23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Our house had damage by water leaking from the toilet on the second floor. We requested for help from the XXXX XXXX XXXX XXXX. They assigned XXXX XXXX services to do the repairing. XXXX XXXX technician came to our house once. and left right after 5 minutes. He did not do or say anything to us. We thought that he might need more equipment to finish, but no, he had never come back. We had to contact the XXXX XXXX XXXX XXXX again. Ofcourse, several time contacting, The insurance company found out the reason from XXXX and request us to having the Asbestos test for that damage which was required by law. That Asbestos was not absolutely not covered by The home warranty ins. We had to request XXXX- our home involved. XXXX XXXX  had their carrier come to our house to dry the house, opened the walls from 1st floor to 2nd floor to do the asbestos test. The test was negative. I contacted XXXX again and again asking them to come back to our finish the job such as repair the toilet and put the wall back to normal. XXXX had never come back since then. We could not leave the toilet leaking and the wall opened forever, We had to pay for the different plumping service to finish the whole thing. However, XXXX kept sending us invoice {$75.00} copay, even they did not do anything. How could we pay for that bad service?. It is not fair at all to pay for a company as XXXX. Recently, we received a notice from A.R.M Solution Inc., a collector agency. Please help us to dispute this debt. Thanks
Product: Mortgage

On XX/XX/XXXX we originated our mortgage with XXXX XXXX   XXXX  and used their finance company and insurance provider. Shortly after closing we switched from their insurance company to our own, XXXX and noted the loss payee as we signed at closing. 

The loan was transferred to RPM servicing sometime in XX/XX/XXXX. Although we have submitted our insurance 3 times now ( twice through their insurance site XXXX ) and once direct from our agent, they still had the nerve to charge us {$2900.00} for forced place insurance on XX/XX/XXXX. This is no accident. These people are incompetent and I will not stand for their forced place insurance when we have valid insurance from XXXX on our own. 


Attempts to reach by phone are pointless as you go through a phone tree and never get to speak to a person. 

Page 5 of the attached policy will show the policy is legitimate and valid and properly assigned.
Product: Debt collection

On XX/XX/22 I received a phone call from XXXX at XXXXXXXX XXXX, I called back at XXXX. They left no voicemail and I've received no letters from them. It took several minutes just to get the caller to name the original debt which they state is from Uplift Inc to the tune of {$500.00}. I have not received any communication from Uplift for over a year. I told them I wanted verification of the debt and the woman argued that I needed to provide her a reason for my dispute so that they could provide verification of the debt. I reminded her this is not the way that it works. I am allowed by law to request a verification from a debtor, especially XXXX I haven't heard from an over a year and I don't have to provide a reason, they are required to provide it. This went back and forth for a minute with the debt collector arguing with me when I told her I am a legal assistant, it is the law they have to provide me validation in writing and that Alaska is a XXXX party state for phone conversation recording she ended the call. I don't believe I owe this debt but, I also believe it's a violation to try to 'talk ' people out of requesting verification. There is nothing in the law that requires I give them the reason for my dispute prior to reviewing what they allege to have. For all I know this lady is a scammer given the odd fact that an entirely different company called me for the same alleged debt that very same morning and couldn't rationalize why I had XXXX debt companies calling me on the same day for the same amount of money from the same creditor.
Product: Money transfer, virtual currency, or money service

JPMorgan Chase from XXXX XXXX failed to provide safe guards, prevention, and protection against fraud for XXXX  payments.
Product: Credit reporting or other personal consumer reports

Personal Statement for CFPB Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN : XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX, Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : -Attached below are supporting documents -Formal Dispute Letter Detailing My Complaint -Copy of US Driver License ( Proof of Identity ) -Copies of a Paystub & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Checking or savings account

On XX/XX/2022, I attempted to complete a XXXX XXXX of {$100.00} from my account to my daughter. The bank froze my debit card for possible fraud. I reached out to the fraud department as well as several other representatives at the bank and no one is able to help because they have the incorrect telephone number. I am placed on hold for long periods just to be told they cant help or they will call me back. No one ever calls back. I explained to the bank that I cant come to the bank in person because I am now in Wisconsin and there is no Region Banks in Wisconsin. I explained that I have XXXX and I XXXX XXXX. The banks system is not able to generate security questions to confirm my identity, which has nothing to do with me. My social security is my only source of income and without this income, I am not able to pay my rent in Wisconsin or pay co-payments for my XXXX medication. At this point, I am in desperate need of assistance so I can be able to take care of myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account on my report does not belong to me and I disputed it but was unfairly resolved against me AMSHER COLLECTION SERVICES AC # XXXXxx REPORT NUMBER XXXX  XXXX-XXXX-XXXX
Product: Debt collection

