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

I am writing to formally address some concerns regarding Zelle 's handling of disputes, and the current lawsuit going on against them. As someone who uses Zelle all the time and has had false claims, I will like this issue to be resolved soon as possible.
Product: Credit reporting or other personal consumer reports

I discovered inaccurate details on my credit report, in violation of 15 USC 16c-2. The information is incorrect and negatively impacting my credit score.
Product: Bank account or service

On XXXX XXXX, 2015 I contact Navy Federal Credit Union regarding fraud from XXXX and I was explain that they will cancel my Navy Federal Credit Union and will expedite me another Bank Card Via XXXX. I called today XXXX XXXX, 2015 I was informed it mailed out regular mail and were they can not trace nor tell when I should expect it. Navy Federal also explain that XXXX check of mine has been return and they do not notifty the payee that it not enough fund in the account. So they allow the payee to keep sending thepayment while they keep charging me {$29.00} XXXX times and they its not enough funds theaccounts. Along the fees from the vendor I also owe them {$29.00} for the XXXX transaction. 
Can tell me is this the Navy Federal Credit should treat their customer. I 'm still awaiting a response regarding the fraud at XXXX XXXX XXXX they just the take my money.
Product: Mortgage

I called Specialized Loan Servicing , LLC in XXXX about a Forebearance Plan. My Mother was placed in hospice care, in house, in XXXX and I am her primary caregiver. My income was compromised with my need to be home with Mom. A Forebearance plan would allow me to retain the house as long as Mom needs it. SLS sent me the paperwork to apply for a Forebearance plan which I promptly filled out and sent back. About a month later I received a robo-call that they needed to speak to me. When I called I was told that they needed more documentation which I emailed to them that day. A few weeks later I received another robo-call. I called back and was told they needed more documentation, the same ones I emailed earlier. I sent the information again. Last week I received yet another robo-call. I called back XXXX XXXX and talked to XXXX. She said that they needed the mortgage information on a house we rent for summer rentals and rental agreements for next summer. I told her there was no mortgage on that property and that we had as yet to get any rentals for next summer. She said that I had to prove that there was no mortgage. I asked her how she thought I could prove a negative, that my grandfather had bought the property in XXXX for cash. She said I needed to go to the 'County Office ' to get a HUD certificate. Now, HUD was n't created until XXXX and the certificate XXXX was talking about was n't enacted until XXXX. When I told her that no HUD certificates are recorded at the Registry of Deeds and that there was no way to get any certificate since it did n't exist, she said that my application would remain " pending '' until I could produce it. A Forebearance plan does n't change the mortgage except to move the end date. Technically, they should even need this information. 
So, this means they have no intention of giving me a Forebearance plan since they obviously have no intention of processing my application. This is not an isolated case. On the website XXXX there are a number of similar cases resulting in foreclosure before the modification files are closed. 
We bought the house in XXXX, XXXX, not with SLS, with the plan to sell a condo and pay down the mortgage to {$80000.00}. Due to the mortgage crisis and recession we were unable to sell the condo for two years at a loss. We paid down the mortgage but not to the figure we planned for. We 've been making our payments faithfully to the detriment of savings and retirement accounts. We have come to the point of no longer being able to do this. 


.
Product: Debt collection

I have no knowledge this account of fraud And this Is a fraud account I want account Removed and I want to seek for Monetary Relief due to this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give this company permission to view my consumer report. 

XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

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 offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to 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 consult with my legal counsel for suit. 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 this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the 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, 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 financial inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Because they failed to validate the debt in the timeframe allotted according to the FDCRA and other applicable laws this item was legally deleted from my file. After my wife filed a claim against them with CFPB stating that had failed to validate her debt and therefore should remove it from her credit report, they in turn RE-INSERTED the erroneous information on my credit report on XX/XX/2016. Select Portfolio Servicing has worked overtime to ruin our life with their fraudulent reporting. They have further sought to even comply with the law in reporting to the credit bureaus and have cause me irreversible harm.
Product: Vehicle loan or lease

I am writing to the CFPB today requesting assistance on receiving information regarding a debt I have with Prestige Financial. I financed a vehicle through this company at a 21 % interest rate for almost {$35000.00} back in XX/XX/XXXX, soon after my Bankruptcy was discharged that same year. I lost my job in XX/XX/XXXX and they were unwilling to work with me, payments wise, until I got another job. The vehicle was repossessed in XX/XX/XXXX and was sold at in auction for {$12000.00}, leaving roughly a deficiency balance of {$23000.00}. They continue to charge an interest rate of 21 % on the balance owed and my paycheck has been garnished off and on for more than a decade, for this vehicle that I have not had since XX/XX/XXXX. I have asked on numerous occasions, for an itemized statement showing my place payments made and interest. In addition, I have asked for the balance owed, a copy of the original contract and other pertinent information regarding this loan balance and I have not once received anything from Prestige, except what is listed on the Garnishment paperwork, every time they resubmit the continuation of garnishment through the courts. On multiple occasions, they have told me that they would provide the information I have requested and yet, have received nothing. Prestige has called and harassed me at multiple places of employments and have went as far as lying to coworkers to obtain information for garnishment purposes. I feel that I am being and have been, taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX and VW CREDIT. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX and VW CREDIT with no successful resolution. There was definitely an error on their part
Product: Credit card or prepaid card

