23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I sent my rent payment of {$100.00} through CashApp. Landlord accepted payment but had never used the program before and did not intend to create an account. He wanted payment some other way. I sent a refund request, which he denied because he did not understand the app. He told me to send another refund request. CashApp prevents that. So I sent a payment request for the same amount. When he tried to process that through the app, he was prompted to enter his social security number, which he did not want to do because he did not want to create an account. CashApp FAQs and their customer service rep on the phone said that the landlord does not need to put in a social security number to send the funds back to me. I reached out to CashApp to see if they could manually reset the refund request ( so that I could send it again ) or refund my money themselves. They said that because the landlord accepted the payment, they will do nothing, despite the fact that the landlord does not have an account and has no intentions of creating one.
Product: Debt collection

I was contacted by a company, XXXX, I previously did business with about an unpaid order for a company I had closed in XXXX. While I did make an inquiry about whether this company, XXXX, could drop ship some items after I had vacated my retail location, XXXX apparently opted to ship product to a location I had not occupied for months. When I disputed this order with XXXX, they referred me to a collection agency called XXXX XXXX 

I notified XXXX via USPS on XX/XX/XXXX, to cease communications or to provide proof that this debt was mine. After receiving more notices, I sent them the attached email on XX/XX/XXXX again demanding them to either cease communications or provide proof. No communications came until a letter from XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX. This letter violated my instructions by ceasing communications and did not include any proof. I feel this company sent this letter from their corporate counsel in a veiled way to intimidate me to demand payment for a debt that I do not owe. 

I will be writing a letter of complaint to the CEO of XXXX today as this is now bordering on harassment. 

I also filed a complaint with the CA Attorney General regarding these communications as well. 

Again ... I did NOT order any product from XXXX that is in dispute. I did NOT receive any product from XXXX that is in dispute ( I could not have since I had vacated the commercial location no less than 2 months prior to this shipment being sent ).
Product: Consumer Loan

There is a large discrepancy between what I am paying and the amount that is actually being applied to my principal amount. Due to Capital One 's online payment options, you can only pay from one bank account a day, because of this I scheduled two payments from separate bank accounts that sum up my total monthly payment. From that amount less than {$80.00} went to principal! That is unacceptable!
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 the 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.

Please remove the following items from any credit report, immediately : XXXX
Product: Checking or savings account

I initially have {$1500.00} in my account with Bank of America to avoid monthly maintenance fee. The bank however charge me {$12.00} to get the account below the {$1500.00} threshold and then continue on for the next two months to keep charging me {$12.00} per month because the account was below {$15.00} minimum for the account maintenance fee and they refuse to refund. I think this is a very predatory practice. Please fine them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to lodge a formal complaint against American Express Company for their consistent and egregious violation of my consumer protection rights. Their disconcerting pattern of presenting resolutions and subsequently failing to enforce them has severely undermined my confidence in their ethical conduct and commitment to regulatory compliance. 

Issue at Hand Account Details : Principal Name on the Account : XXXX XXXX Severe Impact on Credit Profile : The gravity of the situation can not be overstated. American Express 's repeated negligence and disregard for my consumer protection rights have directly contributed to a precipitous decline in my credit profile. What was once a stable credit score of XXXX has plummeted below XXXX due to their actions. This adverse impact compromises my financial standing and casts doubt on American Express 's commitment to consumer rights and regulatory adherence. 

Pattern of Broken Promises and Credit Consequences : Throughout this ordeal, American Express 's pattern of proposing resolutions, only to renege on their commitments, has inflicted irreparable harm. This sequence of events has not only revealed negligence but has also underscored the severity of their inability to fulfill their obligations, resulting in the compromised state of my credit profile. 

Possible Violations Potential Violation of Fair Credit Reporting Act ( FCRA ) : The sustained presence of erroneous and detrimental data on my credit profile, despite their proposed resolutions, could constitute a violation of FCRA Section 623 ( a ) ( 8 ), which mandates the prompt correction or removal of inaccurate information from consumer reports.

