23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

United revenue corporation, has failed to provide all proper documents to validate and verify the alleged debts. Which is a clear violation of my rights according to 15 U.S.C 1692g validation of debts. I am disputing three accounts. Account number XXXX, XXXX. In my dispute I requested the following 1. The name and address of the original creditor 2. The original date of default or nonpayment of the debt with the original creditor 3. The date the debt was transferred from the original creditor to the third-party debt collector 4. The original balance 5. The current balance 6. Any fees added by your agency ( Sec.392.303 ( a ) ( 2 ) 7. Surety bond information as required by TEXAS FINANCE CODE Sec.392.101 8. *A copy of the signed contract binding both parties* 9. Verification of signed invoice 10. Payment History 11. Validation of debt that is actual accounting 12. Pay off Disclosure 13. Interest Rate Disclosure 14. Balance History and all other documentation used to validate and verify this account. 
Also United revenue failed to provide " safe harbor ''. In any of these communication letters does, nor do they explain the process and steps I can take to dispute the debt or any information in regards to my rights as a consumer to dispute the alleged debt with the CFPB or FTC. I feel like my identity has been stolen by united revenue corporation and they are trying to scam me into paying alleged debts that are not mine. There actions have caused me and my family severe mental anguish, defamation of character. It has also severely harmed and ruined my chances of obtaining credit for personal, home, and business.
Product: Debt collection

I have filed complaint after complaint against Equifax for not removing a medical collection with XXXX XXXX XXXX which I paid in full. XXXX XXXX XXXX sent out a letter saying account was paid in full and for it to be removed from my credit report even though it has a 0 balance. The other two credit bureaus had it removed in two weeks. But not them.Im fed up with them and am filing a lawsuit again them. They know what the letter said but refuse to remove it. This has been going on since XXXX of 2020. I have called them about 8 times and they start mumbling something that I am not even sure what they are talking about.
Product: Checking or savings account

I am writing to express my deep concern and dissatisfaction regarding my experience with Wells Fargo on XX/XX/year>, at the XXXX XXXX XXXX branch, where I had a scheduled business banking appointment at XXXX XXXX. Despite appearing for the appointment and presenting my valid California State Identification Card listing my permanent address at XXXX XXXX XXXX XXXX, I was denied access to business banking services based solely on the fact that I did not have a local XXXX or XXXX XXXX XXXX address. 

I was informed that my application could not be processed due to my current housing status and the use of a residential address not located within the immediate XXXX area. This denial appears to be both arbitrary and discriminatory, as California state law, federal banking regulations, and Wells Fargos own stated policies do not require local residency to open a business banking account. Furthermore, denying service on the basis of housing status may constitute a violation of Californias Unruh Civil Rights Act ( Cal. Civ. Code 51 ), which protects individuals from discrimination by business establishments on the basis of personal characteristics, including housing status or source of income. 

I am in the process of expanding my business operations and this treatment not only disrupted a critical step in that process, but also caused me personal and professional harm. The fact that I am currently housing-insecure does not give any financial institution the right to deny me services for which I otherwise qualify. I provided proper identification and followed all steps required for account opening.
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 violates 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: Bank account or service

Paypal resists providing credit for items ordered but not received. I ordered a particular XXXX XXXX but did not receive it ; instead another kind that I did not order was sent to me. This was an internet sale and the seller did not provide an address or telephone number. It is not clear where the business ( XXXX XXXX and XXXX ) is located. Possibly, it is not in the U.S. The only way to contact the seller was through email ( XXXXXXXXXXXX ) but they did not respond to the email I sent about this. Thus, I had to get the refund from Paypal itself. Paypal subjects people to very long wait times. After you reach the first person, you are transferred to their " dispute '' section. However, in fact, you are simply transferred to a bunch of recorded garbage, most of which tries to get you to use their website. 

I had to wait another 5 minutes to get the dispute department. When someone answered the phone with a heavy foreign accent that made it difficult to understand what was being said, I gathered that they would contact the secret seller that ensures that its customers can not contact them directly. I reiterated my request that I be refunded the amount of the product, a small tree, for {$21.00} plus half of the shipping cost, {$6.00}, for a total of {$28.00}. It is not clear if or when the credit will be granted. 

