23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I believe the account is invalid. LVNV FUNDING LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. LVNV FUNDING XXXX.
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. Thes actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 credit inquiries from XXXX XXXX XXXX XXXX listed on my Equifax credit report that are unauthorized. I never applied for any credit with XXXX XXXX XXXX XXXX. The credit inquiries are fraudulent and unauthorized.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my Experian Credit Report and noticed there was a Collection Account from XXXX XXXX XXXX reporting that I have no knowledge of. This is a fraudulent account. I contacted the company, and they ignored me, so I filed an FTC Identity theft report. I have attached the report with this complaint. 

XXXX XXXX XXXX Opened XXXX, XXXX  Amount : {$1600.00}
Product: Credit card or prepaid card

I purchased a pair of XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 and when I received the item I saw it was fake declare value on the package was {$10.00} so I opened and dispute with XXXX they told me to return the item to the seller to receive full refund. 
I did return the item on XX/XX/2019 and somehow the item could not make to it's destination because I believe the address the seller provided is not valid. 
The item was stuck in transit for more than 4 months and I thought the item was lost since XXXX and USPS International could not help me out so I panicked and opened another dispute with discover which was the card I used to make the purchase. 
Then I lost the case with discover card because the item was lost and not delivered to the seller and I didn't have any other support evidence to keep the case alive so they close it while the package was in transit to seller 's destination. 
Somehow 2 days ago I received the item back since it couldn't the delivered, I contacted XXXX to tell I received the item back which according to their policy I am legible for a refund but XXXX can not issue the refund because Discover card now is in charge of the dispute which is closed so I have been calling both departments back and forth and none of them can help me and feel stupid. The item I have in my possess is not worth {$900.00} dollars and I need your help.
Product: Credit card or prepaid card

I went into Bank of America XX/XX/19 to close out my checking account and leave my credit card account open. My credit card had automatic payments through the now closed checking account. Bank of America 's online banking platform did not let me add or adjust and new payment methods to my credit card due to a glitch in their system. I made a payment through their phone system manually on XX/XX/19 to satisfy that month 's payment. I contacted them again several days later to fix my online banking profile to a " credit card only '' profile which would then allow me to make payments from an external bank account. With their assistance, I updated my automatic payment instructions to be debited from my new bank account and I did exactly as I was instructed to have all automatic payments come from my new bank account. On XX/XX/19 this automatic payment was made for {$17.00}. On XX/XX/19 this payment came back return unpaid and Bank of America charged me a returned payment fee of an additional {$17.00}. I got two letters in the mail on XX/XX/19 that this payment went unpaid. After multiple phone calls on XX/XX/19 I found out that this was unpaid because the automatic payment tried to pull from my now closed Bank of America checking account instead of my new external account. Bank of America refuses to refund the return item fee because it was deemed not a bank error since I was the one who set up the payment, even though it was entirely through their instruction on how to set it up and I was reassured all future payments would come through my external account. I tried to get the issue resolved in person at a branch, through multiple phone calls to their credit card support and escalated to a supervisor and all attempts were unsuccessful. After spending hours trying to get this resolved, I closed my credit card account on XX/XX/19 by paying off the full amount including the extraneous fee as I no longer could deal with their unhelpful customer support.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile seems to not exist even though I had an open XXXX Department of Education loan in good standing with XXXX XXXX since XX/XX/XXXX and other loans since XXXX. So why do I not have any credit profile with my name XXXX XXXX XXXX on any of the credit bureaus? Why are they denying me my opportunity to obtain credit? This is a clear violation of the equal protection clause, the Fair Credit Act, Consumer Protection Act, American with Disabilitirs Act, and countless other federal and state statues. You can't just delete a profile and not report an account like a student account from the federal government that is in good standing, but if it were in default you would report it in a heartbeat. I demand an investigation and a statement on my credit profile when you are mandated to publish it stating what you have done so that crodiy.compamies know that the credit bureaus are disgusting and a new bureau should be established ( the XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has not contacted me in 40 days and i still havent received anything delete all negative accounts not mines I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I have filed a complaint with the FTC due to your noncompliance with the FCRA. it has been over 35 days since I have sent my request to investigate the removal of the following accounts, and you have failed to comply with the FCRA. 
In good faith, I ask that you please reinvestigate the following items, and promptly DELETE inaccurate, incomplete or unverifiable accounts : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX   XXXX XXXX Balance Owed : {$0.00} AMEX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Balance Owed : {$0.00} AMEX XXXX Balance Owed : {$2600.00} XXXX XXXX  XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$1300.00} Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Copy of SSN ID and Proof of Bil
Product: Checking or savings account