Potential Violation of Consumer Financial Protection Act ( CFPA ) : The persistent pattern of proposing resolutions without subsequent enforcement, combined with negligence in upholding cease and desist orders, might constitute a violation of CFPA Section 1036, which prohibits practices that are deceptive, unfair, or abusive.
Product: Mortgage

In the middle of XXXX I requested a loan modification, due to getting hurt on the Job and I started to receiving XXXX benefits. I went through the trail period and successfully completed. According to Quicken loans I was late for the Month of XXXX XXXX and XXXX XXXX. Which was not true, They instructed me NOT to pay for those two months, and the proof are in the recordings. Please instruct Quicken and Loans to please provide all phone recording from XXXX XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

The presence of this account has caused me significant distress, even affecting my ability to XXXX. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Credit reporting or other personal consumer reports

Violation 15 U.S. Code 1681i - 1st violation- Reporting inaccurate information with malicious intent. You have been provide with identification for this field and have fails to update it on numerous occasions. You have prolonged the dispute process while not once running an accurate dispute or reviewing dispute information. Delete, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX  have all been disputed correctly at XXXX and removed from my file as the do not belong to me 2nd violation, willingly ignoring CFPB information as further negligence toward file.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item are being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Product: Checking or savings account

My insurance company issued me a refund {$760.00} on XXXX XXXX and the funds will clear XXXX hours..I called navy federal on XX/XX/23 they told me I had a balance of - {$19.00} but they saw the pending refund for {$760.00} ..then I called back XXXX XX/XX/23 and navy federal tells me I cant access my funds until they subtract {$530.00} from a temporary credit reversal thats due to reverse on XXXX.which they say is when they would be finished their investigation.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. The thirty days for this dispute to be handled is passed. I have records showing my contact with you. I am requesting that my dispute is handled immediately and that the inaccurate item from my original request be updated. 

XXXX XXXX
Product: Debt collection

CREDIT COLLECTION SERV, is attempting to collect a debt that does not belong to me, I have never done business with this company or their original creditor insurance. I believe this is Fraud.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX  I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Debt collection

The company said they would send a settlement offer letter stating that my payment would mean that my account is then resolved in full. The settlement letter only has the agreed amount. Not the full settlement agreement. With their vague verbiage in the letter, I am still liable to be pursued for the remaining balance. Therefore, defeating the whole purpose of a settlement letter. I spoke with the original lender XXXX XXXX and asked to receive a settlement letter and was told they DO NOT send letters stating that the account would be paid in full if I make a settlement payment. They clearly stated that they would only send a letter AFTER I submit a payment. Again, that leaves me at risk for the company to then pursue the remaining balance. My rights per the Fair Debt Collection Practices Act are being violated as I am entitled to receive a proper settlement letter. Both XXXX XXXX and QCS are failing to provide a clear and complete written agreement. I am willing to settle and want to settle but want a full written settlement agreement letter to be provided so that both parties ( XXXX XXXX/QCS and I ) are protected and that there are misunderstandings and miscommunications. I have provided my current address ( as poor efforts from both companies were made ), I have provided my current phone number and numerous phone call attempts, conversations with management and so far both companies have been uncooperative and misleading.
Product: Debt collection

Recently after checking my credit reports, i found out that Clark County Collection Service is reporting a collection account in the amount of {$490.00}. 
I sent a letter to them via XXXX on XX/XX/XXXX certified mail requesting validation of debt pursuant to FDCPA. ( Certified letter tracking number XXXX ) They responded to my request for validation of debt with letter dated XXXX, XXXX 2019. 

There are few issues with there response. 

1. They said that i have been notified about this debt on XX/XX/XXXX, which is not correct i havent been notified about this at all. 

2. As a Validation of debt they sent a statement/bill from NV XXXX which is not enough to validate a debt. 

3. The bill sent to me as a Validation has my name on it but has unknown address on it ( XXXX XXXX grand canyon ... ) this is not my address. 

4. According to this bill the balance owed is {$620.00}, but they are reporting this account with credit bureaus as a collection account in the amount of {$490.00}. 


This is a Clear Violation of FDCPA and FCRA Please see said Validation Request letter attached along with there response letter
Product: Debt collection

On XX/XX/2018 I noticed a Collection account that had appeared on my credit report on all three credit bureaus. It was opened by Diversified Consultnts. To which they said I owed them {$250.00}. original company XXXX. I have disputed this matter by certified mail on XX/XX/18 and XX/XX/2018 in which both response from them was a copy of a itemized bill.
Product: Checking or savings account

My accounts were abruptly locked while I was in XXXX, despite being assured that I did not need to report that I was traveling outside the United States, effectively stranding me on another continent. USAA refused to accept any proof of my identity, and every time I would give them what they were asking for, they moved the goalposts and refused to accept exactly what they told me they needed. 4 days later, they are continuing to give me the runaround and refusing to resolve it in a timely manner. They are refusing to give me any information. At this point I have already submitted my passport as proof of identity, and they will not fix the issue. I have zero access to my money until they do.
Product: Bank account or service

Bank of America committs felony and owes me XXXX XXXX dollars, using a fictitious name, my name is XXXX, not & gt ; XXXX, which identifies something not living, This legal notice being sent and delivered to you persuant to Florida Statutes 48.081 NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS XXXX in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 