I settled with the attorney that represented XXXX XXXX XXXX, XXXX XXXX on a debt I owed. Patenadue & Felix represented XXXX XXXX and never notified their client and XXXX is still showing a negative account impacting my credit rating and obtaining a new job.
Product: Debt collection

This was during the Pandemic lockdown and I had to go the XXXX XXXX XXXX for XXXX and my XXXX XXXX  was injured and Im XXXX XXXX  so the XXXX XXXX XXXX filled out my paperwork for insurance reasons. The paperwork had errors on it and the paperwork was kicked back to the hospital from the insurance company and with notes The insurance company told the hospital what information was missing or wrong and then to send it back! Thats the standard procedure.. This information was not made available to me to fix or figure out? So the hospital failed to fix the errors and failed to reach out to me and just kept the documents and ignored instructions to fixing it and just put it aside a then made me responsible for the XXXX XXXX and everything else and made me reliable for the fees out of pocket and I had insurance and have insurance and told them that and the hospital failure to fix the errors that there job. I had no idea I had this issue and it has put a huge dent ony credit report and I am not responsible for the XXXX cost my insurance company paid it also this account was sold to a third party collector so the dept is all ready paid off and the collector forfeited there right to collect my buying the dept and that paid the dept off.. This is unfair to put this one the collector knows the situation but continues to willingly knowingly provide false information about a credit bill i have no idea about and wasnt my fault they did nothing to fix the errors. And this has been reported to my credit report amd its very damaging to have {$3300.00} collection with delinquencies that are not true and it has caused major credit issues for me
Product: Debt collection

This company has reported false information on my credit report and is risking my credit worthiness. This debt i have no knowledge of and the company has tarnished my credit worthiness. I demand these fraudulent accounts to be removed or further action will be taken.This company is penalizing individuals as myself that have nothing to do with there negative tactics of accusing consumers of debt THAT I DO NOT OWN .Other complaints have been filed and i will continue to press forward reporting this awful company!
Product: Mortgage

I have paid all of my escrow payments to my lender ( Lakeview Loan Services ) however, they missed paying my taxes that were due in XX/XX/XXXX and my home insurance due XX/XX/XXXX, I discovered they failed to make these payments even though they had more than enough to make these payments in my impound escrow account in early XX/XX/XXXX when my home insurance company contacted me the if I failed to pay they were going to drop my insurance and a day later when my lender sent me a letter that if I failed to pay the insurance they would purchase higher cost insurance. Mind you they were supposed to pay this payment in XX/XX/XXXX. 

I paid my insurance and contacted my lender early XX/XX/XXXX about both issues and was told they would fix and pay me back. Later XXXX I noticed they still have not paid either the taxes or return my insurance payment I contacted them again and spoke to a supervisor, yet nothing was done. At the end of XXXX I contacted their insurance section which they finally paid my insurance ( not to me, but to my insurance carrier ) on XX/XX/XXXX, and transferred me to to a supervisor to pay my taxes. They told me since I was thinking about refi the loan ( with their company ) that I had to send a request to remove the " Netted Payout '' hold even though I stopped the refi back in XX/XX/XXXX. I complied on that day XXXX XX/XX/XXXX ) however they still did not pay my taxes. Again I contacted them on XX/XX/XXXX and talked to another supervisor who said they would look into it XX/XX/XXXX saying they could not take anything out of escrow, yet they could take funds out of my escrow for the insurance. Does not make sense but that is what they said. 

As of today XX/XX/XXXX they still have not paid my taxes or the fines and late fees. My next tax payment is due in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have XXXX accounts on all equifax, that are not being verified correctly and have failed to meet the XXXX XXXX Codes and XXXX reporting standards. The credit monitoring companies are claiming to have verified the information, but after speaking with each of the creditors and they can not verify being contacted for verification of these accounts and can not verify the accounts with myself. These accounts have been requested to be removed from my report but the XXXX credit reporting agencies are not following these requests from the creditors. 

The accounts are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are currently in litigation for identity theft and i am waiting for the police reports to populate with the results of these findings. I have an FTC XXXX ticket open with these accounts listed and tied to the police reports.
Product: Debt collection

I owe a balance with XXXX. Due to some financial issues I was not able to make my monthly payments. They had contacted me and I had explained the situation to them. After that they had contacted my place of employment and I involved them that I can not take personal calls at my job. After that I spoke with them again and I told them I could make a payment but not until I got paid. They told me that they needed a payment sooner than I could pay them then stated that if I didnt set something up they would preceed to garnish my paycheck. They then called my job once again at this time I had changed locations and they called my new location and once again I told them I cant take personal phone calls. I had spoken with someone who stated that my file had a status not to contact me and that I would have to contact them. Needless to say a few days later they contacted me again. I understand that I owe a debt and I am willling to work with them to pay it off but I would like the phone calls to seize. They stated my account is in legal status I said I could make a payment but they said it wouldnt be enough. I think that some type of payment is better than no payment at all.
Product: Money transfer, virtual currency, or money service

