23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX Account Open Date : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital One misrepresented the 360 Savings account as having one of the nations highest interest rates, yet failed to notify offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Saving Act. I seek redress for the misleading practices and failures to fulfill their advertised promises.
Product: Debt collection

The name of the company that made unauthorized charge to my debit card is PAYPAL. My paypal Account # XXXX XXXX XXXX Ref. # XXXX XXXX collector 's name ; XXXX XXXX XXXX XXXX. 
Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX Phone XXXX XXXX XXXX Hi.., This debt collector company contacted me to collect what they call a debt I owed to them. I don't owe them any money. The debt they are talking about was an unauthorized charge paypal made to my debit card. I disputed that charge and my bank investigated it and was able to credit the amount back to my debit card. That is what happened and it was my own money taken by paypal without my authorization. Nothing that I owe them and paypal is trying to harass me by using a debt collector to contact me. They can go to court if they wish. I am not sure what you can do about this but that is what it is all about. 

Hope to hear from you soon. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to complain to EXPERIAN about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1971. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.
Product: Mortgage

On XX/XX/XXXX, I submitted an application to Mr. Cooper for a recast of my existing mortgage with them for an additional {$150000.00} payment against the principal. I already confirmed via their website that I was eligible. 

It has been over 10 days, and I've not heard anything from them. When I contacted Mr. Cooper, the only thing they told me is that it can take up to 90 days. They also confirmed that they never even received my original recast submission on XX/XX/XXXX and only told me to reapply. 

I believe they are dragging this process out and ignoring me so that I continue paying a higher monthly mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to access my Equifax credit report and the Equifax website says it is unavailable. I'm unable to see the report, place a security freeze, view my credit score, basically, I can't do anything.
Product: Checking or savings account

At the end of XX/XX/2023 or early XX/XX/2023, I opened a Chase checking account using a promotional code. 

The promo code required a direct deposit to receive a bonus of {$300.00}. The promo stated that the bonus would be paid within 15 days after the deposit. 

On XX/XX/XXXX and XX/XX/XXXX, I made direct, payroll deposits into the Chase checking account. Over 30 days later, I have still not received the promo. 

I spoke to 7 or 8 Chase representatives on XX/XX/2023. Most of them agreed that I met the terms of the promo, but they kept transferring me to other representatives to actually receive the promo bonus. Ultimately, Chase never paid the promo bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian for the past year about this inaccurate information. XXXX XXXX account XXXX. I have asked them to send me information verifying that this information is true. I have previous been a victim of fraud.
Product: Bank account or service

I have n't use my card in days first I was overdraft XXXX than XXXX now XXXX, this bank is n't a honest bank at all, I had to take off my direct deposit so they can stop taking my money.
Product: Mortgage

Some years ago I was paying XXXX a month and went to refinance I was told it would be XXXX a month. When the settle date came the officer came to my house she was from a service. The rate was a lot higher at XXXX I called the bank rep and he said go ahead and sign it will be the XXXX it never did and I could get nothing from him. It killed me and caused me all kinds of financial hardship. I have not been able to make a payment after the XXXX a month drained me. I have been in bad health and have XXXX. The bank was indymac, XXXX, XXXX and someone else. I paid a lawyer who stole XXXX promising me a loan mod & gt ; Mortgage lawyer XXXX was the name. I also went through XXXX XXXX XXXX XXXX 3 times i did the paper work and they had me redo it it was totally finished and submitted by a hud rep XXXX XXXX. I did it a 4th time with XXXX XXXX it was totally completed and then they said we had to redo it because the bank changed. I was scammed into the mortgage and the appraisal on my home was inflated. I asked about it and they said it was ok. I am a minority XXXX and this is not fair. I believe the lender was also racist as I could and should have qualified for a loan mod. I am trying to have a short sale now and have a lawyer but I am not sure what this one really is doing. I have lost a ton of money and can not even pay. I just want this nightmare to end. I tried several times to find out what legal action I could have and was turned away. Seems like people of color always are. I need help what was done to me is wrong I have been bankrupted and almost divorced. It has been hard to sleep or live for years. I have been threatened and embarrassed to the utmost a man came to my house at XXXX one time and taped papers to my door. I have not paid and I was promised a trial mortgage by my crooked lawyer who had me list the house and then tried to buy it in short sale but i would not sign when i found out he was part of the deal. XXXX, Indymac and whoever else isaoa has been horrible to deal with. I think they just want the house. I have kept it up hoping that i can get somekind of relief. I want to pay but not XXXX a month its not fair and is criminal i have been in contact with the bank and feel they are racist and do not want to help me .Please help me Please this can not keep happening to people of color in this XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed XXXX complaints in this issue. I filed XXXX complaint in XXXX, another in XXXX and another in XXXX. Each time I have asked for proof of verification and methods used in regards to an account that Transunion and XXXX are reporting which is XXXX XXXX XXXX account XXXX, which both they say have come back that is verified and I am shown on it as a co-signor. I have also asked for paperwork bearing my signature and proof of this verification. The information I received on XX/XX/XXXX was not only a copy of my report and a letter, no actual proof of verification as I have asked fro XXXX  times already. According to the FCRA credit reporting from all three bureaus has to be 100 % accurate and factual. There is no way any proper investigation has been done, and I have attached my credit report from XXXX  and transunion. Once I provided this information to XXXX the account was removed. First error is that this account is reporting as past due, but to be past due I must have set up an active account with a set payment date and I must be over XXXX  days late on an agreed payment to have a past due balance, so I have never had XXXX. Because I am listed on this account as a cos-signor I asked for this proof as I have reported the account as fraudulent, and have have yet to receive any. I never made any type of agreements or signed any paperwork stating so this information is false. Also upon review of transunion and XXXX  reports+ attached is some of the information that is conflicting. I have attached this information. 

