23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I hired a cleaning company for my fathers home. The woman started the cleaning then left and never came back. I have tried contacting XXXX XXXX, the company to no resolve. I finally contact my bank to file a claim. They took extra time even calling me to let me know they were working on it. Then I contact them once denied a few hours later and they state they dont handle those type of issues. Yet they started a claim and provided credit giving me my funds back which have been gone for several months. Only to be told by corporate that they dont handle what they call third party payment issues. Acknowledging the process should have never taken place soon to cause my account of over a decade to go negative with no regard. He asked if I wanted an apology letter. How is this protecting my funds? If this was the case it should have stated as such and I would not be looking at {$700.00} worth of debits coming my way next week. If Chase policy is no retrieving funds for third parties then why would they do this to someone and take weeks? I was led to believe it worked as any other transaction. The dates are in attachments for timeline purposes
Product: Debt collection

After obtaining my credit report I mailed a certified letter on XX/XX/XXXX to all 3 credit bureau 's. Also, after obtaining my report, I updated information that I found to be inaccurate and disputed a collection account. The collection account was from Diversified Consultants for the amount of {$220.00}, claiming the dates to be from XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I sent a certified letter to Diversified Consultants asking them to verify and validate the debt that they have listed on my credit report. Validated debt shows an original contract with my signature on it. I also included in my dispute a hand written letter asking Diversified Consultants if they were legally able to attempt to collect the debt they claimed I owed. The reason I asked is because the address that was listed on my credit report was not listed on Florida 's Secretary of State website. As a consumer, I have rights and if Diversified Consultants can not validate this debt and if their business is inactive ; I want this debt deleted from my credit report ( all 3 bureaus ) or else I will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have requested on three different occasions to obtain a free annual credit report to XXXX  and Equifax. I have received my XXXX XXXX report, but I don't know the reasons why the other bureaus are being held up. Please help as I really want my free annual credit report from each bureau. Thank you.
Product: Debt collection

XXXX XXXX  / pyod llc. Court date XX/XX/2023 .Company took to me to court to sue for a debt from XXXX  XXXX. Which appears XXXX times in different amounts on my credit report. I asked them to provide proof of my account which they coils not do. The case had to be continued. They could not provide me with my signature or social security number for this account. I have XXXX and take XXXX daily. I showed up at court and the could not show me proof of an account i have no knowledge of. I would like this to be removed from my credit report i am not physical able to keep going to court and they cant even show proof. They call and harrass me email all the time
Product: Debt collection

they sent me a copy of a statement not contract i don't know if this card was a secure card with a XXXX dollar credit limit and if so why are they trying to collect {$740.00} and only {$39.00} in finance charges many questions why was the card allowed to go over almost double the limit doesn't make since no contract to understand and its been 30 day
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 : {$10000.00} XXXX  XXXX Balance Owed : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  I transacted with XXXX XXXX XXXX XXXXo get a home mortgage pre-approval, which according to them required a credit report be pulled from Equifax, XXXX, and XXXX. Starting on XX/XX/XXXX  I have received on average 10 phone calls per hour on my mobile phone from mortgage companies soliciting home mortgages. The credit bureaus clearly shared my information to others outside XXXX  XXXX XXXX without my consent and now I am being inconvenienced at an unacceptable rate with calls, texts, and emails.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app and block Inc due to inadequate customer service unfair practices which violate the customer financial Protection Act specifically cash appeal 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 and regulation E These actions have caused significant inconvenience and financial loss I seek appropriate redress for these violations.
Product: Mortgage

We refinanced our home and closed on XX/XX/2021. XXXX XXXX taxes were not due until XX/XX/2021. In our refinance closing documents, distributions were made by the title company to the XXXX to pay our taxes due in the amount of {$3100.00}. In the same month, XX/XX/2021, our previous mortgage company also paid the taxes out of our escrow for the same amount of {$3100.00} while knowing that a payoff demand had been requested. XXXX XXXX tax assessors deposited both payments and we now are subject to a waiting period of 60-90 days until they release the duplicate payment funds back to the original mortgage company for them to then redistribute back to us at some mysterious time table. How is is it right that XXXX XXXX gets to hold up our funds beyond the actual payment made not to mention earning interest?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There a fraudulent address on my credit report Thats need to be removed I have contacted these companies on several occasions with my FTC reports and everything these addresses are not mines and need to be removed, Also Payments history is inaccurate on 4accounts on my credit report Ive sent several letters and disputes says its updated but when I look on my report theres no update
Product: Debt collection

