23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Per 15 usc 6802 a financial institution which has been listed above XXXX not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; the consumer is given an explanation of how the consumer can exercise that nondisclosure option. If XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX is not affiliated with EQUIFAX they can not disclose any nonpublic information to EQUIFAX without my consent which I have not given any consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDCO has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint against XXXX located in XXXX XXXX, CA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, XXXX has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of XXXX has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Debt collection

Note : if you will see the Total amount of vehicle has been changed twice. Now XXXX claims that a different amount has been changed from XXXX. On my credit reports it shows different. Also see documents of a Security hack with my personal information involved. XXXX claims it is from XXXX XXXX XXXX lied and said they did not sell my debt to anyone? Maybe they didnt sell but why does XXXX have my information? This has gotten to be harassment from XXXX. Thank you to CFPB for listening to this ongoing racket of XXXX. I know for a fact that they have something to do with the GAP insurance I had as well.
Product: Credit reporting or other personal consumer reports

In accordance of the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # 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. 15 U.S.C. S 1681c-2 ock. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021
Product: Checking or savings account

I have been a long standing customer of TD Bank since 1994. I have multiple accounts, of note, my savings account. TD Bank has charged {$81.00} in excessive transfer fees for each transfer conducted from my savings account. With the Pandemic, I have significantly limited the in person interactions due to my health and being high risk. Also, as I understand it, Reg D had been repealed and I was under the impression that such fees would be waived due to COVID. Further, when speaking to the representative, she indicated that letters were provided to TD Bank customers regarding the " restrictions '' ; to date, I have not received any letters regarding these transactions. I requesting a refund for the fees that I was assessed, for which after speaking to a branch manager, a call center rep, and then finally a call center manager, was finally refunded. Its unfortunate that TD Bank does not take better care of long term customers or work with such customers to retain the relationships. Despite the fact that the fees were refunded, I will be moving my accounts elsewhere.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I cancelled my debt collection service contract with Clear One Advantage. https : //www.clearoneadvantage.com/ They have tried to take a biweekly draw XXXX times since the cancelation from my business account. Payments have been stopped. 
They draw comes from XXXXXXXX XXXX XXXX on behalf of Clear One Advantage. 
They have tried. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for {$550.00} on each occasion. 

I was told that they would stop trying to take the draw but they keep trying. I am being charged a service fee from my bank each time they do this. My banker is XXXX XXXX with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX Phone Numbers Main : ( XXXX ) XXXX
Product: Debt collection

I have a dispute going on with all 3 credit agencies. First of all I had no clue I had these two collections until I pulled my credit. I noticed my score went down drastically. I was never notified or contacted about these. I still havent. I wrote and asked for velidation of and wanted to see a contract with my signature that I agreed to pay for these. Im a XXXX veteran with free healthcare. I definitely wouldnt pay for this. My request has been ignored and came back validated. They also had the date of opening as XX/XX/year>. I asked them to remove based on that alone. They just fixed the date afterwards. I have a screen shot and of the wrong dates from my XXXX XXXX XXXX I thought that was grounds alone.
Product: Credit reporting or other personal consumer reports

After My POA spoke with XXXX XXXX on my behalf and settled the account for XXXX and XXXX XXXX said they would remove all negative items, after receiving payment XXXX XXXX viciously started flagging my account with a bunch of negative stuff. I feel as tho they misrep and tricked my POA into paying. They were dishonest. Then there was an area that recently came up as settled, and then I saw where they entered a new message of '' settled for less than the debt '' which tells me they were upset and basically trashing me and letting people know I didn't pay the full amount. They may as well have just gave all the numbers because that's especially what they are doing when they are putting those comments on a consumer 's credit report, which is slanderous. I want it removed, it was in retaliation for filing the complaint.They removed and or reworded some of the slanderous stuff just recently except 1, indicating the account was paid after it was charged off and sent to collections, what in the world! If that is someone trying to get back at someone, what is! 

You told the CFPB you could not comment when my POA sent my original complaint in because it wasn't me, WELL now it's me so it looks like you need to come up with some answers on why you can't seem to keep your word and stop ripping off consumers and being dishonest. That seems to be the easy way out for you big companies '' Oh well it's not the account owner so we can't say anything '' I will make this public for the world to see so that they no the hidden danger within your organization. 

I ALSO WOULD LIKE MY ACCOUNT AUDITED AND I WOULD LIKE THE INFORMATION PROVIDED HERE AND IN MY EMAIL, I HAVE SEVERAL " OPPS '' CHARGED ON MY ACCOUNT THAT I DON'T BELIEVE ARE VALID, I WANT A COPY OF ALL OF THEM AND I WANT IT INVESTIGATED, YOU ARE NOT TRUST WORTHY AT THIS POINT. YOU HAVE ALSO DONE THE SAME TO MY POA AND DELETED INFO ON OF HER ACCOUNT IN AN ATTEMPT TO CLEAN UP YOUR MESS, IT IS ABSOLUTELY HORRIBLE. THERE WAS NO MISTAKE IN YOUR ACTIONS, IT WAS 100 % INTENTIONAL, RIGHT AFTER MY POA PAID YOU. 