The receipt number that Paypal emailed to me on XXXX XXXX 2016 was XXXX. It is now over a month since I was charged for something I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts are reporting to all three of the credit reporting agencies under my name and my info, I have contacted these companies advised them, that this has to be a mistake because I have never done business with any of them and that these accounts are reporting to my credit negatively and that its is effecting my family livelihood. Please see the list of the accounts and all the details, of which i do know. 

XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$3200.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$3200.00} XXXX/XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX : {$660.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$550.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$660.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I filed a complaint with Equifax regarding my account not being updated for XXXX XXXX. I requested either the company verify info or delete account and in return my account was updated with incorrect information and my credit score dropped drastically. This is not only wrong but inappropriate on many levels as this is jeopardizing my loan to purchase a home.
Product: Checking or savings account

Scenario # 1 On XX/XX/XXXX 3 checks went into my account in this sequence 1st - {$450.00}, 2nd {$53.00}, 3rd {$25.00} which cause me 3 {$35.00} fees. According to Wells Fargo available balance & posting order from page 21, it says, " pay to checks and preauthorized automatic ach payments from lowest to highest dollar amount '' They have done this to me for months. sometimes they do it from lowest to highest and sometimes from highest to lowest. 

Scenario # 2 On Approximately XX/XX/XXXX, I called to replace my account do to a lost check book with unknown number sequence. They mentioned to me that they couldn't replace my account at that time until a new acct representative calls me back. Customer service asked if I wanted to block all transactions or checks only, I requested ALL transactions to be blocked since I couldn't deposit into the account with high risk. Transactions still came in and was charge 4 fees. They  never put an all block hold and they said they couldn't do anything about the fees.
Product: Vehicle loan or lease

I have tried to pay the lease amount for the month of XX/XX/2018 but there was GM website error that showed XXXX $ due that let me to understand that there still time to  pay. 

Also GM Financial did not report to credit bureau every month due to some convergence issues. I have been monitoring my creit report every month for past 6 months and this did not show up. I also did not get a curtesy call from GM that my payment was late. 


Considering all these issues, I request GM Financials to help remove the latepayment as a onetime curtesy due to these errors
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive requested proof via mail and online of a judgement that was attached to my name on XX/XX/2017. I also submitted these papers as I was a victim of identity theft. 

Currently, Transunion will not let me log in to their online portal to review my report or submit a dispute. Ive had this account for over 5 years and now I am not able to log in. 

1. When the investigation came back they advised the said judgement was accurate. Transunion did not provide any documentation that would solidify that this information is accurate. Proof should be provided and not just a broad statement that what was reported is inaccurate. What is accurate? 

3. When I reached out to XXXX XXXX regarding the release of inaccurate information I was advised via mail at my address which is on file with Transunion which included my name that I could not be located in their system. 

Transunion is falsely reporting inaccurate information and anything tied to this judgement should be removed immediately. 

Transunion should provide valid documentation to me as the consumer on how this information was validate for accuracy if I am not in XXXX XXXX database.
Product: Debt collection

I have received this type of letter at least two other times. It lists XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, Capital One and XXXX XXXX. 

It does not list the name of the SENDER or where this is from. 

It tells me what may happen if I " Fail to Respond ''. 

It only lists a Notice Number, Notice Date and Contact Phone Number. 
Then it lists a debt amount and a Settlement Amount with Proposed Payment Program Amount for 12-36 months. 

I do have a Capital One card but none of the others. I also am in good standing with my Capital One card. ALSO, I do not have near the amount of debt they are claiming. I don't even have near the amount they are asking to " settle for ''. 