I am in disagreement with the item listed below which still appear on my credit report, even after your XXXXvestigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion, you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated.
Product: Checking or savings account

After a previous complaint with CFPB ussa contacted me and stated they would attempt to help me. they refunded me for two nsf charges, I was originally charged 22 fees resulting in {$630.00}. I was told that they would try to help with the rest of the fees after further review. later in the day I recieved a email stating that ussa only charges a max of 3 nsf charges per day. after seeing this I check my online statement and saw that they changed every nsf charge ( that all were originally charged and dated within a two day period ) to reflect that there were evenly spaced charges, three per day. I've never seen anything like this! this has to be illegal!! They fraudulently changed the dates off these fees to fit their policy so they would not need to refund them. I have cell phone pictures of the original screen showing the real fee transaction dates, which were all in two days!
Product: Credit reporting or other personal consumer reports

This morning, I noticed some unauthorized inquiries on my credit report, and Im at a loss for why theyve appeared. My usual credit check revealed discrepancies I wasnt prepared for. Despite refreshing my browser, the inquiries persisted, proving this isnt just a technical glitch. I am deeply frustrated and request a detailed review of the documents Ive submitted so I wont have to worry about this again.
Product: Mortgage

XX/XX/XXXX : XXXX XXXX -hired XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  issued, received, and cashed : XX/XX/XXXX : {$98000.00} XX/XX/XXXX : {$82000.00} XX/XX/XXXX : {$79000.00} XX/XX/XXXX : {$22000.00} Total received as of XX/XX/XXXX : {$260000.00} Pending checks awaiting the release of funds as of XX/XX/XXXX : {$130000.00} A check for {$130000.00} was issued in midXXXX of this year and incorrectly endorsed. Lakeview/XXXX  XXXX sent the check back to us, and we had it correctly endorsed and overnighted to Lakeview. As of today, XX/XX/XXXX, we are still awaiting funds to be released. With every phone call to Lakeview, we have been told vastly different stories and what to do on each phone call to move forward in the process. 

The inspection has been completed, and our contractor is approaching XXXX  days of non-payment from the mortgage company. This is a pressing issue that requires immediate attention. Our contractor will have to put a lien on the house for non-payment, and it is looking as though we will lose our house AGAIN. The insurance company has released all funds to our mortgage company, who is unwilling to give us or our contractor the money owed. We have flown back into the country to handle this matter in XXXX, XXXX, and XXXX. We can no longer afford to fly back and forth on short notice in hopes of putting this nightmare behind us.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things ae incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate this account listed below because : XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate and I have never heard of XXXX may be fruadulent.
Product: Debt collection

Title : Failure to Validate Debt and Address Identity Theft Aspen Collection and Villas at Fortune Place Description of the Complaint : I am filing this complaint due to Aspen Collection and XXXX XXXX XXXX XXXX failure to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite submitting multiple debt validation requests and providing evidence of identity theft, these entities have failed to respond or validate the alleged debt. 

Key Issues : 1. Failure to Validate Debt : I sent debt validation requests to Aspen Collection and XXXX XXXX XXXX  XXXX. Despite their obligations under the FDCPA, they have not provided any validation or response to confirm the accuracy of the alleged debt.

2. Failure to Address Identity Theft Evidence : Both entities were provided with my FTC Identity Theft Report, Fraud Affidavit, and police report from XX/XX/XXXX. Despite this, they continue to report or pursue the debt without verifying its validity or correcting inaccuracies.

3. Non-Compliance with FCRA and FDCPA : These entities have failed to adhere to their obligations under the FCRA ( Sections 605B and 623 ) and FDCPA, which require thorough investigation and validation of disputed debts and removal of fraudulent accounts. 