XXXX  months ago, I was asked to verify my identity on Coinbase. After submitting both my drivers license and passport, I keep receiving errors that my DOB on these IDs don't match my profile. The guidance is to update my DOB on my Coinbase profile before I can be verified. However, there is no option to update my DOB ( you can edit all other fields except the DOB ). I've tried this across 3 different devices and all 3 show I'm unable to update this. I've been dealing with this issue for 3 months and have been in contact with customer service for about a week. No one is able to finalize my identity verification and I've tried to upload my IDs close to 20 times. In fact, one Coinbase customer service rep confirmed that my DOB on my profile matches what I've uploaded in my IDs and yet I'm still locked out. This means I'm unable to buy or sell my $ XXXX in assets. I'm now just getting repeated responses from their customer service to retry my identity verification when that's clearly not working.
Product: Credit reporting or other personal consumer reports

XXXX charged off and assigned my debt to a law firm. I worked with the law firm to agree on a debt settlement agreement. I paid the agreement. They sent me a copy of my debt settlement agreement. The settlement was completed XX/XX/2024. XXXX is still reporting my account delinquent when it should report no balance this account is settlement paid for less than owed. Instead XXXX is reporting to the credit bureaus that I made a payment but that I still owe the rest of the balance. When I contacted XXXX  they refused to work with me, they said they could do nothing for me even though when I called the law firm they said they showed my account settled and that I dont owe anymore. I have a copy of my debt settlement agreement but XXXX keeps denying it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Transunion are both in violation of licensing law, debt collection laws, credit reporting laws, and federal trade & privacy laws. They are furnishing and storing invalid, unverified, private and personal information at a huge risk that could be damaging, threatening and in a way cause loss or injury to I the consumer. I demand the CFPB as a fiduciary and regulatory agency investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCOUNT- {$91.00} dollars has been sent to collection for a time period I was never a member. This is fraudulent and needs to be removed ASAP. XXXX previously agreed to remove this amount and never took care of it.
Product: Debt collection

I suddenly see an account in collections on my credit report which has not appeared as an open account for a minimum of 5 years of checking my report. Also, I have not been contacted by the originator or the collection agency regarding this debt - it simply appeared on my report out of nowhere. This account only appears on   XXXX   - it is not listed on  XXXX  or  XXXX .
Product: Debt collection

Debt was paid in full XX/XX/2021 Im requesting removal of collection account on my credit profiles XXXX XXXX and XXXX immediately upon receipt of this notice
Product: Credit reporting or other personal consumer reports

I have review a copy of my credit report and I have found fraudulent inquiries on my report. Please remove this fraudulent inquiries from my credit report. They are hurting my ability to obtain credit.
Product: Credit reporting

Experian credit bureau reinserted the XXXX account back on my credit report after it was already deleted. The account is not mine and needs to be deleted from my file.
Product: Debt collection

Over the past few years I have been fighting with these agencies to properly verify these debts of XXXX ( two debts ) and XXXX with this XXXX account on my credit report. I sent a verification of debt to XXXX which they responded ( see attached ) These companies have yet to remove this debt from my account. Nor did they conduct proper investigations on these accounts because XXXX couldn't even validate them. 

I am requesting immediate removal of these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : $ {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

MRB BPO LLC has filed a collections for {$110.00} for " overdue debt from XXXX  '' at an address that I have never lived at nor had a lease. I have requested detailed information from MRS BPO LLC on the alleged debt and they did not provide any details. I called back and requested details again and they hung up. I have contacted the property management company for the apartment complex at the address and they have provided proof that I have never lived there. I have filed a dispute for this collection acquisition with XXXX, XXXX, and XXXX- the documentation from the apartment complex was attached to the disputes as supporting data. XXXX and XXXX have completely removed both the collections due as well as the associated address for the collection claim. My credit report is now accurate. I am filing this formal complaint against MRS BPO LLC in order to re-submit my dispute to have the fraudulent collections removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

On XX/XX/XXXX I sent a dispute letter to Victoria Secret, Comenity Bank, and all 3 credit bureaus regarding an account that was opened in XXXX. XXXX  is still the only credit bureau listed on my credit report while XXXX and XXXX  has since deleted this inaccurate information from my report the first time around. It is well over 30 days and there is still 15 inaccuracies on my report which hasn't been updated or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries that I dont recognized tried to get proof from credit companies and still on my reports XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
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 violates 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 resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations