23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

In XXXX of 2015 my property had some water and mold damage. While completing the repairs M & T bank refused to release funds in a timely manner to complete my repairs. First I was advised because I had mold damage I had to produce an estimate and paid receipt. I informed them that I did not have funds to pay the mold removal upfront hence why I needed the check. They advised me that an inspector had to come out. I stated that was not a problem. Inspector came and stated the work was completed with a XXXX % satisfaction ( this was for the mold mediation ). 
My insurance company issued additional funds to complete adding new, insulation, sheetrock, plaster, sanding and painting. The bank stated another inspection was needed to release funds. I advised that an inspection was just done and they stated another one was needed. Another inspector came out and stated that it was 90 % satisfaction. The bank still delayed on releasing the funds. They held the final insurance check for over a month before releasing the funds. Each encounter with an M & T rep I was told something different. When I finally had the check cut it was made out to both the contractor and myself and the local Branch refused to cash the check. 
I spoke to XXXX from their lost draft department, and she stated the bank rep called and was advised that the funds could be released. The bank rep XXXX stated the total opposite. As of XXXX/XXXX/2015 I have still not have not been able to cash the check. Until this point M & T bank issued all checks to me however, nowhere is these new processes published on their corporate website Mtb.com Consumers are at the mercy of which ever agent answer the call there is no consistency in procedures or communication from neither the loss draft department nor the branch to process the checks. 
During my encounter I have advise them of my frustration and inquired why has there been these change and the agents have not been able to explain. The local branches are not familiar with the new procedures, nor can they explain why the checks are being issued to both me and the contractor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX with a XXXX XXXX of XXXX. I have an account with Experian in which I log into regularly and they send updates to my email regularly. I checked my score with Experian the day I received the letter from XXXX and my score was XXXX. This is a significant difference and I am currently working to improve my score and have been for months. I would like this information corrected.
Product: Credit card

As a background summary, I had an issue with fraudulent charges on my account and getting the matter resolved in a timely, effective manner. Due to my complete disgust with Wells Fargo 's handling of the matter, when it was finally resolved ( on or around XXXX XXXX, 2016 ), I demanded that my account be closed. I was told that it was and I confirmed this by logging onto the institution 's website approximately 3 days later and confirming that the account was removed. 
On Thursday, XXXX XXXX, 2016, I received an e-mail that my Wells Fargo statement was available for viewing. While the balance was {$0.00}, someone re-opened my account. I believe this is related to the checking account scandal. I do not know if this type of activity ( closing and then re-opening accounts ) was included in your investigation. If it was not, it should be. 
I have notified Wells Fargo of ( a ) the re-opening of my account and ( b ) my filing a complaint.
Product: Debt collection

The original creditor XXXX XXXX XXXX opened the account XXXX XXXX. Debt was last reported XX/XX/2017 and was paid. The account is showing closed in the amount of {$0.00}. I was told by company that account would be completely removed from credit report once paid. Having this account showing on all credit reports display negatively to future creditors.
Product: Credit reporting or other personal consumer reports

Regarding the following accounts I did not authorize the opening of these accounts and have never conducted any business with them. I have no knowledge of their existence and have not signed any contracts related to them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please note : Under the consumer law ( 15 U.S. Code 1681c-2 ), " 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 no later than four business days after the date of receipt by the agency of : Appropriate proof of identity of the consumer ; A copy of an identity theft report ; and I request that you immediately block and remove these fraudulent accounts from my credit report in accordance with the Fair Credit Reporting Act. 

I look forward to your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Please reference previous complaint ID XXXX against XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX continues to engage in deceptive business practices, as they have apparently sold our " debt '' to another agency, Tate & Kirlin Associates , Inc. Tate & Kirlin Associates , Inc. is the subject of this new complaint, as they are now engaging in harassing techniques to collect a " debt '' we DO NOT OWE. A letter was sent to the home of my parents on XX/XX/XXXX stating that we owe {$1300.00} for an account with Defenders/ ADT XXXX It was already established with Defenders and XXXX XXXX XXXX, XXXX. that there is no debt and we do not owe anything to anyone. 

Today ( XX/XX/XXXX ) I called Tate & Kirlin Associates , Inc. to let them know, and they easily located the account and verified my full name. They then refused to help me unless I provided my date of birth and new mailing address. I am obviously not going to give this information to anyone I don't know over the phone who is engaging in false debt collection practices against me. The man I was speaking to stated if I was not willing to give this info, he would not help me and hung up. I'm certain they will continue to harass my extended family for debt we do not owe. I can only assume this is just the beginning of a harassment journey with Tate & Kirlin and I am not going to put up with this again. 

At what point will this false debt stop following us?! Is it illegal for XXXX XXXX XXXX to pass " debt '' on to Tate & Kirlin knowing the case was closed and we don't owe anything? Is it illegal for Tate & Kirlin to attempt to collect on a debt they know we don't owe? I'm assuming they are in possession of our contract with Defenders that shows a very clear {$0.00} BALANCE. 

