23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 I received a call at work in regards to an " unresolved business matter '' from XXXX at Orion Capital Solutions ( I believe that is the spelling ). He said he needed my input for a file that he needs to sign off on. I requested a Validation Letter and he stated they ONLY communicate via email ( in real time to verify delivery of the email ) and no longer submit anything via the postal service because of legal reasons and because phone calls are recorded. He did not state before this that the call was being recorded and it actually took him a minute into the conversation to even say who he was calling from. I again requested a validation letter and he said he would email it to me with the email address I provided. I told him he could call me the next day ( today ) to verify I did receive the letter. It has been over 24 hours and he has not called and I have not received a validation letter via email and I have checked both the junk email box and inbox numerous times. He stated during the conversation that he would have to call me back because his phone number/address would not be on the validation letter. I asked about doing communication via mail again and he said they do not receive/or send anything by postal service because it costs them too much and for legal reasons since the calls are recorded.. After I hung up with him I noticed a blocked voicemail on my personal phone that was from him. The call was from XXXX and in the message he gave his name but not where he was calling from and stated he was calling about an unresolved business matter and needed my input. He then gave the phone number XXXX ... that is the only time I received a phone number. Again I have not received any kind of communication other than this phone call and voicemail. 

I have no actual documents ( since he did not send anything ) but I did save the voicemail he left on my phone.
Product: Checking or savings account

I signed up for the TD Beyond Checking account with TD Bank. The account stipulated that as long as I receive at least $XXXX in direct deposits within the first 60 days of account opening, I will receive a $XXXX   promotional bonus. I opened the account on XX/XX/2019. Within the first month, on XX/XX/2019, $XXXX was deposited into my account from the University of XXXX, which deposits through direct deposits electronically. On XX/XX/2019, $XXXX were deposited by the University of XXXX   through Direct Deposit (says EDI payments on statement). I have qualified for the promotion based on the conditions alone, and have kept my account in good standing during the entire qualifying period. The funds were supposed to have been deposited a maximum 95 days after the qualifying period. However, it has been more than 150 days. TD bank also denies those two payments by the University of XXXX were direct deposits, citing EDI payments as different from direct deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Reporting Agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with : XXXX XXXX XXXX OR XXXX XXXX XXXX. I DO NOT have a signed contract nor ANY contract with XXXX XXXX XXXX OR XXXX XXXX XXXX. I have the right to demand a to see an original signed contract between XXXX XXXX XXXX and myself and XXXX XXXX XXXX and myself. These contracts do not exist, the accounts are unverified, and hurting my credit report. Therefore, the below mentioned accounts MUST be removed from my credit report immediately. XXXX XXXX XXXX, {$520.00} XXXX XXXX XXXX, {$570.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate 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

Followup to XXXX, XXXX XXXX XXXX, in which creditor never responded. Not only were there charges for procedures I never received on this bogus bill, patient and insurance plan combined had to pay over {$7000.00} to have corrected serious mistakes this dentist made and refused to correct : a XXXX job that lasted only several months in which he refused to repair and stated that " I 'm lucky it lasted this long because XXXX only lasts a year '' ( not true ) where another dentist had to correct for a total of {$1800.00} ; XXXX that caused XXXX where another dentist had to repair for a total cost of {$1100.00} ; and never XXXX that another dentist XXXX corrected for over {$4000.00}. Now, he has the nerve to try to collect additional monies of {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to bbt, forwarded documentation supporting my claim of this account being fraudulent. It was agreed to be removed, but still showing on chexsystems. I have also today ( XX/XX/17 ) contacted my lawyer who will be sending out intent to sue letter, I have had my rights violated under the fcra. Asking that this account be removed from the chexsystems file immediately.
Product: Debt collection

After going through my latest credit report, I found several accounts that I believe are fraudulent and were added without my awareness.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was made aware of the XXXX data breach and was given compensation and free credit reports for the credit bureaus. I have not been able to acquire any free credit reports nor unable to to log into TRANSUNION free service to dispute or follow up or my requests for removal. 

My consumer rights and privacy have been violated. 
I did not authorized these companies to pull my credit report. 
I want these removed immediately or I will sue for the lost time and headache dealing with this. I have attached an FTC Affidavit. 

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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as my final demand for immediate action regarding the continued reporting of inaccurate and misleading information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX. 

Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$10000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$670.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$260.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$2000.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

problems with properly maintain my  credit score and wrong information with bills under my name
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Jefferson Capital reported an address change to XXXX. I received an address change alert on XXXX and checked XXXX. The address they claim is my new address is XXXX XXXX XXXX XXXX XXXX, AZ XXXX. This is incorrect. I still live in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I believe this is in retaliation for me putting my debt on a debt consolidation plan. XXXX XXXX XXXX is working with them to pay off my debt owed to the account they purchase so they should leave me alone and stop these harassing debt practices.
Product: Credit reporting

I have disputed an XXXX credit card with Equifax on XX/XX/2016 that officially XXXX is reporting as being charged off. they have sent me back an updated report stating that XXXX verified it. 

