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

Title : Debt Validation Letter XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your office to provide me with competent evidence that I have any legal obligation to pay you. 
I will need this documentary evidence to insure that your office isn't using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isn't any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. 
Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code {$3700.00} ( e ) by performing any of the following conduct, administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain At this time, I will also inforn you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, Experian, or XXXX ) this action may constitute fraud under both Federal and State Laws. 
If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounls must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately. 
XXXX ; XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, I had to take a forbearance under the COVID-19 Care Act. My mortgage reported and still reports me 2 times 90 days late/ 4 times 60 days late and 2 times 30 days late. I have reached out to my mortgage company XXXX XXXX XXXX XXXX which is now XXXX XXXX but when this took place the mortgage was with XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX sold the loan to XXXX XXXX 

On XX/XX/XXXX, I called XXXX XXXX to inform them that my issue was due to COVID-19. They mentioned they needed to conduct an investigation but did not respond until XX/XX/XXXX. During the call, they stated that they would remove the items within 15 days at the latest. I requested written confirmation, and the representative assured me that it would be mailed to me. However, as of today, XX/XX/XXXX, there have been no changes to my credit report, nor have I received any written communication. 

Please help me get this fixed. This was discovered when I was applying for a home loan and stop me from moving forward with the home loan.
Product: Checking or savings account

On XX/XX/year> I spoke to a representative at Chime, ( XXXX ). The refund XXXX XXXX told me was to be released on the XXXX of XX/XX/year>. Chime states that they received the funds in the amount of {$460.00} and was deposited on the XXXX of XXXX. XXXX states the merchant was XXXX XXXX. To date they have not released the funds and have been given me misleading information. I am requesting that the funds be released immediately and without delay. 

He states that a representative sent some message an escalations department but I still have not heard anything from this department as of this date. He is stating that he needs to transfer me to back office. He states that the name of the department is called " Back Office ''. This is going to be the fourth I am being transferred. This account is currently closed. It has been closed since XX/XX/year>. He states that he can not give me a reference number to track the progress on the task of issuing me the remainder of my funds. 

This is going to be the second time that I am having to process this request. XX/XX/year>XXXX  a request was made for the refund check and I haven't heard anything thus far. They are saying that the processing of this check takes 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, on XX/XX/18 I contacted by phone and online XXXX, Equifax and XXXX.My complaint is that an accurately reported auto loan payoff in full, on time, with no late payments of XXXX $ resulted in a DECLINE of 41,25, and 20 points respectively on the credit score from those reports.There is no place online to dispute the result only the accuracy of the report which I do not. No one at the various agencies could explain to me how this could happen or would make any attempt to correct it. All implied they may be more helpful if I subscribed to their service. The bank from whom I received the loan said they can only report the information accurately and are not responsible for what impact it had on the credit rating. They seemed unconcerned with the irony that for paying off the loan on time with no late payments and no delinquencies that I essentially am more likely to be declined or at least face a higher interest rate for my good behavior. Please help me rectify the situation if you can. Thank You.
Product: Mortgage

In XXXX of XXXX  I was referred to a lending agent to see if I qualified to by my first home. 
She said I was approved and gave me the name of her friend who is a real estate agent. I already found the house I wanted to put an offer on, but needed an agent to view it. 
After seeing it, I made an offer at the price they were asking {$450.00}, that night the agent called me and said they declined ( even thou they had no other offers and I did offer asking price ), so she suggested we offer {$450.00}, I agreed only if seller paid all closing costs. 

Not being familiar with the whole house purchase process, I assumed between the lender and realtor, they would know what closing costs would total. When I later saw the figure of {$9000.00} I assumed that was the closing costs amount they figured and closing costs meant except for escrow and appraisal fee, I would not have to pay anything at closing. Again, first time home buyer here and I was not walked through any process except the short conversations we had. 

So we start the process ( both lender and realtor knowing my finances, my budget and my limits $ ) Long story short I wound up paying {$8000.00} for a very high rate with no explanation, I also had to come up with over {$4000.00} at cash to close, witch I was not expecting. My lender also went XXXX for the week leading up to closing, she did not return calls or emails to me me or the realtor. 

I reached out to the company she worked with, her supervisor had to take over and close loan. Not only was it rushed through, but at the XXXX hour I felt extreme pressure to sign even thou the terms were not as originally what was agreed upon. I had already given notice of where I was renting and was alos going through a medical issue, so postponing and starting over and loosing my escow money was not an option I could afford. 