Letter from Tate & Kirlin is attached. I don't know who I spoke to there today, but it was a man at XXXX at XXXX EST.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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 items in my credit file that came about due to an alleged identity or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$410.00} XXXX XXXXXXXX XXXX : {$6100.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Checking or savings account

I am trying to link my bank account to XXXX and it says that pnc is blocking this.
Product: Mortgage

My mortgage is through XXXX, I pay my payments at XXXX but they say the loan is serviced by MyLoanCare. I am unable to get either company to respond to my requests for information. My homeowners insurance changed dramatically ( from $ XXXX/mo to ~ $ XXXX/month ) and I no longer have an escrow but these companies are still charging me the original amount and I can get no one on the phone who can address the issue. I have sent multiple e-mails and 'contact us ' thru myloancare and freedom mortgage websites with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer filing this complaint against Equifax because they have ignored my multiple requests to remove Unproven, NON COMPLIANT, or Unverified adverse accounts on my consumer report. Equifax has continuously reported a bankruptcy item and subsequent accounts as VERIFIED/ACCURATE and, pursuant to 15 U.S.C. 1681 ( a ) ( 1 ). I noticed these accounts that are on my consumer report. 

1. Account Name : XXXX XXXX XXXX  XXXX Docket Number : XXXX Pursuant to 15 U.S.C. 1681b, I am demanding to see in writing where I gave Equifax written instruction or permission to report this erroneous information on my Consumer Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates.

Equifax has defamed my character, my reputation, my credit worthiness, my standing, my capacity, and my mode of living.

All of these violations are a direct violation of 15 U.S.C. 1681. No consent is identity theft, and these violations are Aggravated Identity Theft, pursuant to 18 U.S.C. 1028b ( 1 ) ( A ) ( ii ). You have knowingly, willingly, and intentionally transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable by up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX  XXXX {$6000.00} XXXX XXXX {$63.00} XXXX XXXX {$1000.00} DEPTEDXXXX  XXXX {$1700.00} DEPTEDXXXX  XXXX {$720.00} DEPTEDXXXX   XXXX {$1700.00} DEPTEDXXXX XXXX {$1700.00} DEPTEDXXXX  XXXX {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a loan by XXXX XXXX XXXX after two inquiries provided misleading and inaccurate information. The two companies that provided the derogatory information were XXXX and XXXX XXXX. I have requested specific information from all three entities to elaborate on this information used against me and gotten no response.
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please REMOVE them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting wrong information please get them off my record see the attachment FCRA, FTC violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for an equity line of credit and during the application process, my banker identified an account from Toyota Motor Vehicle Finance. Which showed in my credit report as a bad debt, nonpaid. I have no idea about this loan, I have never owned a XXXX vehicle or ever financed a car through them. I called Toyota Finance on XX/XX/XXXX, and I found out there is another loan under my name and social security number for a XXXX XXXX XXXX under my name and someone else. Toyota Finance tells me the entire process will take about 30-45. It's so unfortunate that I have to wait that long for identity to be determine and I am in the process of applying for a mortgage loan because this is making it very difficult to get the loan. I appreciate your prompt response and attention to this important matter.
Product: Credit card or prepaid card

I when to XXXX to buy something but the cashier told me that I was not able to purchase because I was not the card member, his name was XXXX and he called the manager and confirmed that I was not able to buy the product, at this time he returned my credit card and passed the next person, I did not signed any bill or was able to purcharse anything and I spoke with chase and explained but they don't want to hear They taking XXXX side since the first time. 

XXXX XX/XX/2019 XXXX $
Product: Debt collection

This company Transworld Systems , Inc, did not send me an opportunity to ask for validation of the debt and just went ahead and reported this alleged debt to my consumer report which violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. As of right now, I am seeking for validation of the following account # XXXX before I proceed with litigation as I did not endorse a contract with Transworld Systems , Inc . In order for me to validate this alleged debt I am requesting all of the following and if you can not provide all of these items I demand to be compensated for damages and for the ceasing of credit reporting. The following items are : ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).

( 2 ) Information about the debt.

( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

( ii ) The consumer 's name and mailing address. 
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. 
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. 
( v ) The name of the creditor to whom the debt currently is owed. 
( vi ) The itemization date. 
( vii ) The amount of the debt on the itemization date. 
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.

( ix ) The current amount of the debt.

( 3 ) The entire purchase agreement, not just the bill of sale
Product: Checking or savings account

JP Morgan first approved an external account for transfers from my checking account that I linked to my JPM account ( XXXX ) and then refused to put through a scheduled transfer for it. In the process, it degraded my credit score and made me miss a payment the transfer money was needed for. 

When I first called the customer service number to get help, a recording said the waiting time was 30 minutes. After 45 minutes, a person actually came on the line. After I gave her my checking account number, she then demanded my credit card number. I told her to wait while I got the credit card number. She did not wait but instead put me into an automated system. After it asked for the same information, at least 2 more times, a recording said it would be another 20 minutes to reach anyone. 

I also tried to request information online under the transfer page, to see what idiotic explanation JP Morgan would provide about why it first approved an account to make external transfers to and then, when one was attempted, cancelling it. But the online robot, like the live one, was also dead. 