XXXX.On XXXX  This account is reporting that I was on XXXX  months terms but shows past due as of XX/XX/XXXX, and has been reporting as past due since XXXX of XXXX, and on the same exact report shows my highest balance as XXXX XXXX My transunion report shows a high balance of XXXX. Clearly this information is inaccurate. 
Obviously I can not have a high balance XXXX from transunion and a high balance of from XXXX  of XXXX XXXX 

XXXX. I have also attached my transunion report which shows conflicting dates the account was open on XX/XX/XXXX and XXXX  states XX/XX/XXXX. So who is right? How can the same account be reported open on XXXX separate dates? This is also Clearly inaccurate. 

XXXX. XXXX shows this account should be on record unitl XX/XX/XXXX while transunion shows this account should stay on record until XX/XX/XXXX. This also shows great disparity amongst the XXXX. 

According to the FCRA the information provided on the account from XXXX XXXX is innaccurate and not 100 % true and this account is to be removed for that reason.
Product: Mortgage

XXXX XXXX payment made on XXXX XXXX. As of XXXX/XXXX/2015 still not applied to my loan. They have added escrow charges for paying my Home Owners Insurance that was already paid and expect me to get a refund from my insurance company. Because I refused to pay the escrow they put the mortgage payment in a suspense fund and will not apply it to the loan. And then they added late charges.
Product: Mortgage

In XXXX of XXXX my mortgage company ( Nations Direct ), put a {$4500.00} force placed flood insurance plan on my mortgage. The fees were to be collected and held in the escrow portion of my mortgage. After procuring and sending Nations Direct all the necessary documents proving my home doesn't need any such coverage, they sent me a letter on XX/XX/XXXX acknowledging that I didn't need the insurance, and I'd be refunded the money. Sadly, this didn't happen, They left the initial {$4500.00} charge in my escrow account as a negative balance, and applied the refunded overage charges to it. What they should've done, AND STILL NEED TO DO, is reverse the initial {$4500.00} charge to XXXX, then give me back the overage charges they've collected, AND ARE STILL COLLECTING! Finally, they need to recalculate my monthly payment to reflect the true cost of my HAZARD INSURANCE ONLY, which would be held in the escrow portion of my mortgage, AND QUIT SCREWING ME ARROUND!!!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$5000.00} Date of Account : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After requesting my credit report I notice that several inquiries were made by ex wife and I would like for these inquiries and accounts to be removed from my report.I did not authorize XXXX XXXX to do this.At that time she had full access to everything. 
XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failure align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting

Experian is reporting an item from XXXX as if is under payment plan. This account was included in a chapter XXXX bankruptcy which completed in XXXX on this year. My husband and I were awarded a discharge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX XXXX XXXX Credit Card XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. These account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these account. I have requested on numerous occasions the proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these accounts.
Product: Debt collection

Requested validation of the debt, the collectors refused to send it in three phone calls with four different representatives.
Product: Student loan

