23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am submitting a complaint today to notify you that I have been a victim of fraudulent activity. In my efforts to remove the fraudulent items from my report, I discovered that I need to visit the Federal Trade Commission or https : //www.ftc.gov to file an identity theft report. Per FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report, reference number XXXX. Please find the attached documents to assist in removing the erroneous personal information and inquiries that have been posted to my report. Here is the list of items that were opened without my permission : 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 XXXXXXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ), the Credit Reporting Agencies must remove any items in a consumer 's file identified as resulting from identity theft within four business days of receipt.
Product: Credit card or prepaid card

On XXXX I made a purchase with my square XXXX via XXXX for {$350.00}. This transaction was immediately canceled through XXXX and refunded. I called square to have the funds added back to my original balance and the square rep voided out the wrong XXXX transaction which in turn charged me twice and put me in a negative balance. Not only is this an inconvenience but will also reflect negatively on my account when doing future business with square. All because of a mistake on the behalf of the square representative. Ive been transferred numerous times with no resolve in sight! Was told it would take up to 60 days. The representative XXXX XXXX was very dismissive and refused to transfer me to a manager or someone above her in ranking to help resolve this issue.
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 an 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 the errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit card or prepaid card

XXXXI have never had an account with this company DISCOVERBANK XXXX XXXX REMOVE from all credit agencies from reporting. 
XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are DISCOVER BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Mortgage

I have applied for a modification numerous times with Greentree due to hardship. For years, they have lost my paperwork requiring me to repeatedly submit the paperwork again. My house went into foreclosure as a result. I kept applying for a modification. Again, they claimed the packet was stale though it was submitted on time in mediation. They told me I was denied for XXXX, but never provided a reason or any written denial. I should have qualified according to the rules. They later offered a streamline mod, but mailed it to a wrong address. Because of this, the deadline had past. I consulted with an attorney who advised me to request a new letter with the corrected information otherwise it was not a valid offer. I explained this to Greentree and they refused to reissue a new offer with the corrected address and dates on it. Instead, he ( supervisor XXXX ) demanded payment and stated " the offer is valid today, but could be off the table tomorrow '' though I informed him the other rep. ( XXXX ) stated it was valid until the end of the month. My address had never changed to begin with. XXXX they sent info to a wrong address. Greentree lawyers were informed this via emails and in mediation the first time they did this. They refused to reissue a new, corrected letter then too though the offer date had expired. 7 months later, it happened again. They ca n't send me any important paperwork, instead sending it to a wrong address, yet can continually leave notices on my door to contact them. They have been nothing but rude and harassing. They contradict themselves and give you the run around any time you ask for help or try to get answers. They have been a nightmare to deal with. They should be shut down and put out of business. They are not abiding by federal guidelines by trying to help people stay in their homes. If we lose ours, it will be because of them and the games they play.
Product: Debt collection

Hello I have reached out to Caine & Weiner several times requesting debt validation and have received no response and they continue to report inaccurate information on my report which is a violation of the XXXX  and violation of the Fair Debt collection practice. This company is violating my consumer rights and causing defamation of character making it difficult for me to purchase a home. XXXX and XXXX removed the account and it came back a few days later like a brand new account. Still no debt validation no contract or anything bearing my signature that I owe them anything. I have not done business or signed anything with Caine & Weiner. If I have done business with them why is it so hard to validate the debt that I have wrote several letters requesting this information. My claim continues to be ignored and this is a violation of my consumer rights if I owe the debt please show me validation of the alleged claim.
Product: Checking or savings account

*****I DO NOT need this to be resolved, I don't want Wells Fargo to contact me. I just read the XXXX XXXX XXXXXXXX article, and thought I should share my experience as well. I don't want any contact unless Wells Fargo is offering me monetary compensation for the way they treated me. 

Wells Fargo informed me on XX/XX/XXXX, that they will be closing my account due to " fraud. '' I have had no prior notice that my account is being investigated for fraud or has any suspicious activities. 

