23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is the third company to try and collect on a debt that was previously settled. This was handled and taken off of my credit close to 5 years ago. I get a call last week from a woman saying that I have another debt from XXXX during a time I did not have XXXX. I had XXXX. She informed me that she would look into it with XXXX  and get back to me. 2 days later it appears on my credit even though its already been proven to be false prior and removed. This is getting to the point of harassment. I advised them of this over the phone and she didnt seem to care, when I mentioned bringing this up to my lawyer she quickly got off the phone and continued without any validation.
Product: Money transfer, virtual currency, or money service

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 a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I received a call from XXXX XXXX XXXX said owe for pay loan that I did not apply for and I and the Supervisor with XXXX XXXX XXXX  call my bank to verify the account that use to receive the cash for {$800.00} was confirm that account was not in my name and that alert me to check my credit report and found there is another loan with Spot Loan that someone applied for XX/XX/2021 and cash was funded on XX/XX/2021 for {$800.00}, the same date this person applied for a with XXXX XXXX XXXX. I am filing fraud against Spot Loan and I never sign a contract with Spot Loan that day and they sent me a letter indicating the information on file matches my information. I have disputed with XXXX XXXX with an alias name I found listed on the credit report. O also was advise by Spot Loan to file fraud with FTC. I am in the process of filing another against Spot Loan and phone number that is indicated XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all the collection accounts listed here.. The accounts listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft I disputed the accounts with Equifax but they did not help me..They never gave me any evidence proving the account as mine..CFPB please do something about this and remove the accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ( ORIGINAL CREDITOR XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Credit card or prepaid card

I received an statement with for an account that I have already had a fraud on, this time in the amount of {$19000.00}. The cards belong to a Bank Of America account. 

This card is barely use or only use when I travel outside the USA ( if needed because I have other card issued ). The last time this card was used the statement was less than XXXX XXXXXXXX The statement says I have to pay for a balance transferred to other accounts which i do not have- I requested proof and they do not have it. It says it was sent to an apple account witch i do not own. These payments were never done by me. 


XX/XX/05 XX/XX/05 BALANCE TRANSFER XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/05 XX/XX/05 BALANCE TRANSFER XXXXXXXX XXXX XXXX  XXXX XXXX XXXX I had also a fraud on other cards and balances were transferred to XXXX. I don't have an account with XXXX and I have never had an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint XXXX disputing inaccurate information on my credit report on XXXX. I received a letter on XXXX saying that the investigation is complete but they did not provide a method of verification of the people whom they spoken with or business address used to verify this information. I want to make sure that my dispute is being treated fairly according to the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D.
Product: Credit card or prepaid card

XX/XX/2019 I applied for a Secure Credit Card, application # XXXX for {$300.00}. The amount was to be debited to my checking account and credit the credit card account. I applied for this secure card using my own money in the checking account to be able to build my credit. But the application was denied. I visited the banking center where I applied for the credit card from and was told the card was denied. I received a letter several days later and I again visited the bank and I was told the bank does not issue secure card any more effective from XX/XX/2019. I explained, I applied for the card on XX/XX/2019 so it does not affect my application and no solution was offered during my visit.
Product: Debt collection

While viewing my credit report i Saw a Debt collector account on my credit file for Portfolio recovery, i have no knowledge of this company. 

I am asking that their information be first verified under the fir debt collection practice act, I have the right to request validation of the debt they say i owe. I am simply requesting proof that i am the party in question and that there is some sort of contractual obligation that is binding on me to pay this debt. This is not a request for validation or proof of my mailing address but rather a request for validation made pursuant to 15 USC 1692g sec 809 ( b ) of the FDCPA. i respectfully request that they provide me with competent evidence that i have any legal obligation to pay.
Product: Money transfers

I was engaged to an alleged XXXX, he established that he was going to transfer me {$100000.00} from his account in XXXX in XXXX to this email- XXXXXXXXXXXX I provided the transfer fee of {$1100.00} to a XXXX XXXX, Remittance Manager of XXXX . I used money gram to wire the money to XXXX with a reference number XXXX. I was later asked to pay {$8000.00} for a COT code. I was provided a fake internet account website to transfer the funds from said account to my personal account. 
Dear Value Customer, You can access our website ( XXXX ) Ma'am the best wayof transfering fund like this internationally is what you went for ( Internet Bank Tranfer ) and is the simplest means of transfer. You canalso log in your Online Bank Account through our Internet Banking platformit will take you directly to the site we gave you earlier to access youraccount*Our bank has a banking policy operating in Directives of job processingand customer satisfaction that we do have laws governing our Bank* Our bank is known for long standing Reputation in maintaining customerrespect and obeying Banking rules/Laws. Note this, as part of ourcontractual agreement with our partners with customers, that no amount canbe deducted from your fund, this is because the total amount has beeninsured to the real value. And this is in accordance with section XXXX ( XXXX ) ( XXXX ) of the international remittance act as adopted in XX/XX/XXXX and amended onXX/XX/XXXX by the constitutional assembly and it put in place toprotect Beneficiaries from Bank exploitation and to avoid misappropriationof funds. 
XXXX XXXX, Remittance Manager, XXXX, XXXX.
Product: Mortgage

Home Financing Center, XXXX XXXX, Florida, is requiring I have Hazard Insurance on my condo in XXXX, Florida. The condo homeowners association already has property, crime, and general liability insurance on this property. The property is not in a flood zone. I have provided this documentation to HFC. I have written several letters to them requesting information concerning why Hazard insurance is required on this property. The last letter was addressed to XXXX XXXX, President and CEO. HFC claims I have been notified on two occasions explaining the circumstances surrounding the need to have Hazard insurance. To date I have not received a response explaining why Hazard insurance is required on this property. I have owned the property for many years and the only thing that has changed is that the property was refinanced from a 30 year mortgage to a 40 year mortgage. HFC appears to have purchased Hazard insurance for this condo unnecessarily last year and this year at a total cost of over XXXX dollars.
Product: Checking or savings account

I applied for a bank of america business checking account and was initially approved provided sufficient documentation of the business and received a business debit card and online banking access as o f  XX/XX/XXXX .   No activity occurred other than an initial {$25.00} deposit. Today  X/XX/2017    I could not activate the card and was today the account was terminated for no reason. They did not disclose this information to me legally the representative was rude and provided no additional information. This should be against the law to terminate good standing accounts and waste peoples time with an already burdensome application process ( i would have applied elsewher e ). Plea se enact a federal regulation overseeing the closure of these accounts, many people are having their money with much large deposits being stolen by Bank of America. To call them names and ridicule them does not due them or myself justice instead take control of these banks and enact legislation that will regulate these unjust activities OR sue them and give us our money and time back. I am a  XXXX   XXXX   XXXX  patient and they just took more time off the remaining life that i have. What pieces of garbage!
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap
Product: Mortgage

My XXXX  property was damaged severely after a series of hurricanes in XXXX. I filed a home insurance claim with XXXX XXXX. XXXX XXXX issued payment in both my name and Freedom Mortgage. I was told by XXXX XXXX that my mortgage company would have to endorse the check back over to me to cash. Since XX/XX/year> XXXX XXXX has failed to return the check ( {$17.00}, XXXX ) to me. Furthermore, I was told by XXXX XXXX and Freedom Mortgage that I was obligated to mitigate any further damage to my home. I complied and paid for the damages through credit cards and exhausting my savings. I am a XXXX veteran, and this has extremely impacted my household which consists of my wife and XXXX children. 
I have made numerous attempts to contact the Freedom Mortgage Loss Draft department and speak with a supervisor. Based on information on their website, I requested an inspection after I noticed that they had not scheduled one and it was required. This was after two weeks of Freedom Mortgage having my claim. 
I am repeatedly told that no supervisor is available when I call, and they will call me back. No supervisor has ever called me back to date. I was told that I needed to provide proof that the repairs were complete. All of the repairs have been complete for weeks and they still have not completed processing my refund. I supplied the county inspection report for completion of the work, the paid in full invoice from the contractor, the Freedom Mortgage Waiver of Lien document signed by the contractor and had Freedom Mortgages own field office inspect my home again. Even after completing everything required of me, Freedom Mortgage has not returned the funds to me. 
As a proud veteran who served in XXXX  XXXX XXXX and XXXX  XXXX, I would ask that the CFPB support me as I fought for this country.
Product: Mortgage