I was a victim of fraud. I was in the hospital fighting for my life for almost XXXX years. I have the paper work to prove this. A relative of my mine opened up XXXX credit cards in my name without permission. I do not want to be held responsible for these account. I have supporting document from the XXXX  supporting my claim.
Product: Credit reporting or other personal consumer reports

I been having problem with the company I can't frees or unfreeze my credit report online I have mailed and upload my idea and SSN card and they still don't want help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report immediately. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely manner. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXXXXXX Closed : XX/XX/XXXXXXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX / XXXX {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX / XXXX {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ XXXX {$530.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ XXXX {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ XXXX {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) XXXX XXXX/ XXXX {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) XXXX XXXX/ XXXX {$2000.00} XX/XX/XXXX ( 4 yrs, 6 mos ) XXXX XXXX/ XXXX {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX/ XXXX {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX/ XXXX {$3000.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX/ XXXX {$3100.00} XX/XX/XXXX ( 6 yrs, 6 mos ) XXXX XXXX/ XXXX {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) XXXX XXXX/ XXXX {$3500.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ XXXX {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) XXXX XXXX/ XXXX {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ XXXX {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ XXXX {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ XXXX {$4600.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX {$4700.00} XX/XX/XXXX ( 1 yr, 6 mos ) XXXX XXXX/ XXXX {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ XXXX {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ XXXX {$7200.00} XX/XX/XXXX ( 3 mos ) XXXX XXXX/ XXXX {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ XXXX {$9200.00} XX/XX/XXXX ( 8 yrs, 2 mos )
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC section 604 ( A ) sec 2 a consumer reporting agency cant furnish my account without my written consent. I have a charged off account from Celtic Bank / Continental Finance XXXXXXXX XXXX XXXX XXXX, NY XXXX. Under 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report under certain permissible purposes, such as a valid application or an account review. I assert that there is no permissible purpose for the reporting of this charged-off account under my credit profile. Therefore, I demand that this account be deleted from my credit file immediately. Additionally, I request that you provide me with the following documentation to substantiate any claim of permissible purpose : 1. Evidence showing that I consented to or authorized this reporting under the FCRA. 2. Any agreements or contracts that prove a legal basis for the continued reporting of this charged-off account. If you can not provide adequate documentation, this account must be removed from my credit report without delay. Please consider this as a direct dispute and take action to correct this inaccurate reporting within the timeframe stipulated by federal law.
Product: Debt collection

Debt CollectionMy sister sent me a recorded message from a XXXX XXXX that threatened to serve her court papers at her home or job regarding allegations against XXXX XXXX for issuing worthless checks. I call the number, the representative answer the phone and she immediately asked me the name of my attorney and the attorney 's phone number. I attempted to request information on what the debt was for. The Rep said it was for finance charges for a payday loan. The debt was for Finance Charges for an online loan taken out in XXXX 2011, and that the company was fully prepared to press charges to the fullest extent of the law with Felony Theft Charges if the debt was not resolved. I asked what company and she said XXXX XXXX. She offered me a deal to pay that day but I explained that I had no money and an eviction notice in my apt . I offered to set up an auto payment for XXXX XXXX, since XXXX that elect XXXX pays get a lump sum on that day. She told me to call back. When I called back she said the company said no. They wanted the money right then and will press charges for Felony Theft to the fullest extent and Fake check writing charges which could have fines in the XXXX of dollars and up to 10 years in prison. They would send that info to the circuit courts and I would have a warrant issued. 
She said the sent letters and emails notifying me of this situation. The letters were sent to and old address XXXX XXXX XXXX XXXX, FL XXXX. I told her that I have not been at that address for years. She said Check you email. I explained to her that I had and I did n't find anything. I then requested some kind of documentation of the debt. I said, " would you please send me a copy of the debt? '' She said, No they wo n't cuz that would give me another 90 days and the company is prepared to file charges. If I could at XXXX. That day they would press charges for over XXXX in finance charges. I then requested a web address and account number so that I could at least look up the debt. She said, " no they did n't have XXXX because they are working for the attorney office. " I then asked if she be able to send it to my phone via text. She said, No, that they would not send anything. That I just needed to pAy the debt. I asked her if there was anyway I could verify the debt and that I am not refusing to pay it if I owe but I need to make a payment setup plan and I needed to make sure the debt was legitimate. She said no that they would n't send me anything. I then told her that I would have to get back to her. 