I have send them a new letter requesting how did they verify this. How could they have verified it if after multiple attempts to get XXXX to send me proof they were not able to send me any proof that this account has anything to do with me. 

Equifax has meanwhile ignored my letter and is still reporting this inaccurate information on my report. 

I request that Equifax send me proof of how they verified it. just speaking to an XXXX repesentive that looks on computer screen is not enough. 

I request to get either a copy of contract, settlement or some other proof that this account is anyhow related to me. if they verified it by telephone, I request the NAME and direct extension of the XXXX Representative and what proof the Representative said they have that this information is accurate. 

this is my final attempt to settle this dispute out of court. If i do n't get proof of how Equifax verified this account and Equifax will still keep on reporting this inaccurate info on my report, I will sue them in court for violating my rights under the FCRA and for financial loss because of their violating the law
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card & open-end consumer credit plan as late for any purpose.
Product: Debt collection

Dear CFPB Im writing this letter in reference to Portfolio Recovery, they have placed XXXX collection accounts on my credit report. I have asked them numerous times for a contract showing a signature or a recorded line to prove that this account is mine. These two collection accounts are not mine they do not belong to me. I never opened them, and this has been hindering me for a few years. I have been affected with this when it comes to getting car loans, credit cards, and housing. I have called them and stated that there is a fraud alert on my account, and I want a wet signature to show where and when I opened these accounts. Im requesting that this information be sent to me within 30 days, if not I would like these items to be removed by Portfolio Recovery. 
Its amazing how a company can list items on your credit report and claim that its yours and stop your forward progress in life. I refuse to start the year off in bondage. There has been no answers. I'm at the point where I'm planning to take legal action to have this matter taken care of.
Product: Mortgage

Central Mortgage ( https : //centralmortgagefunding.com/ ) is giving knowingly fake loan quotes in a bait-and-switch operation. 

Company made unsolicited calls to me in early XX/XX/XXXX offering a home loan, apparently prompted by a credit pull by another lender. 

On XX/XX/XXXX, company offered a 30 year loan with a 7 year arm, 0 points, for 5.0 %, and a 30 year fixed loan for 5.875 %, 0 points. Confirmed in a PDF. 

I requested a loan estimate. They declined. I declined further dealings. 

Company continued contacting me. 

On XX/XX/XXXX, company again offered 5.0 % 7 year arm, 0 points. Again this was sent to me in a PDF that day. Twice. 

On XX/XX/XXXX, I informed them I had gone with another lender, since they were unwilling to provide their quote in a formal loan estimate. Company responded that they would be willing to try to beat that other lender. I invited them to do so, but that it needed to be in a formal loan estimate. 

On XX/XX/XXXX, Company responded " the best pricing I could find for you isa 5/6 ARM loan option with 6.625 % APR With you buying down 2 discount points. '' I inquired why the difference. In 5 days, with no additional information, the quote went from 5 % for a 7 year arm, 0 points, to 6.625 % for a 5 year arm, 2 points. 

On XX/XX/XXXX, Company responded : " So the First option I quoted you for was a typo I apologize it should have said 6.0 % APR. '' A typo can not account for receiving the same quote 3 different times. Even if true, it does not account for a change from a 6 % 7 year arm with 0 points to, just 5 days later, 6.625 % for a 5 year arm, 2 points. There was no notable change in market conditions in those 5 days. 

This Company has multiple reviews online indicating that their quote had changed midway through the loan process. The above fits that mold. 

This is harmful to consumers.
Product: Money transfer, virtual currency, or money service

I purchased a cashiers check on XX/XX/XXXX at a capital one bank in XXXX XXXX Louisiana. It was made out to XXXX for my first month 's rent for a rental I was to move into on XX/XX/XXXX. I shipped the check to the property management company XXXX via XXXX with tracking number XXXX with delivery on XX/XX/XXXX. The check was never delivered due to the delivery times being outside of normal business hours for this business and the company not allowing to remove a signature requirement in order to leave the letter under the door or in the box at the receiver address. Because this wasn't delivered prior to the deadline for the receipt of these funds, I had to send another {$3500.00} to the company through my realtor in order to get the move in costs paid so I could move in. I then contacted XXXX on XX/XX/XXXX and asked that they hold the package at a local XXXX so I could just pick it up and get a refund for it. I was told that the package would be ready within 48 hours. The 48 hours passed and I called them again only to find on XX/XX/XXXX that they had lost this package. I was told it hadn't been scanned since XX/XX/XXXX and they were unable to locate this package. I've called multiple times since then and no one has helped me. I even filed a claim a week ago and was told there would be a resolution within 72 hours. It has been a week, no one has followed up with me and I am still missing my money and being impacted financially by this set back. I just moved across the country with my children and I am going through a divorce. I am working hard to provide for my family and not having this money has caused me a lot of XXXX and frustration. I need my money back and I find it disgusting that no one is really working to resolve this issue as this is not what I was expecting and I need my money. I should not have to suffer for this for doing business with these companies.
Product: Credit card or prepaid card