I'm a past wells fargo client and I was inquiring about the settlement
Product: Debt collection

On     XX/XX/XXXX     I spoke with  XXXX  in the fraud department that is handling my case. She advised me of the steps that I need to take to get this investigation started so that I could get this car off my credit. Its a  XXXX   XXXX   XXXX  that she stated was opened in  XX/XX/XXXX  in the   XXXX ,   FL  location. In which i do n't live. They have no clue where this car is located. The loan is ab out 20, 000 in w hich this is reporting late on my credit. Its dropping my score and stopping me from obtaining credit that I try to get. I sent in all the information that was needed. We are now in  XX/XX/XXXX  and I have yet to get an update on what is going on. I have made couple attempts to contact my case  manager   XXXX  and she has not returned any of my phone calls. My third attempt to get in contact with her was  XX/XX/XXXX . I advised the rep that I spoke with that was my last attempt to try to get an update. I also advised that I will be getting a lawyer involved and will be reporting the business. The companies name i s Credit Acceptance.
Product: Credit reporting or other personal consumer reports

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB. 

XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Product: Mortgage

We purchased a home last year. XXXX XXXX originally was our mortgage holder but Wells Fargo purchased our loan. We were told that we could eliminate PMI once XXXX % LTV was reached. We did improvements and added heated/cooled space in the basement and then XX/XX/XXXX contacted Wells Fargo about re appraisal to remove the PMI. Wells Fargo informed us that the stipulations for removal were changed and we now had to have XXXX % LTV and market increase would not effect value.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, mt credit reports on all three show different amounts owed and different remarks. Due to these errors my credit score decreased by XXXX points. The oldest age for my student loan account by XXXX XXXX is 22 years and one month. There are balances still reporting throughout all three credit bureaus. TransUnion XXXX and XXXX are showing different things. Some say closed and some are still opened. This has impacted my credit score tremendously and need to be corrected. The student loan company has confirmed That I do not owe a balance
Product: Credit reporting or other personal consumer reports

Per FCRA as a federal protected consumer I am now opting out of any and all authorizations that I the consumer may have given you written, verbal, unwritten nonverbal per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting an eviction that the courts didnt provide to them to report. This is defamation! Although this is public information I DID NOT give my consent for them to share my personal information or report it. This is ruining my reputation and damaging it all in one! Lexis nexis has violated FDCPA and that makes them liable under 15 USC 1692k civil liability.
Product: Debt collection

THIS COMPANY ON MY CREDIT REPORT ITS NOT MY ACCOUNT IT WAS DONE IN FRAUD. IVE TRIED TO CONTACT THEM, THEY HUNG UP THE PHONE ON ME. THEY COULDN'T VEIFY MY SSN OR ACCOUNT. THEY TOLD ME THEY WILL REMOVE THE ACCOUNTS FROM MY CREDIT REPORT. 

MY NEXT STEP IS TAKING THEM TO CIVIL COURT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an outstanding customer and absolutely enjoy my Discover Card. However this year and last year have been incredibly difficult as I know it has been with everyone. I am a XXXX XXXX and in XX/XX/2021 caught XXXX XXXX and I missed my XX/XX/2021 payment. The next month my husband and I brought the account current and worked very hard to stay on top of everything. However in XX/XX/2021 my husband lost his father due to XXXX XXXX. The unexpected funeral costs impacted my family heavily. I have been working extremely hard to keep my good payment history and account in good standing. I called the customer service phone number on XX/XX/2021 to ask if a one time goodwill exception for the late payment in XX/XX/2021 could be removed from my credit reports due to XX/XX/XXXX and how it has effected my family this year and I was given incorrect information and the lady was not very nice or helpful at all. Not knowing who to call or my next direction as it relates to this matter this was the only place I went to for my next step. I am trying very hard to move into a new home and start fresh and leave the grief behind. My husband is currently working three jobs right now to pay off my balance and we have a scheduled payment in the system to do just that on XX/XX/2021. I know these last two years have impacted everyone. But I am just trying to keep my good payment history and status with my Discover card in good standing.
Product: Credit reporting