XXXX We received Arrest warrant against your name under ACT XXXX ACT XXXX ACT XXXXKindly call as soon as possible before the case is downloaded into the court XXXX order to get brief information about the case before you have any trouble atyour home or job. 
XXXX XXXX # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$1000.00} DEPT OF ED/XXXX  XXXX {$4100.00}
Product: Credit card or prepaid card

On the night of Friday, XXXX XXXX, Ive received an alert from XXXX XXXX that Ive received an hard inquiry on my credit score. When I proceeded to check on it, there was a notation that credit was opened at TDBank/Target for an unknown amount. Saturday morning XXXX XXXX, Ive contacted XXXX and TD Bank and yes, it was true. An alert was placed on my credit record as per XXXX Saturday I was contacted by Target Customer Services asking if I have opened a credit card from them? I told them that I did not and was told that the transaction was not approved anyways. They were alerted by TD Bank of what was happening. I have also contacted my bank to make them aware of what was happening. The person apparently had my correct Driver License number and my social security number but no email on file I was told by Target Customer Services.
Product: Credit reporting or other personal consumer reports

I have recently submitted multiple disputes the most recent one with tracking number of XXXX XXXX XXXX XXXX XXXX XXXX This was opened and closed in a matter of 2 days. On at least 6 different occasions equifax has done this to my disputes and refuses to opens them and proceeds to violate my rights. I provided with the disputes a photo id and proof of utility bill there is no reason that they should continue to be closing my disputes without investigating them with the companys. What equifax is doing is illegal and they continue to engage in this illegal activity over and over again. I am simply asking for the inaccurate items on my report to be disputed and investigated properly. Please see the attached proof where the company continues to open and close my disputes without investigating.
Product: Debt collection

On XX/XX/XXXX & XX/XX/XXXX XXXX Received calls from XXXX XXXX Senior Associate at Atlantic Recovery regarding an urgent matter ( I do not have any debt in collections ). Phone number shown on phone XXXX. When I researched this phone number the owner is XXXX XXXX XXXX in XXXX. XXXX 's messages said to return call at XXXX extension # XXXX.
Product: Checking or savings account

Hello, My wife and I were robbed out of a {$400.00} account opening bonus from Citi bank. I opened the account on XX/XX/2020, and followed all of the required activities to get the opening bonus. The required activities are attached for reference. 

While we were waiting to receive the bonus, after depositing over {$15000.00} in the account, we got notice that one of the accounts was being closed because we chose to put all the money into the savings, not the checking. I called Citi Bank to make sure that this would not impact our ability to get the {$400.00} bonus and the person I spoke with assured us it would not, citing the " Cash Bonus '' section of the attached XXXX document. Which says, " The Cash Bonus will be credited within 90 days from the date you complete all Required Activities. At the time the Cash Bonus is paid, it will be credited to the new Eligible Checking Account. If the Eligible Account is closed, then the Cash Bonus will be credited to the Eligible Savings Account. XXXX accounts must be in good standing. '' Sure enough, when the time came to pay up, they did not. That is when I started calling and spoke with XXXX XXXX XXXX XXXX who said we are correct and will get our bonus, then we didn't. XXXX XXXX XXXX XXXX, who said he couldn't find the promotion. Then XXXX XXXX XXXX XXXX XXXX, who said she would look into it and call me back and never did. 

Finally, I got a series of denied promotion letters saying that the reason we didn't get the promotion was that " We show that Checking Account number XXXX was closed on XX/XX/2020, therefore the account is not eligible to receive {$400.00} in fulfillment of Promotion XXXX ''. 

And that was it! They didn't follow their own rules and deposit the cash bonus in our other savings account. I feel like we were lied to, pushed around, passed around, told we would get it, did everything as we should have, double-checked, and STILL didn't get the bonus. There is no way we would have ever open this account if we didn't get the bonus. We are so upset and mad and don't know what else to do. 

Thank you.
Product: Mortgage

On XXXX XXXX, 2015 I reinstated mortgage # XXXX with Bank of the West, XXXX XXXX XXXX, XXXX, XXXX. I was in the process of selling the property and provided Bank of the West a purchase agreement, but they refused to work with us. On XXXX XXXX, 2015, less than a month later, the property closed on the same purchase agreement and Bank of the West was paid off at the amount they demanded. 
Previously, demand was made on Bank of the West to this agency for full disclosure regarding all figures supporting the payoff of this loan ; however, the reinstatement figure of {$11000.00} remains unaccounted for. Bank of the West has failed to provide itemization for this figure.
Product: Mortgage

I had a contract to sell my home. Bank of America did not credit my mortgage in a timely fashion, and the contract expired. I
Product: Credit reporting or other personal consumer reports

While looking over my credit reports, I see some accounts that have marked me as late on my payments. I would like to thank the consumer reporting agencies for playing a very important role and I know they have the ability to report consumer information as accurately as passible. In my case this information is not accurately reported. 

Can you do an investigation and show me with proof of statements where and when were these payments late. If this can not be proven with statements, please updated to on time as they should be because I was never late I have also attached a screenshot of the dates of showing my payments being XXXX days and XXXXdays late. 

The 15 U.S Code 1681 states that consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. In this case this violates my rights because inaccurate information is being reported by a consumer reporting agency. The accounts are listed below XXXX - XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX account # XXXX
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA -they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you