted a request for Judge XXXX for a hearing on this matter, case # XXXX on XX/XX/XXXX and I have also requested an AUTOMATIC STAY on any said garnishments until further notice. 
This " law firm '' should be ashamed of itself, especially in a situation where EVERYONE has been affected by the aftermath of a pandemic. If this " law firm '' works this shady, by scare tactics and ILLEGAL GARNISHMENTS, they need to be HELD RESPONSIBLE, especially during a time that our country is literally crumbling from high gas, utilities and food prices. This " law firm '' is going to meet up with others like myself, who are knowledgeable to the fact that its illegal what they are doing. These types of companies need to be held accountable for kicking the citizens while already down. Its DISGUSTING!!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. My latest credit report shows inquiries that I did not authorize!. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
XXXX. { XXXX XXXX }, inquired on : { XX/XX/XXXX }, { I did not authorize or give permission at no time } XXXX. { XXXX XXXX }, inquired on : { XX/XX/XXXX }, { I did not give authorization or give permission at no time } XXXX. { XXXX  XXXX XXXX }, inquired on : { XX/XX/XXXX }, { I did not give authorization or give permission at no time ) XXXX. ( XXXX XXXX XXXX ) inquired on : ( XX/XX/XXXX ), ( I did not give authorization or give permission at no time ) XXXX. ( XXXX XXXX XXXX ) inquired on : ( XX/XX/XXXX ), ( I did not give authorization or give permission at no time ) XXXX. ( XXXX XXXX XXXX ) inquired on : XX/XX/XXXX ), ( I did not give authorization or give permission at no time ) XXXX. ( XXXX XXXX ) inquired on : ( XX/XX/XXXX ), ( I did not give authorization or give permission at no time ) XXXX. ( XXXX XXXX XXXX ) inquired on ( XX/XX/XXXX ) ( I did not give authorization or give permission at no time ) According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation. I am requesting that an updated report be sent to those who received my report, within the last two years for employment purposes, or within the last one year for any other purpose.

Please investigate and update these items as soon as possible. 
I am asking that these inquiries be removed and deleted from my credit file immediately. 

Thank you for your assistance. 
Sincerely, ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

We sold our home and paid the full amount of the mortgage to XXXX Mortgage Servicing {$120000.00} on XX/XX/23 via wire transfer from the closing attorney. It has been over 30 days and the account is still being reported actively open and late. I called XXXX on XX/XX/23 and advised them that they legally have to report my credit accurately every 30 days, but was advised by their loan servicing department that they will report my account paid in full at 60 days after the loan was paid off in full from XX/XX/23.
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 Customer 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 and 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

We had damage to our home after Hurricane Irma. After 9 months the insurance company finally issued a check in the amount of {$120000.00}. By that time we had already taken the money out of our retirement account and the house had been completely repaired. The check was sent to Ditech in XX/XX/2018 as they hold the mortgage on the property. Also sent to them was all documentation requested including a signed waiver of lien and copy of statement from contractor stating payment had been made in full. An inspector from Ditech finally came to do the inspection on XX/XX/18. He submitted his report stating all work had been completed in full and the house had been totally repaired. Our adjuster spoke with Ditech on Tuesday XX/XX/18 and was told the inspectors report had been received and the check had been issued. On Friday XX/XX/18 we received a check for {$18000.00} made payable to our public adjuster. This was the exact amount he was owed. We spoke to Ditech that afternoon regarding the remainder of the funds and were told they were releasing another {$31000.00}. When questioned about the remaining {$75000.00} they responded that it was a lot of money and they had to check with the contractor to assure he had been paid before they released it. They agreed they had the signed release and statement from him showing he had been paid in full in their files but would not release the funds to us. Even though we sent them all required documentation we still have not received any funds from Ditech.
Product: Debt collection