There is no company name. I do not owe them. They should not have my information to begin with so I do not want them to " look me up '' by any of MY INFORMATION or contact me regarding this information. It is not mine. It is fraudulent.
Product: Mortgage

AS I HAVE REQUESTED several times that you provide me with proof that my loan was delinquent. i also asked for you to provide a payment schedule from the XXXX  from XXXX that was paid on my account. where did those monies go. also i asked for monthly payout after you received funds and all payments from XXXX XXXX XX/XX/XXXX. Again i was not in default of any payments because the XXXX  brought me current. prior to the first loan modification that was signed in XXXX from WF, why would i have needed another one in XXXX. Again i regain employment XX/XX/XXXX and made every payment on time prior to the partial claim XXXX i never needed a mod. WF submitted this paperwork in an attempt to scam like they have in the past. WF has a very lengthy name of scamming homeowners out of their home by not approving their loan mod. they denied my mod i know 10 times or more before they approved it back in XXXX, when the NCHFA send them monies. Here 's my questions again 1. what happen to all the monies i received form the XXXX  ( i am requesting your copy of payout ) 2. If i wasn't current what happened to all my payments from XXXX before the partial claim, where you said i was only making interest payments. all lies and 3. show myself and the CFPB proof that i was delinquent when i was making payments. 4. i would like all payment hx from XXXX showing where monies was giving on my behalf to settle my acct and bring me current. please provide proof and not just answering questions WE WANT PROOF OF YOUR CLAIM where was this money applied
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( Original Creditor : ) XXXX Balance : {$800.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed negative items on my consumer report with Experian on XX/XX/2023, unfortunately I didnt send it certified mail so I cant prove when Experian received it, and I already know that its just my word against their word. I do know that I sent Experian a dispute letter, and they have not yet responded, and by law they are required to respond within 30 days after receiving a dispute letter from the consumer. 

Attached to this complaint is a copy of the dispute letter I sent Experian, and since they have not yet responded to my first dispute, I am requesting that they delete all items that I have listed on my attached dispute letter since they are in violation of the FCRA, which makes all my disputes unverifiable. If Experian indicates that they never received my dispute letter, then I am requesting that Experian conducts a Consumer Investigation, not just a verification with the furnisher of information. 

15 USC 1681a ( e ) indicates that a consumer investigation means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items of information. I will expect Experian to give me the names and phone numbers of those they spoke with after their investigation, otherwise the negative items on my consumer report will be unverifiable and must be removed. 

Thank you for your cooperation Sincerely XXXX XXXX
Product: Vehicle loan or lease

XX/XX/year>, I tried to pay off the full pay off amount, which was about $ XXXX from what they quoted me. I told them to go ahead and charge pay off amount. They then said that I would only be charged {$6100.00}. Under the impression that would be paying off the vehicle. They transferred me to third party vendor to pay over the phone, which ended up being XXXX separate transactions of XXXX, XXXX, and XXXX, all with service fees. The amount charged was {$6100.00}. More than they said they would charge me, less than what they quoted me. I call back XX/XX/year> to make sure the payment have posted to the account and see about getting the lien release sent. They confirmed the payment posted but denied me the lien release as I stilled " owed $ XXXX ''. The bank being Ally bank. I have spent more than a few hours total trying to get this whole situation figured out from trying to pay off the vehicle to trying to figure out why I still owe on this vehicle.
Product: Mortgage

Gregory Funding is trying to collect $ XXXX month ( over {$2400.00} a year ) for my escrow account on my mortgage. I've provided proof that my current property taxes for this year have totalled to about {$910.00} for the year. They have said they would reexamine my escrow, but have not contacted me, not has my escrow amount due changed.
Product: Checking or savings account

I am writing to dispute inaccurate information on my consumer report that is being provided by Lexis Nexis. This misinformation is hindering my ability to open a bank account, and I request its immediate removal. Additionally, I request that Lexis Nexis provide proof of the accuracy of the disputed information in accordance with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. And in accordance to the FCRA, XXXX  account numbers XXXX and XXXX has violated my rights. 