This is a narrative what happened to me on XX/XX/XXXX of XXXX On XXXX XXXX XXXX1 I went to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX to buy a gas water Heater for my house. That day I decided to paid {$950.00} dollars for the water heater with my XXXX debit card. XXXX XXXX latter {$1000.00} dollars got withdraw at Bank of America ATM. On the next day XXXX, XXXXXXXX XXXX another {$1000.00} dollar got withdraw. Finally on XXXX, XXXXXXXX XXXX another {$1000.00} dollars got withdraw at the same Bank of American ATM location from total of {$3000.00} dollars. On XX/XX/XXXXXXXX XXXX XXXX I was off from work and XXXX 's was the only place I used my XXXX Card. On XX/XX/XXXX I went to worked from XX/XX/XXXX to XX/XX/XXXX. On XXXX, XXXX XXXX I got a text on my cell saying that my valance on my XXXX debit card was {$51.00} dollars. I immediately contacted Bank of America to explained them what happened. I have been calling them 2 to 3 times a week to asked them about my claim. I did a police report and I send them a copy of my California drivers license and a copy of my timesheet were they can see and compare my picture and the people on their cameras. A copy of my timesheet for proof that I was working 6 day straight when that happened. I got two letters from Bank of America saying that my claim if closed. This is the first time this happened to me. Please helped me with this Bank of America claim. This crime is affecting me and my family a lot because my wife and myself we are not working right now. We have XXXX daughter to support and a lot of bills to pay.
Product: Mortgage

After a period of rapidly demising remuneration due to technological obsolesence I lost my last job in XXXX XXXX   just over two years ago. At aged XXXX it is not easy finding another one. Nevertheless in the last quarter of XX/XX/2018 both my wife and became employed. That income along with a pension, social security and additional fees for professional services rendered should by all expert accounts justify a mortgage modification. The servicer - Select Portfolio Servicing Inc is proceeding with a forced sale despite the fact that they are still considering a restructuring as they repeatedly ask me for data that I have already submitted. I do comply promptly with their requests.

It is very challenging to establish enhanced lines of communication with them given no real relationship manager and written correspondence that completely contradicts that which I have been told on the phone. 
I think it perfectly reasonable for both parties to delay the enforced liquidation until a more thorough examination is made of the additional financial resources being introduced in an attempt to work collaboratively with the servicer.
Product: Money transfer, virtual currency, or money service

I received a XXXX  XXXX  card from Cash App in the mail to my home address. 
It has a card number, expiration, cvv, and is issued under my name. 
the letter included a QR code which I did NOT scan as I do not want to be a victim of further fraud. 
I did NOT apply for this card. I do NOT have a Cash App account. And I have NEVER used the CASH APP service before. 
I will be destroying this card and extending the locks on my credit reports.
Product: Checking or savings account

my brother mortgage and bank accounts was transfered to citibank from XXXX XXXX and they came from XXXX XXXX. Now the mortgage that was less than XXXX dollars is now XXXX and we do not know how that change so much you should have the answers, because you have all the true informations we need about his accounts.. we want that information as soon as possible.his name is XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was charged for the below Amazon Digital purchases on my Chase credit card from purchases made via my Amazon account. The charges were for XXXX gift cards. I did not make these purchases. I have opened a dispute with Chase which they have closed and indicated that they would not refund due to me " receiving benefit from the purchases. '' I have also tried to contact Amazon multiple times and have not been able to get them to help me. I have repeatedly asked for someone from Amazon 's fraud department to contact me but they have not. 

XX/XX/2019 - {$75.00} XX/XX/2019 - {$50.00} XX/XX/2019 - {$75.00} XX/XX/2019 - {$75.00} Based on my experience, I believe that the following article describes the security issue that allowed these purchases : https : XXXX I believe this because I have two step authentication set up on my Amazon account and did not receive notification when these purchases were made. Amazon has not been able or willing to tell me where these purchases originated from. 

So I guess at this point, I'm not sure if the responsibility is for Chase or Amazon to refund these fraudulent charges but it has been very disappointing that neither company has been willing to work with me on resolving this. I am a longtime customer of both companies. 

I have been working with both companies since these charges occurred and just recently received the notice from Chase that these charges would not be refunded.
Product: Credit reporting or other personal consumer reports

I have requested Equifax the extended fraud alert several times by sending the necessary documents ; however, Equifax continues to ask the documents for initial alerts on XX/XX/XXXX of 2024. Therefore, I have checked its website, and found out only initial alert is on. I am not sure whether I need to send the necessary documents for extended 7 years alert to this company, since the mailing service had so much trouble until I received the ordered and wanted items reached to me, or even some of my ordered are disappeared. Maybe, these documents which I have already for the extended alert might be disappeared on the way to the XXXX office and be used for the fraud activities.