GLOSSA meaning ; written by supreme court judge XXXX, 3. There are two reference books called similar names ( sound familiar? ) -- - One is the XXXX, a popular style guide used widely by newspapers and other publications to provide uniform guidelines and standards for reporters and other writers ; it is a large reference book similar to a dictionary or thesaurus. The other is The XXXX, with an " s '' which is a much smaller and more limited publication the size of a larger format paperback book, that deals with the subject of " styles '' or " stiles '' ( British ) exclusively. The most recent edition I can find is 1948, though there may be more recent editions. 
Both of these publications adequately explain what the Glossa is, as does Black 's Law Dictionary. The earlier versions of the American Bar Association guides to legal style and usage also plainly state that the use of all capital letters denotes either a corporation or a dead man 's estate. 

also by judge XXXX ; XXXX = a living American endowed with all his natural rights XXXX XXXX a foreign situs trust used in commercial shipping XXXX = a foreign estate trust XXXX XXXX a public transmitting utility company XXXX XXXX a public foundation XXXX XXXX a cooperative XXXX = a boat or ship used in public commerce XXXX = a commonwealth trust XXXX = a slave owned by XXXX XXXX = a foreign pauper forbidden to own land XXXX = a taxpayer XXXX = a soldier XXXX = a slave There are dozens of different potential meanings that can be arbitrarily assigned to anyone 's name and used to " represent '' radically different entities. In a verbal conversation we can talk all day long about someone or something named " XXXX '' and which XXXX or what kind of XXXX will never be known, except from the context of the conversation -- but on paper the use of such a system instantly defines what or whom is being talked about -- if you know the system
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXXXXXX Balance : {$260000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity downtown XXXX and they was using my name to order different things get an apartment and they spent all the money on my debit card and credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT HAS VIOLATED MY RIGHTS ; XX/XX/XXXX CARD ACCOUNT NUMBER : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XX/XX/XXXX check # XXXX in the amount of {$20.00} was mailed to Florida XXXX XXXX XXXX. 
Somewhere along the way the check was compromised and re-written to a XXXX XXXX in the amount of {$9300.00} and cashed. I immediately went to TD Bank to report this act of fraud and closed my account. A new account was opened. TD Bank did not offer any temporary checks or cover costs of new checks. A Police report was taken by the XXXX XXXX Police Dept. Case # XXXX. 
XXXX XXXX with TD Bank ( XXXX ) XXXX sent a letter on XX/XX/XXXX stating that TD is looking into the case and that it could take 120 days or more for the " other '' financial institution to make a decision on returning my money. No other communications have taken place with TD Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early warning XXXX refuses to send me my consumer reportI was. I was lied to multiple times by multiple representatives. I will never call that place again because I do not feel comfortable giving my personal information to proven Liars. Two Representatives refused to get a supervisor. they refused to contact the department where I sent the faxes. they sent me a letter claiming that the id copy was smudged and that I should call them or resend the fax. 
This is more of an inconvenience and insult because they clearly saw the attachments that I provided with my first cfpb complaint # XXXX where My identification was clear. 
I faxed them yesterday a request for them to send me my Consumer Report. They have had the attachment of my identification for a week yet they still refuse to send me my consumer report. again, I do not feel comfortable calling them or faxing them anything else regarding me because I was lied to and I can prove it. they should send me my Consumer Report because they clearly see my identification and I will attach it to this complaint.
Product: Student loan

My school and state, XXXX XXXX XXXX XXXX XXXX, were apart of the XXXX state lawsuit against Navient for predatory practices with private loans. I was attending said school during XX/XX/XXXX to XXXX of XXXX and had private loans with XXXX XXXX who were later transferred to Navient. I never had my loans dismissed as the settlement agreement stated and still are paying them. I have reached out to them on numerous occasions without any reason why they weren't dismissed when I meet the criteria for dismissal. All payments that I have made over the course of the past XXXX plus years have only went to interest and my payoff date and amount continues to increase.
Product: Debt collection

After noticing fraudulent accounts on my credit report, I filed an Identity Theft report with the FTC which is a Federal Law Enforcement agency. I sent a copy of that report and a letter to each creditor that opened an account through Identity Theft. As a result, all but 2 creditors honored my request and information and removed my liability for the debt. XXXX XXXX and Diversified Consultants continue to report the fraudulent debt and demand payments. A representative for Diversified Consultants acknowledged that the email address on file did not match  mine and was the first and last name of another individual ( XXXX XXXX ). They are claiming that my social and birth date opened this account therefore its a valid debt. The selfishness and lack of consideration by both companies is causing me continuous stress and I'm a victim of someone else 's wrongdoing. I followed each step legally and I believe these companies are responding illegally. They are attempting to make a profit by continuing to hold me accountable for someone else 's debt.