I 've disputed with all XXXX major reporting credit bureaus ( Equifax, XXXX, XXXX ) .I 've submitted XXXX different disputes regarding unverified accounts via cretified mail. There responce is verified without back-up documents. This issue is drastically affecting my ability to re-finance my properties! I feel as if I 've reached a road block. I greatly appreciate your assistance in this delicate matter.
Product: Checking or savings account

I paid for an XXXX  XXXX with my Navy Federal Credit Union Debit card and the say was not what I paid for, the room was dirty upon receipt, the pictures did not match what was received, the host was unresponsive I explained this to navy federal credit union, and they refused the dispute. This is unfair and I want my money back i Paid for a product service I did not get at all from XXXX XXXX XXXX XXXX this dispute was done with navy federal cu and they gave an initial credit and then they took it back stating i did not send in proof of my claim and I did pictures of how dirty and filthy the room was and how the host just quit responding i did dispute with XXXX XXXX XXXX was told I may not have a refund because the sorry host refused it? how? I paid for something i did not get and while we did stay the one night it was the only option as my money was already spent on this place for the night attached is my receipt.
Product: Money transfer, virtual currency, or money service

My information has been compromised I believe money was transferred through a 3rd party source and I want to declare my relationships with this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file I noticed several wrong items that I require to be corrected. I decided to file this complaint for myself without the help of anyone. I am requiring that XXXX, Transunion, and XXXX permanently remove the following from my credit file immediately. These accounts are not mine XXXX  XXXX XXXX XXXX and XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  Bankruptcy XXXX, XXXX, XXXX. There are hard inquiries that have shown to be on my file I did not sign for or authorized. Remove the following inquiriesXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US SM BUS ADMIN ODA. There are also addresses listed that are to be removed such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An fraudulent account was opened in XX/XX/2023 of {$1500.00} on my credit report. I received a letter in the mail on XX/XX/2023 stating the account was going to be closed due to an investigation and proof of it being fraud. Months later the account is still on my credit report ( TransUnion ) which I did not sign or grant permission for my social security number to be used for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX And I did not grant permission for the account to be placed on my credit report. The account is fraudulent and I do not take ownership of this account. XXXX and XXXX both have removed the account due to it being fraudulent. Please have this account removed from my credit report.
Product: Credit card or prepaid card

Greetings, I currently hold the American Express XXXX XXXX credit card. Unfortunately, American Express hasn't been crediting my miles for months. Upon reaching customer service they said I violated the terms and agreements and that I would have to return the earned miles. I didn't cancel the credit card and I received a XXXX offer to switch product. I've been a XXXXXXXX  XXXX credit card holder for years, I'm being penalized for the offers that American Express send out to customers. There's no transparency, even my credit card expenses doesn't reflect on my medallion qualification status. I haven't used the card because of this annoyance and I've been considering stop doing business with American Express. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I will seek legal action against all major credit bureaus, I am fully aware of my laws as a consumer and I will enforce these laws to the fullest possible extent. The fair credit reporting act states that information shall not be reported without my given consent. It also states that information in my report shall not be given to any employer without my given consent and both of these rights have been violated. 

The accounts in reference are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These accounts are not my accounts, they have been illegally reported on my credit report and also to an employer on my behalf without my consent. 

These accounts should be deleted immediately or legal action will be taken, I should be notified in writing of the outcome of this investigation.
Product: Credit reporting

Experian claims to have verified a collection from XXXX # XXXX. However the other XXXX credit bureaus investigated and deleted this. Experian did not do an investigation or they too would have deleted it.