I was a Wells Fargo customer. I could never get approved for anything and the overdraft fees were ridiculous
Product: Checking or savings account

i made a claim with Citibank according to some fraud charges, this charge was made same location as the one being appeal and previously opened a claim with you guys here a Finacial Protection Bureau, they did open an appeal to re investigate the case on that end, but for some reason one of the charges made to my account was now taken back again from Citibank stating they found no error this transaction was made the same as the other one stated on the previous claim, don't know why Citi banks returning these funds and making my account negative, the transaction was on the same date as the one previously claimed it was made on XXXX XXXX for amount XXXX XXXX it was previously giving to me as a temporary credit but now has been token away making my account negative, in the appeal this also should be added because all other charges made in that city of Las Vegas were all returned to me and were finalized but for some reason this one isn't, don't make sense there were all made same location, and Citibank is failing to do a proper investigation and return me my stolen monies. Please help in this case to hold bank accountable for these mistakes and ensure i get a proper conclusion to all this. 
Transaction Date : XXXX XXXX, 2022 Amount : {$120.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I've tried to get a fraudulent collection agency account deleted from my credit report. I was notified that a XXXX XXXX collection action for {$1400.00} was listed on my XXXX credit report. I called XXXX XXXX and was advised that an account was set up and service provided in Florida using my personal information. I informed them that I never lived in Florida so it was a case of stolen identity, I filed a police report and for the past two years have been trying to get the entry off of my credit report with calls to XXXX XXXX and XXXX. I went online and asked to remove all the incorrect addresses from my report. I also noticed that there are three separate entries for the same XXXX XXXX action with three different collection agencies opened on three separate dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has made the process of removing the false information even more difficult. I've provided XXXX and XXXX XXXX with all the information to prove the identity theft but the fraudulent delinquency remains on my credit report. 

I appreciate any help you can provide to clarify this issue.
Product: Checking or savings account

Opened checking and savings account with Citibank to receive their {$400.00} or {$500.00} Checking Offer ( " Checking Offer '' ). Requirements were to open joint checking/savings with a deposit of at least XXXX, keep this balance for at least 60 days, have a qualified direct deposit made for two consecutive months. 

Initial deposit was made through a wire on XX/XX/19 for XXXX into the checking account. Then moved XXXX to savings for a combined deposited amount of XXXX, also on XX/XX/19. The balance has been at XXXX since initial deposit with additional deposits each month. They did charge a fee by mistake on XX/XX/19 but refunded it on XX/XX/19 and stated this would not affect the promo, # XXXX. My biweekly ach paycheck was added on XX/XX/19 and has been deposited ever since. 

On XX/XX/2019 I received an email I was ineligible, stating The required deposit balances were not maintained during the offer period. I called Citi Bank the following day was said a case would have to be opened, I have not heard anything since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up two loans on XX/XX/XXXX for a total amount of {$2800.00} from the Department of Education/ OSLA. I only attended one semester at XXXX University so no further loans were opened after XX/XX/XXXX. The Department of Education never reached out to me nor my parents one time ... even though, they had all our information. One day I was curious and decided to randomly check my credit score and saw it was knocked down 155 points. I immediately called the Department of Education to find out what had happened. It's XXXX and they never thought of reaching out via phone or email. Instead, they were only sending physical mail and on top of all that they had the wrong address. My intentions aren't to bash the Department of Education/ OSLA , I just believe it's not fair for them to send a 90-120 day past due notice to collections when I never received one phone call or email that this was occurring. I'm a young kid who prides himself on doing things right and especially with something like my credit score. I really hope you guys could resolve this problem for me ... it would be greatly appreciated. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX filed inaccurate dollar amounts as delinquent notices to credit bureaus. I have called numerous times and supplied them with an explanation of events surrounding the claim twice. I supplied XXXX with screen shots from Experian from my credit report. XXXX has responded but their explanations for not being able to resolve the issue or proceed with my request have been : No specific item was requested for investigation, no supporting documentation was received, the direct dispute is substantially the same as previous dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like I'm being followed by either visa or XXXX. XXXX XX/XX/2013 via the XXXX ( XXXX XXXX transit authority ) when I had been under the impression I qualified for a 30 day XXXX travel employee benefit ( in the form of a XXXX ) I worked at XXXX at the time. I hadn't at the time had a credit card. Since Ive had some major health issues, I've only now been able too get in touch with a company called XXXX ( via airline travel. ) As an attempt too reconnect with my employer. On account of Wondering how I had come too know XXXX initially. I'd come across an opportunity too open an account with chase again, and a chase XXXX themed credit card, I could swear looked specifically for me. I've found myself at rock bottom w/no credit history, collecting debit cards as long as I know their activated in the back of my mind. Currently XXXX requires payment from me.
Product: Debt collection

I recieved a response from GATESTONE & CO through CFPB that they have no authorization to remove my information from XXXX  credit report. I just recieved a new letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX stating that GATESTONE & CO was assigned to this account XXXX. Please read attachment. In this case I am asking GATESTONE & CO to provide these Items or have my credit report cleared ASAP. 