YOU HAVE NO COMMENT BUT I SEE YOU MADE SOME CHANGES RIGHT AFTER MY POA FILED A COMPLAINT AGAINST YOU, SO LET 'S GET AN EXPLANATION AS TO WHY YOU TRICKED US INTO PAYING YOU AND THEN YOU TRASHED MY CREDIT I ALSO AGAIN WANT A COPY SHARED WITH CFPB AND MYSELF OF ALL '' OOPS '' CHARGES, I HAVE ALREADY REQUESTED THIS BUT HAVE YET TO GET THIS REPORT
Product: Mortgage

XX/XX/2019- We are a senior couple. We purchased a home and closed on it a year ago with XXXX XXXX. 5 months ago the note was sold to Mr. Cooper. 
Although we make our home payments with escrow, these companies did not and are not paying the home insurance on time! 
This leaves our home uninsured and uncovered for risk. We live on the Gulf coast in a high rsk area. After the time has lapsed they have submitted insurance payment but we received virtually zero coverage for the alotted time. This happens because these mortgage lenders control the escrow money and it's dispursements. 
Basically it is robbery since we have never been reinbursed for time ( s ) our home was not covered due to their neglect. 

Mr. Cooper purchased our loan ( 5 ) months ago. They too held our money paid into escrow. we called and they told us we could NOT close our escrow with them and pay our insurance and taxes ourselves! Our insurance went into default with Mr. Cooper 's escrow! We had to pay an additional {$500.00} because of their neglect to pay ( while they withheld all our insurance money in their escrow! 
Our insurance agents date and time stamped requests for money went unanswered! 

Last year during Hurricane Micheal XXXX completely neglected to pay our FEMA flood insurance. Astonishingly they paid it LATE -on the very day that the hurricane had already PASSED our area. You guessed it, no refund and NO refund. XXXX had our insurance money in escrow at the time. We basically got zero coverage for the hurricane! But we Still HAD TO PAY and that was on time! 
It MUST BE NICE to charge people for insurance, and enjoy a virtually RISK FREE profit. 
We are quite upset that we have had to not only endure the risk but also pay the fines when they are Neglectful. 
Mr. Cooper has refused to close our escrow account. How can it be legal for them to FORCE us to use a service they are pretty bad at? Every time they pay our bills late in the escrow it costs them nothing and profits the insurance folks risk free bottom line-
Product: Debt collection

You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize t elephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX  XXXX Balance : {$4700.00} XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I sent an FTC report to Equifax back in XXXX about unauthorized inquiries on my report. I am demanding they review my request and remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

The date for the first incident t was on XX/XX/2018 it doesn't have an amount and the action that was taken from the company ( XXXX/cbna ) is that on my credit report it says that they pulled an inquiry off my credit and I MYSELF NEVER was asked or notified of this incident In any type of way because I wouldn't of allowed this to happen..and also another company named ( XXXX XXXX XXXX XXXX ) did the same exact thing to me on the date of XX/XX/2018 I did not approve or have any type of knowledge of them having a reason to try and pull my credit report and imply and inquiry which in the end added 2 more nonsense accounts to hurt my credit some and I've been working so hard to get my credit up so I can get ready to buy a house for my family! Please do help me get to the bottom of this situation Thank You Greatly!
Product: Checking or savings account

CItizens Bank incident started XX/XX/23. 

Drove an hour to the nearest physical branch to deposit a US Treasury check around {$29000.00}. It's a government issued check so wanted to do it in person. Told I have to use their virtual assistant ATM. A bank employee assisted me however with using it, saw the check, and I deposited it in the system. 

The receipt said the check may require verification, that's fine, instead my account was locked, my card deactivated, and my funds- all of my funds including what I had in the account - being frozen from me. It is a government check! I am not looking to cash it, I am depositing it. 

They tell me it was in error however are holding all of my money XXXX and say it may be available in a week. I have bills to pay and have a daughter! I get holding the check funds until they are cleared- which according the the activity in the online banking portal they are cleared- but I still can't access any of the money I had in there before. I get paid tonight and I won't have access to that either! 

I've been on hold with them talking to supervisors and others and they admit it's problem and they even tell me i should switch banks, which I CANT until I have money to do so!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an outdated " hard '' credit inquiry on my credit bureau report that they provide. 
The inquiry is dated XX/XX/2016 and was made by XXXX. 

I have contacted them to have this inquiry deleted from my credit report, with no results. 