Why does the CFPB allow JP Morgan to habitually fail to provide services it widely advertises? 

Why does the CFPB fail to sanction and penalize this bank for habitually lying and giving customers the run around? Why doesnt it prevent JP Morgan from opening new accounts for an extended, indefinite period of time, until it actually provides advertised services on accounts already opened? Why doesnt the CFPB act according to what everyone else knows about this bank : it is too big to fail, jail, manage, or even hold accountable by the CFPB. 

As I write this, I have been on hold with JP Morgan 's customer service number for over 1 hour and 15 minutes. It will be longer, I am sure, than it will take me to finish this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit report and noticed there are numerous errors regarding XXXX XXXX XXXX I see that the last active dates are different. Dates of last payment are different. On my Experian report it has been reporting C/O and on my XXXX the payment history doesn't match. From my understanding under the FCRA all info on my credit report must be 100 % accurate. There are XXXX accounts that are reporting the same mistakes. I have not received a XXXX regarding the charge off for both of these accounts neither. Dispute letters have been sent and nothing has been resolved to fix this.
Product: Student loan

In XXXX of 2022, I enrolled in a payment plan with my student loan through Discover. Under this program, my account would become current if I made XXXX on time monthly payments, and any delinquent loans would not be reported to a credit agency while on the payment plan. Unfortunately, on XX/XX/XXXX, after making the payments for XXXX, I received a phone call saying my account was past due. I called Discover a few days later to see what was going on, and was told that the payment plan was erroneously applied on the account level and not the individual loan level. This created a problem where certain loans were paid off early while others went delinquent. I was told the issue would be fixed. I got the same call XX/XX/XXXX, and again, after calling, was told the issue would be fixed. I am finding out today, XX/XX/XXXX, that not only was the issue not fixed, but that Discover also reported the erroneous delinquencies to credit bureaus. This has affected my credit by about XXXX points, which is preventing me from finding a new apartment, as my lease is up XX/XX/XXXX. I have been on the phone for over an hour today trying to remedy the situation.
Product: Mortgage

I have 3 issues with this servicing company ; 1-They are located in XXXX, Ill for payments to be sent.when the weather was so bad in XXXX & XXXX the postal service was not able to deliver the mail on time & they did not get my TIMELY PAYMENT until the XXXX of the month & I was charged a late fee- this happened once before & also with another company in XXXX- that I got corrected.I sent Fay Servicing a copy of my money order which WAS ALREADY PAID out to be on time & they still would not waive the {$6.00} late fee.I can not control the weather or the postal service & in this pandemic- I am current- even though the Governor from Florida is allowing tenants NOT TO BE EVICTED for the 5th month & I have 2 who owe for months & refuse to move.the fee should be waived.2-When this company took over the servicing of this loan- they were NEGLIGENT in not handling the escrow account & getting the payment to include the taxes & insurance & actually lowered the payment . I contacted them about this & they stated it was correct. Well it was NOT & then they raised my payment up to {$430.00} from {$200.00} causing me a financial HARDSHIP because they did not handle it correctly & there was a shortage.The normal payment was {$250.00} & never should have been lowered. i can barely survive & this has stressed me & puts me in jeopardy because of their mishandling of the acct.-they need to be accountable for the error.3-I only owe {$34000.00} on this loan & they have forced insurance for more that the loan amount- for {$44.00} of coverage & it is to be for the loan value ONLY- they have made another error & the insurance increased quite a bit & they are overcharging me & I want this corrected. Thank you in advance.
Product: Credit reporting or other personal consumer reports

Updated XX/XX/year> I am writing to formally file a complaint against Amsher Collections Agency regarding an erroneous debt of {$690.00} that they claim I owe. I assert that this debt does not belong to me and that I have no prior engagements, agreements, or transactions with this company.

Despite my attempts to resolve this matter directly with Amsher Collections Agency, they have incorrectly verified this debt as valid. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which mandates that debt collectors must cease collection activities unless they can provide accurate verification of the debt.

1. No Contractual Obligation : I have no contractual or financial relationship with Amsher Collections Agency or the original creditor ( if any ).

2. Failure to Provide Proper Validation : Amsher Collections Agency has failed to provide sufficient evidence to substantiate their claim. Under 15 U.S.C. 1692g ( b ), I have the right to request and receive proper validation of the debt, including : Documentation linking the debt to me.

Evidence of the original creditor and account details.

3. Potential Violation of Fair Credit Reporting Act ( FCRA ) : If this debt is being reported to credit bureaus, Amsher Collections Agency may also be in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to investigate disputes and ensure accuracy.

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Amsher Collections Agency : Immediately ceases collection efforts for this alleged debt.

Provides verifiable proof of the debt or removes it from their records.

Corrects any inaccurate information reported to credit bureaus.

I appreciate your attention to this matter and look forward to your assistance in resolving this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of fraudulent abuse. XXXX XXXX XXXX I did not authorized for them to do anything to my account nor credit report I did not use their money someone used my information and now im stuck with this bad credit report that I do not deserved! Im asking for this to be removed and further investigation!!