I am a college student, and I use my bank account to pay tuition and for other living expenses XXXX food, subway fare, school supplies, etc ). I never even bought alcohol with my cards, so I don't understand why they closed my account due to " fraud. '' The only thing remotely suspicious is that my mom just wired me some money for me to pay my tuition, but that's about it. Another reason why is perhaps my mother is XXXX, but she has lived in America since XXXX, and I don't know how that constitute as " fraud '' either. 

I am now banking with a different bank, who informed me that Wells Fargo closing my account is purely their fault, and they would be happy to have me as a customer.
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear XXXX XXXX XXXX I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

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

I Recently reviewed a copy of my credit report and noticed I had Hard Inquiries on my report. Please remove this account from my report. They are hurting my ability to obtain credit. 


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

Due to the XXXX data breach settlement I have access to credit monitoring. I found through the credit monitoring that on XX/XX/XXXXXXXX  a hard inquiry was made for a CITIBANK Dillard 's Credit Card was applied for, and on XX/XX/XXXXXXXX  I was alerted to identify theft when a hard inquiry for a CITIBANK Home Depot credit card was applied for. 

I notified Citibank of this fraud and both applications were closed. Citibank refused to contact XXXX to clear these hard inquires and said I had to make a dispute of fraud directly with XXXX. I made a XXXX dispute # XXXX that was immediately denied. I called XXXX on XX/XX/XXXX and they said that CITIBANK must call them to remove these hard inquiries. I called CITIBANK and they refused to communicate with XXXX.
Product: Money transfer, virtual currency, or money service

In order to close on our home purchase, went into local bank to send a wire transfer. After waiting and worrying we find out that the bank sent the wire without an account number. Told us what we needed to do, and we sent another wire successfully. We still have not received our money back from the initial wire, and the bank and employees arent offering any solution to tell me where my missing $ XXXX are. Can not get an update other than we arent sure
Product: Mortgage

The chain of 'Assignment ' is in question for my mortgage ; To begin, XXXX XXXX XXXX the original lender ; then the loan was immediately sold to XXXX XXXX XXXX XXXX ( there is no record of an assignment of the deed that I have seen ). After XXXX XXXX XXXX XXXX 's demise Bank of America acquired loan servicing. XXXX was the tracking vehicle ( based on the 'Original ' Security Deed ) ; then, on XXXX XXXX, XXXX, Bank of America requested that XXXX XXXX prepare an 'Assignment of Security Deed ' from defunct XXXX XXXX XXXX XXXX XXXX Bank of America ( Bank of America had already been servicing the loan for 2 years, by this time ). Under the guise of XXXX, XXXX " Assistant Secretaries '' of XXXX signed the document and then the " assignment '' was sent to the county clerk and recorded on XXXX XXXX, XXXX. 

Furthermore, Bank of America sold the servicing rights for my mortgage loan to XXXX XXXX XXXX, effective XXXX XXXX, XXXX. On XXXX XXXX, XXXX an " Assignment of Security Deed '' was prepared by Bank of America, to be recorded and sent back to XXXX XXXX. XXXX stated in a XXXX XXXX, XXXX letter to me that the loan was still being tracked within XXXX and all assignments would occur there. However, the XXXX ( XXXX ) for HUD stated : " HUD does not work directly with the XXXX system, however mortgagees are not actively using the XXXX system anymore to sign documents and if there are any corrective actions being sought, the mortgagee must correct the issue outside of XXXX. XXXX has to align the title issue with the county clerk. '' Interestingly, XXXX did not send me a copy of the recorded assignment, based on my XXXX XXXX, XXXX QWR ; they only provided the unrecorded version of the 'Assignment '. Also, all the names on the document Bank of America prepared are stamped and the signatures a virtually illegible ( via XXXX some of the names have been noted as Robo Signers ). Upon further examination, the recorded document ( stamped XXXX XXXX, XXXX ) was changed from being sent to XXXX to being sent to a foreclosure attorney ( who requested this address change ). 