My needs as a buyer were not of concern, I felt extremely mislead and I feel it was ethically wrong.
Product: Money transfer, virtual currency, or money service

Unable to contact live representative for the missing funds, and fraud on my account there was no number or email, only a auto message system
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I sent a Zelle payment of {$350.00} to the wrong recipient. It went to XXXX at XXXX. It was supposed to go to XXXX at XXXX. I have made multiple attempts to resolve this with my bank, XXXX, and Zelle and the recipient. No one will return my money. The recipient is also listed as XXXX XXXX.
Product: Prepaid card

XXXX/XXXX/15 called XXXX how to do a split transaction using a {$200.00} XXXX gift card I rec 'd XXXX which expires XXXX/XXXX/15 to purchase my ticket for XXXX w/bal. paid XXXX -- got a confirmation XXXX on phone, was told to go to airport in XXXX, XXXX to run 2 cards thru for payment, got a printout of my flights, and XXXX said they were holding the money on the card for 8 days which is totally wrong and illegal but I was guaranteed XXXX that the price and seats would be held till all went thru. Waited till day before my trip to respond to their e-mail to check-in and no e-mail -- they wrongfully canceled all after I had obtained my confirmation # for the trip and then had the audacity to charge my visa an outrageous sum of XXXX for this flight of XXXX XXXX XXXX XXXX companies need to be reprimanded and fined heavily for the grief they caused me over this transaction XXXX. This is reprehensible for these 2 companies to be allowed to conduct business in this way. I would appreciate your strong action and help in this matter. I 've already filed a dispute action obviously with my XXXX card. I never want to go thru this again. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the list of accounts below has violated my Federally protected Consumer Rights To Privacy and Confidentiality under 15 USC 1681 I told the XXXX, TransUnion and XXXX to Reinvestigate these accounts However they stated everything was complete and accurate but how is that possible if the open date date of last activity and much more is incorrect according to 15 USC 1681 I ( 5 ) they are suppose to modify accounts that isn't reporting correctly 15 USC 1681 Section 602 A States I have the right to Privacy 15 USC 1681 Section 604 A Section 2 It also states a Consumer Reporting Agency Can not Furnish a Account without my Written Instructions! 5 USC 1681 C ( ax5 ) 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 then records of convictions of crime which antedates that report by more then 7 Years 15 USC 1681 S-2 A-1 A person shall not furnish any information relating to a consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I tried to send XXXX to my mother. Cash app was experiencing connectivity issues and sent me a message saying that the funds will send shortly. After some time passed and the money still wasnt sent, I cancelled the transaction. Usually when you cancel a transaction the funds go back into the account immediately. Well the funds was never returned. I had a beginning balance of XXXX, when I tried sending the money my balance went down to XXXX. So I know the money was taken out of my account. I contacted cash app and they told me to give it some time that the funds will be refunded back to the original payment method used. I made this transaction on XX/XX/2024, it is XX/XX/2024 now. My funds have not been returned yet. So I contact cash app today and they keep contradicting what they tell me and then I ask to speak to a supervisor and she says that she is sending me an email for me to upload anything I have that will support my claim. I have screenshots of my balance after the money was taken out of my account and screenshots of the conversation I had with cash app the day of the transaction. I have proof that my money was take. Out of my account. At 1st she said that the money was never taken out of my account and then after I sent her proof that it was in fact taken out of my account, she replied and said that she can confirm that the money was returned. She then instructed me to search my transaction activity that I would see it. Well I have went through every single transaction on my activity page and there is absolutely nothing showing anything about a XXXX payment or refund or any kind of transaction at all after the money was taken out of my account. I then replied and asked her to send me a copy of whatever is showing her that my money was returned to me. Since she can confirm that the money was returned to my account I would like to see what is showing her that the money was returned. She is refusing to reply back to me and she is refusing to send me a copy of proof showing that my money was returned. Cash app has stolen XXXX dollars from me and I want my money back now!
Product: Money transfer, virtual currency, or money service

Zelle has lost my money on multiple occasions ever since then ive seen them update their security questioning before sending money now but its was never like that before so now i get random times where i get multiple transactions from zelle
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX of Late Payment Entries Under FCRA Sections 611 and 623** I am writing for the 3rd time to dispute the accuracy of late payment information listed on my credit report. I believe these entries have been reported inaccurately and request a thorough investigation into these matters as stipulated under the Fair Credit Reporting Act, specifically under Sections 611 and 623. 

XXXX XXXX XXXX XXXX  XXXX Date of alleged late payments XX/XX/XXXX XX/XX/XXXX The payments were made on time. There was no instance of late payment as reported. 