Under the terms of the Fair Credit Reporting Act, or FCRA, passed by Congress, any credit inquiry that is 2 years old or older, must be deleted from a consumer 's credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 30 days ago in XX/XX/XXXX, I disputed an inaccurate account with Experian regarding XXXX XXXX Bank account number XXXX. Experian responded in XX/XX/XXXX by saying they had completed their investigation into my dispute and updated the status/account/information. Because they did not accurately investigate my dispute by looking at actual documents from XXXX XXXX bank to validate the accuracy of the information, Experian reported on my credit report to show " Last payment : XX/XX/XXXX '' but the payment history shows the account was current until XX/XX/XXXX, and the account was charged off XX/XX/XXXX. Because of Experian 's blatant error and disregard for the law, this information negatively impacted my credit score and I am in the process of purchasing a house. I was forced to file a complaint with the CFPB ( XXXX ) on XX/XX/XXXX. Experian then responded that they now need EXTRA time to RE INVESTIGATE my dispute by contacting the data furnisher to verify accuracy. IF Experian had verified the information of my dispute in the first place, they would have NEVER updated my credit report in ERROR. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 because, through their response to my complaint to the CFPB requesting additional time to re-investigate, they have ADMITTED that they never investigated my dispute in the first place. This is against the law, but more importantly, you have affected my credit due to your lack of investigating. You do not get extra time! The law was clear, you had your time to investigate my dispute and CLEARLY YOU DID NOT. There are no redo 's! You NEVER validated anything with XXXX XXXX, so this account needs to be deleted IMMEDIATELY because we are way past the 30 day investigation period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a handwritten letter dated XX/XX/22 stating their roles as a consumer reporting agency as well as a Financial Institution. They have a continuing obligation to protect, secure, and respect the privacy of consumers. I demanded 9 accounts to be removed from my report because they are resulted in identity theft and Transunion refuse to oblige. The unauthorized access of my consumer reports is causing substantial harm and inconvenience for me to extend credit and obtain things needed for my household purposes.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a credit card offer from USAA for a USAA XXXX XXXX credit card with various temporary benefits. The offer was to expire on XX/XX/XXXX. On XX/XX/XXXX I applied online for the card. I received a call from USAA within the hour informing me that I had frozen my credit and would need to allow them access to XXXX in order to complete my application. I immediately obtained a one time pin number from XXXX allowing USAA access to the needed credit report. I called USAA and provided them with the pin number. On XXXX I received a denial online with the reason being an inability to obtain a credit report. On XX/XX/XXXX I obtained a 2 week lifting of my credit freeze from XXXX and attempted to reapply for the card. The offer was no longer available online, so I called USAA to reapply. The representative said she would look into the situation and called me back to inform me that once they had denied my application that offer was no longer available. I advised her that it seemed like an odd decision since the error was USAA 's. On XX/XX/XXXX I received a new offer online for the same card with the same benefits, but the offer was not available to me when I attempted to apply that same day.
Product: Mortgage

I 've requested the cancellation of the property scheduled for XXXX XXXX, 2016 .I 've also notified them that a Lis Pendens that was filed in XXXX XXXX XXXX XXXX Court in Florida regarding the actual assignment that originated, created and executed in Florida XXXX Wells Fargo have denied my request even though the basic requirement of a non-judical foreclosure is the assignment. 
Also they refuse to respond through the CFPB portal and states over the phone that their response is in the mail. Their responses in the past have been, your questions are too broad or we 've responded to your request. Thank you for your attention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a goodwill letter requesting late payments be removed also cares Act ( 15 U.S.C. 1681s 2 ( a ) ( 1 ) ( f ). ) to stop adverse credit reporting during COVID-19 crisis.
Product: Credit reporting or other personal consumer reports

I contacted the collection agency and credit barrior cause i noticed accounts in collections that were not mine i expleined that i had never requested service from this lenders they adviced to file a pomice report for identedy thef wich i did the amount from collection agency called XXXX and XXXX is for the amount of {$72000.00} a very high amount i was told it was for service for my daugther named XXXX XXXX i explained that dont have a daugther named cristal but that didnt help a lot i been trying to get them to investigate and conpare signatures but no luck
Product: Credit reporting

On XXXX XXXX, 2016, I disputed charge-off information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX : ( XXXX ) XXXX. This company refused register mail from my attorney, which I have retained to assist me in resolving the matter. However, company has electronically updated the information on Equifax results dated XXXX/XXXX/2016. I then contacted Equifax to re-investigate matter providing the company with refusal confirmation from USPS and letter from company. Equifax has refused to update information given the information that I provided. I have used all methods provided by Equifax to contact company including telephone number and mailing address. When I have received now response, I employed an attorney. I believe Equifax has violated the FCRA by not reviewing documents that I provided or even taken it into consideration of continuing to report items on my credit report. I did advice Equifax that I am in the process of purchasing a house, and its actions are adversely affecting me.
Product: Money transfer, virtual currency, or money service

I am filling 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 inconvenience and financial loss, and I seek appropriate redress for these violations.