When viewing XXXX, Bank of America still shows up as the Servicer and there is no history of assignments. while XXXX was being used. The chain of title may be clouded, because there is no record showing that XXXX XXXX assigned, sold, transferred the deed to XXXX XXXX XXXX and Bank of America 's deed transfer to XXXX looks suspicious, because Bank of America was not sure they were going to Service Release my loan, until they confirmed to me on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint in reference to Wells Fargo Dealer Services for destroying my credit worthiness by adding late payments to my report for a car that wasnt in my possession. I have provided proof in the form of a signed notarized letter from the individual and I, who had been in charge of the payments for when these late payments accrued back in XXXX, XXXX, XXXX, and XXXX of XX/XX/XXXX-XX/XX/XXXXThis has affected me mentally because I have been denied credit in the form of housing, getting denied credit cards, and other credit worthy items. This account was transferred to the individual which i spoke to Wells Fargo Dealer Services about on numerous occasions but the individual didnt want to transfer it for unknown reasons. I would like this resolved by getting all the late payments removed from my credit report ASAP because the Notarized Letter has the exact date of when it went into effect and when the late payments occurred, and you can see that I wasnt at fault for the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : USAA Summary of events : About XXXX of 2014 I called USAA to receive car insurance coverage. I had been covered by USAA but under my parents ' insurance policy. <P/>First phone call : They refused to discuss insurance coverage because my account had been flagged. Prior to this call my only business with USAA was that i was covered under my parents ' policy, I never opened any bank account or received any other services from them at any time, at all, ever. <P/>Second phone call : I called to ask about the flag on my account and see what it was for. They said that it was a fraud flag and they transferred me to their fraud department. I asked why I had a flag and they told me that it was for fraud and that USAA refused to do business with me. They refused to disclose any paperwork or information about the fraud or the nature of the fraud, I tried to explain that I was a victim and that I had n't ever done business with them other than be on my parents ' insurance policy and that I had no idea how this happened. They told me that they refused to do business with me and that was all.
Product: Mortgage

seterus keeps sending foreclosure statements although we are actually paid over on mortgage. money is in suspense account and they will not apply it to our account. even after XXXX phone calls and they said they would fix it. also reporting on our credit that we are behind XXXX payments. never was. only 2 months and that was caught up months ago. dont know what to do.
Product: Debt collection

Trident asset management is charging me XXXX $ that does not being me and it keeping me front get a apartment & homeless it need it removed I was a victim of identity theft & I have a police report XXXX XXXX XXXX is charging me XXXX for dental work I didnt receive went for a cancellation and they are killing my report XXXX $ XXXX XXXX is charging me XXXX For jewelry I never had I was a victim of identity theft this is so wrong
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I notice these inquiries that i did not authorize. This is an attempt to do fraud and should be deleted under15 USC 1681B PERMISSIVBLE PURPOSE 5inquiries These lenders have accessed your credit file 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
Product: Debt collection

Abusive language/tactics : Lying and manipulation are abusive forms of communication. 

" US Bank '' won't respond and coordinate to provide information to the CFPB, BUT they can monitor the complaints and find a way to send " false information '' directly to the person complaining.

The investors working behind the US Bank name " front '' are FL Bar Attorneys who block, hinder, interrupt and sabatoge ANYONE who makes the slighte
st attempt to avail their legal right to obtain justice and remedy for a wrong by using accessed Fl Courts ( State and Federal ) system.

See attached, 7 cases of mine and my right to remedy for damages were stolen from me at the hands of FL Bar Attorneys.

They never wanted me to pay a " mortgage '' because there never was a " mortgage. '' But they insist on making me come to Court to agree to allow them to steal something from me to remedy non-existent damages. 
Real estate is a monetary benefit for them.

Many people in Florida used to be afraid of FL Bar Attorneys. Its used to be a puzzling phenomenon.

No longer do this exist.

Their " slips '' have fallen, it's showing for all to see.

They are they only ones who can't see it on the ground.

That's the NEW phenomenon.
Product: Credit reporting, credit repair services, 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 the right to privacy. 15 USC 1681 Section 604 A, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have sent several certified letters to these companies, XXXX XXXX XXXX # XXXX, XXXX XXXX, TransUnion, and XXXX. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.
Product: Debt collection

In 2018, XXXX XXXX  called my work phone number about a debt I shouldnt have to be paying anyway. I told them not to call me at work and that I was working on resolving the debt with the University XXXX XXXX. Today, they called other branches of my work to try to reach me, which is both unprofessional and embarrassing, especially when I have a direct line and I told them not to call me at the direct line.