Timeline of Events : XX/XX/XXXX : Filed a police report regarding identity theft in XXXX XXXX, XXXX. 
XX/XX/XXXX : Sent debt validation letters to XXXX XXXX and XXXX XXXX XXXXXXXX XXXX, including supporting documentation ( FTC Identity Theft Report, Fraud Affidavit, and police report ). 
XX/XX/XXXX : Both entities failed to respond to my validation requests and continue to report the debt inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have updated letters describing the issue. A fair resolution to this issue is to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated, my federally protected Comsumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Sates I Have the rights to privacy.

15 U.S.C. 1681 selection 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

. 15U.S.C. 1681. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

XXXX advertises a 0 % loan on the XXXX plow website XXXX I applied they confirmed then made a " mistake '' on the contract I called back and they were going to fix it. Instead i told the dealer that I would purchase the plow outright and paid with a check. XXXX never cancelled the original contract, two month into the loan i called to pay it off they charged me a 9.9 % interest. Please let me know what my legal recourse is. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX . No contact information has been reported by this creditor. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

On XX/XX/2021 ( {$10000.00} ) I was sent a final bill from XXXX XXXX for an appartement. I had been approved for aid from XXXX Iowa, although they had not submitted payment. On XX/XX/2021, I was sent another bill for the same amount. Except, XXXX Iowa has sent payment along with how that payment was to be applied, as payment for other rent was included. {$10000.00} was to be used towards this full amount. Since then, even with proof from XXXX Iowa submitted, Sentry Credit along with XXXX XXXX have continued to deny this payment was sent, cashed, and applied to this debt.
Product: Credit card or prepaid card

I made a cash advance of {$100.00} in mid XX/XX/XXXX. It had a promotional rate of 0 %. Between XX/XX/XXXX and XX/XX/XXXX, I made double payments, but, the {$100.00} was not paid off. I inquired about this in XX/XX/XXXX. I was given an explanation about how payments were applied. I was then told that if I pay the minimum payment + the remaining cash advance balance, it would be complete. I asked why that had not already been done with my double payments. I still don't have a good answer. 

I asked that my payments be reallocated to satisfy the balance. The very next month, the line item on my statement showed no balance in the cash advance line. This  confirmed for me that the balance had been resolved. Fast forward 6 months. 

For my statement with a due date of XX/XX/XXXX, an amount has resurfaced in the amount of XXXX in the Direct Deposit and Check Cash Advance line with interest of .81. I have not requested another Check Cash Advance. Upon inquiry about this amount, I was told it was the same one from a year ago. 

I asked why this amount has not been appearing on my statements. I have not been given an answer. This looks like Bank of America tried to hide the amount in an effort to charge me interest without my knowledge. This also looks like Bank of America purposely chose not to pay off this small amount in order to find any and every opportunity to charge me interest. This is fraudulent. 

I keep being given the explanation that I should pay the remaining amount of the cash advance + the minimum payment but it was never applied when I was making more than the minimum payment. This was a small amount that should have been paid off long ago. I am being misled by Bank of America.
Product: Credit card or prepaid card

I am not aware of why my account was closed on good standing. I had one return payment on my account because I forgot to change to auto draft account from a closed account to the new one, but that is not a reason to close an account. It's not like I was behind or owed you several dollars. The rep told me the account was closed because of a return payment in XXXX, even though Paypal received a payment after I noticed that it had the wrong account. They do bad business and treat their customers XXXX on PAYPAL and XXXX.
Product: Credit card or prepaid card

I applied the American Express skymiles credit card in XX/XX/XXXX. But i didnt received it. After waiting, I called they mailed agin, then I still didnt received. Then I called again, finally I got the card at XX/XX/XXXX. But it pass the time of three moths limits that I can get my rewards. They tell me I couldnt get the points for it passed three months. But it is American Express fault not mail it right. Why should I not received the rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Equifax about some inaccurate accounts on my credit report. they verified these accounts through automatic verification which I did not consent to. XXXX found these same accounts not mine and removed them but Equifax has yet to do so. They have violated my rights and these accounts should be removed immediately.
Product: Credit reporting or other personal consumer reports

Please check my credit report as there are unauthorized inquiries from my credit report.
Product: Debt collection

I 've asked for valaditation of debt and I only receive copy of Bill. That 's. Verification not validation.