Received multiple calls personally and left no messages. They have also called one of my relatives repeatedly. My relative finally answered and they stated they were trying to locate my where abouts. He called me and gave the name of FMR and their phone number. When I called back and spoke to someone he spoke very fast and told me this was an attempt to collect a debt. And asked me if my last 4 of my social and then stated 4 digits. When I told him I refused to verify that info since I was no familiar with the the company he said well it's just the last 4 and then I said will not give verify that info he told me he wouldn't be providing me with any info and to call back if I wanted it and then disconnected the call. He would not attempt to verify anything else and would not explain to me why he needed just that federal law requires him to get that info.
Product: Debt collection

1 never showed proof of claim failed to provide an actual contract where the actual flesh and blood name XXXX XXXX dually signed and witnessed by both parties not the unilateral agreement and which apone pg there there is reference to the entire agreement .proof of claim that rash Curtis is the original debt holder and a detailed invoice not a stament to which rash Curtis has lost any monies due to the mention debt And why are rasjh curtice o make false claims. And illegally place and report fictitious statements to the credit brought
Product: Debt collection

Hi, I was actually talking to a representative from FCO and made payment to pay off this account and they mentioned that as long I pay the collection account, they will remove this from my credit report. Fast forward several years later, it's still on my credit and attached is a paid-off letter receipt from them.
Product: Mortgage

United Wholesale Mortgage continues to fraudulently state that I am behind on my payments when in fact I am not. I have literally reached out to them describe their error for over one month ; I have created disputes through their customer service line but they are not resolving the issue. I refinanced my home loan with them in XX/XX/XXXX. My first payment was due XX/XX/XXXX according to their billing documents but the Loan Officer erroneously put XX/XX/XXXX on the promissory note. I have made XXXX payments to United Wholesale Mortgage, these XXXX payments equal payments that were applied to XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. United Wholesale Mortgage is still saying that I owe for XX/XX/XXXX instead of XX/XX/XXXX and is threatening to negatively impact my credit if I don't pay for XX/XX/XXXX again. My bank account shows that I made XXXX payments to my loan account but the last representative that I spoke to refuses to listen to my logical and factual statement that XXXX payments have been made, This is a very urgent situation that I need resolved soon as not to negatively impact my credit erroneously. They erroneously applied late fees despite them saying they would not while the situation was resolved. I believe this is a predatory financial institution. I have factual proof of the situation that I have not missed one payment at all and only the XX/XX/XXXX payment is due. I am willing to pay it but I need them to stop assessing false late fees. Please help stop this type of financial institution.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX
Product: Prepaid card

Made an order online from XXXX for {$59.00}. My debit card company is unfortunately Chime. The tracking company was XXXX. So doing some research found out the XXXX is a fraudulent company just by XXXX  their name. All reviews are negative. So then I researched XXXX and found out that nobody had received their orders but at same time they tacking company says your item was delivered but no in reality it never did. I seen online that they send out fake tracking numbers to customers. Then least but not last is Chime. So not getting a refund from XXXX or no contact back from them period then contacting XXXX about where is my package which they say they arent responsible. So I go to chime and dispute my {$59.00} transaction. I have disputed this 3 times so far and only thing they did for me was deny my 3 times in a row and only thing I got for a reason they denied me was they say according to their dispute investigation no error occurred. Understand I sent documentation to chime such as my receipt from XXXX My tracking info from XXXX and reviews from online about XXXX bring scammer. I got no item ever delivered to me I got no refund from chime and or XXXX. Basically my money was stolen from me and didnt get my package that they say was delivered
Product: Checking or savings account

On XX/XX/2020 I received a letter from Chase Bank unilaterally cancelling all of my personal accounts, and all accounts that I was associated with. This includes my mother, my niece, and my children. They cancelled credit cards on the same date as the letter and stated a termination of our banking relationship Would be effective XX/XX/XXXX. The bank has provided NO EXPLANATION, and has refused to communicate with me regarding this issue. I have had a relationship with Chase Bank for 20 years and have multiple business and personal accounts with the institution. The aggregate amount of my assets with Chase Bank are substantial, and being a Certified Member of the woman owned XXXX XXXX, I find the treatment XXXX   and discriminatory. Failure to provide any explanation, or opportunity to cure any perceived irregularity is misconduct by this institution.