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

ITS been 30 days you are in VIOLATION of US 1681C-2 law15 U.S. Code $ 1681c-2 aconsumer reporting agency shall block the reporting of anyinformation in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, DELETE these items IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was first due for repayment XX/XX/XXXX. There has been no payments made by me or any representative of me through any fashion in well over the XXXX for this loan. This loan was removed from my credit report several years ago due to the XXXX and there are several inaccurate payments reported on my account that were never made in an effort to re-age this debt and begin collecting on it again. I have sent several requests to XXXX to provide proof of payments made including where there came from and they refuse to provide me with this vital information that would prove that this debt is well past the XXXX to collect and report on. They now have debt lawyers contacting me daily and harassing me for debt that is well past the XXXX and unable to do so on. they also are reporting on my credit a last payment of XX/XX/XXXX currently, which does not reflect the inaccurate information they have of XXXX in their own documents.
Product: Credit reporting or other personal consumer reports

Lexington law firm never repaired my credit and never ever contacted me back
Product: Credit reporting, credit repair services, or other personal consumer reports

In accurate inquiries on my credit report.The FCRA also allows for statutory damages of between {$100.00} and {$1000.00} for willful violations. These damages are often pursued in class action FCRA claims..34 hard inquiries 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts recently to have the balance updated to {$0.00} on a closed account with this company. The account was sold to a collection agency and yet this company is still reporting a balance owed. According to fair credit reporting practices, an account sold or transferred to a collection agency should not continue to report a balance owed. The fact that they are still reporting that I owe a balance is a direct violation of my rights under the FCRA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( block inc ) due to the inadequate customer service and unfair practices, which violated 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 of their dispute resolution process. Was unfair and deceptive. As they do not comply with. Error resolution requirements. under the electric funds transfer act ( efta ) and regulation E these actions have caused significant inconvenience in financial loss. I seek. Appropriate redress for these violations.
Product: Credit reporting

I disputed XXXX items under the XXXX law. All disputes were notorized and sent certified mail over a four month period. I never received copies of the original applications to these accounts as the bureau is suppose to have on file, and said items are still on my report against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX Date opened : XXXX Identity theft : Remove Account and items reporting Amount Reporting {$3700.00} Multiple Attempts to delete Account information
Product: Checking or savings account

I do not believe this being sent to the company will help, Ive tried to deal with the company and they refuse to help me. They have taken thousands this year and last year alone in NSF fees. I have proof and have been keeping track of how they re-order the debits and deposits in my account. I have seen them do it, and they still repeatedly do it. 
I spoke with a customer service representative around XXXX and informed them I knew the order changed of my debits/deposits have changed. After I spoke with them the order changed back to the correct order that it was previously. Since then Ive seen it happen againI transferred money from one personal checking account to another. Then the bank changed the order to look like already, previously posted debits came in after my deposit which was not accurate, the debits had occurred before my deposit. Basically, debits posted I transferred money and then more debits because I was closely watching to make sure my account did not go negative. Instead the bank changed the order to justify taking two NSF fees when they should have only taken one because my account did become negative, but I kept up with it well enough to know that only one charge shouldve caused it to go negative with one NSF fee. When I called Customer service they gave no real explanation and only told me they could not return the other incorrect NSF fee. 
I have also discovered debits that usually take longer are being pushed through faster, I know that to be the bank because they know they will be able to charge me NSF fees as I go negative. Everyone knows that banks do this, it is not a secret. They should not be able to prey upon people like me that are not able to keep enough in our bank accounts at all times. 
They only return NSF fees once every two years, I do not believe this to be legal. 
I do not want to be contacted by this bank UNLESS they are going to return some of my thousands in NSF fees because what they have done to me is just causing me to struggle more and more. They are causing me to have less money in my account so its easier for me to go negative again and again. Since this bank took over the previous company I banked with, my checking account has gone into the negative more often than it ever had before. 
Banks should be there to help us, not to cause us strife. 
I also have read on Indeed that current and previous employees have complained about the bank itself. They have also said that they know this bank no longer cares about customer service or their clients. 
I also had a debit that was supposed to go through a credit card, it was declined and then push through my checking account which it should not have been. The bank didnt stop it so I then asked for a fraud investigationits been over two weeks and the bank still hasnt finished this. They are of course being difficult because they dont want to have to return the NSF fee that I was also costed, the NSF fee was more than the actual charge amount which just adds insult to injury.
Product: Mortgage