Here are items Needed : 1. Please provide your License to collect debt in IDAHO an Unincorporated Jurisdiction ( The Dejure ) and or The State of Idaho ( The Defacto ) A Foreign Entity ) 2. Please Provide your EIN Number 3. Please Provide a Chain of Custody for the alleged Debt 4. Please provide the original purchase agreement that shows you are legal owner of this alledge debt.

5. Please include all the terms and codition that are included in this purchase agreement.

6. Under USC 1962G Send a FULL detail list of the payment history on this account.

7. Has there been any insurance claimed found on this Debt?

Once again, If you can't perform or provide any of above items please remove from credit report or it will be considered violation of my rights under 15 U.S. Code 1692b. Under 15 U.S. CODE 1692k Civil Liability any debt collector who fails to comply with any provision of this subchapter 2A in the case of any action by an individual, such additional damages as the court may allow, not exceeding {$1000.00}.

From this point, ALL or ANY mailing that is sent from GATESTONE & CO or XXXX XXXX to this property MUST be sent by Certified Mail.
Product: Mortgage

My mortgage servicer ( SHELLPOINT MORTGAGE ) since the inception of the cares act has been putting my mortgage in forbearance and upon my request has deferred the forbearance to the end of my mortgage until recently they are now telling me I'm no longer eligible for a deferment and are looking to make payment arrangements with me while I'm still in XXXX   due to covid. 

It is to my knowledge according to the Cares Act that I can request a deferment for the first 180 days and if need be can request another 180 days if still in hardship with no questions asked of my current financial situation due to covid. 

I have not been able to speak with my representative XXXX XXXX of Shellpoint Mortgage. He claims he has called me but never leaves a message regarding contacting me. He did email me saying he called me and I emailed him back and have not received a response to my question about defering my mortgage and how I understand that I have 360 days where I can defer my mortgage and other representatives I am getting on the phone are telling me I'm ineligible for deferment? 

Also I have concerns about my escrow as to who should be paying my taxes and home owners insurance? I understand that the servicer ( BANK or SHELLPOINT should also be paying that as well???
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act 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 Secton 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

{$78.00} payment to progressive that shows a XXXX balance but hasn't been removed from the credit report. 
I would like this immediately wiped from my credit report. And if there is a fee for that I will pay it. Thank you
Product: Debt collection

On or around XX/XX/2023 I moved out of XXXX XXXX  apartment due to fear of my safety after reporting several incidents that happen while living here like someone setting my semi on fire, cars kept getting broken in and the last straw someone taking all my tires off my car leaving it on bricks. I talked to the manager they agreed to let me leave and transfer to another apartment complex out of the district when I told them I cant do that and I found my own house and gave them my move out date they then added false amounts of debt to my credit report once I moved. Which is stopping me from getting another home. When I left they apartment I left it clean with no damages.
Product: Mortgage

In XX/XX/2020 I paid off loan XXXX and have not received my XXXX escrow balance. Sun West is unfairly keeping the escrow despite even showing it on my XXXX tax return as refunded. This is outright fraud and deceptive and should be evaluated as a Consent Order and Enforcement action against Sun West.
Product: Money transfer, virtual currency, or money service

I did a financial money transaction via paypal and the funds have not been credited to my account. Paypal claims that they did not correspond with me via email that prompted me on XX/XX/2018 to ship my personal laptop computer to buyer internationally to XXXX XXXX they claim all correspondence with paypal is fraud while Im out of a laptop valued at {$280.00} selling price advertised via XXXX and the payment transaction was suppose to occur via paypal which did not occur. Also I was prompted via email from paypal to ship merchandise produce a tracking number, submit tracking number and funds would be instantly funded to my paypal account the funds is currently pending and the fraudulent emails are consistently demanding more funding.i already shipped the item to be purchased without a credit to my paypal account as the invoice was drawn up for it to be funded on submission of XXXX tracking number. XXXX tracking # XXXX Thank you
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX XXXX Balance : - XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX Balance : XXXX XXXX Balance : - XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : - XXXX XXXX Balance : - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6600.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$32000.00} XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX  XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX  XXXX XXXX : {$24.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$610.00} XXXXXXXX XXXX  XXXX Balance : {$260.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card

A Payment to Wells Fargo for the full balance was made. Wells Fargo continues to hold the payment even now 6 days later. We have made large payments to Wells Fargo in the past and experienced the same issue repeatedly.
Product: Debt collection

I got a notification from XXXX XXXX that i got a derogatory mark. When i check ny derogatory mark it said i had something in collections and it said i owed {$1200.00}. It showed that that i owed sequium asset solutions that money and the original creditor was XXXX XXXX XXXX  XXXX. I have never in my life had XXXX XXXX XXXX  so i called them and they said there is no account in my name. So someone in sequium asset solutions got my information and posted that on my credit and now it showing that i owe them {$1200.00} and its effecting my credit. I want this handled and taking care of because someone or this company is scamming and committing fraud.