Under FCRA Section 611, I am requesting a re-investigation of the aforementioned entries. Section 623 requires furnishers of information, like XXXX XXXX XXXX XXXX  to provide accurate and verified data to consumer reporting agencies. 

I kindly request that these late payment entries be corrected or removed if found inaccurate. Please complete your investigation within the statutory XXXX period and inform me in writing of the outcome. 

Thank you for your attention to this important matter. I look forward to your prompt response and the resolution of my dispute. 

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

I found an unauthorized inquiry on my Equifax credit report that do not belong to me.
Product: Debt collection

I followed every protocol according to the Fair Debt Collection Practices Act. I sent cease and desist letters within a certain time frame and I disputed the validity of the debt because it is my personal preference to deal with the credit card company directly. Forster and Garbus LLP refused to obey any laws put in place and I've had enough. I made a complaint with the attorney general office with no results. They proceeded to start a lawsuit in XXXX County Civil court despite me following all laws ( under Index # XXXX ). Please keep in mind the reason why the debt was not being paid is because my wife was laid off for about a year and a half and we have XXXX children. Some things had to fall behind in order for me to provide for my family. Now that my wife is working, I was planning on paying the debt, but before I could get an opportunity, Discover sold the account and I've been harassed ever since. They started the lawsuit ( Forster and Garbus LLP ) and never notified me. I found out from an attorney 's office who wrote me asking me to hire them to represent me. Why are laws in place if they do not have to follow them? I am asking you to please help and investigate so they can not illegally try to garnish my wages. Any help is appreciated.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/19 I was approached by my property manager while coming home from work stating that a XXXX gentle told them that I made arrangements with their company to leave court papers with them, it was a court papers saying the debt collector was suing me for {$2500.00}. I never made any arrangements and was never notified of any court dates or papers.
Product: Money transfer, virtual currency, or money service

I am filling 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 efficiently measures to prevent and address fraud on there 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: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late 30 days on payment. Ive attached a copy of my report to this complaint on the payment on the following dates XXXX XXXX XXXX I'm now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your understanding and prompt action.
Product: Mortgage

I have been trying to work out my mortgage with select portfolio servicing for over 8 years now they refuse to give me an accurate accounting on my loan balace, they have refused to abide by the settlement they made with the federal goverment on the loan modification they were required to offer me. A princpal reduction, reduced payments and a at market interest rate. They now have told me my mortgage is discharged and there is only a lien on my property. I have proof of {$42000.00} paid to them which I am attaching. They allowed my home to go through a tax forclosure sale that i had to reedeem. I have attached proof. I have attached proof they ordered my locks changed on my home while i was in bankruptcy and under bankruptcy protection. As of 2 weeks ago the contacted my attorney with XXXX offers on my mortgage XXXX at {$130000.00} at 7.78 % interest with approximately {$100000.00} in princpal reduction the other option {$130000.00} at 3 % interest for 30 years with a {$140000.00} ballon payment at the end of thirty years. This is just bizarre I recived a call from one of there agents and was told i did not qualify for the goverment settlement that it expired and this was the best I could do. I told them that was not true and i was was being lied to again. There continued harrassement is effecting my life and health. This company continues to harass me and will not provide me or my attorney with answers. I dont no where i stand what is going on with my home. I want the lein on my home discharged or a proper mortgage with with credit for all payments made at a proper interest rate with all there phoney fees removed.
Product: Checking or savings account

Unable to access account funds and were told to come back another day. This has been going on for about two weeks.
Product: Vehicle loan or lease

I lease a XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX. I asked Bank of America for a car loan on XX/XX/XXXX which was approved by them. Last month on XX/XX/XXXX I went to the DMV to put the XXXX under my name when they gave me the news that in order to put the XXXX under my name I have to pay the use tax fee of {$3600.00}. I went to the bank and asked why the use tax fee were not pay or why they were not part of the loan. XXXX ( person who helped me approved the loan ) told me to call XXXX XXXX and asked them about the title. I called them & they told me in XXXX that Bank of America was now responsible about the title and the fees. I went again & told XXXX what XXXX XXXX XXXX XXXX told me. As I was handed the forms by XXXX to sign about the loan, I signed a form NOTICE TO PROVIDE FIRST SECURITY INTEREST without being notify by XXXX that I was going to be " responsible to pay all taxes assessed on the vehicle. '' In order to put the XXXX under my name & for me to pay the use taxes, he told me & offer me to Increase my credit on a credit card that I have from Bank of America in order to pay the taxes without paying interest until next year.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a filed a dispute in regards to the incorrect item on my credit report. The dispute letter was sent out around XX/XX/XXXX for a unknown inquiry. It has been well over 30 days and I havent received any investigation Results.