BECAUSE OF EQUITY SPS WONT MODIFY XXXX XXXX XXXX, CALLED XXXX XXXX SAID WOULD APPROVE LOAN MODIFICATION, BROTHER LIVES IN HOUSE ALMOST DIES DUE TO ILLNESS!!!!!!!!!!!! NOW GOING TO XXXX  for money to bring loan current, there is equity but we can not refinance due to late payments. Feel discriminated against and my cousin has helped clients past due since XXXX  and they get modifiations!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into TCF bank in  XXXX. XXXX, MN to try and open a savings account and I was told that I was denied on XX/XX/XXXX. I then went and had my credit report ran by a XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX and they informed me that on my credit report I had a fraudulent charge on there in the amount of {$2300.00} from XXXX XXXX  XXXX on XX/XX/XXXX. I then proceeded to obtain my own credit report from XXXX, XXXX, and XXXX  on XX/XX/XXXX. I did not see those fraudulent charges on XXXX  or XXXX, but I was able to locate it on XXXX. On my XXXX  report, they had said that it was from XXXX XXXX, for the same amount, but different date being XX/XX/XXXX. I called XXXX  and attempted to dispute this charge but they had said that they were unable to process the dispute, as they apparently do not deal with checking or savings account fraudulent charges. I also called XXXX XXXX  XXXX, and they informed me that they did not have my information anywhere within their system but would forward the information onto higher ups for them to look into it further. Once I was notified of XXXX XXXX, I contacted them and spoke with a girl named XXXX, and she said that she would forward my information onto higher ups as well and I should hear something within 30 days. This was all completed after I obtained my credit reports on XX/XX/XXXX. For the record, I personally have never gone into or been associated with XXXX XXXX or XXXX XXXX. Also, upon looking at my XXXX  report, I noticed that they had an alias that was associated with my name. I have never had an alias.
Product: Checking or savings account

-Chase failed to adjudicate claims in timely manner.

-Chase violated my Privacy Rights in which I recorded the multiple occurrences. 
-Chase has discriminated against me. -Chase bank has retaliated against me and violated my consumer rights each are civil rights violations. 
-Chase is withholding my direct deposit -Chase did not follow their own bank policies by not resolving my XXXX office cases in the timeframe given to me by the XXXX office department on recorded line as well as indicated on their website. 
-Chase did not resolve my CFPB Case in the time frame specified by CFPB -Chase violated my privacy rights and refused provide contact information for privacy violations. 
-Chase has not made my account viewable to identity claims, transactions, etc -Chase XXXX XXXX refused to escalate my case to appropriate department including Chase back office team -Chase failed to find fault on my end regarding account usage, claims, bank processes and guidelines. 
There was no wrong doing or misuse on my behalf which was verified by XXXX XXXX XXXX XXXX XXXX XXXX 
-Chase advised me that I had to block my debit card and the merchant due to a claim dispute. They advised me NO transactions would be allowed thereafter. However they allowed transactions from the very merchant I contacted them for assistance disputing. This is AFTER I had even received a new debit card.

There was no verifiable cause on my part for closure.

-Chase is aware my direct deposit was to going into my account. They advised my case would be resolved prior to the deposit. This was not the case. They have withheld my funds and did not release my funds to me. 
I do not have access to my account, funds and this has caused merchants to not received previously established payment. 
-Chase bank has been negligent in handling my case, adjudicating my claims and have not provided the documentation notifying me of account closure nor have they contacted me regarding my case. I requested XXXX XXXX callbacks and have not received XXXX callback the duration of the case. They advised on my recorded line the bank has XXXX hours for call back. -Chase have violated my rights by not adhering to their own policy.
Product: Debt collection