15 USC USC 1681 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 604 A SECTION 2 STATES CONSUMER REPORTING AGENCIES CAN NOT FURNISH ACCOUNTS WITHOUT MY CONSENT
Product: Mortgage

From : XXXX XXXX Sent : Wednesday, XX/XX/2018 XXXX XXXX To : XXXX ' XXXX Cc : XXXX ' XXXX ; XXXX XXXX XXXX Subject : RE : VA Case # XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX, XXXX Hello XXXX, What kind of education does it take to  earn the title of Senior Feds Specialist? Is that another title that Quicken made up? I assume by you making this request you are a licensed loan officer which also means youre out of compliance and have violated Federal and State licensing requirements by sending this email without your NMLS ID in your signature. If youre not licensed then someone over there should be pretending to work for The Feds department as if youre a representative from the  Federal government is a violation of a multitude of lending laws. As if that werent enough the bait and switch tactic you all have been using to poach clients from other lenders by sending out unrealistic terms on your Loan Estimates is about to come to an end. This particular client that youve just requested a case transfer from has a signed application with XXXX XXXX and Quicken has yet to provide a true and honest GFE to this borrower so that he can compare rates/costs and hes being misled by the Loan officer or whoever is handling his loan. Lastly Quicken Loans already sent an appraiser to this borrowers house and has a completed appraisal without obtaining the VA Case Transfer prior to that fact. Its hard to see anything honest about the business practices over there. Ill make sure to raise this issue with the CFPB and the NMLS. Enjoy your day. 


Regards, XXXX XXXX Loan Officer XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ( Direct Line ) ( XXXX ) XXXX ( Fax ) XXXX NMLS # XXXX - Originating Loans in AL, AZ ( XXXX ), CA, DC, FL ( XXXX ), KS ( XXXX ), NC, OR, OK, WA XXXX and WI. 
Company NMLS # XXXX From : XXXX, XXXX XXXX On Behalf Of VA Case Transfers Sent : Wednesday, XX/XX/2018 XXXX XXXX  To : XXXX XXXX XXXX Cc : VA Case Transfers XXXX Subject : VA Case # XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX, XXXX Hello, Please transfer the above referenced case number into Quicken Loans name. The required information for the transfer is below. In addition, the Veterans signed transfer letter is attached. 

1. Lender ID -- XXXX 2. Sponsor ID if applicable None needed ( we are LAPP Approved ) 3. Email address of the new SAR attached to the case - XXXX 4. The name of the individual who is the new lenders point of contact. XXXX XXXX 5. The phone number of the individual who is the new lenders point of contact. ( XXXX ) XXXX 6.  The email address of the individual who is the new lenders point of contact. - XXXX **Please also confirm if the appraiser has been paid** If you could so kindly respond to this email letting us know when this request has been completed it will be greatly appreciated. 

Thank you in advance and have a great day! 

Best Regards, XXXX XXXX | Sr. Feds Specialist - The  XXXX XXXX : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX Fax : ( XXXX ) XXXX
Product: Prepaid card

Today argued with me about taking using money on my card. Identy theft issue long term. They know. Never received new one. They are constantly trying to take identity theft issue like it does not exsist.
Product: Checking or savings account

I opened an account wi th Citibank for a {$500.00} promotion. I had to open a checking and savings account and put {$50000.00} in within 30 days. I also had to switch to paperless statements. I followed all the directions on point. They decided to close my checking account without prior knowledge nullifying my credit to the {$500.00} even though {$50000.00} is still in the savings. This was deliberate in an attempt to deny me the prom otion.
Product: Credit reporting, credit repair services, or other personal consumer reports

A. XXXX XXXX, 2017 B : TO EQUIFAX XXXX XXXX XXXX XXXX XXXX 
1. XXXX XXXX BELIEVES EQUIFAXS INCOMPETENCE AND NEGLIGENCE CAUSED HACKERS TO GET HIS INFORMATION. 
2. CONFIRM YOU LOST CONTROL OVER MY INFORMATION TO HACKERS. WHEN AND WHERE BY WHOM? 
3. YOU COLLECT INFORMATION OVER WHICH I HAVE NO CONTROL BUT ARE NOT REGULATED. YOU HARM WITHOUT ACCOUNTABILITY. 
4. LIST LAW FIRMS WITH CLASS ACTIONS AGAINST EQUIFAX FOR THEIR INCOMPETENT BREACH OF DATA HARMING 5. WHAT MONEY ARE YOU PREPARED TO COMPENSATE ME WITH FOR MY PROBLEMS? 
6. SEND ME FREE CREDIT REPORT AND CREDIT SCORE NOW. 
7. ATTACHED IS ID. 
XXXX XXXX LIVES AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX BUT ALSO GETS MAIL AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX2017