In XXXX 2016 I was contacted by XXXX XXXX XXXX about consolidating my student debt so that my loans would be forgiven. I was misinformed about the way they were going to handle the debt. I was told that I would pay {$39.00} a month for 3 years, which would go towards my loan and then all of my debt would be forgiven after that. I started to receive statements from XXXX saying that i owed them {$0.00}, so I did n't think any foul play with the company was going on. I had also started receiving messages from Equitable Acceptance that they are the ones who I was actually paying the loan through. One year goes by after me making faithful on time payments to Equitable Acceptance then I received a letter from XXXX for a {$330.00} payment. I call Fedloans to see what was going on and they tell me my account has been past due for months and there were no payments made to my loan. So I called Equitable Acceptance and demand that my accounts be cancelled since I believe they were a fraud company. They told me that my accounts could not be cancelled through them that I would have to go through XXXX XXXX XXXX. I call XXXX XXXX venture many times with no answer, just an automated voice system telling me to leave a message. I called Equitable Acceptance back and they " put me right through with XXXX XXXX ''. I demanded my account be cancelled and they told me it would be within 24-48 hours. I also stopped payment to them through my bank and filed a dispute with the credit bureaus since this was listed on my credit. I also requested from both Equitable Acceptance and XXXX XXXX XXXX my " signed consent '' since I have yet to receive a contract. I am waiting to see what happens.
Product: Checking or savings account

In XX/XX/year>, I tried logging in to my Cash App mobile account and online. I was unable to do so because my account had been blocked. When I called twice ( on two different days ) to inquire as to the reason why and if I could speak to a supervisor, they declined to answer both questions. Currently, I can't unblock my account which may have money in it. I also need to access statements for tax purposes. Their customer service, which is very hard to get through to anyone, is the worst I've ever experienced. They do NOTHING for you and then disconnect the call. Please help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app XXXX Block Inc ) due to inadequate customer service and unfair practices, which violate the 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 did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropaite redress for these violations
Product: Mortgage

I have not received a response to my qualified written request to Bank of America, sent by certified mail on XXXX XXXX, 2015, and delivered XXXX XXXX, 2015. Under Section 6 of RESPA, Bank of America had 20 business days to respond to my complaint, and 60 days to resolve the issue. Please see attached letter to Bank of America and return receipt for certified mail delivery.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for its refusal to conduct an investigation into inaccurate items on my credit report, despite repeated requests and provision of necessary documentation. 

On XX/XX/year>, I sent a dispute letter to TransUnion, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. I took care to include a copy of my photo ID, social security card, and a recent bill with my current address to facilitate TransUnion 's verification of my identity and address. Despite these efforts, TransUnion refused to conduct an investigation into the disputed items. 

Subsequently, I received a response from TransUnion dated XX/XX/year>, which stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is concerning as it fails to address the substance of my dispute and disregards the evidence provided. 

In an attempt to resolve my concern, I sent another dispute letter dated XX/XX/year>, to TransUnion. However, I have not received any response from them. I am including a copy of my dispute letter sent to TransUnion, along with XXXX response, as proof of my efforts to resolve this matter. 

TransUnion 's refusal to conduct an investigation into the disputed items on my credit report is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit bureaus are required to investigate disputed items upon receipt of a valid dispute from the consumer. TransUnion 's failure to fulfill this obligation is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the late payments that have been reported on my credit report. According to my records, I have made all payments on time and in full, and I believe that these late payment entries are inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), consumers have certain rights and protections when it comes to credit reporting. Specifically, I would like to draw your attention to the following provisions : 15 USC 1681i : This section outlines the procedure for disputing inaccuracies on credit reports. As a consumer, I have reviewed my credit report and identified the following late payment entries that I dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I request that you investigate these entries and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a written explanation of your investigation results and any corrections made to my credit report. 

15 USC 1681b : This section requires that credit reporting agencies only provide credit reports to parties that have a legitimate purpose for accessing them. I ask that you confirm that you had a legitimate purpose for reporting the late payments to the credit reporting agency in question.

15 USC 1666b : This section requires that creditors provide written notice to consumers when adverse actions are taken, such as reporting late payments to credit reporting agencies. I request that you confirm that you provided me with the required notice prior to reporting the late payments to the credit reporting agency.

Furthermore, I remind you of your obligation under the FDCPA to provide accurate information to credit reporting agencies. Failing to do so could be considered a violation of the Act and could result in legal action being taken against you.

Thank you for your attention to this matter. Please provide me with any necessary documentation or information to assist me in this dispute process. 

Sincerely, XXXX XXXX XXXX XXXX