I have already told them I recently ( 2 months ) had XXXX and was out of work. They continue to call all day and even have other branches in other cities continue to call all day. 
O am sorry I can not pay at this time due to I list my job but the harassment has got to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion will not remove the XXXX XXXXXXXX XXXX account from my credit report. i explained to them that the account does not belong on my credit report and that it should be blocked. XXXX  XXXX XXXX refused to work with me to get the account off of my report. they told me they sold it to some third party company, which told me they sent it to XXXX  and XXXX law firm. i called XXXX and XXXX and no one answers the phone. i was only able to get them on the phone twice but they refuse to answer anymore of my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I wrote to Experian, XXXX  , & XXXX  informing them that the accounts listed on my credit report is inaccurate and incorrected. I showed proof of all the inaccurate information reporting on my file. I started with account # XXXX in the amount of {$370.00} being reported on my file. University Of XXXX account # XXXX I informed them of NO CONTRACT. Account # XXXX IN THE AMOUNT OF {$860.00} NO CONTRACT, XXXX ACCOUNT # XXXX Inaccurate information. And on XX/XX/2018 XXXX  & XXXX  Informed me that the items were verified. Which is through a the XXXX  system. I got nothing in writing stating who XXXX  & XXXX   spoke with from these companies am disputing this information from nor is they licensed in my state to collect on this alleged debt they say I owe them. Experian never responded to my letter from XX/XX/2018. So on XX/XX/2018 I wrote to XXXX XXXX/Account # XXXX asking the to validate the {$370.00} they say owed them with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them They sent me a itemized bill in return. I have not received any evidence bearing my signature from this company. But they are still reporting this inaccurate information on my credit file. I wrote to XXXX/Account # XXXX on XX/XX/2018 asking to validate the account with evidence bearing my signature. I received a letter stating XXXX is collecting on a alleged debt from XXXX XXXX XXXX. They showed no proof of any evidence bearing my signature with neither party. I would for this misleading inaccurate information be deleted off my credit file as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried fixing this issue with all three bureaus on this account because Account status reports as closed with a balance of {$2.00}, XXXX. Date last reported along with date last active has been re-aged. Payment history is reporting data by XXXX and XXXX yet missing data on date of last payment. I have not received any document stating that account has started its investigation yet account has been updated pushing back the date it should fall off this is not acceptable. This account is reported as close with a balance yet account is still reporting payments on payment history after account is closed this is not possible I previously wrote to bureaus asking to verify or delete immediately because account is reporting incorrectly. There is no way that account can be closed and yet reporting payments on a dead account.
Product: Debt collection

On XX/XX/2019 XXXX XXXX XXXX filed 4 collection notices with XXXX on my credit report for amounts as follows : {$610.00}, {$830.00}, {$770.00}, and {$59.00}. This apparent law firm is apparently in XXXX, Texas per a XXXX search, Most likely Mitchell D. Bluhm & Associates , LLC. No account information or contact information is provided in the XXXX report, and XXXX has no accounts in collections on my records. I have no way of knowing or contacting this firm with regard to these amounts, nor do I have any collections accounts in these amounts anywhere. This looks like fraudulent reporting and there seem to be numerous complaints about this firm online. I live in XXXX and have no ties or accounts in Texas.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

For the past year, I have been in correspondence with Pressler and Pressler regarding at XXXX account. Prior to bring sue ( unknowingly ) by this company, I provided proof that I have been collecting unemployment benefits since XXXX XXXX. I also sent then another company in XXXX XXXX. On XXXX, XXXX, XXXX, XXXX constable by the name of XXXX XXXX withdrawal funds in the amounts of {$890.00}, which is not the amount owed, from my account without my permission. This practice is against Federal and state of NJ laws when collected monies owed. I am currently on Welfare due to my unemployment benefits being exhausted. This company is refusing to reimburse my funds.
Product: Debt collection

I am writing to formally dispute the accuracy of the following collection accounts that appear on my credit report : Fair Collections and Outsourcing Inc. {$1000.00} Date : XX/XX/year> I have reason to believe that these accounts have been reported erroneously. Each of these debts was allegedly sold to creditors of which I was unaware, and I have not signed any agreement related to these debts. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you investigate this matter and remove any unverifiable or inaccurate information from my credit report.
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Mortgage

Please see the attached complaint. Nationstar refuses to remove unearned fee charges, inaccurate payment allocation toward late fees, and refuses to fully credit the loan 's partially allocated interest payment. Leaving me with false charges of completed foreclosure by unperformed services, false charges for overlapping force-placed insurance after wiring XXXX  a full year of active homeowners insurance 4 months earlier in full violation of 1024.37g and XXXX2 USC 2607- Nationstar 's current counsel has presented a false narrative and background for 7 years and 7 mos. trying to shield Mr. Cooper from liability, and has never discussed these matters or explained why they knew of mandatory charge removal over 8 years and have not done so. I asked for proof of services on XX/XX/XXXX and XX/XX/XXXX from Mr. Cooper and they ignored the request. I asked again for proof of services from the law firm representing Mr. Cooper in XXXX on XX/XX/XXXX by faxed request and the counsel there refused to produce even a single document claiming there were no documents because the home sold and was not foreclosed, knowing she was being recorded on this phone call. There is a XX/XX/XXXX hearing date to determine whether I can seek damages for leaving inaccurate damaging information in my mortgage file without performing the mandated removal of false charges.